← BayCom Corp
| Annual Trend | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Net income | $5.3m |
$14.5m
+175.53%
|
$17.3m
+19.49%
|
$13.7m
-20.74%
|
$20.7m
+50.74%
|
$27.0m
+30.43%
|
$27.4m
+1.62%
|
$23.6m
-13.90%
|
$23.9m
+1.34%
|
$24.2m
+1.14%
|
|
| Amortization (accretion) on acquired loans | — | — | — | — | — | ($375k) | ($876k) | $28k | $239k | — | |
| Amortization on junior subordinated debentures | $40k | $59k | $81k | $80k | $251k | $81k | $81k | $80k | $1.0m | — | |
| Amortization/accretion of premiums/discounts on investment securities, net | $369k | $441k | $507k | $689k | $499k | $592k | $340k | $35k | $136k | — | |
| Depreciation and amortization | $762k | $935k | $1.2m | $1.9m | $2.0m | $2.0m | $1.7m | $2.0m | $2.0m | $3.1m | |
| Core deposit intangible amortization | $850k | $1.2m | $1.6m | $1.8m | $1.8m | $2.0m | $1.3m | $1.2m | $948k | — | |
| Amortization Cash Flow | — | — | — | — | — | $2.0m | $1.3m | $1.2m | $948k | — | |
| Amortization Of Intangibles | — | — | — | — | — | $2.0m | $1.3m | $1.2m | $948k | $1.1m | |
| Depreciation Amortization Depletion | — | — | — | — | — | $4.0m | $3.0m | $3.3m | $3.0m | $3.1m | |
| Deferred tax (benefit) expense | $3.5m | $740k | $1.4m | ($2.5m) | $117k | ($396k) | $1k | $801k | ($503k) | — | |
| Deferred Income Tax | — | — | — | — | — | ($1.7m) | $1k | $801k | ($503k) | ($419k) | |
| Change In Working Capital | — | — | — | — | — | ($905k) | ($4.9m) | $276k | ($1.9m) | $2.9m | |
| Change In Receivables | — | — | — | — | — | ($2.3m) | $1.8m | $2.5m | $3.7m | $6.6m | |
| Changes In Account Receivables | — | — | — | — | — | ($2.3m) | $1.8m | $2.5m | $3.7m | $6.6m | |
| Net change in interest receivable and other assets | $990k | ($848k) | ($12.0m) | ($1.2m) | ($2.6m) | ($2.3m) | $1.8m | $2.5m | $3.7m | — | |
| Net change in interest payable and other liabilities | $2.8m | $625k | $15.4m | ($3.6m) | $2.8m | $3.4m | ($5.6m) | ($1.6m) | ($4.6m) | — | |
| Change In Other Current Liabilities | — | — | — | — | $384k | $447k | — | — | — | — | |
| Net cash provided by operating activities | $9.3m |
$6.2m
-33.14%
|
$7.0m
+11.53%
|
$10.0m
+43.72%
|
$10.4m
+4.32%
|
$39.6m
+279.83%
|
$30.8m
-22.24%
|
$30.4m
-1.44%
|
$31.8m
+4.86%
|
$33.3m
+4.47%
|
|
| Purchase of equipment and leasehold improvements, net | $368k | ($1.0m) | ($1.4m) | ($3.2m) | ($1.3m) | ($843k) | ($2.1m) | ($1.7m) | ($1.7m) | — | |
| Net Other Investing Changes | — | — | — | — | — | ($1.0m) | ($658k) | ($19k) | $1.7m | ($229k) | |
| Net cash (used in) provided by investing activities | $90.4m | ($11.3m) | $927k | ($73.7m) | ($60.4m) | $53.9m | $80.4m | ($62.2m) | ($90.8m) | — | |
| Gain on repayment of subordinated debt, net | — | — | — | — | — | — | — | ($34k) | — | — | |
| Repayment of subordinated debt | — | — | — | ($1.6m) | — | — | — | ($315k) | ($64.7m) | — | |
| Issuance Of Debt | — | — | — | — | $0 | $0 | — | — | — | $0 | |
| Long Term Debt Issuance | — | — | — | — | $0 | $0 | $0 | ($315k) | ($64.7m) | $0 | |
| Long Term Debt Payments | — | — | — | — | — | $0 | $0 | ($315k) | ($64.7m) | $0 | |
| Net Issuance Payments Of Debt | — | — | — | — | — | $0 | $0 | ($315k) | ($64.7m) | $0 | |
| Repayment Of Debt | — | — | — | — | — | $0 | $0 | ($315k) | ($64.7m) | $0 | |
| Repurchase of common stock | ($24k) | $0 | ($11.0m) | ($18.3m) | ($11.6m) | ($18.0m) | ($24.1m) | ($9.2m) | ($6.9m) | — | |
| Dividends paid on common stock | — | — | — | — | — | ($2.0m) | ($3.6m) | ($3.4m) | ($6.6m) | ($2.7m) | |
