BCML - BayCom Corp

📈 Is growth accelerating? 7 metrics

Metric	Q1 FY2026 Dec 31, 2025 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Dec 31, 2024 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Dec 31, 2024 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Dec 31, 2023 10-Q ↗	Q2 FY2024 Dec 31, 2023 10-Q ↗	Q1 FY2024 Dec 31, 2023 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Dec 31, 2022 10-Q ↗	Q2 FY2023 Dec 31, 2022 10-Q ↗	Q1 FY2023 Dec 31, 2022 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Mar 31, 2022 10-Q ↗	Q2 FY2022 Mar 31, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Dec 31, 2020 10-Q ↗	Q2 FY2021 Dec 31, 2020 10-Q ↗	Q1 FY2021 Dec 31, 2020 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Dec 31, 2019 10-Q ↗	Q2 FY2020 Dec 31, 2019 10-Q ↗	Q1 FY2020 Dec 31, 2019 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Dec 31, 2018 10-Q ↗	Q2 FY2019 Dec 31, 2018 10-Q ↗	Q1 FY2019 Dec 31, 2018 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Dec 31, 2017 10-Q ↗	Q2 FY2018 Dec 31, 2017 10-Q ↗	Q1 FY2018 Dec 31, 2017 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q4 FY2015 Dec 31, 2015 10-K ↗
Revenue Growth YoY (%)	-0.6% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-110%)	—	-3.2% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-154%)	-6.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-204%)	-8.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-246%)	—	-2.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-140%)	8.7% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+44%)	0.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-96%)	—	24.6% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+311%)	15.4% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+156%)	31.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+427%)	—	4.4% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-27%)	-9.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-251%)	-10.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-269%)	—	4.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-19%)	19.9% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+232%)	33.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+452%)	—	35.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+494%)	26.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+340%)	20.1% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+235%)	—	12.1% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+101%)	30.2% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+404%)	95.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1497%)	—	—	—	—	—	—	—
EPS Growth YoY (%)	0.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	65.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-3.6% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-15.3% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-10.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-63.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	7.7% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	103.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	11.8% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	150.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	2.0% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	-40.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	27.5% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	-63.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	88.9% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	88.5% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	73.9% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	2750.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-41.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	30.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-48.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-76.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	48.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-55.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-16.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-67.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-32.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	95.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	107.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—	—
Net Income Growth YoY (%)	-3.0% Weak ↓ Weak Declining Year-over-year change in net income	149.0% Excellent ↑ Excellent Improving Year-over-year change in net income	-9.2% Weak ↑ Weak Improving Year-over-year change in net income	-22.3% Weak ↑ Weak Improving Year-over-year change in net income	-18.3% Weak ↓ Weak Declining Year-over-year change in net income	-77.2% Weak ↓ Weak Declining Year-over-year change in net income	-4.9% Weak ↓ Weak Declining Year-over-year change in net income	84.4% Excellent ↑ Excellent Improving Year-over-year change in net income	10.8% Fair ↓ Fair Declining Year-over-year change in net income	33.5% Excellent ↑ Excellent Improving Year-over-year change in net income	53.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-13.8% Weak ↓ Weak Declining Year-over-year change in net income	43.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-26.3% Weak ↓ Weak Declining Year-over-year change in net income	60.8% Excellent ↓ Excellent Declining Year-over-year change in net income	60.8% Excellent ↓ Excellent Declining Year-over-year change in net income	60.8% Excellent ↓ Excellent Declining Year-over-year change in net income	1056.