BayCom Corp (BCML) Balance Sheet
BCML balance sheet, 2025
December 31, 2025 · U.S. dollars$2.59B assets = $2.26B liabilities + $338.6M equity
Both columns are drawn to the same scale: what BCML owns equals what it owes plus shareholders’ equity. Hover a block for its value.
BCML financial health
Descriptive bands, not a rating. Fiscal 2025.
BCML balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $675.3M2016 | $2.59B2025 | +16.1%/yr | |
| Total liabilities | $597.2M2016 | $2.26B2025 | +15.9%/yr | |
| Shareholders’ equity | $78.1M2016 | $338.6M2025 | +17.7%/yr | |
| Cash & short-term investments | $21.1M2016 | $206.5M2025 | +28.8%/yr | |
| Total debt | $11.7M2017 | $22.4M2025 | +8.5%/yr | |
| Net cash (debt) | $45.3M2017 | $184.1M2025 | +$138.8M | |
| Working capital | −$559.1M2016 | $202.8M2025 | +$761.9M | |
| Book value per share | $14.322016 | $31.072025 | +9.0%/yr | |
| Debt / equity | 0.102017 | 0.072025 | −0.03 | |
| Shares outstanding | 5.4M2016 | 10.9M2025 | +8.0%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
BCML assets
BCML liabilities and equity
BCML debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
BCML balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $206.5M | $25.4M | $25.5M | $183.2M | $180.4M | $153.0M | $145.1M | $124.6M | $57.0M | $21.1M |
| Cash & equivalents | $26.8M | $23.4M | $19.1M | $29.2M | $24.8M | $37.4M | $25.2M | $24.8M | $16.5M | $7.2M |
| Short-term investments | $179.7M | $2.0M | $6.3M | $154.0M | $155.7M | $115.6M | $119.9M | $99.8M | $40.5M | $13.9M |
| Receivables | $8.3M | $28.6M | $31.9M | $30.4M | $16.5M | $15.9M | $11.4M | $3.7M | $15.2M | $13.8M |
| Inventory | $0 | $0 | −$14.0M | −$179.5M | −$390.8M | −$316.4M | −$304.4M | −$12.2M | $0 | $775,000 |
| Other current assets | $0 | $1.9M | $16.0M | $181.0M | $392.4M | $318.0M | $305.5M | $14.3M | $1.11B | $0 |
| Total current assets | $206.5M | $55.9M | $59.4M | $215.2M | $198.5M | $170.5M | $157.7M | $130.5M | $1.18B | $34.9M |
| Property, plant & equipment (net) | $25.9M | $26.8M | $27.7M | $29.8M | $26.5M | $27.2M | $25.8M | $11.2M | $8.4M | $1.1M |
| Goodwill & intangible assets | $40.6M | $41.5M | $42.8M | $44.0M | $45.3M | $47.1M | $44.7M | $21.8M | $15.1M | $802,436 |
| Long-term investments | $201.1M | $216.3M | $185.7M | $167.8M | $174.4M | $115.6M | $122.6M | $101.5M | $40.5M | $13.9M |
| Other non-current assets | $2.12B | $2.32B | $2.24B | $2.06B | $1.91B | $1.84B | $1.64B | $1.21B | $0 | $624.5M |
| Total assets | $2.59B | $2.66B | $2.55B | $2.51B | $2.35B | $2.20B | $1.99B | $1.48B | $1.25B | $675.3M |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | $16.5M | $13.9M | $11.6M | $11.3M | $8.4M | $7.4M | $3.3M |
| Short-term debt | — | $3.9M | $3.9M | $3.9M | $3.2M | $8.1M | $3.4M | — | $300,000 | — |
| Deferred revenue | — | — | — | $12.7M | $10.7M | $3.5M | $7.9M | — | $7.1M | — |
| Total current liabilities | $3.8M | $2.23B | $2.13B | $2.10B | $2.00B | $1.85B | $1.71B | $1.27B | $7.4M | $594.1M |
| Long-term debt | $8.7M | $72.4M | $72.4M | $72.2M | $71.9M | $76.7M | $8.2M | $8.2M | $11.4M | $0 |
| Lease obligations | $13.7M | $14.4M | $14.8M | $17.1M | $12.7M | $12.3M | $15.6M | — | — | — |
| Other long-term liabilities | $2.25B | $33.8M | $33.9M | $22.0M | $17.1M | $16.3M | $19.3M | $3.3M | $0 | $3.2M |
| Total liabilities | $2.26B | $2.34B | $2.24B | $2.20B | $2.09B | $1.94B | $1.74B | $1.28B | $1.13B | $597.2M |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $166.3M | $172.3M | $180.9M | $204.3M | $157.1M | $167.2M | $184.3M | $149.5M | $81.3M | $46.1M |
| Retained earnings (deficit) | $178.9M | $164.8M | $146.3M | $124.1M | $103.1M | $82.4M | $68.6M | $51.3M | $36.8M | $31.6M |
