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Side-by-side financial comparison of BayCom Corp (BCML) and Claros Mortgage Trust, Inc. (CMTG). Click either name above to swap in a different company.
Claros Mortgage Trust, Inc. is the larger business by last-quarter revenue ($46.7M vs $25.9M, roughly 1.8× BayCom Corp). BayCom Corp runs the higher net margin — 26.5% vs -468.9%, a 495.4% gap on every dollar of revenue. On growth, BayCom Corp posted the faster year-over-year revenue change (9.4% vs -22.4%). Over the past eight quarters, BayCom Corp's revenue compounded faster (2.9% CAGR vs -10.9%).
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.
Claros Mortgage Trust, Inc. is a U.S.-based real estate investment trust that invests in diversified mortgage-related assets, including residential and commercial mortgage loans and mortgage-backed securities. It pursues stable, risk-adjusted long-term returns for shareholders via rigorous asset evaluation and active portfolio management.
BCML vs CMTG — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.9M | $46.7M |
| Net Profit | $6.9M | $-219.2M |
| Gross Margin | — | — |
| Operating Margin | 36.6% | — |
| Net Margin | 26.5% | -468.9% |
| Revenue YoY | 9.4% | -22.4% |
| Net Profit YoY | 12.1% | -117.7% |
| EPS (diluted) | $0.63 | $-1.56 |
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 | $46.7M | ||
| Q3 25 | $25.7M | $46.1M | ||
| Q2 25 | $24.7M | $51.6M | ||
| Q1 25 | $24.3M | $43.4M | ||
| Q4 24 | $23.7M | $60.2M | ||
| Q3 24 | $25.6M | $64.9M | ||
| Q2 24 | $23.8M | $64.5M | ||
| Q1 24 | $24.5M | $58.8M |
| Q4 25 | $6.9M | $-219.2M | ||
| Q3 25 | $5.0M | $-9.5M | ||
| Q2 25 | $6.4M | $-181.7M | ||
| Q1 25 | $5.7M | $-78.6M | ||
| Q4 24 | $6.1M | $-100.7M | ||
| Q3 24 | $6.0M | $-56.2M | ||
| Q2 24 | $5.6M | $-11.6M | ||
| Q1 24 | $5.9M | $-52.8M |
| Q4 25 | 36.6% | — | ||
| Q3 25 | 26.3% | — | ||
| Q2 25 | 35.3% | — | ||
| Q1 25 | 31.6% | — | ||
| Q4 24 | 34.2% | — | ||
| Q3 24 | 32.4% | — | ||
| Q2 24 | 31.9% | — | ||
| Q1 24 | 33.3% | — |
| Q4 25 | 26.5% | -468.9% | ||
| Q3 25 | 19.5% | -20.7% | ||
| Q2 25 | 25.8% | -351.9% | ||
| Q1 25 | 23.4% | -181.3% | ||
| Q4 24 | 25.9% | -167.2% | ||
| Q3 24 | 23.5% | -86.7% | ||
| Q2 24 | 23.6% | -17.9% | ||
| Q1 24 | 24.0% | -89.7% |
| Q4 25 | $0.63 | $-1.56 | ||
| Q3 25 | $0.46 | $-0.07 | ||
| Q2 25 | $0.58 | $-1.30 | ||
| Q1 25 | $0.51 | $-0.56 | ||
| Q4 24 | $0.55 | $-0.72 | ||
| Q3 24 | $0.54 | $-0.40 | ||
| Q2 24 | $0.50 | $-0.09 | ||
| Q1 24 | $0.51 | $-0.39 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $173.2M |
