BCML BayCom Corp - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 10, 2026
$31.19
· of 52w range
· above low
· to high
$26.7852w low
$34.9852w high
Market Cap (MRQ)
$340M
P/E
14.3
EPS
$2.18
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52W Range
$27–$35
Analyst Rating
HOLD
Price Target
$33
P/E
14.3
ROE
7.1%
Net Profit Margin
23.8%
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BCML Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$31.19
Market Cap (MRQ)
$340M
P/E
14.3
EPS
$2.18
Div Yield
1.9%
ROE
7.1%
52W Range
$27–$35
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10-Year Performance Revenue, net income, margins and EPS trends
EPS$2.182016-12-31 → 2025-12-31
Free Cash Flow$30M2021-12-31 → 2025-12-31
Net margin23.8%2018-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | BCML | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 14.35Y avg ≈11.4 | ≈11.4 | 11.7 | Overvalued | |
| P/B (MRQ) | 1.05Y avg ≈0.9 | ≈0.9 | 1.1 | Fair value | |
| Price / FCF (TTM) | 12.85Y avg ≈13.1 | ≈13.1 | · | · | |
| Price / Cash Flow (TTM) | 12.05Y avg ≈12.0 | ≈12.0 | 8.7 | Overvalued | |
| Price / Tangible Book (MRQ) | 1.05Y avg ≈1.0 | ≈1.0 | · | · | |
| PEG Ratio | ≈1.1 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | BCML | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin | 32.4%5Y avg ≈33.4% | ≈33.4% | 34.8% | Weak | |
| Net Profit Margin | 23.8%5Y avg ≈24.4% | ≈24.4% | 29.5% | Weak | |
| ROA | 0.91%5Y avg ≈0.95% | ≈0.95% | 0.98% | Weak | |
| ROE | 7.1%5Y avg ≈7.8% | ≈7.8% | 8.2% | Weak |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | BCML | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 3.1%5Y avg ≈3.4% | ≈3.4% | · | · | |
| Revenue CAGR 3Y | -0.74%5Y avg ≈3.6% | ≈3.6% | · | · | |
| Revenue CAGR 5Y | 2.9% | · | · | · | |
| EPS YoY | 3.8%5Y avg ≈16.4% | ≈16.4% | · | · | |
| Net Income YoY | 1.3%5Y avg ≈13.7% | ≈13.7% | · | · | |
| EPS CAGR 3Y | 6.4%5Y avg ≈11.7% | ≈11.7% | · | · | |
| EPS CAGR 5Y | 13.7% | · | · | · | |
| Net Income CAGR 3Y | 0.28%5Y avg ≈10.2% | ≈10.2% | · | · | |
| Net Income CAGR 5Y | 11.8% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | BCML | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | In line |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield1.9%
Payout Ratio27.6%
Annualized Payout≈$1.20
Growth Streak≈2
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Sep 10, 2026 | $0.30 | USD | ≈4.0% |
| Jun 11, 2026 | $0.30 | USD | ≈3.6% |
| Mar 12, 2026 | $0.30 | USD | ≈4.2% |
| Dec 11, 2025 | $0.30 | USD | ≈2.9% |
| Sep 11, 2025 | $0.25 | USD | ≈2.5% |
| Jun 12, 2025 | $0.20 | USD | ≈2.2% |
| Mar 13, 2025 | $0.15 | USD | ≈2.1% |
| Dec 12, 2024 | $0.15 | USD | ≈1.6% |
| Sep 19, 2024 | $0.10 | USD | ≈1.6% |
| Jun 13, 2024 | $0.10 | USD | ≈2.1% |
| Mar 14, 2024 | $0.10 | USD | ≈2.0% |
| Dec 13, 2023 | $0.10 | USD | ≈2.0% |
| Sep 14, 2023 | $0.10 | USD | ≈2.1% |
| Jun 15, 2023 | $0.10 | USD | ≈1.8% |
| Mar 9, 2023 | $0.10 | USD | ≈1.3% |
| Dec 15, 2022 | $0.05 | USD | ≈1.1% |
| Sep 15, 2022 | $0.05 | USD | ≈0.80% |
| Jun 16, 2022 | $0.05 | USD | ≈0.47% |
| Mar 10, 2022 | $0.05 | USD | ≈0.22% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-40.8%
