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Side-by-side financial comparison of BayCom Corp (BCML) and BGSF, INC. (BGSF). Click either name above to swap in a different company.
BayCom Corp is the larger business by last-quarter revenue ($25.9M vs $22.0M, roughly 1.2× BGSF, INC.). BayCom Corp runs the higher net margin — 26.5% vs -5.3%, a 31.8% gap on every dollar of revenue. On growth, BayCom Corp posted the faster year-over-year revenue change (9.4% vs -9.4%). BayCom Corp produced more free cash flow last quarter ($30.1M vs $1.7M). Over the past eight quarters, BayCom Corp's revenue compounded faster (2.9% CAGR vs -5.3%).
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.
BGSF Inc. is a leading U.S.-headquartered workforce solutions firm that provides tailored staffing, talent recruitment, and end-to-end workforce management services. It serves core segments including information technology, healthcare, professional administration, light industrial, and creative industries, catering to small, mid-sized and large enterprise clients across North America.
BCML vs BGSF — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.9M | $22.0M |
| Net Profit | $6.9M | $-1.2M |
| Gross Margin | — | 35.0% |
| Operating Margin | 36.6% | -17.6% |
| Net Margin | 26.5% | -5.3% |
| Revenue YoY | 9.4% | -9.4% |
| Net Profit YoY | 12.1% | -18.2% |
| EPS (diluted) | $0.63 | $-0.12 |
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 | $25.9M | $22.0M | ||
| Q3 25 | $25.7M | $26.9M | ||
| Q2 25 | $24.7M | $23.5M | ||
| Q1 25 | $24.3M | $20.9M | ||
| Q4 24 | $23.7M | $24.3M | ||
| Q3 24 | $25.6M | $29.8M | ||
| Q2 24 | $23.8M | $25.7M | ||
| Q1 24 | $24.5M | $24.5M |
| Q4 25 | $6.9M | $-1.2M | ||
| Q3 25 | $5.0M | $-5.8M | ||
| Q2 25 | $6.4M | $-3.7M | ||
| Q1 25 | $5.7M | $-722.0K | ||
| Q4 24 | $6.1M | $-981.0K | ||
| Q3 24 | $6.0M | $-804.0K | ||
| Q2 24 | $5.6M | $-761.0K | ||
| Q1 24 | $5.9M | $-792.0K |
| Q4 25 | — | 35.0% | ||
| Q3 25 | — | 35.9% | ||
| Q2 25 | — | 35.8% | ||
| Q1 25 | — | 36.2% | ||
| Q4 24 | — | 35.9% | ||
| Q3 24 | — | 35.9% | ||
| Q2 24 | — | 37.3% | ||
| Q1 24 | — | 38.1% |
| Q4 25 | 36.6% | -17.6% | ||
| Q3 25 | 26.3% | -3.5% | ||
| Q2 25 | 35.3% | -18.8% | ||
| Q1 25 | 31.6% | 1.6% | ||
| Q4 24 | 34.2% | -15.7% | ||
| Q3 24 | 32.4% | -3.4% | ||
| Q2 24 | 31.9% | -5.7% | ||
| Q1 24 | 33.3% | 1.7% |
| Q4 25 | 26.5% | -5.3% | ||
| Q3 25 | 19.5% | -21.6% | ||
| Q2 25 | 25.8% | -15.9% | ||
| Q1 25 | 23.4% | -3.5% | ||
| Q4 24 | 25.9% | -4.0% | ||
| Q3 24 | 23.5% | -2.7% | ||
| Q2 24 | 23.6% | -3.0% | ||
