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BayCom Corp (BCML)

BayCom Corp (BCML)

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Cash Flow Overview

Change in Cash
-$128,523K
Free Cash flow
$4,525K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Increase (decrease) in nonintere...
    • Increase in other borrowings, ne...
    • Proceeds from maturities, repaym...
    • Others
Negative Cash Flow Breakdown
    • Increase (decrease) in time depo...
    • Purchase of loans
    • Decrease (increase) in loans, ne...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
-6,962
8,180
6,858
5,007
Provision for credit losses
5,241
-670
250
3,818
Deferred tax expense
-6,466
3,084
-1,998
694
(accretion) amortization on acquired loans
404
-562
59
173
Gain on sale of loans
89
123
17
-1
Proceeds from sale of loans originated for sale
1,173
1,637
251
0
Loans originated for sale
1,077
1,502
188
0
Amortization on junior subordinated debentures
14
241
969
61
Increase in cash surrender value of life insurance policies
199
194
191
194
Amortization of premiums on investment securities, net
-32
-18
-41
-38
(gain) loss on equity securities
95
58
-753
771
Depreciation and amortization
509
486
-417
1,494
Core deposit intangible amortization
113
114
200
242
Stock based compensation expense
1,166
188
178
173
Increase (decrease) in deferred loan origination fees, net
-3
-116
-10
29
Net change in interest receivable and other assets
1,004
2,675
-2,644
1,934
Increase (decrease) in salary continuation plan, net
-39
152
131
131
Net change in interest payable and other liabilities
12,406
-1,439
-695
-673
Net cash provided by operating activities
5,130
6,993
8,838
7,345
Proceeds from maturities of interest bearing deposits in banks
-
-
0
0
Purchase of investment securities afs
4,708
19,706
4,045
7,989
Proceeds from maturities, repayments and calls of investment securities afs
13,051
10,282
13,882
8,491
Purchase of fhlb stock
522
-
0
0
Purchase of frb stock
6
5
-1,935
4
Proceeds from sale of loans held for investment
7,739
919
2,436
-
Purchase of loans
63,379
3,169
6,383
3,989
Decrease (increase) in loans, net
11,486
-58,989
20,902
39,539
Purchase of equipment and leasehold improvements, net
605
302
-262
1,116
Net cash provided by (used in) investing activities
-59,916
47,008
-12,815
-44,146
Increase (decrease) in noninterest and interest bearing deposits in banks, net
30,716
31,811
-14,382
31,040
Increase (decrease) in time deposits, net
-126,188
19,939
-30
10,378
Repayment of junior subordinated debentures
0
3,093
0
64,685
Repurchase of common stock
-
-
813
909
Increase in other borrowings, net
25,000
-
-
-
Dividends paid on common stock
3,265
3,267
2,730
2,201
Net cash provided by (used in) financing activities
-73,737
45,390
-17,955
-26,377
Increase (decrease) in cash and cash equivalents
-128,523
99,391
-21,932
-63,178
Cash and cash equivalents at beginning of period
305,905
206,514
228,446
364,032
Cash and cash equivalents at end of period
177,382
305,905
206,514
228,446
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net change ininterest payable and...$12,406K (478.46%↑ Y/Y)Provision for creditlosses$5,241K (520.24%↑ Y/Y)Proceeds from sale ofloans originated for...$1,173K (-73.91%↓ Y/Y)Stock basedcompensation expense$1,166K (286.09%↑ Y/Y)Depreciation andamortization$509K (-47.31%↓ Y/Y)(accretion) amortization onacquired loans$404K (5671.43%↑ Y/Y)Core depositintangible amortization$113K (-77.67%↓ Y/Y)Amortization of premiums oninvestment securities, net-$32K (43.86%↑ Y/Y)Amortization on juniorsubordinated debentures$14K Increase (decrease) indeferred loan...-$3K (-100.63%↓ Y/Y)Net cash provided byoperating activities$5,130K (-67.22%↓ Y/Y)Canceled cashflow$15,931K Increase (decrease) incash and cash...-$128,523K (-77.50%↓ Y/Y)Canceled cashflow$5,130K Increase (decrease) innoninterest and interest...$30,716K (164.25%↑ Y/Y)Increase in otherborrowings, net$25,000K Proceeds frommaturities, repayments and...$13,051K (-19.44%↓ Y/Y)Proceeds from sale ofloans held for...$7,739K Net income-$6,962K (-157.70%↓ Y/Y)Deferred tax expense-$6,466K (-907.24%↓ Y/Y)Loans originated forsale$1,077K (-68.06%↓ Y/Y)Net change ininterest receivable and...$1,004K (134.09%↑ Y/Y)Increase in cashsurrender value of life...$199K (-47.21%↓ Y/Y)(gain) loss on equitysecurities$95K (138.31%↑ Y/Y)Gain on sale of loans$89K (-64.68%↓ Y/Y)Increase (decrease) insalary continuation...-$39K (-131.71%↓ Y/Y)Net cash provided by(used in) financing...-$73,737K (-35.97%↓ Y/Y)Net cash provided by(used in) investing...-$59,916K (-77.14%↓ Y/Y)Canceled cashflow$55,716K Canceled cashflow$20,790K Increase (decrease) intime deposits, net-$126,188K (-29310.19%↓ Y/Y)Purchase of loans$63,379K (207.01%↑ Y/Y)Dividends paid on commonstock$3,265K (95.63%↑ Y/Y)Decrease (increase) inloans, net$11,486K (-53.95%↓ Y/Y)Purchase of investmentsecurities afs$4,708K (31.51%↑ Y/Y)Purchase of equipment andleasehold improvements,...$605K (-32.17%↓ Y/Y)Purchase of fhlb stock$522K (147.39%↑ Y/Y)Purchase of frb stock$6K (-25.00%↓ Y/Y)