Estados financieros detallados de BayCom Corp (BCML): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
BayCom Corp registró ingresos de $141.8M en el último ejercicio fiscal, con un CAGR de 5 años del 8.2%. El beneficio neto alcanzó $23.9M, con un CAGR a 5 años del 11.8%.
Márgenes de los últimos 12 meses: margen bruto 67.4%, margen operativo 13.9%, margen neto 9.2%. El flujo de caja libre creció a un CAGR del 34.7% en 5 años.
Al precio actual de $30.03, BCML cotiza a un P/E de 25.06 y un ROE del 3.87%. La capitalización bursátil es de $328M.
Cuenta de Resultados (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Ingresos | $31.0M | $48.8M | $64.0M | $85.5M | $95.6M | $92.8M | $111.2M | $132.9M | $137.7M | $141.8M |
| Coste de Ventas | $3.7M | $4.8M | $6.8M | $11.0M | $19.2M | $9.3M | $14.8M | $30.5M | $41.8M | $44.8M |
| Beneficio Bruto | $27.4M | $44.0M | $57.2M | $74.6M | $76.4M | $83.5M | $96.5M | $102.4M | $95.9M | $97.1M |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $12.0M | $19.4M | $24.3M | $32.4M | $35.6M | $35.6M | $42.8M | $43.6M | $41.5M | $46.3M |
| Gastos Operativos | $17.0M | $29.9M | $36.7M | $50.9M | $58.2M | $55.0M | $64.0M | $64.3M | $63.8M | $64.2M |
| Beneficio Operativo | $10.3M | $14.1M | $20.5M | $23.7M | $18.2M | $28.5M | $32.4M | $38.2M | $32.1M | $32.9M |
| EBITDA | $11.2M | $15.8M | $22.6M | $26.5M | $21.9M | $32.3M | $36.5M | $41.1M | $35.4M | $36.1M |
| Gastos por Intereses | $3.1M | $4.3M | $4.9M | $8.7M | $8.9M | $8.8M | $10.4M | $28.5M | $40.6M | $40.9M |
| Beneficio Antes de Impuestos | $10.3M | $14.1M | $20.5M | $23.7M | $18.2M | $28.5M | $32.4M | $38.2M | $32.1M | $32.6M |
| Impuestos | $4.4M | $8.9M | $6.0M | $6.4M | $4.5M | $7.8M | $8.7M | $10.7M | $8.5M | $8.7M |
| Beneficio Neto | $5.9M | $5.3M | $14.5M | $17.3M | $13.7M | $20.7M | $23.7M | $27.4M | $23.6M | $23.9M |
| BPA | $1.10 | $0.81 | $1.50 | $1.37 | $1.15 | $1.90 | $1.81 | $2.27 | $2.10 | $2.18 |
| BPA Diluido | $1.09 | $0.81 | $1.50 | $1.37 | $1.15 | $1.90 | $1.81 | $2.27 | $2.10 | $2.18 |
| Acciones en Circulación (Diluidas) | $5.4M | $6.5M | $9.7M | $12.6M | $12.0M | $10.9M | $13.1M | $12.1M | $11.3M | $10.9M |
Cuenta de Resultados (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Ingresos | $37.5M | $35.6M | $36.1M | $33.7M |
| Beneficio Bruto | $23.0M | $26.0M | $27.4M | $20.0M |
| Beneficio Operativo | $6.7M | $9.5M | $10.9M | -$7.2M |
| EBITDA | $8.5M | $9.3M | $11.5M | -$7.2M |
| Beneficio Neto | $5.0M | $6.9M | $8.2M | -$7.0M |
| BPA | $0.46 | $0.63 | $0.75 | $-0.64 |
| BPA Diluido | $0.46 | $0.63 | $0.75 | $-0.64 |
Balance (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caja y Equivalentes | $7.2M | $16.5M | $24.8M | $25.2M | $37.4M | $24.8M | $29.2M | $19.1M | $23.4M | $26.8M |
| Inversiones a Corto | $13.9M | $40.5M | $99.8M | $119.9M | $115.6M | $155.7M | $154.0M | $6.3M | $2.0M | $179.7M |
| Cuentas por Cobrar | $13.8M | $3.0M | $3.7M | $11.4M | $15.9M | $16.5M | $30.4M | $31.9M | $28.6M | $8.3M |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $34.9M | $62.4M | $130.5M | $157.7M | $170.5M | $198.5M | $215.2M | $59.4M | $55.9M | $206.5M |
| Inmovilizado Material | $1.1M | $8.4M | $11.2M | $25.8M | $27.2M | $26.5M | $29.8M | $27.7M | $26.8M | $25.9M |