Next Report
Oct 15, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 16, 2026 | $-0.64 | $0.43 | -249.4% |
| March 31, 2026 | $0.75 | $0.61 | 22.5% | |
| Dec. 31, 2025 | $0.63 | $0.66 | -5.0% | |
| Sept. 30, 2025 | $0.46 | $0.53 | -12.7% | |
| June 30, 2025 | $0.58 | $0.56 | 2.8% | |
| March 31, 2025 | $0.51 | $0.53 | -3.2% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | $41M | $28M | $10M | $9M | $9M | $9M | $5M | $4M | $3M | |
| Interest Income | $135M | $132M | $126M | $107M | $82M | $87M | $77M | $57M | $44M | $30M | |
| Pretax Income | $33M | $32M | $38M | $32M | $28M | $18M | $24M | $20M | · | · | |
| Income Tax | $9M | $9M | $11M | $9M | $8M | $5M | $6M | $6M | $9M | $4M | |
| Net Income | $24M | $24M | $27M | $24M | $21M | $14M | $17M | $14M | $5M | $6M | |
| EPS (Basic) | $2.18 | $2.10 | $2.27 | $1.81 | $1.90 | $1.15 | $1.47 | $1.50 | $0.81 | $1.10 | |
| EPS (Diluted) | $2.18 | $2.10 | $2.27 | $1.81 | $1.90 | $1.15 | $1.47 | $1.50 | $0.81 | $1.09 | |
| Shares (Basic) | 10,990,547 | 11,262,409 | 12,074,198 | 13,124,179 | 10,882,344 | 11,965,245 | 11,759,334 | 9,692,009 | 6,520,230 | 5,441,085 | |
| Shares (Diluted) | 10,990,547 | 11,262,409 | 12,074,198 | 13,124,179 | 10,882,344 | 11,965,245 | 11,759,334 | 9,692,009 | 6,520,230 | 5,449,998 | |
| EBITDA | · | · | · | · | · | · | $1M | $935M | · | · |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | · | · | · | · | · | · | $295M | $324M | $250M | $129M | |
| PP&E (Net) | $13M | $13M | $14M | $13M | $14M | $15M | $11M | $11M | $8M | · | |
| Accum. Depreciation | $13M | $12M | $9M | $7M | $5M | $6M | $5M | $4M | $3M | · | |
| Goodwill | $39M | $39M | $39M | $39M | $39M | $39M | $35M | $15M | $15M | $0 | |
| Intangibles | $2M | $3M | $4M | $5M | $6M | $8M | $9M | $9M | $7M | $802.0K | |
| Total Assets | $2.59B | $2.66B | $2.55B | $2.51B | $2.35B | $2.20B | $1.99B | $1.48B | $1.25B | · | |
| Total Liabilities | $2.26B | $2.34B | $2.24B | $2.20B | $2.09B | $1.94B | $1.74B | $1.28B | $1.13B | · | |
| Long-term Debt | · | · | · | · | · | · | · | $0 | $6M | · | |
| Common Stock | $166M | $172M | $181M | $204M | $157M | $167M | $184M | $149M | $81M | · | |
| Paid-in Capital | · | · | · | · | · | · | $287.0K | $287.0K | $287.0K | · | |
| Retained Earnings | $179M | $165M | $146M | $124M | $103M | $82M | $69M | $51M | $37M | · | |
| AOCI | $-7M | $-13M | $-15M | $-12M | $2M | $3M | $1M | $-103.0K | $213.0K | · | |
| Stockholders' Equity | $339M | $324M | $313M | $317M | $263M | $253M | $254M | $201M | $119M | $78M | |
| Liabilities + Equity | $2.59B | $2.66B | $2.55B | $2.51B | $2.35B | $2.20B | $1.99B | $1.48B | $1.25B | · | |
| Shares Outstanding | 10,887,681 | 11,121,475 | 11,551,271 | 12,838,462 | 10,680,386 | 11,295,397 | 12,444,632 | 10,869,275 | 7,496,995 | · |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | · | · | · | · | · | · | $301M | $935.0K | $762.0K | $498M | |
| Stock-based Comp | $653.0K | $588.0K | $726.0K | $1M | $1M | $1M | $1M | $1M | $423.0K | $334.0K | |
| Deferred Tax | $-503.0K | $801.0K | $1.0K | $-920.0K | $95.0K | $-2M | $-1M | $540.0K | · | · | |
| Amort. of Intangibles | $948.0K | $1M | $1M | $2M | $2M | $2M | $2M | $1M | $850.0K | $398.0K | |