| Cash dividends declared on common stock not yet paid | — | — | — | — | — | ($644k) | ($1.2m) | ($1.7m) | ($3.3m) | — | |
| Common Stock Dividend Paid | — | — | — | — | — | ($2.0m) | ($3.6m) | ($3.4m) | ($6.6m) | ($2.7m) | |
| Common Stock Payments | — | — | — | — | — | ($18.0m) | ($24.1m) | ($9.2m) | ($6.9m) | ($6.3m) | |
| Net Common Stock Issuance | — | — | — | — | — | ($18.0m) | ($24.1m) | ($9.2m) | ($6.9m) | ($6.3m) | |
| Repurchase Of Capital Stock | — | — | — | — | — | ($18.0m) | ($24.1m) | ($9.2m) | ($6.9m) | ($6.3m) | |
| Cash Dividends Paid | — | — | — | — | — | ($2.0m) | ($3.6m) | ($3.4m) | ($6.6m) | ($2.7m) | |
| Net cash (used in) provided by financing activities | $21.4m |
$78.7m
+267.42%
|
($36.1m)
-145.82%
|
$67.6m
+287.37%
|
$130.3m
+92.72%
|
($296.4m)
-327.51%
|
$19.5m
+106.59%
|
$88.3m
+352.47%
|
($98.6m)
-211.60%
|
— | |
| Cash and cash equivalents at beginning of period | $128.7m | $249.9m | $323.6m | $299.3m | $379.7m | $176.8m | $307.5m | $364.0m | $206.5m | — | |
| Beginning Cash Position | — | — | — | — | — | $379.7m | $176.8m | $307.5m | $364.0m | $391.2m | |
| Additional Supplementary Disclosures | |||||||||||
| Additional Supplementary Disclosures | |||||||||||
| Provision for credit losses | — | — | — | — | $466k | $4.4m | $2.0m | $1.3m | $4.1m | — | |
| Gain on sale of loans | ($2.2m) | ($2.1m) | ($3.0m) | ($1.8m) | ($4.8m) | ($2.7m) | ($508k) | ($287k) | ($268k) | — | |
| Proceeds from sale of loans originated for sale | $24.8m | $29.0m | $38.4m | $24.0m | $45.8m | $42.5m | $9.6m | $4.7m | $4.7m | — | |
| Loans originated for sale | ($25.6m) | ($37.8m) | ($52.5m) | ($32.6m) | ($54.6m) | ($34.0m) | ($7.2m) | ($3.6m) | ($3.6m) | — | |
| Loss on sale of OREO | ($252k) | ($70k) | ($112k) | ($86k) | ($15k) | — | $21k | — | — | — | |
| Increase in cash surrender value of life insurance policies | ($231k) | ($301k) | ($642k) | ($666k) | ($680k) | ($603k) | ($674k) | ($724k) | ($762k) | — | |
| Loss (gain) on equity securities | — | — | — | — | $0 | $4.6m | $1.1m | ($463k) | $230k | — | |
| Stock based compensation expense | $423k | $1.2m | $1.2m | $1.5m | $1.4m | $1.0m | $726k | $588k | $653k | $566k | |
| Decrease in deferred loan origination fees, net | $158k | ($103k) | $85k | $3.4m | ($1.9m) | ($1.8m) | ($138k) | ($93k) | ($495k) | — | |
| Increase in salary continuation plan, net | $126k | ($708k) | $320k | $351k | $384k | $447k | ($288k) | $185k | $385k | — | |
| Proceeds from maturities of interest bearing deposits in banks | $2.5m | $1.5m | $2.2m | $10.1m | $4.1m | $1.3m | $996k | $996k | $249k | — | |
| Purchase of investment securities AFS | — | ($41.4m) | ($16.9m) | ($21.2m) | ($91.0m) | ($28.9m) | ($25.3m) | ($49.9m) | ($15.6m) | ($26.9m) | |
| Proceeds from maturities, repayments and calls of investment securities AFS | — | $5.1m | $12.7m | $31.2m | $28.0m | $11.1m | $11.6m | $21.9m | $38.6m | — | |
| Purchase of FHLB stock | $319k | ($236k) | ($236k) | ($398k) | ($648k) | — | ($634k) | — | ($211k) | — | |
| Redemption (purchase) of FRB stock | $1.6m | $921k | — | — | — | — | ($24k) | ($19k) | $1.9m | — | |
| Proceeds from sale of loans held for investment | — | — | — | — | — | — | — | $6.3m | $2.4m | — | |
| Purchase of loans | — | — | — | — | — | ($14.0m) | ($17.7m) | ($86.1m) | ($31.0m) | — | |
| (Increase) decrease in loans, net | — | $4.3m | ($48.5m) | ($82.2m) | ($2.9m) | $53.8m | $95.9m | $46.3m | ($85.4m) | — | |
