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BayCom cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$12.5M in Q3 2026 · $32.9M over twelve months

Operating cash flow$12.8M
Capital spending−$291K
Free cash flow+$12.5M
Cash / net income11.2×

Analysis

In Q3 2026, BayCom generated $12.8M of operating cash flow and spent $291K on capital projects, leaving free cash flow of $12.5M. That is $6.3M more than in Q3 2025 ($6.2M).

Over the twelve months to Sep 30, 2026, operating cash flow was $33.8M; the largest uses were other investing ($90.5M), dividends ($12.5M), capital spending ($936K); besides operations, cash came from other financing ($60.2M); the cash balance fell by $10.0M.

Operating cash flow was $12.8M against net income of $1.1M — 11.2× profit, cash ran ahead of reported earnings. The largest differences: accrued liabilities −$410K, stock-based pay +$273K, impairments −$0.

Free cash flow

BayCom: free cash flow by quarterBayCom: free cash flow by quarter$7.9MQ4 2024$9.1MQ1 2025$5.6MQ2 2025$6.2MQ3 2025$9.1MQ4 2025$6.7MQ1 2026$4.5MQ2 2026$12.5MQ3 2026
Operating cash flow less capital spending.
BayCom: operating cash flow against capital spendingBayCom: operating cash flow against capital spendingOperating cash flowCapital spending$8.0M$58KQ4 2024$9.3M$143KQ1 2025$6.4M$749KQ2 2025$7.3M$1.1MQ3 2025$8.8M−$262KQ4 2025$7.0M$302KQ1 2026$5.1M$605KQ2 2026$12.8M$291KQ3 2026
Latest (Q3 2026): Operating cash flow $12.8M, Capital spending $291K.

Capital allocation, year by year

BayCom: where the cash came from (up) and went (down), by fiscal yearBayCom: where the cash came from (up) and went (down), by fiscal yearOperating cash flowCapital spendingBuybacksDividendsFY2021: Operating cash flow $10.4MFY2021: Capital spending −$1.3MFY2021: Buybacks −$11.6M$10.4MFY2021FY2022: Operating cash flow $39.6MFY2022: Capital spending −$843KFY2022: Buybacks −$18.0MFY2022: Dividends −$2.0M$39.6MFY2022FY2023: Operating cash flow $30.8MFY2023: Capital spending −$2.1MFY2023: Buybacks −$24.1MFY2023: Dividends −$3.6M$30.8MFY2023FY2024: Operating cash flow $30.4MFY2024: Capital spending −$1.7MFY2024: Buybacks −$9.2MFY2024: Dividends −$3.4M$30.4MFY2024FY2025: Operating cash flow $31.8MFY2025: Capital spending −$1.7MFY2025: Buybacks −$6.9MFY2025: Dividends −$6.6M$31.8MFY2025
Over these 5 years operating cash flow totalled $143M; the largest uses were buybacks ($69.8M) and dividends ($15.6M). Cash-flow statements as filed.

Where the cash came from and went

BayCom: sources (+) and uses (−) of cash, Q3 2026BayCom: sources (+) and uses (−) of cash, Q3 2026Other financing$97.3MOther investing−$65.5MCash drawn (+) / kept (−)−$41.1MOperating cash flow$12.8MDividends−$3.3MCapital spending−$291K
BayCom: sources (+) and uses (−) of cash, TTM to Q3 2026BayCom: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$90.5MOther financing$60.2MOperating cash flow$33.8MDividends−$12.5MCash drawn (+) / kept (−)$10.0MCapital spending−$936K

From profit to cash

BayCom: net income to operating cash flow, Q3 2026BayCom: net income to operating cash flow, Q3 2026Net income$1.1MStock-based pay$273KAccrued liabilities−$410KOperating cash flow$12.8M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsCash drawn (+) / kept (−)Free cash flow
Q3 2026$12.8M−$291K—−$3.3M−$41.1M$12.5M
Q2 2026$5.1M−$605K—−$3.3M$129M$4.5M
Q1 2026$7.0M−$302K—−$3.3M−$99.4M$6.7M
Q4 2025$8.8M$262K−$813K−$2.7M$21.9M$9.1M
Q3 2025$7.3M−$1.1M−$909K−$2.2M$63.2M$6.2M
Q2 2025$6.4M−$749K−$3.9M—−$35.1M$5.6M
Q1 2025$9.3M−$143K−$1.3M−$1.7M$107M$9.1M
Q4 2024$8.0M−$58K−$34K$59K−$62.7M$7.9M

BayCom: income statement and cash flow

BayCom, Q3 2026: revenue $19.8M (-23% year over year), operating margin 6.3%. The chart follows the revenue to costs, profit and cash.

BayCom: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.