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Side-by-side financial comparison of BayCom Corp (BCML) and Bluerock Homes Trust, Inc. (BHM). Click either name above to swap in a different company.
BayCom Corp is the larger business by last-quarter revenue ($25.9M vs $18.9M, roughly 1.4× Bluerock Homes Trust, Inc.). BayCom Corp runs the higher net margin — 26.5% vs -50.1%, a 76.6% gap on every dollar of revenue. On growth, Bluerock Homes Trust, Inc. posted the faster year-over-year revenue change (35.9% vs 9.4%). BayCom Corp produced more free cash flow last quarter ($30.1M vs $10.4M). Over the past eight quarters, Bluerock Homes Trust, Inc.'s revenue compounded faster (30.1% CAGR vs 2.9%).
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.
Bluerock Homes Trust, Inc. is a U.S.-headquartered real estate investment trust that acquires, owns and operates a portfolio of high-quality single-family rental residential properties. It caters to middle-market renters across high-growth suburban markets, prioritizing regions with strong demographic fundamentals and sustained rental housing demand.
BCML vs BHM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.9M | $18.9M |
| Net Profit | $6.9M | $-9.5M |
| Gross Margin | — | — |
| Operating Margin | 36.6% | -48.8% |
| Net Margin | 26.5% | -50.1% |
| Revenue YoY | 9.4% | 35.9% |
| Net Profit YoY | 12.1% | -29.9% |
| EPS (diluted) | $0.63 | $-0.75 |
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 | $18.9M | ||
| Q3 25 | $25.7M | $16.6M | ||
| Q2 25 | $24.7M | $16.8M | ||
| Q1 25 | $24.3M | $16.4M | ||
| Q4 24 | $23.7M | $13.9M | ||
| Q3 24 | $25.6M | $12.7M | ||
| Q2 24 | $23.8M | $12.5M | ||
| Q1 24 | $24.5M | $11.2M |
| Q4 25 | $6.9M | $-9.5M | ||
| Q3 25 | $5.0M | $-10.0M | ||
| Q2 25 | $6.4M | $-5.8M | ||
| Q1 25 | $5.7M | $-7.3M | ||
| Q4 24 | $6.1M | $-7.3M | ||
| Q3 24 | $6.0M | $3.5M | ||
| Q2 24 | $5.6M | $-5.2M | ||
| Q1 24 | $5.9M | $-3.2M |
| Q4 25 | 36.6% | -48.8% | ||
| Q3 25 | 26.3% | -57.6% | ||
| Q2 25 | 35.3% | -30.9% | ||
| Q1 25 | 31.6% | -42.6% | ||
| Q4 24 | 34.2% | -52.8% | ||
| Q3 24 | 32.4% | 27.9% | ||
| Q2 24 | 31.9% | -41.3% | ||
| Q1 24 | 33.3% | -28.4% |
| Q4 25 | 26.5% | -50.1% | ||
| Q3 25 | 19.5% | -60.0% | ||
| Q2 25 | 25.8% | -34.7% | ||
| Q1 25 | 23.4% | -44.7% | ||
| Q4 24 | 25.9% | -52.8% | ||
| Q3 24 | 23.5% | 27.9% | ||
| Q2 24 | 23.6% | -41.3% | ||
| Q1 24 | 24.0% | -28.4% |
| Q4 25 | $0.63 | $-0.75 | ||
| Q3 25 | $0.46 | $-0.94 | ||
| Q2 25 | $0.58 | $-0.66 | ||
| Q1 25 | $0.51 | $-0.67 | ||
| Q4 24 | $0.55 | $-0.65 | ||
| Q3 24 | $0.54 | $0.24 | ||
| Q2 24 | $0.50 | $-0.42 | ||
| Q1 24 | $0.51 | $-0.27 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $169.6M |
| Total DebtLower is stronger | — | $428.4M |
| Stockholders' EquityBook value | $338.6M | $128.7M |
| Total Assets | $2.6B | $1.2B |
