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BayCom (BCML) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 9, 2026 · BayCom (BCML) Q3 2026 earnings results →
Q3 2026 Revenue down 23% year over year to $19.8M · 6¢ of every $1 of revenue kept as net profit · operating margin 6.3%
BayCom made $19.8M in Q3 2026 (-23% Y/Y). Operating margin 6.3%, net earnings $1.1M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 9, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $19.8M in Q3 2026, down 23% year over year and down 22% from the previous quarter.
Operating profit was $1.2M, a 6.3% margin (down 19.9 points year over year). Total costs fell 2% while revenue fell 23%. The fastest-growing cost line was Noninterest expense (+11%). Net earnings were $1.1M, down 77% year over year. The effective tax rate was 8.3%.
Operating cash flow was $12.8M (up 75% year over year), 1121% of net earnings. Non-cash charges added back $273K of share-based compensation. Working capital and other items added $11.4M. Capital expenditures of $291K left free cash flow of $12.5M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 9, 2026 | $19.8M | -23% | 6.3% | $1.1M | $12.8M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About BayCom
The disclosures set forth in this item are qualified by “Item 1A. Risk Factors” below and the section captioned “Special Note Regarding Forward-Looking Statements” above and other cautionary statements set forth elsewhere in this Form 10-K. General. BayCom is a bank holding company headquartered in Walnut Creek, California. BayCom’s wholly owned banking subsidiary, United Business Bank, provides a broad range of financial services to businesses and business owners, as well as individual consumers, through its network of 34 full-service branches, with 16 locations in California, one in Nevada, one in Washington, five in New Mexico and 11 in Colorado. The Company’s business activities generally are limited to passive investment activities and the monitoring of its investment in the Bank.
In its own words, from its 10-K, filed Mar 16, 2026.
BayCom against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -23% against the peers' median +8%. Operating margin: 6.3% against the peers' median 33.8%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| BCML BayCom | Q3 2026 | $19.8M | -23% | 6.3% |
| DB Deutsche Bank Aktiengesellschaft | Q3 2026 | $6.1B | -31% | -7.6% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
Source: BayCom 10-Q on SEC EDGAR · CIK 1730984 · State Commercial Banks
Guidance and outlook
13F: who owns BCML and who is buying
More on BCML
History
Every quarter: Q3 2026 results