BayCom Corp Reports Q4 Earnings of $6.9 Million, 37% Increase from Q3
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 22 2026
0mins
Source: Businesswire
- Profit Growth: BayCom reported a net income of $6.9 million for Q4 2025, a 37% increase from $5.0 million in Q3 2025, primarily driven by a $2.7 million decrease in provision for credit losses and a $1.6 million increase in net interest income, indicating sustained growth in core lending activities.
- Interest Income Increase: The net interest income for Q4 reached $25.0 million, up 6.8% quarter-over-quarter and 6.1% year-over-year, reflecting increased interest income from loans and reduced interest expenses on subordinated debt, enhancing the company's profitability and financial flexibility.
- Non-Interest Income Volatility: Although non-interest income fell 60.6% to $885,000 compared to the previous quarter, it surged 917.2% year-over-year, demonstrating the company's resilience amid market fluctuations, particularly in fair value adjustments of equity securities.
- Commitment to Shareholder Returns: The company plans to enhance shareholder value through share repurchases and cash dividends, indicating BayCom's commitment to maintaining a strong financial position and consistent shareholder returns amid economic and interest rate uncertainties.
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Analyst Views on BCML
Wall Street analysts forecast BCML stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for BCML is 32.00 USD with a low forecast of 32.00 USD and a high forecast of 32.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
1 Analyst Rating
1 Buy
0 Hold
0 Sell
Moderate Buy
Current: 28.570
Low
32.00
Averages
32.00
High
32.00
Current: 28.570
Low
32.00
Averages
32.00
High
32.00
About BCML
BayCom Corp is a bank holding company. The Company, through its wholly owned operating subsidiary, United Business Bank, offers a full range of loans, including Small Business Administration (SBA), California Pollution Control Financing Authority (CalCAP), FSA and USDA guaranteed loans, and deposit products and services to businesses and their affiliates in California, Washington, New Mexico, Colorado and Nevada. It offers a full range of lending products, including commercial and multifamily real estate loans (including owner-occupied and investor real estate loans), commercial and industrial loans, SBA loans, construction and land loans, agriculture-related loans and consumer loans. It also offers consumer loans, predominantly as accommodation to its commercial clients, which include installment loans, unsecured and secured personal lines of credit, and overdraft protection. The Company has a network of approximately 35 full-service branches.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Bay Commercial Bank (BCML) Reports Q4 EPS of $0.63 and Revenue of $25.89M
- Earnings Highlight: Bay Commercial Bank reported a Q4 GAAP EPS of $0.63, indicating stable profitability and reflecting the bank's solid financial health in a competitive market.
- Revenue Growth: The bank's Q4 revenue reached $25.89 million, marking a 5.9% year-over-year increase, which suggests ongoing expansion in its customer base and market share, enhancing its competitive position in the industry.
- Financial Stability: With consistent revenue growth and stable profitability, Bay Commercial Bank demonstrates resilience amid economic fluctuations, potentially attracting more investor interest in its future growth prospects.
- Investor Attention: The release of the earnings report may elevate market expectations for Bay Commercial Bank's future performance, particularly supported by its quant ratings and historical financial data, further boosting investor confidence.
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BayCom Corp Reports Q4 Earnings of $6.9 Million, 37% Increase from Q3
- Profit Growth: BayCom reported a net income of $6.9 million for Q4 2025, a 37% increase from $5.0 million in Q3 2025, primarily driven by a $2.7 million decrease in provision for credit losses and a $1.6 million increase in net interest income, indicating sustained growth in core lending activities.
- Interest Income Increase: The net interest income for Q4 reached $25.0 million, up 6.8% quarter-over-quarter and 6.1% year-over-year, reflecting increased interest income from loans and reduced interest expenses on subordinated debt, enhancing the company's profitability and financial flexibility.
- Non-Interest Income Volatility: Although non-interest income fell 60.6% to $885,000 compared to the previous quarter, it surged 917.2% year-over-year, demonstrating the company's resilience amid market fluctuations, particularly in fair value adjustments of equity securities.
- Commitment to Shareholder Returns: The company plans to enhance shareholder value through share repurchases and cash dividends, indicating BayCom's commitment to maintaining a strong financial position and consistent shareholder returns amid economic and interest rate uncertainties.
Continue Reading