| Fondo de Comercio | 0 | $10.4M | $14.6M | $35.5M | $38.8M | $38.8M | $38.8M | $38.8M | $38.8M | $38.8M |
| Activos Intangibles | $802436 | $4.8M | $7.2M | $9.2M | $8.3M | $6.5M | $5.2M | $3.9M | $2.7M | $1.7M |
| Activos Totales | $675.3M | $1.25B | $1.48B | $1.99B | $2.20B | $2.35B | $2.51B | $2.55B | $2.66B | $2.59B |
| Cuentas por Pagar | $3.3M | $7.4M | $8.4M | $11.3M | $11.6M | $13.9M | $16.5M | 0 | 0 | 0 |
| Deuda a Corto | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Pasivos Corrientes | $594.1M | $1.11B | $1.27B | $1.71B | $1.85B | $2.00B | $2.10B | $2.13B | $2.23B | $3.8M |
| Deuda a Largo | 0 | $11.4M | $8.2M | $8.2M | $76.7M | $71.9M | $72.2M | $72.4M | $72.4M | $8.7M |
| Pasivos Totales | $597.2M | $1.13B | $1.28B | $1.74B | $1.94B | $2.09B | $2.20B | $2.24B | $2.34B | $2.26B |
| Reservas | $31.6M | $36.8M | $51.3M | $68.6M | $82.4M | $103.1M | $124.1M | $146.3M | $164.8M | $178.9M |
| Patrimonio Neto | $78.1M | $118.6M | $200.8M | $254.2M | $252.6M | $262.6M | $317.1M | $312.9M | $324.4M | $338.6M |
| Deuda Total | 0 | $11.4M | $8.2M | $23.8M | $89.0M | $84.6M | $89.3M | $87.2M | $86.8M | $22.4M |
| Deuda Neta | -$21.1M | -$45.6M | -$116.5M | -$121.3M | -$64.0M | -$95.8M | -$93.9M | $61.7M | $61.4M | -$184.1M |
| Capital Circulante | -$559.1M | -$1.05B | -$1.14B | -$1.55B | -$1.68B | -$1.80B | -$1.89B | -$2.07B | -$2.18B | $202.8M |
Balance (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caja y Equivalentes | $21.7M | $26.8M | $18.6M | $21.8M |
| Activos Totales | $2.60B | $2.59B | $2.65B | $2.58B |
| Pasivos Totales | $2.27B | $2.26B | $2.30B | $2.24B |
| Patrimonio Neto | $334.3M | $338.6M | $344.0M | $335.4M |
| Deuda Total | $23.2M | $22.4M | $20.4M | $46.6M |
Flujo de Caja (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Beneficio Neto | $5.9M | $5.3M | $14.5M | $17.3M | $13.7M | $20.7M | $23.7M | $27.4M | $23.6M | $23.9M |
| Amortizaciones | $896000 | $1.6M | $2.1M | $2.8M | $3.7M | $3.9M | $4.0M | $3.0M | $3.3M | $3.0M |
| Compensación en Acciones | $334000 | $423000 | $1.2M | $1.2M | $1.5M | $1.4M | $1.0M | $726000 | $588000 | $653000 |
| Cambio en Capital Circulante | -$1.6M | $3.9M | -$1.3M | $3.1M | -$1.7M | -$2.0M | -$905000 | -$4.9M | $276000 | -$1.9M |
| Flujo de Caja Operativo | $6.3M | $9.3M | $6.2M | $7.0M | $10.0M | $10.4M | $39.6M | $30.8M | $30.4M | $31.8M |
| Inversiones (CapEx) | -$214000 | -$368000 | -$1.0M | -$1.4M | -$3.2M | -$1.3M | -$843000 | -$2.1M | -$1.7M | -$1.7M |
| Adquisiciones | 0 | $85.0M | -$13.0M | $32.6M | -$8.4M | 0 | $18.4M | 0 | 0 | 0 |
| Recompra de Acciones | -$901000 | -$24000 | 0 | -$11.0M | -$18.3M | -$11.6M | -$18.0M | -$24.1M | -$9.2M | -$6.9M |
| Dividendos Pagados | 0 | 0 | 0 | 0 | 0 | 0 | -$2.0M | -$3.6M | -$3.4M | -$6.6M |
| Flujo de Caja Libre | $6.1M | $9.0M | $5.2M | $5.6M | $6.8M | $9.1M | $38.8M | $28.7M | $28.7M | $30.1M |
Flujo de Caja (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Flujo de Caja Operativo | $7.3M | $8.8M | $7.0M | $5.1M |
| Inversiones (CapEx) | -$1.1M | $262000 | -$302000 | -$605000 |
| Flujo de Caja Libre | $6.2M | $9.1M | $6.7M | $4.5M |
| Dividendos Pagados | -$2.2M | -$2.7M | -$3.3M | -$3.3M |
