For the quarter ending 2026-03-31, BCML had $99,391K increase in cash & cash equivalents over the period. $6,691K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Provision for credit losses | - | 250 | 2,973 | 845 |
| Net income | 8,180 | 6,858 | 5,007 | 12,066 |
| (reversal of) provision for credit losses | -670 | - | - | - |
| Deferred tax expense | 3,084 | -1,998 | 694 | 801 |
| (accretion) amortization on acquired loans | -562 | 59 | 173 | 7 |
| Gain on sale of loans | 123 | 17 | -1 | 252 |
| Proceeds from sale of loans originated for sale | 1,637 | 251 | 0 | 4,496 |
| Loans originated for sale | 1,502 | 188 | 0 | 3,372 |
| Amortization on junior subordinated debentures | 241 | 969 | 20 | 41 |
| Increase in cash surrender value of life insurance policies | 194 | 191 | 194 | 377 |
| Amortization/accretion of premiums/discounts on investment securities, net | -18 | -41 | -38 | -57 |
| (gain) loss on equity securities | 58 | -753 | 771 | -248 |
| Depreciation and amortization | 486 | -417 | 1,494 | 966 |
| Core deposit intangible amortization | 114 | 200 | 242 | 506 |
| Stock based compensation expense | 188 | 178 | 173 | 302 |
| Increase (decrease) in deferred loan origination fees, net | -116 | -10 | 29 | 476 |
| Net change in interest receivable and other assets | 2,675 | -2,644 | 1,934 | -2,945 |
| Increase (decrease) in salary continuation plan, net | 152 | 131 | 131 | 123 |
| Net change in interest payable and other liabilities | -1,439 | -695 | -673 | -3,278 |
| Net cash provided by operating activities | 6,993 | 8,838 | 7,345 | 15,648 |
| Proceeds from maturities of interest bearing deposits in banks | - | 0 | 0 | 249 |
| Purchase of investment securities afs | 19,706 | 4,045 | 7,989 | 3,580 |
| Proceeds from maturities, repayments and calls of investment securities afs | 10,282 | 13,882 | 8,491 | 16,201 |
| Purchase of fhlb stock | - | 0 | 0 | 211 |
| Purchase of frb stock | 5 | -1,935 | 4 | 8 |
| Proceeds from sale of loans held for investment | 919 | 2,436 | - | - |
| Purchase of loans | 3,169 | 6,383 | 3,989 | 20,644 |
| Decrease (increase) in loans, net | -58,989 | 20,902 | 39,539 | 24,940 |
| Purchase of equipment and leasehold improvements, net | 302 | -262 | 1,116 | 892 |
| Net cash provided by (used in) investing activities | 47,008 | -12,815 | -44,146 | -33,825 |
| Repurchase of common stock | - | 813 | 909 | 5,187 |
| Increase (decrease) in noninterest and interest bearing deposits in banks, net | 31,811 | -14,382 | 31,040 | -47,807 |
| Increase (decrease) in time deposits, net | 19,939 | -30 | 10,378 | 432 |
| Repayment of junior subordinated debentures | 3,093 | 0 | 64,685 | - |
| Dividends paid on common stock | 3,267 | 2,730 | 2,201 | 1,669 |
| Net cash provided by (used in) financing activities | 45,390 | -17,955 | -26,377 | -54,231 |
| Increase (decrease) in cash and cash equivalents | 99,391 | -21,932 | -63,178 | -72,408 |
| Cash and cash equivalents at beginning of period | 206,514 | 228,446 | 364,032 | - |
| Cash and cash equivalents at end of period | 305,905 | 206,514 | 228,446 | - |
BayCom Corp (BCML)
BayCom Corp (BCML)