BayCom Corp

BCMLNASDAQFinancial Services● Active

$31.77

$-0.01(-0.02%)

Market Cap$346533915

P/E Ratio—

52W High$33.15

52W Low$25.84

Avg Volume44K

Open$32.19

Beta0.29

Free Cash Flow Financials Revenue

BayCom Corp (BCML) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

BCML · free cash flow · updated Jun 8, 2026

Core FCF metrics

BCML · FCF · TTM · margin & CAGR

Free cash flow was $30.1M for FY2025 (fiscal year ending 2025-12-31), up 5.0% year-over-year The FCF margin was 21.2%. Five-year CAGR stands at +34.7%.

FY2025 Free Cash Flow$30.1M▲ +5.0% YoY

Trailing 12M (TTM)$27.5Mtrailing 4 quarters sum

FCF Margin21.2%$30.1M ÷ revenue

3-Year CAGR-8.1%FY2022 → FY2025

5-Year CAGR+34.7%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

BCML · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$31.8M(2M)$30.1M▲ +5.0%21.2%

FY2024$30.4M(2M)$28.7M▼ 0.1%20.8%

FY2023$30.8M(2M)$28.7M▼ 26.0%21.6%

FY2022$39.6M(1M)$38.8M▲ +325.1%34.9%

FY2021$10.4M(1M)$9.1M▲ +34.5%9.8%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

BCML · P/FCF · FCF yield · FCF per share

BayCom Corp (BCML) trades at a FCF yield of 7.91% and a price-to-free-cash-flow ratio of 12.6x. FCF per share stands at $2.52, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

7.91%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$2.52

TTM FCF ÷ Shares Outstanding

Price / FCF

x12.6

Share Price ÷ FCF per Share

EV / FCF (TTM)

x12.7

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

BCML · cash flow statement · operating / investing / financing

For FY2025, BayCom Corp generated $31.8M in operating cash flow and spent 2M in capital expenditures, yielding $30.1M in free cash flow.

Operating Activities

+$31.8M

Cash from core business operations

2025-12-31

Investing Activities

−$90.8M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

−$98.6M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($31.8M) − |CapEx| (2M) = FCF ($30.1M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

BCML vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

BayCom CorpYOU

BCML

$30.1M+5.0%21.2%

Berkshire Hathaway Inc.

BRK-A

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

BayCom Corp (BCML) reported free cash flow of $30.1M for FY2025 (fiscal year ending 2025-12-31), up 5.0% year-over-year. The FCF margin was 21.2%.

Based on available data, BayCom Corp has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $38.8M in FY2022. The 5-year CAGR stands at +34.7%.

BayCom Corp's FCF yield is 7.91% and price-to-FCF ratio is 12.6x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

BCML free cash flow · 8 questions

BayCom Corp free cash flow was $30.1M for FY2025, up 5.0% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $27.5M.

BCML free cash flowBCML FCFBCML FCF 2025BCML free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · BayCom Corp · BayCom Corp SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026