| Accumulated other comprehensive income | −$6.6M | −$13.0M | −$14.6M | −$11.6M | $2.2M | $2.7M | $1.3M | −$103,000 | $213,000 | $88,434 |
| Total shareholders' equity | $338.6M | $324.4M | $312.9M | $317.1M | $262.6M | $252.6M | $254.2M | $200.8M | $118.6M | $78.1M |
| Key figures | ||||||||||
| Total debt | $22.4M | $86.8M | $87.2M | $89.3M | $84.6M | $89.0M | $23.8M | $8.2M | $11.7M | — |
| Net cash (debt) | $184.1M | −$61.4M | −$61.7M | $93.9M | $95.8M | $64.0M | $121.3M | $116.5M | $45.3M | — |
| Working capital | $202.8M | −$2.18B | −$2.07B | −$1.89B | −$1.80B | −$1.68B | −$1.55B | −$1.14B | $1.17B | −$559.1M |
| Tangible book value | $298.0M | $282.8M | $270.1M | $273.1M | $217.3M | $205.5M | $209.6M | $179.0M | $103.5M | $77.3M |
| Book value per share | $31.07 | $28.80 | $25.91 | $24.17 | $24.13 | $21.11 | $20.13 | $20.71 | $18.19 | $14.32 |
| Shares outstanding | 10.9M | 11.3M | 12.1M | 13.1M | 10.9M | 12.0M | 12.6M | 9.7M | 6.5M | 5.4M |
| Current ratio | 55.06 | 0.03 | 0.03 | 0.10 | 0.10 | 0.09 | 0.09 | 0.10 | 159.24 | 0.06 |
| Quick ratio | 57.27 | 0.02 | 0.03 | 0.10 | 0.10 | 0.09 | 0.09 | 0.10 | 9.72 | 0.06 |
| Debt / equity | 0.07 | 0.27 | 0.28 | 0.28 | 0.32 | 0.35 | 0.09 | 0.04 | 0.10 | — |
| Equity / assets | 13.1% | 12.2% | 12.3% | 12.6% | 11.2% | 11.5% | 12.7% | 13.6% | 9.5% | 11.6% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $204.5M | $23.7M | $31.6M | $23.8M | $206.4M | $23.1M | $25.4M | $219.9M | $207.7M | $189.3M | $25.5M | $178.0M |
| Cash & equivalents | $21.8M | $18.6M | $26.8M | $21.7M | $21.8M | $21.0M | $23.4M | $26.2M | $24.0M | $21.4M | $19.1M | $32.2M |
| Short-term investments | $182.7M | $5.1M | $4.8M | $2.1M | $184.7M | $2.0M | $2.0M | $193.8M | $183.6M | $167.9M | $6.3M | $145.8M |
| Receivables | $8.3M | $8.6M | $8.3M | $24.7M | $25.2M | $25.9M | $28.6M | $29.7M | $30.1M | $30.6M | $31.9M | $32.7M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$421.3M | −$378.9M | −$14.0M | −$318.4M |
| Other current assets | $0 | $2.2M | $2.3M | $2.5M | $0 | $1.8M | $1.9M | $1.8M | $423.2M | $380.9M | $16.0M | $320.7M |
| Total current assets | $21.8M | $34.4M | $42.2M | $51.0M | $206.4M | $50.8M | $55.9M | $251.4M | $239.7M | $221.8M | $59.4M | $213.0M |
| Property, plant & equipment (net) | $27.9M | $26.6M | $25.9M | $27.1M | $26.8M | $27.2M | $26.8M | $26.5M | $26.9M | $27.8M | $27.7M | $28.7M |
| Goodwill & intangible assets | $40.4M | $40.5M | $40.6M | $40.8M | $41.0M | $41.3M | $41.5M | $41.8M | $42.1M | $42.4M | $42.8M | $43.1M |
| Long-term investments | $203.6M | $211.7M | $201.1M | $209.9M | $206.7M | $214.7M | $216.3M | $218.1M | $206.4M | $191.2M | $185.7M | $157.5M |
| Other non-current assets | $2.29B | $2.34B | $2.28B | $2.27B | $2.14B | $2.23B | $2.32B | $2.02B | $2.08B | $2.08B | $2.24B | $2.13B |
| Total assets | $2.58B | $2.65B | $2.59B | $2.60B | $2.62B | $2.56B | $2.66B | $2.56B | $2.59B | $2.56B | $2.55B | $2.57B |
| Liabilities | ||||||||||||
| Accounts payable | $2.6M | $2.5M | — | $2.9M | $3.7M | $3.0M | — | $4.0M | $4.4M | $3.5M | — | $3.3M |
| Short-term debt | $25.0M | $2.9M | — | $972,000 | $2.0M | $3.0M | $3.9M | $978,000 | $2.0M | $2.9M | $3.9M | — |
| Total current liabilities | $2.0M | $2.28B | $2.21B | $2.24B | $2.19B | $2.14B | $2.23B | $2.15B | $2.19B | $2.15B | $2.13B | $2.17B |
| Long-term debt | $30.9M | $5.9M | $8.7M | $8.7M | $72.5M | $72.4M | $72.4M | $72.3M | $72.3M | $72.2M | $72.4M | $72.4M |
| Lease obligations | $15.7M | $14.6M | $13.7M | $14.5M | $14.1M | $15.0M | $14.4M | $13.7M | $13.8M | $14.3M | $14.8M | $16.0M |
| Other long-term liabilities | $2.21B | $23.4M | $32.8M | $21.5M | $21.4M | $24.6M | $33.8M | $22.2M | $21.1M | $23.2M | $33.9M | $25.0M |
