BCMLBayCom Corp
State Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- −$204M net debt
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear133% of net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowClear42% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear2% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $21M | $24M | $27M | $24M | $24M | 1.3% |
| Operating cash flow | $10M | $40M | $31M | $30M | $32M | 4.9% |
| Capex | $1M | $843K | $2M | $2M | $2M | 2.6% |
| Stock-based comp | $1M | $1M | $726K | $588K | $653K | 11% |
| Buybacks | $12M | $18M | $24M | $9M | $7M | 25% |
| Dividends | — | $2M | $4M | $3M | $7M | 96% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $2M | $2M | 144 | — |
| FY2024 | $1M | $1M | 144 | — |
| FY2023 | $1M | $1M | 126 | — |