Overview

* BayCom ( BCML ) Q3 net income of $5.0 mln misses analyst expectations

* Net income decreased 21.3% from Q2 2025 due to higher credit loss provisions

* Company repurchased 33,300 shares at $27.29 average cost in Q3 2025

Outlook

* BayCom ( BCML ) expects stable credit quality and improving earnings performance despite economic uncertainties

* Company remains committed to strategic share repurchases and cash dividends

Result Drivers

* CREDIT LOSS PROVISION - Increased provisions for credit losses impacted net income negatively

* INTEREST INCOME - Higher loan yields and balances drove increase in net interest income

* BALANCE SHEET ACTIONS - Repayment of subordinated debt and increased loan loss reserves incurred one-time costs

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q3 Net Miss $5 mln $5.20

Income mln (2

Analysts

)

Q3 Net $23.40

Interest mln

Income

Q3 Loan $2.97

Loss mln

Provisio

n

Analyst Coverage

* The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 2 "strong buy" or "buy", 1 "hold" and no "sell" or "strong sell"

* The average consensus recommendation for the banks peer group is "buy"

* Wall Street's median 12-month price target for BayCom Corp ( BCML ) is $31.00, about 10.7% above its October 21 closing price of $27.69

* The stock recently traded at 11 times the next 12-month earnings vs. a P/E of 12 three months ago

Press Release:

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)