| Total liabilities | $2.24B | $2.30B | $2.26B | $2.27B | $2.29B | $2.23B | $2.34B | $2.24B | $2.28B | $2.25B | $2.24B | $2.27B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $167.6M | $166.2M | $166.0M | $166.6M | $167.7M | $171.1M | $172.3M | $172.2M | $173.1M | $177.1M | $180.9M | $183.2M |
| Retained earnings (deficit) | $173.6M | $183.8M | $178.9M | $175.3M | $173.0M | $168.9M | $164.8M | $160.4M | $155.5M | $151.0M | $146.3M | $141.0M |
| Accumulated other comprehensive income | −$5.8M | −$6.3M | −$6.6M | −$8.0M | −$10.1M | −$10.9M | −$13.0M | −$11.2M | −$13.6M | −$14.1M | −$14.6M | −$17.3M |
| Total shareholders' equity | $335.4M | $344.0M | $338.6M | $334.3M | $330.6M | $329.3M | $324.4M | $321.7M | $315.3M | $314.2M | $312.9M | $307.3M |
| Key figures | ||||||||||||
| Total debt | $46.6M | $20.4M | $22.4M | $23.2M | $86.6M | $87.5M | $86.8M | $86.0M | $86.0M | $86.5M | $87.2M | $88.4M |
| Net cash (debt) | $157.9M | $3.2M | $9.2M | $589,000 | $119.8M | −$64.4M | −$61.4M | $133.9M | $121.6M | $102.8M | −$61.7M | $89.6M |
| Working capital | $19.8M | −$2.24B | −$2.17B | −$2.19B | −$1.98B | −$2.09B | −$2.18B | −$1.89B | −$1.95B | −$1.93B | −$2.07B | −$1.96B |
| Tangible book value | $295.0M | $303.5M | $298.0M | $293.5M | $289.5M | $288.1M | $282.8M | $279.8M | $273.1M | $271.8M | $270.1M | $264.2M |
| Book value per share | $30.74 | $31.53 | $31.07 | $30.58 | $30.04 | $29.57 | $29.16 | $28.85 | $28.01 | $27.26 | $27.04 | $26.01 |
| Shares outstanding | 10.9M | 10.9M | 10.9M | 10.9M | 11.0M | 11.1M | 11.1M | 11.1M | 11.3M | 11.5M | 11.6M | 11.8M |
| Current ratio | 10.96 | 0.02 | 0.02 | 0.02 | 0.09 | 0.02 | 0.03 | 0.12 | 0.11 | 0.10 | 0.03 | 0.10 |
| Quick ratio | 107.14 | 0.01 | 0.02 | 0.02 | 0.11 | 0.02 | 0.02 | 0.12 | 0.11 | 0.10 | 0.03 | 0.10 |
| Debt / equity | 0.14 | 0.06 | 0.07 | 0.07 | 0.26 | 0.27 | 0.27 | 0.27 | 0.27 | 0.28 | 0.28 | 0.29 |
| Equity / assets | 13.0% | 13.0% | 13.1% | 12.8% | 12.6% | 12.8% | 12.2% | 12.6% | 12.2% | 12.3% | 12.3% | 11.9% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 16, 2026); data from EODHD.
BCML financial position
At the end of fiscal 2025 (December 31, 2025), BayCom had total assets of $2.6 billion (down 2.7% from a year earlier), total liabilities of $2.3 billion and shareholders' equity of $338.6 million. It held $206.5 million in cash and short-term investments against $22.4 million of debt, a net cash position of $184.1 million. Its current ratio was 55.06. In the latest quarter (ended June 30, 2026) total assets were $2.6 billion and equity $335.4 million.
Related: BCML income statement, BCML cash flow statement, BCML key metrics. See the BCML stock overview for the latest quote and news.
BCML balance sheet FAQ
What are BayCom's total assets?
BayCom reported total assets of $2.6 billion at the end of fiscal 2025 (December 31, 2025), compared with $2.7 billion a year earlier.
How much debt does BayCom have?
BayCom had $22.4 million of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 0.07.
How much cash does BayCom have?
BayCom held $206.5 million in cash and short-term investments at the end of fiscal 2025; with $22.4 million of debt that is net cash of $184.1 million.
What is BayCom's book value?
BayCom's shareholders' equity (book value) was $338.6 million at the end of fiscal 2025, or $31.07 per share.
What is BayCom's current ratio?
BayCom had current assets of $206.5 million and current liabilities of $3.8 million, a current ratio of 55.06 (it can cover its short-term obligations).
How much goodwill does BayCom have?
BayCom carried $40.6 million of goodwill and intangible assets, 1.6% of total assets, at the end of fiscal 2025.