| Other Non-cash | · | · | · | · | · | · | $-13M | $-944M | · | · | |
| Operating Cash Flow | $32M | $30M | $31M | $40M | $10M | $10M | $7M | $6M | $9M | $6M | |
| CapEx | $2M | $2M | $2M | $843.0K | $1M | $3M | $1M | · | · | · | |
| Investing Cash Flow | $-91M | $-62M | $80M | $54M | $-60M | $-74M | $927.0K | $-11M | $90M | $-33M | |
| Stock Repurchased | $7M | $9M | $24M | $18M | $12M | $18M | $11M | $0 | $24.0K | $901.0K | |
| Net Stock Activity | $-7M | $-9M | $-24M | $-18M | $-12M | $-18M | $-11M | $0 | · | · | |
| Dividends Paid | $7M | $3M | $4M | $2M | · | $0 | $0 | $0 | · | · | |
| Financing Cash Flow | $-99M | $88M | $20M | $-296M | $130M | $68M | $-36M | $79M | $21M | $47M | |
| Net Change in Cash | · | · | · | · | · | · | · | $74M | $121M | $21M | |
| Taxes Paid | $9M | $7M | $12M | $8M | $7M | $8M | $5M | $5M | · | · | |
| Free Cash Flow | $30M | $29M | $29M | $39M | $9M | · | · | · | · | · | |
| Levered FCF | · | $-1M | $8M | $31M | $3M | · | · | · | · | · |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 23.8% | 24.2% | 26.2% | 23.1% | 24.6% | 15.8% | 22.4% | 24.6% | · | · | |
| Pretax Margin | 32.4% | 32.9% | 36.4% | 31.6% | 33.9% | 20.9% | · | · | · | · | |
| EBITDA Margin | · | · | · | · | · | · | 1.6% | 1584.8% | · | · | |
| ROA | 0.91% | 0.91% | 1.1% | · | 0.91% | 0.66% | 1.0% | 1.1% | · | · | |
| ROE | 7.1% | 7.3% | 8.8% | · | 8.0% | 5.4% | 7.0% | 7.3% | · | · |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | 0.0 | · | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $31.10 | $29.17 | $27.09 | · | $24.59 | $22.36 | $20.43 | $18.47 | · | · | |
| Revenue / Share | $9.15 | $8.66 | $8.68 | $7.83 | $7.73 | $7.28 | $6.58 | $6.09 | · | · | |
| Cash Flow / Share | $2.90 | $2.70 | $2.55 | $3.02 | $0.96 | $0.84 | $0.59 | $0.64 | · | · | |
| Cash / Share | · | · | · | · | · | · | $23.74 | $29.77 | · | · | |
| Dividend / Share | $0.90 | $0.45 | $0.40 | $0.20 | · | · | · | · | · | · | |
| EPS (TTM) | $2.18 | $2.10 | $2.27 | $1.81 | $1.90 | $1.15 | $1.47 | $1.50 | · | · |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 3.1% | -7.0% | 2.0% | 22.3% | -3.4% | · | · | · | · | · | |
| Revenue CAGR 3Y | -0.74% | 5.1% | 6.4% | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 2.9% | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 3.8% | -7.5% | 25.4% | -4.7% | 65.2% | · | · | · | · | · | |
| EPS CAGR 3Y | 6.4% | 3.4% | 25.4% | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 13.7% | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 1.3% | -13.9% | 15.6% | 14.7% | 50.7% | · | · | · | · | · | |
| Net Income CAGR 3Y | 0.28% | 4.5% | 25.9% | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 11.8% | · | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income TTM | $24M | $24M | $27M | $24M | $21M | $14M | $17M | $14M | · | · | |
| Market Cap | $320M | $299M | $272M | · | $200M | $171M | $283M | $251M | · | · | |
| P/E | 13.5 | 12.8 | 10.4 | 10.5 | 9.9 | 13.2 | 15.5 | 15.4 | · | · | |
| P/B | 0.9 | 0.9 | 0.9 | · | 0.8 | 0.7 | 1.1 | 1.3 | · | · | |
| P / Tangible Book | 1.1 | 1.1 | 1.0 | 0.9 | 0.9 | 0.8 | · | · | · | · | |