| Q1 24 | 24.0% | -3.2% |
| Q4 25 | $0.63 | $-0.12 | ||
| Q3 25 | $0.46 | $-0.52 | ||
| Q2 25 | $0.58 | $-0.34 | ||
| Q1 25 | $0.51 | $-0.06 | ||
| Q4 24 | $0.55 | — | ||
| Q3 24 | $0.54 | $-0.07 | ||
| Q2 24 | $0.50 | $-0.07 | ||
| 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 | — | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $338.6M | $48.1M |
| Total Assets | $2.6B | $57.8M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | — | ||
| Q3 25 | — | $41.2M | ||
| Q2 25 | — | $2.8M | ||
| Q1 25 | — | $2.0M | ||
| Q4 24 | — | $32.0K | ||
| Q3 24 | — | $262 | ||
| Q2 24 | — | $226 | ||
| Q1 24 | — | $50 |
| Q4 25 | $338.6M | $48.1M | ||
| Q3 25 | $334.3M | $50.7M | ||
| Q2 25 | $330.6M | $78.3M | ||
| Q1 25 | $329.3M | $81.8M | ||
| Q4 24 | $324.4M | $82.3M | ||
| Q3 24 | $321.7M | $82.9M | ||
| Q2 24 | $315.3M | $83.2M | ||
| Q1 24 | $314.2M | $83.6M |
| Q4 25 | $2.6B | $57.8M | ||
| Q3 25 | $2.6B | $83.6M | ||
| Q2 25 | $2.6B | $149.7M | ||
| Q1 25 | $2.6B | $152.3M | ||
| Q4 24 | $2.7B | $150.1M | ||
| Q3 24 | $2.6B | $157.3K | ||
| Q2 24 | $2.6B | $159.8K | ||
| Q1 24 | $2.6B | $170.6K |
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 | $31.8M | $1.7M |
| Free Cash FlowOCF − Capex | $30.1M | $1.7M |
| FCF MarginFCF / Revenue | 116.2% | 7.6% |
| Capex IntensityCapex / Revenue | 6.7% | 0.1% |
| Cash ConversionOCF / Net Profit | 4.64× | — |
| TTM Free Cash FlowTrailing 4 quarters | $51.1M | $-16.0K |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $31.8M | $1.7M | ||
| Q3 25 | $7.3M | $-4.8M | ||
| Q2 25 | $6.4M | $2.2M | ||
| Q1 25 | $9.3M | $1.1M | ||
| Q4 24 | $30.4M | $3.2M | ||
| Q3 24 | $9.6M | $6.5M | ||
| Q2 24 | $7.7M | $7.3M | ||
| Q1 24 | $5.1M | $7.4M |
| Q4 25 | $30.1M | $1.7M | ||
| Q3 25 | $6.2M | $-4.9M | ||
| Q2 25 | $5.6M | $2.1M | ||
| Q1 25 | $9.1M | $1.0M | ||
| Q4 24 | $28.7M | $2.5M | ||
| Q3 24 | $9.4M | $6.5M | ||
| Q2 24 | $7.4M | $7.3M | ||
| Q1 24 | $3.9M | $6.9M |
| Q4 25 | 116.2% | 7.6% | ||
| Q3 25 | 24.3% | -18.1% | ||
| Q2 25 | 22.8% | 9.1% | ||
| Q1 25 | 37.6% | 5.0% | ||
| Q4 24 | 121.1% | 10.2% | ||
| Q3 24 | 36.6% | 21.7% | ||
| Q2 24 | 31.2% | 28.5% | ||
| Q1 24 | 16.1% | 28.1% |
| Q4 25 | 6.7% | 0.1% | ||
| Q3 25 | 4.3% | 0.4% | ||
| Q2 25 | 3.0% | 0.0% | ||
| Q1 25 | 0.6% | 0.1% | ||
| Q4 24 | 7.2% | 3.0% | ||
| Q3 24 | 1.0% | 0.0% | ||
| Q2 24 | 1.0% | 0.0% | ||
| Q1 24 | 4.7% | 2.0% |
| 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
BCML
Segment breakdown not available.
BGSF
| Contract Field Talent | $21.4M | 97% |
| Other | $595.0K | 3% |
