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Baycom Corp key statistics and ratios

In fiscal 2025, Baycom Corp had return on equity of 7.2% and a net margin of 23.8%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2016Dec 20162017Dec 20172018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin21.2%11.8%24.6%22.4%15.8%24.6%23.1%26.2%24.2%23.8%12.6%
Return on equity7.6%5.3%9.1%7.6%5.4%8.0%8.2%8.7%7.4%7.2%3.9%
Return on assets—0.4%1.1%1.0%0.7%0.9%1.0%1.1%0.9%0.9%0.5%
Effective tax rate——29.3%26.9%24.7%27.3%26.8%28.1%26.5%26.6%34.4%
Dividends ÷ net income——0.0%0.0%0.0%—8.5%13.3%14.3%27.6%87.6%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

63 /100

Moderate moat

How hard Baycom's competitive advantage looks for rivals to wear away, judged from 9 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 8 / 20

    Net income has been a median 0.8% of total assets over 9 years.

  • Durability 15 / 20

    Net margin has been a median 21.3%; its worst year was 12.6%.

  • Discipline 18 / 20

    The diluted share count fell 4.4% over five years; stock-based pay has been a median 1.5% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (68 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

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More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from Baycom Corp's SEC filings (10-K and 10-Q), retrieved October 31, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Baycom Corp.