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Side-by-side financial comparison of BayCom Corp (BCML) and Legacy Education Inc. (LGCY). Click either name above to swap in a different company.
BayCom Corp is the larger business by last-quarter revenue ($25.9M vs $19.2M, roughly 1.3× Legacy Education Inc.). BayCom Corp runs the higher net margin — 26.5% vs 10.6%, a 15.8% gap on every dollar of revenue. On growth, Legacy Education Inc. posted the faster year-over-year revenue change (40.7% vs 9.4%). BayCom Corp produced more free cash flow last quarter ($30.1M vs $512.7K).
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.
Legacy Education Inc. is a professional educational service provider focused on financial literacy, real estate investment, entrepreneurship, and personal wealth management training programs. It mainly serves individual learners across North America, Europe and select Asia-Pacific markets, offering both in-person workshops and online digital courses to help users build practical financial and business skills.
BCML vs LGCY — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $25.9M | $19.2M |
| Net Profit | $6.9M | $2.0M |
| Gross Margin | — | — |
| Operating Margin | 36.6% | 13.3% |
| Net Margin | 26.5% | 10.6% |
| Revenue YoY | 9.4% | 40.7% |
| Net Profit YoY | 12.1% | 46.0% |
| EPS (diluted) | $0.63 | $0.15 |
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 | $19.2M | ||
| Q3 25 | $25.7M | $19.4M | ||
| Q2 25 | $24.7M | $18.0M | ||
| Q1 25 | $24.3M | $18.6M | ||
| Q4 24 | $23.7M | $13.6M | ||
| Q3 24 | $25.6M | $14.0M | ||
| Q2 24 | $23.8M | — | ||
| Q1 24 | $24.5M | — |
| Q4 25 | $6.9M | $2.0M | ||
| Q3 25 | $5.0M | $2.2M | ||
| Q2 25 | $6.4M | $1.2M | ||
| Q1 25 | $5.7M | $2.8M | ||
| Q4 24 | $6.1M | $1.4M | ||
| Q3 24 | $6.0M | $2.1M | ||
| Q2 24 | $5.6M | — | ||
| Q1 24 | $5.9M | — |
| Q4 25 | 36.6% | 13.3% | ||
| Q3 25 | 26.3% | 13.9% | ||
| Q2 25 | 35.3% | 11.1% | ||
| Q1 25 | 31.6% | 19.7% | ||
| Q4 24 | 34.2% | 12.2% | ||
| Q3 24 | 32.4% | 19.1% | ||
| Q2 24 | 31.9% | — | ||
| Q1 24 | 33.3% | — |
| Q4 25 | 26.5% | 10.6% | ||
| Q3 25 | 19.5% | 11.3% | ||
| Q2 25 | 25.8% | 6.8% | ||
| Q1 25 | 23.4% | 15.2% | ||
| Q4 24 | 25.9% | 10.3% | ||
| Q3 24 | 23.5% | 14.9% | ||
| Q2 24 | 23.6% | — | ||
| Q1 24 | 24.0% | — |
| Q4 25 | $0.63 | $0.15 | ||
| Q3 25 | $0.46 | $0.16 | ||
| Q2 25 | $0.58 | $0.07 | ||
| Q1 25 | $0.51 | $0.21 | ||
| Q4 24 | $0.55 | $0.10 | ||
| Q3 24 | $0.54 | $0.21 | ||
| Q2 24 | $0.50 | — | ||
| Q1 24 | $0.51 | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $21.1M |
| Total DebtLower is stronger | — | $660.3K |
| Stockholders' EquityBook value | $338.6M | $46.1M |
