vs
Side-by-side financial comparison of Aterian, Inc. (ATER) and BayCom Corp (BCML). Click either name above to swap in a different company.
BayCom Corp is the larger business by last-quarter revenue ($25.9M vs $15.1M, roughly 1.7× Aterian, Inc.). BayCom Corp runs the higher net margin — 26.5% vs -52.5%, a 79.0% gap on every dollar of revenue. On growth, BayCom Corp posted the faster year-over-year revenue change (9.4% vs -38.5%). BayCom Corp produced more free cash flow last quarter ($30.1M vs $-1.0M). Over the past eight quarters, BayCom Corp's revenue compounded faster (2.9% CAGR vs -13.5%).
Aterian, Inc. is a technology-enabled consumer products company that leverages artificial intelligence and data analytics to identify market demand, develop, source and distribute a wide portfolio of affordable goods spanning home improvement, wellness, personal care, pet supplies and outdoor recreation. It primarily sells its products through leading global e-commerce platforms, with core markets covering North America and Europe.
BayCom Corp is a U.S.-headquartered bank holding company operating through its wholly owned subsidiary Bay Commercial Bank. It primarily serves small and medium-sized enterprises and retail customers across Northern California, offering commercial lending, deposit products, personal banking services, and localized wealth management solutions.
ATER vs BCML — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $15.1M | $25.9M |
| Net Profit | $-7.9M | $6.9M |
| Gross Margin | 56.1% | — |
| Operating Margin | -51.1% | 36.6% |
| Net Margin | -52.5% | 26.5% |
| Revenue YoY | -38.5% | 9.4% |
| Net Profit YoY | -512.2% | 12.1% |
| EPS (diluted) | — | $0.63 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $15.1M | $25.9M | ||
| Q3 25 | $19.0M | $25.7M | ||
| Q2 25 | $19.5M | $24.7M | ||
| Q1 25 | $15.4M | $24.3M | ||
| Q4 24 | $24.6M | $23.7M | ||
| Q3 24 | $26.2M | $25.6M | ||
| Q2 24 | $28.0M | $23.8M | ||
| Q1 24 | $20.2M | $24.5M |
| Q4 25 | $-7.9M | $6.9M | ||
| Q3 25 | $-2.3M | $5.0M | ||
| Q2 25 | $-4.9M | $6.4M | ||
| Q1 25 | $-3.9M | $5.7M | ||
| Q4 24 | $-1.3M | $6.1M | ||
| Q3 24 | $-1.8M | $6.0M | ||
| Q2 24 | $-3.6M | $5.6M | ||
| Q1 24 | $-5.2M | $5.9M |
| Q4 25 | 56.1% | — | ||
| Q3 25 | 56.1% | — | ||
| Q2 25 | 54.3% | — | ||
| Q1 25 | 61.4% | — | ||
| Q4 24 | 63.4% | — | ||
| Q3 24 | 60.3% | — | ||
| Q2 24 | 60.4% | — | ||
| Q1 24 | 65.1% | — |
| Q4 25 | -51.1% | 36.6% | ||
| Q3 25 | -10.7% | 26.3% | ||
| Q2 25 | -23.1% | 35.3% | ||
| Q1 25 | -24.1% | 31.6% | ||
| Q4 24 | -6.5% | 34.2% | ||
| Q3 24 | -6.6% | 32.4% | ||
| Q2 24 | -11.5% | 31.9% | ||
| Q1 24 | -26.1% | 33.3% |
| Q4 25 | -52.5% | 26.5% | ||
| Q3 25 | -12.0% | 19.5% | ||
| Q2 25 | -25.0% | 25.8% | ||
| Q1 25 | -25.4% | 23.4% | ||
| Q4 24 | -5.3% | 25.9% | ||