| Debt / EquityLower = less leverage | — | 3.33× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $169.6M | ||
| Q3 25 | — | $2.1M | ||
| Q2 25 | — | $4.2M | ||
| Q1 25 | — | $3.0M | ||
| Q4 24 | — | $115.2M | ||
| Q3 24 | — | $155.1M | ||
| Q2 24 | — | $116.0M | ||
| Q1 24 | — | $92.3M |
| Q4 25 | — | $428.4M | ||
| Q3 25 | — | $415.9M | ||
| Q2 25 | — | $338.6M | ||
| Q1 25 | — | $336.5M | ||
| Q4 24 | — | $373.8M | ||
| Q3 24 | — | $122.5M | ||
| Q2 24 | — | $119.7M | ||
| Q1 24 | — | $120.2M |
| Q4 25 | $338.6M | $128.7M | ||
| Q3 25 | $334.3M | $131.7M | ||
| Q2 25 | $330.6M | $135.3M | ||
| Q1 25 | $329.3M | $137.1M | ||
| Q4 24 | $324.4M | $139.1M | ||
| Q3 24 | $321.7M | $142.9M | ||
| Q2 24 | $315.3M | $142.5M | ||
| Q1 24 | $314.2M | $144.5M |
| Q4 25 | $2.6B | $1.2B | ||
| Q3 25 | $2.6B | $222.1M | ||
| Q2 25 | $2.6B | $220.3M | ||
| Q1 25 | $2.6B | $186.2M | ||
| Q4 24 | $2.7B | $967.0M | ||
| Q3 24 | $2.6B | $800.8M | ||
| Q2 24 | $2.6B | $756.2M | ||
| Q1 24 | $2.6B | $727.4M |
| Q4 25 | — | 3.33× | ||
| Q3 25 | — | 3.16× | ||
| Q2 25 | — | 2.50× | ||
| Q1 25 | — | 2.45× | ||
| Q4 24 | — | 2.69× | ||
| Q3 24 | — | 0.86× | ||
| Q2 24 | — | 0.84× | ||
| Q1 24 | — | 0.83× |
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 | $27.8M |
| Free Cash FlowOCF − Capex | $30.1M | $10.4M |
| FCF MarginFCF / Revenue | 116.2% | 55.0% |
| Capex IntensityCapex / Revenue | 6.7% | 91.8% |
| Cash ConversionOCF / Net Profit | 4.64× | — |
| TTM Free Cash FlowTrailing 4 quarters | $51.1M | $25.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $31.8M | $27.8M | ||
| Q3 25 | $7.3M | $13.4M | ||
| Q2 25 | $6.4M | $13.9M | ||
| Q1 25 | $9.3M | $951.0K | ||
| Q4 24 | $30.4M | $9.1M | ||
| Q3 24 | $9.6M | $1.7M | ||
| Q2 24 | $7.7M | $1.3M | ||
| Q1 24 | $5.1M | $1.1M |
| Q4 25 | $30.1M | $10.4M | ||
| Q3 25 | $6.2M | $8.7M | ||
| Q2 25 | $5.6M | $8.8M | ||
| Q1 25 | $9.1M | $-2.9M | ||
| Q4 24 | $28.7M | $-253.0K | ||
| Q3 24 | $9.4M | $-601.0K | ||
| Q2 24 | $7.4M | $-654.0K | ||
| Q1 24 | $3.9M | $-630.0K |
| Q4 25 | 116.2% | 55.0% | ||
| Q3 25 | 24.3% | 52.4% | ||
| Q2 25 | 22.8% | 52.2% | ||
| Q1 25 | 37.6% | -17.6% | ||
| Q4 24 | 121.1% | -1.8% | ||
| Q3 24 | 36.6% | -4.7% | ||
| Q2 24 | 31.2% | -5.2% | ||
| Q1 24 | 16.1% | -5.6% |
| Q4 25 | 6.7% | 91.8% | ||
| Q3 25 | 4.3% | 28.5% | ||
| Q2 25 | 3.0% | 30.3% | ||
| Q1 25 | 0.6% | 23.4% | ||
| Q4 24 | 7.2% | 66.9% | ||
| Q3 24 | 1.0% | 18.0% | ||
| Q2 24 | 1.0% | 15.3% | ||
| Q1 24 | 4.7% | 15.5% |
| Q4 25 | 4.64× | — | ||
| Q3 25 | 1.47× | — | ||
| Q2 25 | 1.00× | — | ||
| Q1 25 | 1.63× | — | ||
| Q4 24 | 4.96× | — | ||
| Q3 24 | 1.60× | 0.47× | ||
| 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.
BHM
| Residential Communities Segment | $11.4M | 61% |
| Scattered Single Family Homes Segment | $7.5M | 39% |
