Filing Flows › BayCom (BCML) › Q3 2026 › vs Q3 2025
BayCom (BCML) Q3 2026 vs Q3 2025 (year over year)
BayCom's revenue fell $5.9M (-23%) from $25.7M in Q3 2025 to $19.8M in Q3 2026. Operating margin 6.3% against 26.3% (-19.9 pts).
BayCom, Q3 2026: revenue $19.8M (-23% year over year), operating margin 6.3%, net earnings $1.1M, operating cash flow $12.8M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 6.3% | 26.3% | -19.9 pts |
| Net margin | 5.8% | 19.5% | -13.7 pts |
| Free cash flow margin | 63.5% | 24.3% | +39.2 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $19.8M | $25.7M | −$5.9M | -23% |
| Operating profit | $1.2M | $6.7M | −$5.5M | -81% |
| Costs & expenses | $18.5M | $18.9M | −$416K | -2% |
| Pre-tax earnings | $1.2M | $6.7M | −$5.5M | -81% |
| Credit loss provision | $843K | $3.0M | −$2.1M | -72% |
| Noninterest expense | $17.7M | $15.9M | $1.7M | +11% |
| Net earnings | $1.1M | $5.0M | −$3.9M | -77% |
| Income tax | $104K | $1.7M | −$1.6M | -94% |
| Share-based compensation | $273K | $173K | $100K | +58% |
| Working capital & other | $11.4M | $2.2M | $9.3M | +427% |
| Operating cash flow | $12.8M | $7.3M | $5.5M | +75% |
| Free cash flow (OCF − capex) | $12.5M | $6.2M | $6.3M | +101% |
| Capital expenditures | $291K | $1.1M | −$825K | -74% |
Questions
How much did BayCom's revenue grow year over year in Q3 2026?
BayCom's revenue fell $5.9M (-23%) from $25.7M in Q3 2025 to $19.8M in Q3 2026. Operating margin 6.3% against 26.3% (-19.9 pts).