| P / Cash Flow | 10.1 | 9.8 | 8.8 | · | 19.2 | 17.1 | 40.7 | 40.2 | · | · | |
| P / FCF | 10.6 | 10.4 | 9.5 | · | 22.0 | · | · | · | · | · | |
| Dividend Yield | 2.1% | 1.1% | 1.3% | · | · | 0.00% | 0.00% | 0.00% | · | · | |
| Earnings Yield | 7.4% | 7.8% | 9.6% | 9.5% | 10.1% | 7.6% | 6.5% | 6.5% | · | · | |
| Payout Ratio | 27.6% | 14.3% | 13.3% | 8.5% | · | 0.00% | · | · | · | · | |
| Annual Payout | $7M | $3M | $4M | $2M | · | $0 | $0 | $0 | · | · |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | · | · | · | · | · | · | · | · | · | · | · | · | · | $885.0K | · | $817.0K | |
| Interest Expense | · | · | · | · | · | $10M | · | $11M | $10M | $9M | · | $8M | $7M | $5M | $3M | $2M | |
| Interest Income | $32M | $35M | $34M | $35M | $33M | $33M | $34M | $33M | $32M | $32M | $32M | $33M | $31M | $30M | $30M | $27M | |
| Pretax Income | $-7M | $11M | $9M | $7M | $9M | $8M | $8M | $8M | $8M | $8M | $9M | $9M | $10M | $10M | $10M | $10M | |
| Income Tax | $-223.0K | $3M | $3M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $3M | $3M | $3M | $3M | $3M | |
| Net Income | $-7M | $8M | $7M | $5M | $6M | $6M | $6M | $6M | $6M | $6M | $6M | $7M | $7M | $7M | $8M | $7M | |
| EPS (Basic) | $-0.64 | $0.75 | $0.63 | $0.46 | $0.58 | $0.51 | $0.55 | $0.54 | $0.50 | $0.51 | $0.55 | $0.56 | $0.59 | $0.57 | $0.59 | $0.52 | |
| EPS (Diluted) | $-0.64 | $0.75 | $0.63 | $0.46 | $0.58 | $0.51 | $0.55 | $0.54 | $0.50 | $0.51 | $0.55 | $0.56 | $0.59 | $0.57 | $0.59 | $0.52 | |
| Shares (Basic) | 10,909,317 | 10,909,077 | · | 10,929,779 | 11,002,967 | 11,136,058 | · | 11,148,482 | 11,254,233 | 11,525,752 | · | 11,812,583 | 12,228,206 | 12,699,476 | · | 13,307,555 | |
| Shares (Diluted) | 10,909,317 | 10,909,077 | · | 10,929,779 | 11,002,967 | 11,136,058 | · | 11,148,482 | 11,254,233 | 11,525,752 | · | 11,812,583 | 12,228,206 | 12,699,476 | · | 13,307,555 |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $13M | $13M | $13M | $14M | $14M | $13M | $13M | $14M | $14M | $14M | · | $13M | $13M | $13M | · | $14M | |
| Accum. Depreciation | $14M | $14M | $13M | $13M | $12M | $12M | $12M | $10M | $9M | $9M | · | $8M | $8M | $7M | · | $6M | |
| Goodwill | $39M | $39M | $39M | $39M | $39M | $39M | $39M | $39M | $39M | $39M | · | $39M | $39M | $39M | · | $39M | |
| Intangibles | $2M | $2M | $2M | $2M | $2M | $2M | $3M | $3M | $3M | $4M | $4M | $4M | $5M | $5M | $5M | $6M | |
| Total Assets | $2.58B | $2.65B | $2.59B | $2.60B | $2.62B | $2.56B | $2.66B | $2.56B | $2.59B | $2.56B | · | $2.57B | $2.57B | $2.55B | $2.51B | $2.53B | |
| Total Liabilities | $2.24B | $2.30B | $2.26B | $2.27B | $2.29B | $2.23B | $2.34B | $2.24B | $2.28B | $2.25B | · | $2.27B | $2.26B | $2.23B | · | $2.22B | |
| Common Stock | $167M | $166M | $166M | $167M | $167M | $171M | $172M | $172M | $173M | $177M | · | $183M | $188M | $196M | · | $208M | |
| Retained Earnings | $174M | $184M | $179M | $175M | $173M | $169M | $165M | $160M | $155M | $151M | · | $141M | $136M | $130M | · | $117M | |
| AOCI | $-6M | $-6M | $-7M | $-8M | $-10M | $-11M | $-13M | $-11M | $-14M | $-14M | · | $-17M | $-16M | $-13M | · | $-12M | |