| Compensación en Acciones | -$302000 | $178000 | $188000 | $1.2M |
Crecimiento y Márgenes (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crecimiento Ingresos (anual) | | +57.2% | +31.1% | +33.6% | +11.8% | -3.0% | +19.9% | +19.5% | +3.6% | +3.0% |
| Crecimiento Beneficio Neto (anual) | | -11.0% | +175.5% | +19.5% | -20.7% | +50.7% | +14.7% | +15.6% | -13.9% | +1.3% |
| Crecimiento BPA (anual) | | -26.4% | +85.2% | -8.7% | -16.1% | +65.2% | -4.7% | +25.4% | -7.5% | +3.8% |
| Cambio en Acciones (anual) | | +19.6% | +48.6% | +30.3% | -5.3% | -9.1% | +20.6% | -8.0% | -6.7% | -3.2% |
| Crecimiento FCF (anual) | | +46.8% | -41.7% | +6.4% | +22.0% | +34.5% | +325.1% | -26.0% | -0.1% | +5.0% |
| Margen Bruto | 88.2% | 90.2% | 89.4% | 87.2% | 79.9% | 90.0% | 86.7% | 77.1% | 69.6% | 68.4% |
| Margen Operativo | 33.3% | 29.0% | 32.0% | 27.7% | 19.1% | 30.7% | 29.2% | 28.7% | 23.3% | 23.2% |
| Margen EBITDA | 36.2% | 32.3% | 35.3% | 31.0% | 22.9% | 34.8% | 32.8% | 30.9% | 25.7% | 25.4% |
| Margen Neto | 19.0% | 10.8% | 22.6% | 20.2% | 14.4% | 22.3% | 21.3% | 20.6% | 17.1% | 16.9% |
| Margen FCF | 19.7% | 18.4% | 8.2% | 6.5% | 7.1% | 9.8% | 34.8% | 21.6% | 20.8% | 21.2% |
| Tasa Impositiva Efectiva | 42.9% | 62.8% | 29.3% | 26.9% | 24.7% | 27.3% | 26.8% | 28.1% | 26.5% | 26.6% |
Datos por Acción (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Acción | $1.12 | $1.37 | $0.54 | $0.44 | $0.57 | $0.84 | $2.95 | $2.38 | $2.54 | $2.76 |
| Dividendo por Acción | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.15 | $0.30 | $0.30 | $0.61 |
| Acciones en Circulación (Básicas) | $5.4M | $6.5M | $9.7M | $12.6M | $12.0M | $10.9M | $13.1M | $12.1M | $11.3M | $10.9M |
Qué mirar en empresas de Financial Services
- Efficiency Ratio (≤55%) — Gastos operativos / ingresos. Bancos top por debajo del 55%.
- ROA (≥1%) — Cuánto ganan por cada euro de activos. En banca el ROE engaña por el apalancamiento.
- ROTCE (≥12%) — Rentabilidad sobre Capital Tangible. Descuenta goodwill e intangibles.
- Capital / Activos (proxy Tier 1) (≥8%) — Proxy del ratio de capital. FMP no expone Tier 1 regulatorio directo.
- P/B (1,0-1,5x) — Métrica clásica bancaria. <1x puede ser oportunidad o distress.
- Rentabilidad por dividendo sostenible (≥2%, <8%) — Bancos UE pagan 5-7% sin estrés. >8% es señal de distress.
Rentabilidad
| Rentabilidad sobre capital | 3.87% |
| Rentabilidad sobre capital invertido | 0.51% |
| Rentabilidad sobre activos | 0.51% |
| Margen bruto | 67.43% |
| Margen operativo | 13.95% |
| Margen neto | 9.15% |
Salud financiera
| Deuda / Patrimonio | 0.14 |
| Ratio corriente | 10.96 |
Ratios Clave (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/E | 13.51 | 24.01 | 15.39 | 16.60 | 13.19 | 9.87 | 10.49 | 10.39 | 12.78 | 13.49 |
| P/VC | 1.04 | 1.07 | 1.11 | 1.13 | 0.72 | 0.78 | 0.79 | 0.91 | 0.93 | 0.95 |
| P/V | 2.60 | 2.60 | 3.50 | 3.36 | 1.90 | 2.20 | 2.24 | 2.14 | 2.20 | 2.26 |
| Margen Bruto | 88.2% | 90.2% | 89.4% | 87.2% | 79.9% | 90.0% | 86.7% | 77.1% | 69.6% | 68.4% |
| Margen Operativo | 33.3% | 29.0% | 32.0% | 27.7% | 19.1% | 30.7% | 29.2% | 28.7% | 23.3% | 23.2% |
| Margen Neto | 19.0% | 10.8% | 22.6% | 20.2% | 14.4% | 22.3% | 21.3% | 20.6% | 17.1% | 16.9% |