| Q3 24 | -6.8% | 23.5% | ||
| Q2 24 | -13.0% | 23.6% | ||
| Q1 24 | -25.5% | 24.0% |
| Q4 25 | — | $0.63 | ||
| Q3 25 | — | $0.46 | ||
| Q2 25 | — | $0.58 | ||
| Q1 25 | — | $0.51 | ||
| Q4 24 | — | $0.55 | ||
| Q3 24 | — | $0.54 | ||
| Q2 24 | — | $0.50 | ||
| Q1 24 | — | $0.51 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $4.9M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $15.2M | $338.6M |
| Total Assets | $29.6M | $2.6B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $4.9M | — | ||
| Q3 25 | $7.6M | — | ||
| Q2 25 | $10.5M | — | ||
| Q1 25 | $14.3M | — | ||
| Q4 24 | $18.0M | — | ||
| Q3 24 | $16.1M | — | ||
| Q2 24 | $20.3M | — | ||
| Q1 24 | $17.5M | — |
| Q4 25 | $15.2M | $338.6M | ||
| Q3 25 | $22.6M | $334.3M | ||
| Q2 25 | $24.3M | $330.6M | ||
| Q1 25 | $27.0M | $329.3M | ||
| Q4 24 | $30.0M | $324.4M | ||
| Q3 24 | $30.6M | $321.7M | ||
| Q2 24 | $30.9M | $315.3M | ||
| Q1 24 | $33.0M | $314.2M |
| Q4 25 | $29.6M | $2.6B | ||
| Q3 25 | $40.1M | $2.6B | ||
| Q2 25 | $45.4M | $2.6B | ||
| Q1 25 | $49.8M | $2.6B | ||
| Q4 24 | $49.5M | $2.7B | ||
| Q3 24 | $52.1M | $2.6B | ||
| Q2 24 | $59.9M | $2.6B | ||
| Q1 24 | $55.7M | $2.6B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-1.0M | $31.8M |
| Free Cash FlowOCF − Capex | $-1.0M | $30.1M |
| FCF MarginFCF / Revenue | -6.9% | 116.2% |
| Capex IntensityCapex / Revenue | 0.0% | 6.7% |
| Cash ConversionOCF / Net Profit | — | 4.64× |
| TTM Free Cash FlowTrailing 4 quarters | — | $51.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-1.0M | $31.8M | ||
| Q3 25 | $-1.6M | $7.3M | ||
| Q2 25 | $-4.4M | $6.4M | ||
| Q1 25 | $-3.9M | $9.3M | ||
| Q4 24 | $-9.0K | $30.4M | ||
| Q3 24 | $-722.0K | $9.6M | ||
| Q2 24 | $2.9M | $7.7M | ||
| Q1 24 | $-6.0K | $5.1M |
| Q4 25 | $-1.0M | $30.1M | ||
| Q3 25 | $-1.6M | $6.2M | ||
| Q2 25 | $-4.4M | $5.6M | ||
| Q1 25 | — | $9.1M | ||
| Q4 24 | — | $28.7M | ||
| Q3 24 | — | $9.4M | ||
| Q2 24 | $2.9M | $7.4M | ||
| Q1 24 | $-42.0K | $3.9M |
| Q4 25 | -6.9% | 116.2% | ||
| Q3 25 | -8.4% | 24.3% | ||
| Q2 25 | -22.7% | 22.8% | ||
| Q1 25 | — | 37.6% | ||
| Q4 24 | — | 121.1% | ||
| Q3 24 | — | 36.6% | ||
| Q2 24 | 10.3% | 31.2% | ||
| Q1 24 | -0.2% | 16.1% |
| Q4 25 | 0.0% | 6.7% | ||
| Q3 25 | 0.2% | 4.3% | ||
| Q2 25 | 0.0% | 3.0% | ||
| Q1 25 | 0.0% | 0.6% | ||
| Q4 24 | 0.0% | 7.2% | ||
| Q3 24 | 0.0% | 1.0% | ||
| Q2 24 | 0.0% | 1.0% | ||
| Q1 24 | 0.2% | 4.7% |
| Q4 25 | — | 4.64× | ||
| Q3 25 | — | 1.47× | ||
| Q2 25 | — | 1.00× | ||
| Q1 25 | — | 1.63× | ||
| Q4 24 | — | 4.96× | ||
| Q3 24 | — | 1.60× | ||
| Q2 24 | — | 1.37× | ||
| Q1 24 | — | 0.86× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ATER
| Sales Channel Directly To Consumer | $13.1M | 87% |
| Heating Cooling And Air Quality | $2.1M | 14% |
BCML
Segment breakdown not available.
