Filing Flows › BayCom (BCML) › Q3 2026
BayCom (BCML) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 9, 2026
BayCom (BCML) reported revenue of $19.8M for the third quarter 2026 (Q3 2026), -23% from a year earlier and -22% from the quarter before. Operating margin was 6.3%, net earnings $1.1M (5.8% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $19.8M | -22% | -23% |
| Operating profit | $1.2M | — | -81% |
| Net earnings | $1.1M | — | -77% |
| Operating cash flow | $12.8M | +150% | +75% |
| Free cash flow | $12.5M | +177% | +101% |
What changed
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.
Questions
What was BayCom's revenue in the third quarter 2026?
BayCom (BCML) reported revenue of $19.8M for the third quarter 2026 (Q3 2026), -23% from a year earlier and -22% from the quarter before.
Was BayCom profitable in the third quarter 2026?
Operating profit was $1.2M (6.3% of revenue) and net earnings $1.1M.
Source: BayCom 10-Q on SEC EDGAR.