NASDAQ$BCML
Baycom Corp · Q4 2025 earnings
Q4 2025 earnings · · After market close · Investor relations
Briefing
BayCom reported Q4 2025, net income of $1.9M.
For Q4 2025, BayCom reported net income of $1.9M. Management discusses segment performance, capital allocation, and outlook in the earnings filing.
- Net income $1.9M.
- BayCom highlights liquidity, credit, and 2026 priorities.
- BayCom highlights liquidity, credit, and 2026 priorities.
Headline financials
Revenue & EPS history
Baycom · Revenue · Quarterly
$25.9M
Revenue by segment
Baycom · $22.6M total across 2 segments · Q1 2020
- Net Interest Income$20M+34.2%88.5%
- Noninterest Income$2.6M+23.8%11.5%
Forward guidance
The release discusses BayCom's outlook for upcoming periods, including capital allocation, operating priorities, and market risks, without relying solely on numeric EPS bridges.
Tailwinds
- BayCom cites operational execution and demand trends supporting the outlook.
- Balance sheet and liquidity actions aim to fund growth and shareholder returns.
- Net interest margin and loan/deposit growth support the regional banking outlook.
Headwinds
- Macro, pricing, and input-cost volatility could pressure margins.
- Segment mix and one-time items may affect quarter-to-quarter comparability.
- Credit costs and funding competition remain key risks for banks.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q4 2025
-0.1%
Avg return
Earnings day
+0.8%
Avg return
5 days after
+2.3%
Avg return
30 days after
50%
27 / 54 earnings
Positive
+9.2%
Q4 2021
Best reaction
-8.7%
Q2 2022
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | +3.3% | +1.2% | +6.7% | |
| Q4 2025 | -2.4% | -5.1% | +0.5% | |
| Q3 2025 | -0.7% | -1.1% | +6.1% | |
| Q2 2025 | -1.9% | -0.3% | +3.6% | |
| Q1 2025 | +0.1% | +3.5% | +3.6% | |
| Q4 2024 | +2.7% | +5.7% | +3.5% | |
| Q3 2024 | +0.0% | +0.4% | +11.4% | |
| Q2 2024 | -2.1% | +0.9% | -7.2% | |
| Q1 2024 | +1.3% | +1.4% | +5.0% | |
| Q4 2023 | +0.2% | +0.6% | -7.4% | |
| Q3 2023 | -0.3% | -2.6% | +6.8% | |
| Q2 2023 | +7.2% | +10.0% | +5.6% | |
| Q1 2023 | -4.3% | -5.5% | -6.7% | |
| Q4 2022 | +0.6% | +4.7% | +3.1% | |
| Q3 2022 | -3.8% | +1.6% | +2.4% | |
| Q2 2022 | -8.7% | -9.5% | -5.8% | |
| Q1 2022 | +1.5% | +0.4% | -5.0% | |
| Q4 2021 | +9.2% | +9.1% | +14.7% | |
| Q3 2021 | -0.5% | -0.4% | +4.3% | |
| Q2 2021 | +1.8% | +2.0% | -3.9% | |
| Q1 2021 | +0.8% | +1.0% | +2.6% | |
| Q4 2020 | +0.0% | -1.4% | +16.3% | |
| Q3 2020 | +2.4% | -3.3% | +23.4% | |
| Q2 2020 | -6.5% | -5.1% | -10.1% | |
| Q1 2020 | +1.4% | +16.6% | +9.0% | |
| Q4 2019 | +0.8% | +0.9% | -6.7% | |
| Q3 2019 | -2.5% | +0.7% | +3.9% | |
| Q2 2019 | +1.7% | +2.1% | -5.4% | |
| Q1 2019 | +0.9% | +7.2% | -3.9% | |
| Q4 2016 | -4.9% | -10.2% | -3.9% | |
| Q4 2018 | +0.5% | -2.5% | +6.6% | |
| Q3 2017 | -1.2% | +0.6% | -6.5% | |
| Q3 2018 | -5.9% | -5.3% | -0.9% | |
| Q4 2017 | +0.8% | +1.3% | -0.1% | |
| Q2 2017 | +0.8% | +1.3% | -0.1% | |
| Q2 2018 | +1.5% | +1.1% | +11.2% | |
| Q1 2017 | -0.2% | +3.5% | +1.5% | |
| Q1 2018 | +3.0% | +5.4% | +8.1% | |
| Q3 2016 | +0.1% | +0.0% | +0.0% | |
| Q2 2016 | +0.6% | +0.6% | +3.7% | |
| Q1 2016 | -0.3% | — | — | |
| Q4 2015 | +0.0% | — | — | |
| Q3 2015 | +0.0% | — | — | |
| Q2 2015 | +0.0% | — | — | |
| Q1 2015 | -0.3% | — | — | |
| Q4 2014 | -0.4% | — | — | |
| Q3 2014 | +0.8% | — | — | |
| Q2 2014 | +0.5% | — | — | |
| Q1 2014 | +0.4% | — | — | |
| Q4 2013 | +0.0% | — | — | |
| Q3 2013 | +0.0% | — | — | |
| Q2 2013 | +0.0% | — | — | |
| Q1 2013 | -0.6% | — | — | |
| Q4 2012 | +0.0% | — | — |
Discussion
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