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
Piotroski F-Score Full definition →	7	8	8	6	+8 more TTM periods Free account
ROE Full definition →	3.93%	7.84%	7.22%	7.07%
ROA Full definition →	0.50%	1.01%	0.91%	0.90%
ROIC Full definition →	6.59%	50.95%	14.48%	17.04%
Return on Tangible Assets Full definition →	14.04%	37.83%	31.10%	37.54%
Average Days of Receivables Full definition →	0.00	0.00	0.00	0.00
Free Cash Flow per Share Full definition →	2.43	2.53	2.74	2.65
Free Cash Flow Full definition →	26.55	27.64	30.09	28.92
Capital Expenditures Full definition →	(1.76)	(1.90)	(1.75)	(2.07)
Other line items
Cash ROIC Full definition →	4.88%	4.21%	5.43%	5.06%
Accounts Receivable Turnover Full definition →	0.00	0.00	0.00	0.00
Accounts Payable Turnover Full definition →	0.02	0.02	0.02	0.02
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	20,438.70	20,404.89	19,738.09	19,289.35
Days of Inventory on Hand Full definition →	0.00	0.00	0.00	0.00
Tax Rate Full definition →	(0.34)	(0.26)	(0.27)	(0.26)
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 →	58.75%	46.78%	48.01%	47.75%
Share Based Compensation of Revenue Full definition →	1.20%	0.48%	0.46%	0.41%
Operating CF/Net income Full definition →	2.16	1.12	1.33	1.34
Depreciation/Fixed assets Full definition →	0.22	0.23	0.24	0.30
Capex/Depreciation Full definition →	(0.61)	(0.64)	(0.56)	(0.50)
Revenue per Share Full definition →	13.04	13.15	12.87	12.85
Operating CF per Share Full definition →	2.59	2.71	2.90	2.83
Capex per Share Full definition →	(0.16)	(0.17)	(0.16)	(0.19)
Capex to Sales Full definition →	0.01	0.01	0.01	0.01

Show all line items

Columns are period end dates

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