| Stockholders' Equity | $335M | $344M | $339M | $334M | $331M | $329M | $324M | $322M | $315M | $314M | $313M | $307M | $307M | $313M | $317M | $314M | |
| Liabilities + Equity | $2.58B | $2.65B | $2.59B | $2.60B | $2.62B | $2.56B | $2.66B | $2.56B | $2.59B | $2.56B | · | $2.57B | $2.57B | $2.55B | · | $2.53B | |
| Shares Outstanding | 10,909,317 | 10,909,317 | 10,887,681 | 10,916,792 | 10,941,232 | 11,089,682 | 11,121,475 | 11,130,372 | 11,172,323 | 11,377,117 | 11,551,271 | 11,673,830 | 11,900,022 | 12,443,977 | 12,838,462 | 13,075,447 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $1M | $188.0K | $178.0K | $173.0K | $151.0K | $151.0K | $105.0K | $159.0K | $164.0K | $160.0K | $141.0K | $153.0K | $182.0K | $250.0K | $233.0K | $232.0K | |
| Amort. of Intangibles | $113.0K | $114.0K | $201.0K | $242.0K | $242.0K | $263.0K | $307.0K | $305.0K | $305.0K | $305.0K | $307.0K | $305.0K | $305.0K | $369.0K | $517.0K | $516.0K | |
| Operating Cash Flow | $5M | $7M | $9M | $7M | $6M | $9M | $8M | $10M | $8M | $5M | $8M | $3M | $12M | $8M | $16M | $13M | |
| CapEx | $605.0K | $302.0K | $-262.0K | $1M | $749.0K | $143.0K | $58.0K | $255.0K | $245.0K | $1M | $1M | $532.0K | $23.0K | $148.0K | $237.0K | $266.0K | |
| Investing Cash Flow | $-60M | $47M | $-13M | $-44M | $-25M | $-9M | $-43M | $-59M | $8M | $31M | $28M | $42M | $31M | $-21M | $-29M | $6M | |
| Stock Repurchased | · | · | $813.0K | $909.0K | $4M | $1M | $34.0K | $1M | $4M | $4M | $2M | $5M | $9M | $8M | $4M | $8M | |
| Net Stock Activity | · | · | · | · | · | $-1M | · | · | · | $-4M | · | · | · | $-8M | · | · | |
| Dividends Paid | $3M | $3M | $3M | $2M | $0 | $2M | $-59.0K | $1M | $1M | $1M | $1M | $1M | $620.0K | $644.0K | $658.0K | $677.0K | |
| Financing Cash Flow | $-74M | $45M | $-18M | $-26M | $54M | $-108M | $98M | $-41M | $27M | $5M | $-30M | $7M | $9M | $34M | $-35M | $-149M | |
| Taxes Paid | · | · | $2M | $2M | · | · | $1M | $1M | · | · | $9M | $3M | $-3.0K | $10.0K | $2M | $3M | |
| Free Cash Flow | · | $7M | · | · | · | $9M | · | · | · | $4M | · | · | · | $7M | · | · | |
| Levered FCF | · | · | · | · | · | $2M | · | · | · | $-3M | · | · | · | $4M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | -27.6% | 30.6% | · | 19.5% | 25.8% | 23.4% | · | 23.5% | 23.5% | 24.0% | · | 25.1% | 28.4% | 812.5% | · | 853.1% | |
| Pretax Margin | -28.5% | 40.8% | · | 26.3% | 35.3% | 31.6% | · | 32.4% | 31.9% | 33.3% | · | 35.0% | 39.7% | 1131.5% | · | 1201.6% | |
| ROA | -0.27% | 0.31% | · | 0.19% | 0.24% | 0.22% | · | 0.23% | 0.22% | 0.23% | · | 0.26% | 0.27% | 0.27% | · | 0.28% | |
| ROE | -2.1% | 2.4% | · | 1.5% | 2.0% | 1.8% | · | 1.9% | 1.8% | 1.9% | · | 2.1% | 2.3% | 2.2% | · | 2.4% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $30.74 | $31.53 | · | $30.62 | $30.21 | $29.70 | · | $28.90 | $28.22 | $27.62 | · | $26.32 | $25.80 | $25.19 | · | $24.05 | |
| Revenue / Share | $2.31 | $2.45 | · | $2.35 | $2.24 | $2.18 | · | $2.30 | $2.11 | $2.12 | · | $2.24 | $2.07 | $0.07 | · | $0.06 | |
| Cash Flow / Share | · | $0.64 | · | · | · | $0.83 | · | · | · | $0.44 | · | · | · | $0.59 | · | · | |
| Dividend / Share | $0.30 | $0.30 | $0.30 | $0.25 | $0.20 | $0.15 | $0.15 | $0.10 | $0.10 | $0.10 | $0.10 | $0.10 | $0.10 | $0.10 | $0.05 | $0.05 | |