| Total Assets | $2.6B | $73.1M |
| Debt / EquityLower = less leverage | — | 0.01× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $21.1M | ||
| Q3 25 | — | $20.6M | ||
| Q2 25 | — | $20.3M | ||
| Q1 25 | — | $17.3M | ||
| Q4 24 | — | $16.9M | ||
| Q3 24 | — | $21.5M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | $660.3K | ||
| Q3 25 | — | $776.9K | ||
| Q2 25 | — | $1.4M | ||
| Q1 25 | — | $1.0M | ||
| Q4 24 | — | $1.1M | ||
| Q3 24 | — | $758.2K | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $338.6M | $46.1M | ||
| Q3 25 | $334.3M | $43.7M | ||
| Q2 25 | $330.6M | $41.0M | ||
| Q1 25 | $329.3M | $39.3M | ||
| Q4 24 | $324.4M | $36.4M | ||
| Q3 24 | $321.7M | $32.6M | ||
| Q2 24 | $315.3M | — | ||
| Q1 24 | $314.2M | — |
| Q4 25 | $2.6B | $73.1M | ||
| Q3 25 | $2.6B | $72.1M | ||
| Q2 25 | $2.6B | $69.2M | ||
| Q1 25 | $2.6B | $67.1M | ||
| Q4 24 | $2.7B | $62.1M | ||
| Q3 24 | $2.6B | $50.6M | ||
| Q2 24 | $2.6B | — | ||
| Q1 24 | $2.6B | — |
| Q4 25 | — | 0.01× | ||
| Q3 25 | — | 0.02× | ||
| Q2 25 | — | 0.03× | ||
| Q1 25 | — | 0.03× | ||
| Q4 24 | — | 0.03× | ||
| Q3 24 | — | 0.02× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $1.1M |
| Free Cash FlowOCF − Capex | $30.1M | $512.7K |
| FCF MarginFCF / Revenue | 116.2% | 2.7% |
| Capex IntensityCapex / Revenue | 6.7% | 2.8% |
| Cash ConversionOCF / Net Profit | 4.64× | 0.52× |
| TTM Free Cash FlowTrailing 4 quarters | $51.1M | $4.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $31.8M | $1.1M | ||
| Q3 25 | $7.3M | $1.1M | ||
| Q2 25 | $6.4M | $3.0M | ||
| Q1 25 | $9.3M | $918.7K | ||
| Q4 24 | $30.4M | $659.0K | ||
| Q3 24 | $9.6M | $3.2M | ||
| Q2 24 | $7.7M | — | ||
| Q1 24 | $5.1M | — |
| Q4 25 | $30.1M | $512.7K | ||
| Q3 25 | $6.2M | $809.7K | ||
| Q2 25 | $5.6M | $2.9M | ||
| Q1 25 | $9.1M | $596.6K | ||
| Q4 24 | $28.7M | $466.8K | ||
| Q3 24 | $9.4M | $2.9M | ||
| Q2 24 | $7.4M | — | ||
| Q1 24 | $3.9M | — |
| Q4 25 | 116.2% | 2.7% | ||
| Q3 25 | 24.3% | 4.2% | ||
| Q2 25 | 22.8% | 16.2% | ||
| Q1 25 | 37.6% | 3.2% | ||
| Q4 24 | 121.1% | 3.4% | ||
| Q3 24 | 36.6% | 21.1% | ||
| Q2 24 | 31.2% | — | ||
| Q1 24 | 16.1% | — |
| Q4 25 | 6.7% | 2.8% | ||
| Q3 25 | 4.3% | 1.3% | ||
| Q2 25 | 3.0% | 0.5% | ||
| Q1 25 | 0.6% | 1.7% | ||
| Q4 24 | 7.2% | 1.4% | ||
| Q3 24 | 1.0% | 1.7% | ||
| Q2 24 | 1.0% | — | ||
| Q1 24 | 4.7% | — |
| Q4 25 | 4.64× | 0.52× | ||
| Q3 25 | 1.47× | 0.48× | ||
| Q2 25 | 1.00× | 2.45× | ||
| Q1 25 | 1.63× | 0.33× | ||
| Q4 24 | 4.96× | 0.47× | ||
| Q3 24 | 1.60× | 1.52× | ||
| Q2 24 | 1.37× | — | ||
| Q1 24 | 0.86× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