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-43.0% Weak ↑ Weak Improving Year-over-year change in net income	-43.0% Weak ↓ Weak Declining Year-over-year change in net income	-43.0% Weak ↓ Weak Declining Year-over-year change in net income	-81.7% Weak ↓ Weak Declining Year-over-year change in net income	21.4% Good ↑ Good Improving Year-over-year change in net income	21.4% Good ↑ Good Improving Year-over-year change in net income	21.4% Good ↓ Good Declining Year-over-year change in net income	-35.2% Weak ↓ Weak Declining Year-over-year change in net income	27.9% Excellent ↓ Excellent Declining Year-over-year change in net income	170.9% Excellent Excellent Year-over-year change in net income	187.4% Excellent Excellent Year-over-year change in net income	—	—	—	—	—	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-3.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	—	5.6% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	5.5% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	6.4% Fair → Fair Stable Compound annual revenue growth over 3 years	—	8.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.5% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	5.8% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	—	10.9% Good ↓ Good Declining Compound annual revenue growth over 3 years	8.0% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	16.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	—	14.1% Good ↑ Good Improving Compound annual revenue growth over 3 years	11.3% Good ↓ Good Declining Compound annual revenue growth over 3 years	12.8% Good ↓ Good Declining Compound annual revenue growth over 3 years	—	16.8% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	25.4% Excellent Excellent Compound annual revenue growth over 3 years	46.3% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	1.5% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	—	5.2% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	5.1% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	7.6% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	—	12.5% Excellent → Excellent Stable Compound annual revenue growth over 5 years	11.6% Good ↓ Good Declining Compound annual revenue growth over 5 years	13.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	—	15.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	15.7% Excellent Excellent Compound annual revenue growth over 5 years	29.9% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	0.0% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	14.5% Good ↑ Good Improving Compound annual EPS growth over 3 years	1.9% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	0.7% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	8.4% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	-30.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	27.5% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	31.4% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	35.3% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	197.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	4.2% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	13.2% Good ↓ Good Declining Compound annual EPS growth over 3 years	4.3% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	35.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	18.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	2.9% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-9.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	29.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-16.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	4.2% Caution Caution Compound annual EPS growth over 3 years	-4.0% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q1 FY2026 Dec 31, 2025 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Dec 31, 2024 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Dec 31, 2024 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Dec 31, 2023 10-Q ↗	Q2 FY2024 Dec 31, 2023 10-Q ↗	Q1 FY2024 Dec 31, 2023 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Dec 31, 2022 10-Q ↗	Q2 FY2023 Dec 31, 2022 10-Q ↗	Q1 FY2023 Dec 31, 2022 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Mar 31, 2022 10-Q ↗	Q2 FY2022 Mar 31, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Dec 31, 2020 10-Q ↗	Q2 FY2021 Dec 31, 2020 10-Q ↗	Q1 FY2021 Dec 31, 2020 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Dec 31, 2019 10-Q ↗	Q2 FY2020 Dec 31, 2019 10-Q ↗	Q1 FY2020 Dec 31, 2019 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Dec 31, 2018 10-Q ↗	Q2 FY2019 Dec 31, 2018 10-Q ↗	Q1 FY2019 Dec 31, 2018 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Dec 31, 2017 10-Q ↗	Q2 FY2018 Dec 31, 2017 10-Q ↗	Q1 FY2018 Dec 31, 2017 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q4 FY2015 Dec 31, 2015 10-K ↗
Operating Margin (%) (%)	31.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	—	32.4% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	31.9% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	33.3% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	—	35.0% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	39.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+59%)	37.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	—	36.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	23.6% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	31.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	—	34.0% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	36.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	30.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	—	21.0% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	19.4% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	17.6% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-30%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	25.8% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.0% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.4% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.3% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.9% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	6.