| EPS (TTM) | $1.20 | $2.42 | · | $2.10 | $2.18 | $2.10 | · | $2.10 | $2.12 | $2.21 | · | $2.31 | $2.27 | $1.97 | · | $1.72 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income TTM | $13M | $26M | · | $23M | $24M | $23M | · | $24M | $25M | $26M | · | $29M | $29M | $26M | · | $22M | |
| Market Cap | $359M | $324M | · | $314M | $303M | $279M | · | $264M | $227M | $234M | · | $224M | $198M | $213M | · | $230M | |
| P/E | 27.4 | 12.3 | · | 13.7 | 12.7 | 12.0 | · | 11.3 | 9.6 | 9.3 | · | 8.3 | 7.3 | 8.7 | · | 10.2 | |
| P/B | 1.1 | 0.9 | · | 0.9 | 0.9 | 0.8 | · | 0.8 | 0.7 | 0.7 | · | 0.7 | 0.6 | 0.7 | · | 0.7 | |
| P / Tangible Book | 1.2 | 1.1 | · | 1.1 | 1.0 | 1.0 | · | 0.9 | 0.8 | 0.9 | · | 0.8 | 0.8 | 0.8 | · | 0.9 | |
| P / Cash Flow | · | 46.4 | · | · | · | 30.1 | · | · | · | 46.1 | · | · | · | 28.2 | · | · | |
| Dividend Yield | 3.2% | 2.5% | · | 1.2% | 0.90% | 1.4% | · | 1.8% | 2.1% | 1.8% | · | 1.4% | 1.3% | · | · | · | |
| Earnings Yield | 3.6% | 8.1% | · | 7.3% | 7.9% | 8.3% | · | 8.8% | 10.4% | 10.7% | · | 12.0% | 13.6% | 11.5% | · | 9.8% | |
| Payout Ratio | · | 39.9% | · | · | · | 29.3% | · | · | · | 19.7% | · | · | · | · | · | · | |
| Annual Payout | $11M | $8M | · | $4M | $3M | $4M | · | $5M | $5M | $4M | · | $3M | $3M | · | · | · |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Net Income | $24M | $24M | $27M | $24M | $21M |
| Diluted EPS | $2.18 | $2.10 | $2.27 | $1.81 | $1.90 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $30M | $29M | $29M | $39M | $9M |
Institutional owners (13F) 121 filers · $240.5M total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
121
Value held
$240.5M
New positions
24
Exited positions
5
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 24 (+12 vs prior Q) | 5 (-2 vs prior Q) | 48 (+15 vs prior Q) | 28 (-6 vs prior Q) | +111K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| WELLINGTON MANAGEMENT GROUP LLP | $33,425,676 | 1,015,978 | 13.90% | Shares |
| BlackRock, Inc. | $30,490,948 | 926,776 | 12.68% | Shares |
| ROYCE & ASSOCIATES LP | $26,486,178 | 805,051 | 11.02% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $20,957,219 | 637,001 | 8.72% | Shares |
| VANGUARD GROUP INC | $18,616,903 | 633,228 | 7.74% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $15,222,534 | 462,691 | 6.33% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $8,818,853 | 267,980 | 3.67% | Shares |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $8,743,932 | 265,773 | 3.64% | Shares |
| STATE STREET CORP | $7,070,914 | 213,187 | 2.94% | Shares |
| AMERICAN CENTURY COMPANIES INC | $5,588,394 | 169,860 | 2.32% | Shares |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $4,025,085 | 122,343 | 1.67% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $3,927,997 | 119,392 | 1.63% | Shares |
| Qube Research & Technologies Ltd | $3,231,175 | 98,212 | 1.34% | Shares |
| NORTHERN TRUST CORP | $2,773,800 | 84,310 | 1.15% | Shares |
| TWO SIGMA INVESTMENTS, LP | $2,650,621 | 80,566 | 1.10% | Shares |
| CALDWELL SUTTER CAPITAL, INC. | $2,632,329 | 80,010 | 1.09% | Shares |
| FIRST MANHATTAN CO. LLC. | $2,433,911 | 73,350 | 1.01% | Shares |
