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Side-by-side financial comparison of BayCom Corp (BCML) and FutureFuel Corp. (FF). Click either name above to swap in a different company.
BayCom Corp is the larger business by last-quarter revenue ($25.9M vs $19.8M, roughly 1.3× FutureFuel Corp.). BayCom Corp runs the higher net margin — 26.5% vs -60.5%, a 87.0% gap on every dollar of revenue. On growth, BayCom Corp posted the faster year-over-year revenue change (9.4% vs -67.7%). BayCom Corp produced more free cash flow last quarter ($30.1M vs $-29.9M). Over the past eight quarters, BayCom Corp's revenue compounded faster (2.9% CAGR vs -41.7%).
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.
FutureFuel Corporation is a developer and producer of chemicals and biofuels. It is listed on the New York Stock Exchange, with symbol FF.
BCML vs FF — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.9M | $19.8M |
| Net Profit | $6.9M | $-12.0M |
| Gross Margin | — | -46.7% |
| Operating Margin | 36.6% | -62.9% |
| Net Margin | 26.5% | -60.5% |
| Revenue YoY | 9.4% | -67.7% |
| Net Profit YoY | 12.1% | -529.4% |
| EPS (diluted) | $0.63 | $-0.28 |
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 | $19.8M | ||
| Q3 25 | $25.7M | $22.7M | ||
| Q2 25 | $24.7M | $35.7M | ||
| Q1 25 | $24.3M | $17.5M | ||
| Q4 24 | $23.7M | $61.5M | ||
| Q3 24 | $25.6M | $51.1M | ||
| Q2 24 | $23.8M | $72.4M | ||
| Q1 24 | $24.5M | $58.3M |
| Q4 25 | $6.9M | $-12.0M | ||
| Q3 25 | $5.0M | $-9.3M | ||
| Q2 25 | $6.4M | $-10.4M | ||
| Q1 25 | $5.7M | $-17.6M | ||
| Q4 24 | $6.1M | $2.8M | ||
| Q3 24 | $6.0M | $-1.2M | ||
| Q2 24 | $5.6M | $9.6M | ||
| Q1 24 | $5.9M | $4.3M |
| Q4 25 | — | -46.7% | ||
| Q3 25 | — | -30.1% | ||
| Q2 25 | — | -24.6% | ||
| Q1 25 | — | -83.0% | ||
| Q4 24 | — | 9.1% | ||
| Q3 24 | — | 0.7% | ||
| Q2 24 | — | 12.0% | ||
| Q1 24 | — | 8.6% |
| Q4 25 | 36.6% | -62.9% | ||
| Q3 25 | 26.3% | -42.9% | ||
| Q2 25 | 35.3% | -33.4% | ||
| Q1 25 | 31.6% | -107.4% | ||
| Q4 24 | 34.2% | 2.6% | ||
| Q3 24 | 32.4% | -5.6% | ||
| Q2 24 | 31.9% | 7.5% | ||
| Q1 24 | 33.3% | 3.8% |
| Q4 25 | 26.5% | -60.5% | ||
| Q3 25 | 19.5% | -41.1% | ||
| Q2 25 | 25.8% | -29.2% | ||
| Q1 25 | 23.4% | -100.6% | ||
| Q4 24 | 25.9% | 4.5% | ||
| Q3 24 | 23.5% | -2.3% | ||
| Q2 24 | 23.6% | 13.2% | ||
| Q1 24 | 24.0% | 7.4% |
| Q4 25 | $0.63 | $-0.28 | ||
| Q3 25 | $0.46 | $-0.21 | ||
| Q2 25 | $0.58 | $-0.24 | ||
| Q1 25 | $0.51 | $-0.40 | ||
| Q4 24 | $0.55 | $0.06 | ||
| Q3 24 | $0.54 | $-0.03 | ||
| Q2 24 | $0.50 | $0.22 | ||