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.5% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.4% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.2% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.0% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.0% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.1% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.0% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.1% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.8% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.6% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.3% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.2% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.9% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.8% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.3% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	23.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	—	23.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	23.6% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	24.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	—	25.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	28.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	26.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	—	25.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	16.7% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	24.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	—	20.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-5%)	22.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—	13.5% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	12.7% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-42%)	12.5% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-43%)	—	24.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	26.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	29.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	—	27.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	27.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	28.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	—	24.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	13.3% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	19.6% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	—	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	Q1 FY2026 Dec 31, 2025 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Dec 31, 2024 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Dec 31, 2024 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Dec 31, 2023 10-Q ↗	Q2 FY2024 Dec 31, 2023 10-Q ↗	Q1 FY2024 Dec 31, 2023 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Dec 31, 2022 10-Q ↗	Q2 FY2023 Dec 31, 2022 10-Q ↗	Q1 FY2023 Dec 31, 2022 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Mar 31, 2022 10-Q ↗	Q2 FY2022 Mar 31, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Dec 31, 2020 10-Q ↗	Q2 FY2021 Dec 31, 2020 10-Q ↗	Q1 FY2021 Dec 31, 2020 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Dec 31, 2019 10-Q ↗	Q2 FY2020 Dec 31, 2019 10-Q ↗	Q1 FY2020 Dec 31, 2019 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Dec 31, 2018 10-Q ↗	Q2 FY2019 Dec 31, 2018 10-Q ↗	Q1 FY2019 Dec 31, 2018 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Dec 31, 2017 10-Q ↗	Q2 FY2018 Dec 31, 2017 10-Q ↗	Q1 FY2018 Dec 31, 2017 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q4 FY2015 Dec 31, 2015 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	0.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	—	0.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	—	0.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—
Return on Common Equity (%) (%)	1.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	1.9% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-84%)	1.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-84%)	1.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	1.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-84%)	0.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-93%)	2.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	2.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-81%)	2.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-81%)	3.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-70%)	2.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	1.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-88%)	2.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	2.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	1.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	1.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	1.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	4.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-63%)	1.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-91%)	1.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-91%)	1.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-91%)	0.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-97%)	2.5% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	2.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	2.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	2.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	3.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	3.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	3.4% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	4.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-65%)	4.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-66%)	1.9% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-84%)	1.