| Cerity Partners LLC | $2,420,551 | 73,573 | 1.01% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $2,365,247 | 71,892 | 0.98% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $2,288,491 | 69,559 | 0.95% | Shares |
| MORGAN STANLEY | $2,234,599 | 67,920 | 0.93% | Shares |
| GOLDMAN SACHS GROUP INC | $2,088,032 | 63,466 | 0.87% | Shares |
| Empowered Funds, LLC | $1,983,311 | 60,283 | 0.82% | Shares |
| MARSHALL WACE, LLP | $1,448,291 | 44,021 | 0.60% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $1,325,870 | 40,300 | 0.55% | Shares |
| VICTORY CAPITAL MANAGEMENT INC | $1,316,000 | 40,000 | 0.55% | Shares |
| Bank of New York Mellon Corp | $1,221,632 | 37,132 | 0.51% | Shares |
| Quantinno Capital Management LP | $1,133,602 | 34,456 | 0.47% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $1,080,568 | 32,844 | 0.45% | Shares |
| Saratoga Research & Investment Management | $1,053,952 | 32,035 | 0.44% | Shares |
| PRUDENTIAL FINANCIAL INC | $1,028,783 | 31,270 | 0.43% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $997,594 | 30,322 | 0.41% | Shares |
| JACOBS LEVY EQUITY MANAGEMENT, INC | $955,581 | 29,045 | 0.40% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $936,202 | 28,456 | 0.39% | Shares |
| ALGERT GLOBAL LLC | $868,264 | 26,391 | 0.36% | Shares |
| AMERIPRISE FINANCIAL INC | $834,743 | 25,371 | 0.35% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $826,119 | 25,110 | 0.34% | Shares |
| LAZARD ASSET MANAGEMENT LLC | $712,121 | 21,645 | 0.30% | Shares |
| CAPTRUST FINANCIAL ADVISORS | $709,752 | 21,573 | 0.30% | Shares |
| STRS OHIO | $690,900 | 21,000 | 0.29% | Shares |
| JPMORGAN CHASE & CO | $684,279 | 20,926 | 0.28% | Shares |
| Nuveen, LLC | $611,282 | 18,580 | 0.25% | Shares |
| MILLENNIUM MANAGEMENT LLC | $601,445 | 18,281 | 0.25% | Shares |
| CITADEL ADVISORS LLC | $597,365 | 18,157 | 0.25% | Shares |
| BARCLAYS PLC | $505,476 | 15,364 | 0.21% | Shares |
| WOODWARD DIVERSIFIED CAPITAL, LLC | $493,500 | 15,000 | 0.21% | Shares |
| XTX Topco Ltd | $479,583 | 14,577 | 0.20% | Shares |
| JANE STREET GROUP, LLC | $471,884 | 14,343 | 0.20% | Shares |
| TWO SIGMA ADVISERS, LP | $467,460 | 15,900 | 0.19% | Shares |
| RHUMBLINE ADVISERS | $464,508 | 14,119 | 0.19% | Shares |
Company insiders 23 insiders · 12 officers · 15 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Christopher F Baron | President and CEO | Aug. 10, 2026 P | 9,247 | 1 | 0 | $250,718 |
| George J. Guarini | President and CEO | March 4, 2026 G | 27,478 | 0 | 0 | $0 |
| Kevin L Thompson | EVP, Chief Financial Officer | July 21, 2026 A | 532 | 0 | 0 | $0 |
| Keary L. Colwell | Senior EVP, CFO and Secretary | Jan. 2, 2026 A | 85,752 | 0 | 0 | $0 |
| Janet Lee King | Senior EVP and COO | Jan. 2, 2026 A | 83,752 | 0 | 0 | $0 |
| William J Black | Executive Vice Chair | July 21, 2026 A | 34,079 | 2 | 0 | $998,236 |
| Mary Therese Curley | EVP and Labor Services Div. | July 21, 2026 A | 13,688 | 0 | 0 | $0 |
| Felix Antonio Miranda Jr | Chief Lending Officer | Jan. 6, 2026 A | 2,038 | 0 | 0 | $0 |
| Izabella Lin Zhu | EVP and Chief Risk Officer | Jan. 2, 2026 A | 10,500 | 0 | 0 | $0 |