| (Decrease) increase in noninterest and interest bearing deposits in banks, net | $7.8m | $69.1m | $13.4m | $111.2m | $31.5m | ($31.0m) | ($136.6m) | $22.1m | ($31.1m) | — | |
| Increase in time deposits, net | $23.5m | ($51.2m) | ($38.6m) | ($92.2m) | $115.3m | ($245.5m) | $183.9m | $79.2m | $10.8m | — | |
| Decrease in cash and cash equivalents | $121.2m | $73.7m | ($28.2m) | $3.9m | $80.4m | ($202.9m) | $130.7m | $56.5m | ($157.5m) | — | |
| Interest expense | $4.2m | $4.9m | $7.5m | $9.2m | $9.0m | $10.2m | $27.0m | $40.6m | $40.6m | — | |
| Income taxes paid, net | — | $5.4m | $5.1m | $8.1m | $7.1m | $7.6m | $12.2m | $6.5m | $8.5m | — | |
| Change in unrealized gain on AFS securities, net of tax | $89k | ($316k) | $1.4m | $1.4m | ($531k) | ($17.0m) | ($3.0m) | $1.6m | $6.4m | — | |
| Transfer of loans to held-for-sale | — | — | — | — | — | — | — | $2.2m | $2.0m | — | |
| Recognition of ROU assets in exchange for lease obligations | — | — | — | — | — | $3.3m | $644k | $3.2m | $2.7m | — | |
| Cash Flow From Continuing Financing Activities | — | — | — | — | — | ($296.4m) | $19.5m | $88.3m | ($98.6m) | $2.6m | |
| Cash Flow From Continuing Investing Activities | — | — | — | — | — | $53.9m | $80.4m | ($62.2m) | ($90.8m) | ($135.4m) | |
| Change In Account Payable | — | — | — | — | — | $3.4m | ($5.6m) | ($1.6m) | ($4.6m) | ($2.5m) | |
| Change In Cash Supplemental As Reported | — | — | — | — | — | ($202.9m) | $130.7m | $56.5m | ($157.5m) | — | |
| Change In Other Working Capital | — | — | — | — | — | ($156k) | ($962k) | ($539k) | ($377k) | ($616k) | |
| Change In Payable | — | — | — | — | — | $3.4m | ($5.6m) | ($1.6m) | ($4.6m) | ($2.5m) | |
| Changes In Cash | — | — | — | — | — | ($202.9m) | $130.7m | $56.5m | ($157.5m) | ($99.6m) | |
| End Cash Position | — | — | — | — | — | $176.8m | $307.5m | $364.0m | $206.5m | $291.6m | |
| Financing Cash Flow | — | — | — | — | — | ($296.4m) |
$19.5m
+106.59%
|
$88.3m
+352.47%
|
($98.6m)
-211.60%
|
$2.6m
+102.63%
|
|
| Free Cash Flow | — | — | — | — | — | $38.8m | $28.7m | $28.7m | $30.1m | $32.0m | |
| Gain Loss On Investment Securities | — | — | — | — | — | $4.6m | $1.1m | ($463k) | $230k | $37k | |
| Gain Loss On Sale Of PPE | — | — | — | — | ($12k) | $0 | $0 | — | — | — | |
| Interest Paid Supplemental Data | — | — | — | — | — | $10.2m | $27.0m | $40.6m | $40.6m | $40.6m | |
| Investing Cash Flow | — | — | — | — | — | $53.9m | $80.4m | ($62.2m) | ($90.8m) | ($135.4m) | |
| Net Business Purchase And Sale | — | — | — | — | $0 | $18.4m | $0 | $0 | — | $0 | |
| Net Investment Properties Purchase And Sale | — | — | — | — | $422k | $0 | $0 | — | — | $0 | |
| Net Investment Purchase And Sale | — | — | — | — | — | ($17.8m) | ($13.7m) | ($28.0m) | $23.0m | $3.8m | |
| Net PPE Purchase And Sale | — | — | — | — | — | ($843k) | ($2.1m) | ($1.7m) | ($1.7m) | ($1.2m) | |
| Operating Gains Losses | — | — | — | — | — | $1.8m | $654k | ($784k) | ($38k) | ($215k) | |
| Other Non Cash Items | — | — | — | — | — | $6.6m | $1.6m | $1.3m | $2.5m | — | |
| Purchase Of PPE | — | — | — | — | — | ($843k) | ($2.1m) | ($1.7m) | ($1.7m) | ($1.2m) | |
| Sale Of Business | — | — | — | — | $0 | $18.4m | $0 | $0 | — | $0 | |
| Sale Of Investment | — | — | — | — | — | $11.1m | $11.6m | $21.9m | $38.6m | $30.6m | |
| Sale Of Investment Properties | — | — | — | — | $422k | $0 | $0 | — | — | $30.6m | |
| Sale Of PPE | — | — | — | — | $46k | $0 | $0 | — | — | — |