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-90%)	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	Q1 FY2026 Dec 31, 2025 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Dec 31, 2024 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Dec 31, 2024 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Dec 31, 2023 10-Q ↗	Q2 FY2024 Dec 31, 2023 10-Q ↗	Q1 FY2024 Dec 31, 2023 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Dec 31, 2022 10-Q ↗	Q2 FY2023 Dec 31, 2022 10-Q ↗	Q1 FY2023 Dec 31, 2022 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Mar 31, 2022 10-Q ↗	Q2 FY2022 Mar 31, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Dec 31, 2020 10-Q ↗	Q2 FY2021 Dec 31, 2020 10-Q ↗	Q1 FY2021 Dec 31, 2020 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Dec 31, 2019 10-Q ↗	Q2 FY2020 Dec 31, 2019 10-Q ↗	Q1 FY2020 Dec 31, 2019 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Dec 31, 2018 10-Q ↗	Q2 FY2019 Dec 31, 2018 10-Q ↗	Q1 FY2019 Dec 31, 2018 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Dec 31, 2017 10-Q ↗	Q2 FY2018 Dec 31, 2017 10-Q ↗	Q1 FY2018 Dec 31, 2017 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q4 FY2015 Dec 31, 2015 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	0.05x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	Q1 FY2026 Dec 31, 2025 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Dec 31, 2024 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Dec 31, 2024 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Dec 31, 2023 10-Q ↗	Q2 FY2024 Dec 31, 2023 10-Q ↗	Q1 FY2024 Dec 31, 2023 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Dec 31, 2022 10-Q ↗	Q2 FY2023 Dec 31, 2022 10-Q ↗	Q1 FY2023 Dec 31, 2022 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Mar 31, 2022 10-Q ↗	Q2 FY2022 Mar 31, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Dec 31, 2020 10-Q ↗	Q2 FY2021 Dec 31, 2020 10-Q ↗	Q1 FY2021 Dec 31, 2020 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Dec 31, 2019 10-Q ↗	Q2 FY2020 Dec 31, 2019 10-Q ↗	Q1 FY2020 Dec 31, 2019 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Dec 31, 2018 10-Q ↗	Q2 FY2019 Dec 31, 2018 10-Q ↗	Q1 FY2019 Dec 31, 2018 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Dec 31, 2017 10-Q ↗	Q2 FY2018 Dec 31, 2017 10-Q ↗	Q1 FY2018 Dec 31, 2017 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q4 FY2015 Dec 31, 2015 10-K ↗
Revenue per Share (USD)	$2.18	—	$2.30	$2.11	$2.12	—	$2.24	$2.07	$2.11	—	$2.04	$1.72	$2.12	—	$2.03	$1.86	$1.80	—	$1.76	$1.85	$1.83	—	$1.65	$1.63	$1.56	—	$1.35	$1.55	$1.88	—	$1.90	$1.76	$1.34	—	—	—
Basic EPS, GAAP (USD)	$0.51	$0.63	$0.54	$0.50	$0.51	$0.38	$0.56	$0.59	$0.57	$1.05	$0.52	$0.29	$0.51	$0.42	$0.51	$0.49	$0.40	$1.14	$0.27	$0.26	$0.23	$0.04	$0.46	$0.20	$0.45	$0.17	$0.31	$0.45	$0.54	$0.53	$0.46	$0.23	$0.26	—	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.15	$0.60	$0.10	$0.10	$0.10	$0.15	$0.10	$0.10	$0.10	$0.25	$0.05	$0.05	$0.05	—	$0.05	$0.05	$0.05	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Book Value per Share (USD)	$29.79	$31.10	$28.13	$28.13	$28.13	$29.17	$27.46	$27.46	$27.46	—	$20.45	$20.45	$20.45	—	$23.65	$23.65	$23.65	—	$22.51	$22.51	$22.51	—	$16.13	$16.13	$16.13	—	$10.91	$10.91	$10.91	—	$10.41	$10.41	$15.82	$15.82	—	—
Tangible Book Value per Share (USD)	$26.22	$27.53	$24.64	$24.64	$24.64	$25.67	$24.09	$24.09	$24.09	—	$17.43	$17.43	$17.43	—	$20.01	$20.01	$20.01	—	$19.37	$19.37	$19.37	—	$14.96	$14.96	$14.96	—	$9.96	$9.96	$9.96	—	$9.03	$9.03	$14.44	$14.44	—	—
Basic Weighted Avg Shares (shares)	11.14M	—	11.15M	11.25M	11.53M	—	11.81M	12.23M	12.70M	—	13.31M	13.58M	12.65M	—	10.69M	10.89M	11.27M	—	11.87M	12.03M	12.34M	—	12.06M	11.38M	10.89M	—	10.87M	9.47M	7.51M	—	6.87M	6.42M	5.40M	—	—	—
Dividend Payout Ratio (%)	29.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	95.2% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	18.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	20.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	19.6% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	39.5% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	17.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	16.9% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	17.5% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	23.8% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	9.6% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	17.2% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	9.8% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	—	9.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	10.2% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	12.5% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	Q1 FY2026 Dec 31, 2025 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Dec 31, 2024 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Dec 31, 2024 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Dec 31, 2023 10-Q ↗	Q2 FY2024 Dec 31, 2023 10-Q ↗	Q1 FY2024 Dec 31, 2023 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Dec 31, 2022 10-Q ↗	Q2 FY2023 Dec 31, 2022 10-Q ↗	Q1 FY2023 Dec 31, 2022 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Mar 31, 2022 10-Q ↗	Q2 FY2022 Mar 31, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Dec 31, 2020 10-Q ↗	Q2 FY2021 Dec 31, 2020 10-Q ↗	Q1 FY2021 Dec 31, 2020 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Dec 31, 2019 10-Q ↗	Q2 FY2020 Dec 31, 2019 10-Q ↗	Q1 FY2020 Dec 31, 2019 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Dec 31, 2018 10-Q ↗	Q2 FY2019 Dec 31, 2018 10-Q ↗	Q1 FY2019 Dec 31, 2018 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Dec 31, 2017 10-Q ↗	Q2 FY2018 Dec 31, 2017 10-Q ↗	Q1 FY2018 Dec 31, 2017 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q4 FY2015 Dec 31, 2015 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	$6.00M	—	—
Total Equity (USD)	$324.37M	$338.55M	$312.87M	$312.87M	$312.87M	$324.37M	$317.15M	$317.15M	$317.15M	$312.87M	$262.61M	$262.61M	$262.61M	$317.15M	$252.59M	$252.59M	$252.59M	$262.61M	$254.22M	$254.22M	$254.22M	$252.59M	$200.75M	$200.75M	$200.75M	$254.22M	$118.64M	$118.64M	$118.64M	$200.75M	$78.06M	$78.06M	$118.64M	$118.64M	$78.06M	$72.38M

