vs
Side-by-side financial comparison of BayCom Corp (BCML) and FGI Industries Ltd. (FGI). Click either name above to swap in a different company.
FGI Industries Ltd. is the larger business by last-quarter revenue ($30.5M vs $25.9M, roughly 1.2× BayCom Corp). BayCom Corp runs the higher net margin — 26.5% vs -8.6%, a 35.1% gap on every dollar of revenue. On growth, BayCom Corp posted the faster year-over-year revenue change (9.4% vs -14.4%). BayCom Corp produced more free cash flow last quarter ($30.1M vs $2.3M). Over the past eight quarters, BayCom Corp's revenue compounded faster (2.9% CAGR vs -0.5%).
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.
FGI Industries Ltd is a global designer, manufacturer and distributor of kitchen and bath products, home organization solutions, and home improvement goods. It serves major retail chains, home specialty stores and e-commerce platforms across North America, Europe and the Asia-Pacific region.
BCML vs FGI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.9M | $30.5M |
| Net Profit | $6.9M | $-2.6M |
| Gross Margin | — | 26.7% |
| Operating Margin | 36.6% | -2.2% |
| Net Margin | 26.5% | -8.6% |
| Revenue YoY | 9.4% | -14.4% |
| Net Profit YoY | 12.1% | -553.1% |
| EPS (diluted) | $0.63 | $-1.63 |
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 | $25.9M | $30.5M | ||
| Q3 25 | $25.7M | $35.8M | ||
| Q2 25 | $24.7M | $31.0M | ||
| Q1 25 | $24.3M | $33.2M | ||
| Q4 24 | $23.7M | $35.6M | ||
| Q3 24 | $25.6M | $36.1M | ||
| Q2 24 | $23.8M | $29.4M | ||
| Q1 24 | $24.5M | $30.8M |
| Q4 25 | $6.9M | $-2.6M | ||
| Q3 25 | $5.0M | $-1.7M | ||
| Q2 25 | $6.4M | $-1.2M | ||
| Q1 25 | $5.7M | $-629.1K | ||
| Q4 24 | $6.1M | $-402.3K | ||
| Q3 24 | $6.0M | $-550.1K | ||
| Q2 24 | $5.6M | $163.6K | ||
| Q1 24 | $5.9M | $-412.2K |
| Q4 25 | — | 26.7% | ||
| Q3 25 | — | 26.5% | ||
| Q2 25 | — | 28.1% | ||
| Q1 25 | — | 26.8% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 25.8% | ||
| Q2 24 | — | 30.5% | ||
| Q1 24 | — | 27.4% |
| Q4 25 | 36.6% | -2.2% | ||
| Q3 25 | 26.3% | 1.0% | ||
| Q2 25 | 35.3% | -2.7% | ||
| Q1 25 | 31.6% | -3.9% | ||
| Q4 24 | 34.2% | -3.5% | ||
| Q3 24 | 32.4% | -0.2% | ||
| Q2 24 | 31.9% | -1.5% | ||
| Q1 24 | 33.3% | -1.0% |
| Q4 25 | 26.5% | -8.6% | ||
| Q3 25 | 19.5% | -4.6% | ||
| Q2 25 | 25.8% | -4.0% | ||
| Q1 25 | 23.4% | -1.9% | ||
| Q4 24 | 25.9% | -1.1% | ||
| Q3 24 | 23.5% | -1.5% | ||
| Q2 24 | 23.6% | 0.6% | ||
| Q1 24 | 24.0% | -1.3% |
| Q4 25 | $0.63 | $-1.63 | ||
| Q3 25 | $0.46 | $-0.86 | ||
| Q2 25 | $0.58 | $-0.64 | ||