| Total DebtLower is stronger | — | $3.2B |
| Stockholders' EquityBook value | $338.6M | $1.5B |
| Total Assets | $2.6B | $4.7B |
| Debt / EquityLower = less leverage | — | 2.06× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $173.2M | ||
| Q3 25 | — | $339.5M | ||
| Q2 25 | — | $209.2M | ||
| Q1 25 | — | $127.8M | ||
| Q4 24 | — | $99.1M | ||
| Q3 24 | — | $113.9M | ||
| Q2 24 | — | $148.2M | ||
| Q1 24 | — | $232.5M |
| Q4 25 | — | $3.2B | ||
| Q3 25 | — | $3.7B | ||
| Q2 25 | — | $4.0B | ||
| Q1 25 | — | $4.7B | ||
| Q4 24 | — | $4.9B | ||
| Q3 24 | — | $5.1B | ||
| Q2 24 | — | $5.3B | ||
| Q1 24 | — | $5.5B |
| Q4 25 | $338.6M | $1.5B | ||
| Q3 25 | $334.3M | $1.7B | ||
| Q2 25 | $330.6M | $1.8B | ||
| Q1 25 | $329.3M | $1.9B | ||
| Q4 24 | $324.4M | $2.0B | ||
| Q3 24 | $321.7M | $2.1B | ||
| Q2 24 | $315.3M | $2.2B | ||
| Q1 24 | $314.2M | $2.2B |
| Q4 25 | $2.6B | $4.7B | ||
| Q3 25 | $2.6B | $5.4B | ||
| Q2 25 | $2.6B | $5.8B | ||
| Q1 25 | $2.6B | $6.7B | ||
| Q4 24 | $2.7B | $7.0B | ||
| Q3 24 | $2.6B | $7.3B | ||
| Q2 24 | $2.6B | $7.6B | ||
| Q1 24 | $2.6B | $7.8B |
| Q4 25 | — | 2.06× | ||
| Q3 25 | — | 2.09× | ||
| Q2 25 | — | 2.29× | ||
| Q1 25 | — | 2.42× | ||
| Q4 24 | — | 2.44× | ||
| Q3 24 | — | 2.44× | ||
| Q2 24 | — | 2.46× | ||
| Q1 24 | — | 2.47× |
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 | $-30.5M |
| Free Cash FlowOCF − Capex | $30.1M | — |
| FCF MarginFCF / Revenue | 116.2% | — |
| Capex IntensityCapex / Revenue | 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 | $31.8M | $-30.5M | ||
| Q3 25 | $7.3M | $8.8M | ||
| Q2 25 | $6.4M | $-5.8M | ||
| Q1 25 | $9.3M | $-35.8M | ||
| Q4 24 | $30.4M | $84.5M | ||
| Q3 24 | $9.6M | $39.2M | ||
| Q2 24 | $7.7M | $5.5M | ||
| Q1 24 | $5.1M | $21.5M |
| Q4 25 | $30.1M | — | ||
| Q3 25 | $6.2M | — | ||
| Q2 25 | $5.6M | — | ||
| Q1 25 | $9.1M | — | ||
| Q4 24 | $28.7M | — | ||
| Q3 24 | $9.4M | — | ||
| Q2 24 | $7.4M | — | ||
| Q1 24 | $3.9M | — |
| Q4 25 | 116.2% | — | ||
| Q3 25 | 24.3% | — | ||
| Q2 25 | 22.8% | — | ||
| Q1 25 | 37.6% | — | ||
| Q4 24 | 121.1% | — | ||
| Q3 24 | 36.6% | — | ||
| Q2 24 | 31.2% | — | ||
| Q1 24 | 16.1% | — |
| Q4 25 | 6.7% | — | ||
| Q3 25 | 4.3% | — | ||
| Q2 25 | 3.0% | — | ||
| Q1 25 | 0.6% | — | ||
| Q4 24 | 7.2% | — | ||
| Q3 24 | 1.0% | — | ||
| Q2 24 | 1.0% | — | ||
| Q1 24 | 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
BCML
Segment breakdown not available.
CMTG
| Real Estate Owned Portfolio | $34.2M | 73% |
| Other | $11.1M | 24% |
| Mixed Use Property Fixed Rents | $1.4M | 3% |