📋 What is driving earnings? 4 metrics

Metric	Q1 FY2026 Dec 31, 2025 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Dec 31, 2024 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Dec 31, 2024 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Dec 31, 2023 10-Q ↗	Q2 FY2024 Dec 31, 2023 10-Q ↗	Q1 FY2024 Dec 31, 2023 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Dec 31, 2022 10-Q ↗	Q2 FY2023 Dec 31, 2022 10-Q ↗	Q1 FY2023 Dec 31, 2022 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Mar 31, 2022 10-Q ↗	Q2 FY2022 Mar 31, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Dec 31, 2020 10-Q ↗	Q2 FY2021 Dec 31, 2020 10-Q ↗	Q1 FY2021 Dec 31, 2020 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Dec 31, 2019 10-Q ↗	Q2 FY2020 Dec 31, 2019 10-Q ↗	Q1 FY2020 Dec 31, 2019 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Dec 31, 2018 10-Q ↗	Q2 FY2019 Dec 31, 2018 10-Q ↗	Q1 FY2019 Dec 31, 2018 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Dec 31, 2017 10-Q ↗	Q2 FY2018 Dec 31, 2017 10-Q ↗	Q1 FY2018 Dec 31, 2017 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q4 FY2015 Dec 31, 2015 10-K ↗
Sales/Revenue/Turnover (USD)	$24.32M	—	$25.61M	$23.78M	$24.47M	—	$26.46M	$25.37M	$26.82M	—	$27.11M	$23.35M	$26.75M	—	$21.75M	$20.23M	$20.32M	—	$20.83M	$22.25M	$22.61M	—	$19.87M	$18.56M	$16.98M	—	$14.65M	$14.68M	$14.14M	—	$13.07M	$11.27M	$7.22M	—	—	—
Depreciation Expense (USD)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	$425.00K	$472.00K	—	$297.00K	$261.00M	$301.00M	—	$227.00K	$227.00K	$231.00K	—	$225.00M	$182.00M	—	—	—	—
Net Income, GAAP (USD)	$5.70M	$6.44M	$6.02M	$5.60M	$5.88M	$2.58M	$6.63M	$7.21M	$7.19M	$11.32M	$6.97M	$3.91M	$6.49M	$8.48M	$4.53M	$4.53M	$4.53M	$11.51M	$2.82M	$2.82M	$2.82M	$995.00K	$4.94M	$4.94M	$4.94M	$5.44M	$4.07M	$4.07M	$4.07M	$8.39M	$3.18M	$1.50M	$1.42M	—	—	—
Operating Cash Flow (USD)	$9.28M	$9.46M	$9.62M	$7.67M	$5.08M	$7.96M	$2.60M	$11.60M	$8.19M	$7.05M	$12.26M	$8.65M	$2.85M	$34.22M	$-3.08M	$7.82M	$651.00K	$4.27M	$5.26M	$3.86M	$-2.96M	$4.62M	$3.21M	$2.62M	$-458.00K	$5.20M	$-1.53M	$-1.74M	$5.03M	$3.80M	$3.86M	$8.91M	$-10.32M	—	—	—

🏛️ Sector-Specific 2 metrics

Metric	Q1 FY2026 Dec 31, 2025 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Dec 31, 2024 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Dec 31, 2024 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Dec 31, 2023 10-Q ↗	Q2 FY2024 Dec 31, 2023 10-Q ↗	Q1 FY2024 Dec 31, 2023 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Dec 31, 2022 10-Q ↗	Q2 FY2023 Dec 31, 2022 10-Q ↗	Q1 FY2023 Dec 31, 2022 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Mar 31, 2022 10-Q ↗	Q2 FY2022 Mar 31, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Dec 31, 2020 10-Q ↗	Q2 FY2021 Dec 31, 2020 10-Q ↗	Q1 FY2021 Dec 31, 2020 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Dec 31, 2019 10-Q ↗	Q2 FY2020 Dec 31, 2019 10-Q ↗	Q1 FY2020 Dec 31, 2019 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Dec 31, 2018 10-Q ↗	Q2 FY2019 Dec 31, 2018 10-Q ↗	Q1 FY2019 Dec 31, 2018 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Dec 31, 2017 10-Q ↗	Q2 FY2018 Dec 31, 2017 10-Q ↗	Q1 FY2018 Dec 31, 2017 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q4 FY2015 Dec 31, 2015 10-K ↗
Net Interest Margin (approx.) (%)	3.5%	4.1%	3.4%	3.3%	3.4%	2.5%	3.9%	3.8%	4.0%	—	3.9%	3.7%	3.6%	6.9%	3.0%	3.0%	3.1%	—	3.5%	3.8%	3.7%	—	3.6%	3.2%	3.0%	—	3.5%	3.4%	3.4%	—	3.9%	3.1%	2.1%	—	—	—
Efficiency Ratio (%) (%)	65.7%	—	62.8%	67.3%	65.7%	—	62.4%	65.3%	61.6%	—	59.4%	65.1%	68.5%	—	63.8%	66.3%	69.3%	—	67.9%	60.8%	74.8%	—	58.7%	79.7%	57.4%	—	57.4%	59.0%	57.4%	—	59.4%	74.4%	64.3%	—	—	—

BayCom Corp

Analytical Summary

36-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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