| Rick Pak | EVP and Chief Lending Officer | Jan. 1, 2024 A | 9,989 | 0 | 0 | $0 |
| David John Funkhouser | EVP and Chief Credit Officer | Jan. 1, 2021 A | 4,410 | 0 | 0 | $0 |
| Charles Young Yun | EVP and Chief Lending Officer | Jan. 2, 2019 A | 2,497 | 0 | 0 | $0 |
| Robert G. Laverne | Director | Aug. 21, 2026 P | 92,628 | 2 | 0 | $59,800 |
| Michael J Perdue | Director | July 31, 2026 P | 8,000 | 3 | 0 | $305,550 |
| Bhupen B Amin | Director | July 1, 2026 A | 3,928 | 0 | 0 | $0 |
| Dennis Henry Guida Jr | Director | July 1, 2026 A | 3,928 | 0 | 0 | $0 |
| Syvia L. Magid | Director | July 1, 2026 A | 10,491 | 0 | 0 | $0 |
| Lloyd W. Kendall Jr. | Director | July 1, 2026 A | 84,077 | 0 | 0 | $0 |
| Harpreet S. Chaudhary | Director | July 1, 2026 A | 47,101 | 0 | 0 | $0 |
| James S. Camp | Director | July 1, 2024 A | 15,137 | 0 | 0 | $0 |
| Jon Rocco Davis | Director | July 3, 2023 A | 5,704 | 0 | 0 | $0 |
| David M. Spatz | Director | July 1, 2021 A | 52,049 | 0 | 0 | $0 |
| Malcolm Flemming Hotchkiss | · | July 1, 2021 A | 17,273 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 22 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.08% | 35,990 SH | Sept. 11, 2026 | Daily |
| EBIT · Harbor ETF Trust | 0.04% | 169 NS | July 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.02% | 62,217 NS | July 31, 2026 | N-PORT |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.02% | 9,026 SH | Aug. 19, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.01% | 59,906 NS | July 31, 2026 | N-PORT |
| IWM · iShares Trust | 0.01% | 294,264 SH | Sept. 11, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.01% | 872 SH | Oct. 2, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 59,713 SH | Aug. 19, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 4,956 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.01% | 36,279 NS | July 31, 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.00% | 3,484 SH | Oct. 2, 2026 | Daily |
| DFAC · Dimensional ETF Trust | 0.00% | 21,979 NS | July 31, 2026 | N-PORT |
| ITOT · iShares Trust | 0.00% | 33,711 SH | Sept. 11, 2026 | Daily |
| IWV · iShares Trust | 0.00% | 6,394 SH | Sept. 3, 2026 | Daily |
| DCOR · Dimensional ETF Trust | 0.00% | 913 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 1,629 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 2,215 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 123,270 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 328,986 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 820 SH | Aug. 19, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.00% | 8 NS | July 31, 2026 | N-PORT |
| IWN · iShares Trust | · | 108,072 SH | Sept. 11, 2026 | Daily |
BCML Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 8 analysts
SELL
Median target
$32.00
+2.6%
0 0.0%
Strong Buy
0 0.0%
Buy
5 62.5%
Hold
1 12.5%
Sell
2 25.0%
Strong Sell
12-Month Price Target
4 analysts · 2026-10-02Mean target $32.75 +5.0%
← Below all targets
Current price $31.19
Low$32.00
Mean$32.75
High$35.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
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Source: SEC 10-Q filed Aug 10, 2026