Saturday 17 October 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. 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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| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Older periods | |
|---|---|---|---|---|---|
P/E ratio |
27.42 | 12.29 | 13.49 | 13.69 |
+8 more quarters Free account |
P/S ratio |
2.52 | 2.26 | 2.28 | 2.24 | |
P/FCF ratio |
13.52 | 11.73 | 10.74 | 10.87 | |
P/Operating CF |
69.96 | 46.38 | 36.56 | 42.78 | |
P/B ratio |
1.07 | 0.94 | 0.95 | 0.94 | |
Price to Tangible BV |
1.22 | 1.07 | 1.08 | 1.07 | |
EV/Sales |
1.49 | 0.17 | 0.89 | 0.67 | |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | |
EV/Operating CF |
7.50 | 0.82 | 3.94 | 3.05 | |
EV/FCF |
8.00 | 0.88 | 4.17 | 3.27 | |
Quick Ratio |
0.08 | 0.13 | 0.09 | 0.10 | |
Current Ratio |
1.04 | 1.02 | 1.03 | 1.02 | |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | |
Debt/Assets |
1.20% | 0.22% | 0.34% | 0.33% | |
Debt/Equity |
0.09 | 0.02 | 0.03 | 0.03 | |
Asset Turnover |
0.05 | 0.06 | 0.05 | 0.05 | |
Operating CF/Net income |
(0.74) | 0.85 | 1.29 | 1.47 | |
Capex/Depreciation |
(0.93) | (0.49) | (1.49) | (0.63) | |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | |
Selling, General and Administrative Expense of Revenue |
96.04% | 43.87% | 46.60% | 50.86% | |
Intangible Assets out of Total Assets |
0.02 | 0.02 | 0.02 | 0.02 | |
Share Based Compensation of Revenue |
3.46% | 0.52% | 0.51% | 0.47% | |
Graham Net Nets |
0.08 | 0.10 | 0.11 | 0.06 | |
Graham Number |
28.81 | 41.44 | 38.87 | 38.01 | |
Earnings Yield |
3.65% | 8.14% | 7.41% | 7.30% | |
Free Cash Flow Yield |
7.40% | 8.52% | 9.31% | 9.20% | |
Revenue per Share |
3.09 | 3.31 | 3.21 | 3.40 | |
Operating CF per Share |
0.47 | 0.64 | 0.80 | 0.67 | |
Capex per Share |
(0.06) | (0.03) | 0.02 | (0.10) | |
Free Cash Flow per Share |
0.41 | 0.61 | 0.83 | 0.57 | |
Cash per Share |
16.26 | 28.04 | 18.79 | 20.90 | |
Shareholders Equity per Share |
30.74 | 31.53 | 30.80 | 30.58 | |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | |
Book value per Share |
30.74 | 31.53 | 30.80 | 30.58 | |
Free Cash Flow |
4.53 | 6.69 | 9.10 | 6.23 | |
Working Capital |
80.05 | 56.77 | 63.73 | 48.20 | |
Capital Expenditures |
(0.60) | (0.30) | 0.26 | (1.12) | |
Net Current Asset Value |
28.23 | 31.05 | 36.23 | 20.01 | |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | |
Capex to Sales |
0.02 | 0.01 | (0.01) | 0.03 | |
Price to Operating Income |
18.01 | 9.05 | 9.91 | 10.06 | |
| Other line items | |||||
Average Payables |
2,178.28 | 2,197.11 | 2,223.82 | 2,182.25 | |
Average Assets |
2,601.23 | 2,606.17 | 2,629.09 | 2,583.06 | |
Average Common Equity |
332.98 | 336.66 | 331.46 | 327.98 |
Columns are period end dates