BCML FINANCIAL STATEMENTS

BayCom Corp — balance sheet, income statement and cash flow trends

BCMLBayCom Corp

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue144.2 M $+4.5%

Gross Profit100.9 M $+5.8%

Operating Income35.8 M $+13.2%

EBITDA38.7 M $+11.0%

Net Income26.4 M $+12.7%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
BCML	—	—	—	18.3%
ICBCT	—	—	—	24.7%
ISBTR	—	—	—	28.1%
TSKB	—	—	—	54.9%
NWG	—	—	—	20.1%
LLOY	—	—	—	25.9%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity344 M $13%
Current Liabilities2.3 B $86%
Long-term Liabilities29.3 M $1%

Key Figures

YoY change

Total Assets2.6 B $+3.3%

Total Liabilities2.3 B $+3.1%

Total Equity344 M $+4.4%

Cash & ST Investments23.7 M $+2.6%

Total Debt20.4 M $-76.6%

Net Debt1.9 M $-97.2%

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
BCML	0.02	5.9%	-0.08	13.0%
ICBCT	—	0.0%	-20.34	4.0%
ISBTR	—	0.0%	-28.33	8.5%
TSKB	—	0.0%	-0.47	13.4%
NWG	0.25	17.0%	-14.68	5.2%
LLOY	0.12	209.8%	5.39	5.0%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
BCML	0.02	5.9%	-0.08	13.0%
CHMG	—	49.0%	-6.50	9.6%
WSBF	0.23	118.6%	9.39	15.5%
BRBS	—	62.0%	1.41	11.5%
NECB	0.05	7.0%	-0.82	17.6%
TSBK	179.28	8.5%	-0.03	13.2%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow29.4 M $-14.9%

Capital Expenditures2.4 M $+246.5%

Free Cash Flow27.5 M $-18.8%

Dividends Paid-8.2 M $-304.6%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
BCML	20.4%	19.1%	1.7%	111.4%
ICBCT	24.7%	29.9%	5.1%	100.0%
ISBTR	28.1%	-3.3%	31.4%	100.0%
TSKB	54.9%	71.9%	17.0%	100.0%
NWG	—	—	0.0%	—
LLOY	—	—	0.0%	—
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
BCML	20.4%	19.1%	1.7%	111.4%
CHMG	33.2%	32.2%	1.0%	259.1%
WSBF	-1.5%	-2.5%	0.9%	-10.9%
BRBS	22.4%	20.9%	1.5%	269.2%
NECB	33.9%	32.9%	1.0%	118.9%
TSBK	27.1%	25.4%	1.7%	101.4%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 8, 26. This content is for informational purposes only and is not investment advice.