Saturday 17 October 2026 Export BCML’s income statement to Excel — free account

Bay Commercial Bank

Bay Commercial Bank’s revenue for fiscal 2025 (year ended December 2025) was $141.5 million, up 2.45% from fiscal 2024. In the quarter to June 2026, revenue fell 3.52%, EPS fell 210.3%, free cash flow fell 19.5% and total debt fell 57.4%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for three; insiders bought in the last twelve months.

31.15 0.19 +0.61%

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Market cap: $338.1M
P/E: 26.0×
Fwd P/E: 13.8×
Dividend yield: 3.85%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Older periods	Sep '25	Dec '25	Mar '26	Jun '26
P/E ratio Full definition →	+8 more quarters Free account	13.69	13.49	12.29	27.42
P/S ratio Full definition →		2.24	2.28	2.26	2.52
P/FCF ratio Full definition →		10.87	10.74	11.73	13.52
P/Operating CF Full definition →		42.78	36.56	46.38	69.96
P/B ratio Full definition →		0.94	0.95	0.94	1.07
Price to Tangible BV Full definition →		1.07	1.08	1.07	1.22
EV/Sales Full definition →		0.67	0.89	0.17	1.49
EV/EBITDA Full definition →		0.00	0.00	0.00	0.00
EV/Operating CF Full definition →		3.05	3.94	0.82	7.50
EV/FCF Full definition →		3.27	4.17	0.88	8.00
Quick Ratio Full definition →		0.10	0.09	0.13	0.08
Current Ratio Full definition →		1.02	1.03	1.02	1.04
Net Debt/EBITDA Full definition →		0.00	0.00	0.00	0.00
Debt/Assets Full definition →		0.33%	0.34%	0.22%	1.20%
Debt/Equity Full definition →		0.03	0.03	0.02	0.09
Asset Turnover Full definition →		0.05	0.05	0.06	0.05
Operating CF/Net income Full definition →		1.47	1.29	0.85	(0.74)
Capex/Depreciation Full definition →		(0.63)	(1.49)	(0.49)	(0.93)
Research and Development Expense of Revenue Full definition →		0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →		50.86%	46.60%	43.87%	96.04%
Intangible Assets out of Total Assets Full definition →		0.02	0.02	0.02	0.02
Share Based Compensation of Revenue Full definition →		0.47%	0.51%	0.52%	3.46%
Graham Net Nets Full definition →		0.06	0.11	0.10	0.08
Graham Number Full definition →		38.01	38.87	41.44	28.81
Earnings Yield Full definition →		7.30%	7.41%	8.14%	3.65%
Free Cash Flow Yield Full definition →		9.20%	9.31%	8.52%	7.40%
Revenue per Share Full definition →		3.40	3.21	3.31	3.09
Operating CF per Share Full definition →		0.67	0.80	0.64	0.47
Capex per Share Full definition →		(0.10)	0.02	(0.03)	(0.06)
Free Cash Flow per Share Full definition →		0.57	0.83	0.61	0.41
Cash per Share Full definition →		20.90	18.79	28.04	16.26
Shareholders Equity per Share Full definition →		30.58	30.80	31.53	30.74
Interest Debt per Share Full definition →		0.00	0.00	0.00	0.00
Book value per Share Full definition →		30.58	30.80	31.53	30.74
Free Cash Flow Full definition →		6.23	9.10	6.69	4.53
Working Capital Full definition →		48.20	63.73	56.77	80.05
Capital Expenditures Full definition →		(1.12)	0.26	(0.30)	(0.60)
Net Current Asset Value Full definition →		20.01	36.23	31.05	28.23
EV/EBIT Full definition →		0.00	0.00	0.00	0.00
Capex to Sales Full definition →		0.03	(0.01)	0.01	0.02
Price to Operating Income Full definition →		10.06	9.91	9.05	18.01
Other line items
Average Payables Full definition →		2,182.25	2,223.82	2,197.11	2,178.28
Average Assets Full definition →		2,583.06	2,629.09	2,606.17	2,601.23
Average Common Equity Full definition →		327.98	331.46	336.66	332.98

Fold the line items

Columns are period end dates

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