10-Q · May 11, 2026
BayCom Corp reported robust financial performance for Q1 2026, achieving net income of $8.2 million, representing a 43.5% increase year-over-year. Key drivers included a rise in net interest income to $25.2 million,…
Earnings analysis · 10-Q
BCML earnings analysis
Filed August 10, 2026 · Our reading of the company's report
The latest report
The 10-Q reports no material risk-factor changes, no material change in interest-rate exposure since the 2025 Annual Report, and effective disclosure controls as of June 30, 2026. Supplemental earnings data show Q2 EPS…
Read full summary
The 10-Q reports no material risk-factor changes, no material change in interest-rate exposure since the 2025 Annual Report, and effective disclosure controls as of June 30, 2026. Supplemental earnings data show Q2 EPS of $0.32, 50% below the $0.64 consensus estimate, while revenue of $25.214 million exceeded the $25.100 million estimate by 0.45%. The filing provides no quantitative guidance, segment data, margin data, balance-sheet detail, or cash-flow detail in the supplied text.
How we read each report
Our analysis across the last few reports.
Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.
Reported figures
- Earnings per share
- $0.32
What stood out
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Controls remain effective
Management concluded disclosure controls were effective as of June 30, 2026, and reported no changes during the quarter that materially affected, or were reasonably likely to materially affect, internal control over financial reporting.
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No share repurchases in Q2
The company repurchased 0 shares for $0 during the three months ended June 30, 2026. The repurchase program had 202,444 shares remaining available at quarter-end.
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Repurchase capacity remains available
The board’s ninth repurchase program authorizes up to 560,000 shares, approximately 5.0% of outstanding common stock, with no expiration date.
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Revenue beat but EPS missed
Reported Q2 EPS was $0.32 versus the $0.64 consensus estimate, a $0.32 shortfall or 50%. Revenue was $25.214 million versus the $25.100 million estimate, a $0.114 million or 0.45% beat.
What to watch
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Interest-rate sensitivity
Interest-rate risk is identified as a significant market risk that could materially affect financial condition and results of operations; management reported no material change in exposure since the 2025 Annual Report.
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No new risk-factor updates
The filing states there were no material changes to the risk factors disclosed in Item 1A of the 2025 Annual Report, so no newly disclosed risk mitigation or deterioration is evident.
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Internal-control limitations
The company notes that controls provide reasonable, not absolute, assurance and may be circumvented through error, fraud, collusion, or management override under Rule 13a-15(e).
Management's outlook
The 10-Q provides no quantitative revenue or EPS outlook; no guidance change is disclosed.
Earlier filings 4
10-K · March 16, 2026
BayCom (BCML) presents a stable, relationship-focused community bank franchise with $2.6 billion in assets and a strategy of mixed organic growth and selective acquisitions (10 acquisitions since 2010, aggregate assets…
10-Q · November 7, 2025
BayCom reported three months ended September 30, 2025 net revenue of $25.657M and diluted EPS of $0.46. Net interest income improved modestly while provisions for credit losses jumped and cash balances declined…
10-Q · August 11, 2025
BayCom reported Q2 2025 net income of $6.364M (diluted EPS $0.58) vs $5.600M ($0.50) in Q2 2024, driven by modest loan growth and slightly higher net interest income. Loans increased to $1,999.6M and net interest income…
This is our reading of a public filing, not the filing itself. Analysis can contain errors; check the source document for full context.