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Side-by-side financial comparison of BayCom Corp (BCML) and Inuvo, Inc. (INUV). Click either name above to swap in a different company.
BayCom Corp is the larger business by last-quarter revenue ($25.9M vs $14.3M, roughly 1.8× Inuvo, Inc.). BayCom Corp runs the higher net margin — 26.5% vs -4.2%, a 30.7% gap on every dollar of revenue. On growth, BayCom Corp posted the faster year-over-year revenue change (9.4% vs -45.6%). BayCom Corp produced more free cash flow last quarter ($30.1M vs $-339.9K). Over the past eight quarters, BayCom Corp's revenue compounded faster (2.9% CAGR vs -8.5%).
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.
Inuvo, Inc. is a digital marketing technology firm that develops AI-powered advertising solutions. It offers intent-based audience targeting, performance marketing, and brand awareness services for retail, finance, and consumer goods clients, mainly operating across the North American market.
BCML vs INUV — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.9M | $14.3M |
| Net Profit | $6.9M | $-593.9K |
| Gross Margin | — | 66.4% |
| Operating Margin | 36.6% | -8.5% |
| Net Margin | 26.5% | -4.2% |
| Revenue YoY | 9.4% | -45.6% |
| Net Profit YoY | 12.1% | -520.2% |
| EPS (diluted) | $0.63 | — |
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 | $14.3M | ||
| Q3 25 | $25.7M | $22.6M | ||
| Q2 25 | $24.7M | $22.7M | ||
| Q1 25 | $24.3M | $26.7M | ||
| Q4 24 | $23.7M | $26.2M | ||
| Q3 24 | $25.6M | $22.4M | ||
| Q2 24 | $23.8M | $18.2M | ||
| Q1 24 | $24.5M | $17.0M |
| Q4 25 | $6.9M | $-593.9K | ||
| Q3 25 | $5.0M | $-1.7M | ||
| Q2 25 | $6.4M | $-1.5M | ||
| Q1 25 | $5.7M | $-1.3M | ||
| Q4 24 | $6.1M | $141.3K | ||
| Q3 24 | $6.0M | $-2.0M | ||
| Q2 24 | $5.6M | $-1.7M | ||
| Q1 24 | $5.9M | $-2.1M |
| Q4 25 | — | 66.4% | ||
| Q3 25 | — | 73.4% | ||
| Q2 25 | — | 75.4% | ||
| Q1 25 | — | 79.0% | ||
| Q4 24 | — | 83.1% | ||
| Q3 24 | — | 88.4% | ||
| Q2 24 | — | 84.0% | ||
| Q1 24 | — | 87.7% |
| Q4 25 | 36.6% | -8.5% | ||
| Q3 25 | 26.3% | -7.4% | ||
| Q2 25 | 35.3% | -9.0% | ||
| Q1 25 | 31.6% | -6.6% | ||
| Q4 24 | 34.2% | 0.8% | ||
| Q3 24 | 32.4% | -8.7% | ||
| Q2 24 | 31.9% | -9.3% | ||
| Q1 24 | 33.3% | -12.3% |
| Q4 25 | 26.5% | -4.2% | ||
| Q3 25 | 19.5% | -7.7% | ||
| Q2 25 | 25.8% | -6.6% | ||
| Q1 25 | 23.4% | -4.7% | ||
| Q4 24 | 25.9% | 0.5% | ||
| Q3 24 | 23.5% | -9.1% | ||
| Q2 24 | 23.6% | -9.6% | ||
| Q1 24 | 24.0% | -12.4% |
| Q4 25 | $0.63 | — | ||
| Q3 25 | $0.46 | $-0.12 | ||
| Q2 25 | $0.58 | — | ||
| Q1 25 | $0.51 | $-0.01 | ||
| Q4 24 | $0.55 | $0.14 | ||
| Q3 24 | $0.54 | $-0.15 | ||
| Q2 24 | $0.50 | $-0.01 | ||
| Q1 24 | $0.51 | $-0.02 |
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 | $10.0M |
| Total Assets | $2.6B | $24.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $2.0M | ||
| Q1 24 | — | $2.0M |
| Q4 25 | $338.6M | $10.0M | ||
| Q3 25 | $334.3M | $10.4M | ||
| Q2 25 | $330.6M | $12.1M | ||
| Q1 25 | $329.3M | $13.4M | ||
| Q4 24 | $324.4M | $13.5M | ||
| Q3 24 | $321.7M | $12.4M | ||
| Q2 24 | $315.3M | $13.5M | ||
| Q1 24 | $314.2M | $15.1M |
| Q4 25 | $2.6B | $24.9M | ||
| Q3 25 | $2.6B | $29.9M | ||
| Q2 25 | $2.6B | $28.7M | ||
| Q1 25 | $2.6B | $31.7M | ||
| Q4 24 | $2.7B | $32.2M | ||
| Q3 24 | $2.6B | $29.0M | ||
| Q2 24 | $2.6B | $28.5M | ||
| Q1 24 | $2.6B | $29.8M |
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 | $21.0K |
| Free Cash FlowOCF − Capex | $30.1M | $-339.9K |
| FCF MarginFCF / Revenue | 116.2% | -2.4% |
| Capex IntensityCapex / Revenue | 6.7% | 2.5% |
| Cash ConversionOCF / Net Profit | 4.64× | — |
| TTM Free Cash FlowTrailing 4 quarters | $51.1M | $-3.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $31.8M | $21.0K | ||
| Q3 25 | $7.3M | $-1.6M | ||
| Q2 25 | $6.4M | $143.7K | ||
| Q1 25 | $9.3M | $-366.9K | ||
| Q4 24 | $30.4M | $329.9K | ||
| Q3 24 | $9.6M | $1.1M | ||
| Q2 24 | $7.7M | $195.4K | ||
| Q1 24 | $5.1M | $-1.4M |
| Q4 25 | $30.1M | $-339.9K | ||
| Q3 25 | $6.2M | $-2.0M | ||
| Q2 25 | $5.6M | $-263.1K | ||
| Q1 25 | $9.1M | $-818.6K | ||
| Q4 24 | $28.7M | $-117.7K | ||
| Q3 24 | $9.4M | $584.0K | ||
| Q2 24 | $7.4M | $-266.3K | ||
| Q1 24 | $3.9M | $-1.8M |
| Q4 25 | 116.2% | -2.4% | ||
| Q3 25 | 24.3% | -8.7% | ||
| Q2 25 | 22.8% | -1.2% | ||
| Q1 25 | 37.6% | -3.1% | ||
| Q4 24 | 121.1% | -0.4% | ||
| Q3 24 | 36.6% | 2.6% | ||
| Q2 24 | 31.2% | -1.5% | ||
| Q1 24 | 16.1% | -10.7% |
| Q4 25 | 6.7% | 2.5% | ||
| Q3 25 | 4.3% | 1.7% | ||
| Q2 25 | 3.0% | 1.8% | ||
| Q1 25 | 0.6% | 1.7% | ||
| Q4 24 | 7.2% | 1.7% | ||
| Q3 24 | 1.0% | 2.1% | ||
| Q2 24 | 1.0% | 2.5% | ||
| Q1 24 | 4.7% | 2.8% |
| Q4 25 | 4.64× | — | ||
| Q3 25 | 1.47× | — | ||
| Q2 25 | 1.00× | — | ||
| Q1 25 | 1.63× | — | ||
| Q4 24 | 4.96× | 2.33× | ||
| 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.