| Q1 24 | $0.51 | $0.10 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $51.3M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $338.6M | $154.7M |
| Total Assets | $2.6B | $192.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $51.3M | ||
| Q3 25 | — | $85.6M | ||
| Q2 25 | — | $95.2M | ||
| Q1 25 | — | $97.1M | ||
| Q4 24 | — | $109.5M | ||
| Q3 24 | — | $133.4M | ||
| Q2 24 | — | $115.1M | ||
| Q1 24 | — | $201.1M |
| Q4 25 | $338.6M | $154.7M | ||
| Q3 25 | $334.3M | $169.1M | ||
| Q2 25 | $330.6M | $178.2M | ||
| Q1 25 | $329.3M | $188.4M | ||
| Q4 24 | $324.4M | $205.8M | ||
| Q3 24 | $321.7M | $213.3M | ||
| Q2 24 | $315.3M | $214.4M | ||
| Q1 24 | $314.2M | $204.8M |
| Q4 25 | $2.6B | $192.2M | ||
| Q3 25 | $2.6B | $203.5M | ||
| Q2 25 | $2.6B | $218.2M | ||
| Q1 25 | $2.6B | $227.7M | ||
| Q4 24 | $2.7B | $247.7M | ||
| Q3 24 | $2.6B | $256.5M | ||
| Q2 24 | $2.6B | $261.2M | ||
| Q1 24 | $2.6B | $365.4M |
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 | $-27.4M |
| Free Cash FlowOCF − Capex | $30.1M | $-29.9M |
| FCF MarginFCF / Revenue | 116.2% | -150.5% |
| Capex IntensityCapex / Revenue | 6.7% | 12.2% |
| Cash ConversionOCF / Net Profit | 4.64× | — |
| TTM Free Cash FlowTrailing 4 quarters | $51.1M | $-46.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $31.8M | $-27.4M | ||
| Q3 25 | $7.3M | $-1.1M | ||
| Q2 25 | $6.4M | $5.2M | ||
| Q1 25 | $9.3M | $-5.4M | ||
| Q4 24 | $30.4M | $-16.6M | ||
| Q3 24 | $9.6M | $25.8M | ||
| Q2 24 | $7.7M | $27.8M | ||
| Q1 24 | $5.1M | $-12.2M |
| Q4 25 | $30.1M | $-29.9M | ||
| Q3 25 | $6.2M | $-6.5M | ||
| Q2 25 | $5.6M | $-263.0K | ||
| Q1 25 | $9.1M | $-9.4M | ||
| Q4 24 | $28.7M | $-20.7M | ||
| Q3 24 | $9.4M | $20.5M | ||
| Q2 24 | $7.4M | $24.8M | ||
| Q1 24 | $3.9M | $-14.5M |
| Q4 25 | 116.2% | -150.5% | ||
| Q3 25 | 24.3% | -28.5% | ||
| Q2 25 | 22.8% | -0.7% | ||
| Q1 25 | 37.6% | -53.6% | ||
| Q4 24 | 121.1% | -33.6% | ||
| Q3 24 | 36.6% | 40.1% | ||
| Q2 24 | 31.2% | 34.3% | ||
| Q1 24 | 16.1% | -24.9% |
| Q4 25 | 6.7% | 12.2% | ||
| Q3 25 | 4.3% | 23.5% | ||
| Q2 25 | 3.0% | 15.3% | ||
| Q1 25 | 0.6% | 22.8% | ||
| Q4 24 | 7.2% | 6.6% | ||
| Q3 24 | 1.0% | 10.4% | ||
| Q2 24 | 1.0% | 4.1% | ||
| Q1 24 | 4.7% | 3.9% |
| Q4 25 | 4.64× | — | ||
| Q3 25 | 1.47× | — | ||
| Q2 25 | 1.00× | — | ||
| Q1 25 | 1.63× | — | ||
| Q4 24 | 4.96× | -5.94× | ||
| Q3 24 | 1.60× | — | ||
| Q2 24 | 1.37× | 2.90× | ||
| Q1 24 | 0.86× | -2.82× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BCML
Segment breakdown not available.
FF
| Chemicals | $18.0M | 91% |
| Biofuels | $1.8M | 9% |
