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

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

Fold the line items

Columns are period end dates

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