| Q1 25 | $0.51 | $-0.07 | ||
| Q4 24 | $0.55 | $-0.38 | ||
| Q3 24 | $0.54 | $-0.29 | ||
| Q2 24 | $0.50 | $0.08 | ||
| Q1 24 | $0.51 | $-0.04 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $1.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $338.6M | $17.3M |
| Total Assets | $2.6B | $69.5M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $1.9M | ||
| Q3 25 | — | $1.9M | ||
| Q2 25 | — | $2.5M | ||
| Q1 25 | — | $1.2M | ||
| Q4 24 | — | $4.6M | ||
| Q3 24 | — | $3.0M | ||
| Q2 24 | — | $1.3M | ||
| Q1 24 | — | $3.3M |
| Q4 25 | $338.6M | $17.3M | ||
| Q3 25 | $334.3M | $19.7M | ||
| Q2 25 | $330.6M | $21.3M | ||
| Q1 25 | $329.3M | $21.8M | ||
| Q4 24 | $324.4M | $22.3M | ||
| Q3 24 | $321.7M | $23.5M | ||
| Q2 24 | $315.3M | $23.8M | ||
| Q1 24 | $314.2M | $23.9M |
| Q4 25 | $2.6B | $69.5M | ||
| Q3 25 | $2.6B | $73.0M | ||
| Q2 25 | $2.6B | $71.7M | ||
| Q1 25 | $2.6B | $68.5M | ||
| Q4 24 | $2.7B | $75.5M | ||
| Q3 24 | $2.6B | $74.7M | ||
| Q2 24 | $2.6B | $69.9M | ||
| Q1 24 | $2.6B | $68.6M |
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 | $2.3M |
| Free Cash FlowOCF − Capex | $30.1M | $2.3M |
| FCF MarginFCF / Revenue | 116.2% | 7.5% |
| Capex IntensityCapex / Revenue | 6.7% | 0.2% |
| Cash ConversionOCF / Net Profit | 4.64× | — |
| TTM Free Cash FlowTrailing 4 quarters | $51.1M | $-212.5K |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $31.8M | $2.3M | ||
| Q3 25 | $7.3M | $-1.9M | ||
| Q2 25 | $6.4M | $7.6M | ||
| Q1 25 | $9.3M | $-7.4M | ||
| Q4 24 | $30.4M | $617.4K | ||
| Q3 24 | $9.6M | $-915.0K | ||
| Q2 24 | $7.7M | $862.1K | ||
| Q1 24 | $5.1M | $-8.0M |
| Q4 25 | $30.1M | $2.3M | ||
| Q3 25 | $6.2M | $-2.1M | ||
| Q2 25 | $5.6M | $7.4M | ||
| Q1 25 | $9.1M | $-7.7M | ||
| Q4 24 | $28.7M | $-214.1K | ||
| Q3 24 | $9.4M | $-1.1M | ||
| Q2 24 | $7.4M | $281.5K | ||
| Q1 24 | $3.9M | $-8.6M |
| Q4 25 | 116.2% | 7.5% | ||
| Q3 25 | 24.3% | -5.9% | ||
| Q2 25 | 22.8% | 23.8% | ||
| Q1 25 | 37.6% | -23.3% | ||
| Q4 24 | 121.1% | -0.6% | ||
| Q3 24 | 36.6% | -3.0% | ||
| Q2 24 | 31.2% | 1.0% | ||
| Q1 24 | 16.1% | -28.0% |
| Q4 25 | 6.7% | 0.2% | ||
| Q3 25 | 4.3% | 0.7% | ||
| Q2 25 | 3.0% | 0.7% | ||
| Q1 25 | 0.6% | 1.1% | ||
| Q4 24 | 7.2% | 2.3% | ||
| Q3 24 | 1.0% | 0.5% | ||
| Q2 24 | 1.0% | 2.0% | ||
| 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× | 5.27× | ||
| 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.
FGI
| Sanitaryware | $19.1M | 63% |
| Shower System | $5.8M | 19% |
| Kitchen And Bath Other | $3.3M | 11% |
| Bath Furniture Products | $2.3M | 7% |
