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Friday 6 November 2026
Export BCML’s income statement to Excel — free account
Bay Commercial Bank
BCML Financial Banks Regional
Bay Commercial Bank’s revenue for fiscal 2025 (year ended December 2025) was $141.5 million, up 2.45% from fiscal 2024.
- Revenue
- −3.52%
- EPS
- −210.3%
- Free cash flow
- −19.5%
- Total debt
- −57.4%
Quarter to June 2026, against a year earlier
31.11
0.27
+0.88%
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| Older periods | Sep '25 | Dec '25 | Mar '26 | Jun '26 | |
|---|---|---|---|---|---|
P/E ratio |
+8 more quarters Free account |
13.69 | 13.49 | 12.29 | 27.42 |
P/S ratio |
2.24 | 2.28 | 2.26 | 2.52 | |
P/FCF ratio |
10.87 | 10.74 | 11.73 | 13.52 | |
P/Operating CF |
42.78 | 36.56 | 46.38 | 69.96 | |
P/B ratio |
0.94 | 0.95 | 0.94 | 1.07 | |
Price to Tangible BV |
1.07 | 1.08 | 1.07 | 1.22 | |
EV/Sales |
0.67 | 0.89 | 0.17 | 1.49 | |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | |
EV/Operating CF |
3.05 | 3.94 | 0.82 | 7.50 | |
EV/FCF |
3.27 | 4.17 | 0.88 | 8.00 | |
Quick Ratio |
0.10 | 0.09 | 0.13 | 0.08 | |
Current Ratio |
1.02 | 1.03 | 1.02 | 1.04 | |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | |
Debt/Assets |
0.33% | 0.34% | 0.22% | 1.20% | |
Debt/Equity |
0.03 | 0.03 | 0.02 | 0.09 | |
Asset Turnover |
0.05 | 0.05 | 0.06 | 0.05 | |
Operating CF/Net income |
1.47 | 1.29 | 0.85 | (0.74) | |
Capex/Depreciation |
(0.63) | (1.49) | (0.49) | (0.93) | |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | |
Selling, General and Administrative Expense of Revenue |
50.86% | 46.60% | 43.87% | 96.04% | |
Intangible Assets out of Total Assets |
0.02 | 0.02 | 0.02 | 0.02 | |
Share Based Compensation of Revenue |
0.47% | 0.51% | 0.52% | 3.46% | |
Graham Net Nets |
0.06 | 0.11 | 0.10 | 0.08 | |
Graham Number |
38.01 | 38.87 | 41.44 | 28.81 | |
Earnings Yield |
7.30% | 7.41% | 8.14% | 3.65% | |
Free Cash Flow Yield |
9.20% | 9.31% | 8.52% | 7.40% | |
Revenue per Share |
3.40 | 3.21 | 3.31 | 3.09 | |
Operating CF per Share |
0.67 | 0.80 | 0.64 | 0.47 | |
Capex per Share |
(0.10) | 0.02 | (0.03) | (0.06) | |
Free Cash Flow per Share |
0.57 | 0.83 | 0.61 | 0.41 | |
Cash per Share |
20.90 | 18.79 | 28.04 | 16.26 | |
Shareholders Equity per Share |
30.58 | 30.80 | 31.53 | 30.74 | |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | |
Book value per Share |
30.58 | 30.80 | 31.53 | 30.74 | |
Free Cash Flow |
6.23 | 9.10 | 6.69 | 4.53 | |
Working Capital |
48.20 | 63.73 | 56.77 | 80.05 | |
Capital Expenditures |
(1.12) | 0.26 | (0.30) | (0.60) | |
Net Current Asset Value |
20.01 | 36.23 | 31.05 | 28.23 | |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | |
Capex to Sales |
0.03 | (0.01) | 0.01 | 0.02 | |
Price to Operating Income |
10.06 | 9.91 | 9.05 | 18.01 | |
| Other line items | |||||
Average Payables |
2,182.25 | 2,223.82 | 2,197.11 | 2,178.28 | |
Average Assets |
2,583.06 | 2,629.09 | 2,606.17 | 2,601.23 | |
Average Common Equity |
327.98 | 331.46 | 336.66 | 332.98 |
Columns are period end dates · fundamentals updated 25 Oct 2026