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Side-by-side financial comparison of BayCom Corp (BCML) and Massimo Group (MAMO). Click either name above to swap in a different company.
BayCom Corp is the larger business by last-quarter revenue ($25.9M vs $21.0M, roughly 1.2× Massimo Group). BayCom Corp runs the higher net margin — 26.5% vs 9.5%, a 17.0% gap on every dollar of revenue. On growth, Massimo Group posted the faster year-over-year revenue change (15.7% vs 9.4%). Over the past eight quarters, BayCom Corp's revenue compounded faster (2.9% CAGR vs -16.5%).
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.
Massimo Dutti, S.A. is a Spanish premium clothing retailer specializing in cashmere and wool products, established in 1985 and owned by Spanish multinational company Inditex, the parent company of Zara, Pull&Bear, and other brands.
BCML vs MAMO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.9M | $21.0M |
| Net Profit | $6.9M | $2.0M |
| Gross Margin | — | 41.5% |
| Operating Margin | 36.6% | 13.1% |
| Net Margin | 26.5% | 9.5% |
| Revenue YoY | 9.4% | 15.7% |
| Net Profit YoY | 12.1% | 215.0% |
| EPS (diluted) | $0.63 | $0.05 |
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 | $21.0M | ||
| Q3 25 | $25.7M | $17.0M | ||
| Q2 25 | $24.7M | $18.9M | ||
| Q1 25 | $24.3M | $14.9M | ||
| Q4 24 | $23.7M | $18.2M | ||
| Q3 24 | $25.6M | $25.6M | ||
| Q2 24 | $23.8M | $35.4M | ||
| Q1 24 | $24.5M | $30.2M |
| Q4 25 | $6.9M | $2.0M | ||
| Q3 25 | $5.0M | $1.5M | ||
| Q2 25 | $6.4M | $77.7K | ||
| Q1 25 | $5.7M | $-2.1M | ||
| Q4 24 | $6.1M | $-1.7M | ||
| Q3 24 | $6.0M | $-2.5M | ||
| Q2 24 | $5.6M | $2.8M | ||
| Q1 24 | $5.9M | $3.2M |
| Q4 25 | — | 41.5% | ||
| Q3 25 | — | 42.0% | ||
| Q2 25 | — | 36.3% | ||
| Q1 25 | — | 28.4% | ||
| Q4 24 | — | 19.6% | ||
| Q3 24 | — | 27.2% | ||
| Q2 24 | — | 32.5% | ||
| Q1 24 | — | 34.7% |
| Q4 25 | 36.6% | 13.1% | ||
| Q3 25 | 26.3% | 10.5% | ||
| Q2 25 | 35.3% | 0.8% | ||
| Q1 25 | 31.6% | -18.2% | ||
| Q4 24 | 34.2% | -15.4% | ||
| Q3 24 | 32.4% | 1.2% | ||
| Q2 24 | 31.9% | 10.1% | ||
| Q1 24 | 33.3% | 13.2% |
| Q4 25 | 26.5% | 9.5% | ||
| Q3 25 | 19.5% | 9.0% | ||
| Q2 25 | 25.8% | 0.4% | ||
| Q1 25 | 23.4% | -14.0% | ||
| Q4 24 | 25.9% | -9.5% | ||
| Q3 24 | 23.5% | -9.8% | ||
| Q2 24 | 23.6% | 8.0% | ||
| Q1 24 | 24.0% | 10.6% |
| Q4 25 | $0.63 | $0.05 | ||
| Q3 25 | $0.46 | $0.04 | ||
| Q2 25 | $0.58 | $0.00 | ||
| Q1 25 | $0.51 | $-0.05 | ||
| Q4 24 | $0.55 | $-0.05 | ||
| Q3 24 | $0.54 | $-0.06 | ||
| Q2 24 | $0.50 | $0.07 | ||
| Q1 24 | $0.51 | $0.08 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $5.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $338.6M | $23.7M |
| Total Assets | $2.6B | $51.4M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $5.8M | ||
| Q3 25 | — | $2.6M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $3.0M | ||
| Q4 24 | — | $10.2M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $338.6M | $23.7M | ||
| Q3 25 | $334.3M | $21.7M | ||
| Q2 25 | $330.6M | $20.2M | ||
| Q1 25 | $329.3M | $19.9M | ||
| Q4 24 | $324.4M | $21.7M | ||
| Q3 24 | $321.7M | $22.5M | ||
| Q2 24 | $315.3M | $24.7M | ||
| Q1 24 | $314.2M | $18.1M |
| Q4 25 | $2.6B | $51.4M | ||
| Q3 25 | $2.6B | $44.4M | ||
| Q2 25 | $2.6B | $45.9M | ||
| Q1 25 | $2.6B | $46.4M | ||
| Q4 24 | $2.7B | $54.9M | ||
| Q3 24 | $2.6B | $57.1M | ||
| Q2 24 | $2.6B | $49.9M | ||
| Q1 24 | $2.6B | $47.3M |
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 | $4.0M |
| Free Cash FlowOCF − Capex | $30.1M | — |
| FCF MarginFCF / Revenue | 116.2% | — |
| Capex IntensityCapex / Revenue | 6.7% | — |
| Cash ConversionOCF / Net Profit | 4.64× | 2.01× |
| TTM Free Cash FlowTrailing 4 quarters | $51.1M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $31.8M | $4.0M | ||
| Q3 25 | $7.3M | $633.2K | ||
| Q2 25 | $6.4M | $-1.4M | ||
| Q1 25 | $9.3M | $-3.3M | ||
| Q4 24 | $30.4M | $9.1M | ||
| Q3 24 | $9.6M | $4.7M | ||
| Q2 24 | $7.7M | $-6.5M | ||
| Q1 24 | $5.1M | $-637.0K |
| Q4 25 | $30.1M | — | ||
| Q3 25 | $6.2M | — | ||
| Q2 25 | $5.6M | — | ||
| Q1 25 | $9.1M | — | ||
| Q4 24 | $28.7M | $9.0M | ||
| Q3 24 | $9.4M | $4.6M | ||
| Q2 24 | $7.4M | $-6.7M | ||
| Q1 24 | $3.9M | $-741.4K |
| Q4 25 | 116.2% | — | ||
| Q3 25 | 24.3% | — | ||
| Q2 25 | 22.8% | — | ||
| Q1 25 | 37.6% | — | ||
| Q4 24 | 121.1% | 49.7% | ||
| Q3 24 | 36.6% | 18.1% | ||
| Q2 24 | 31.2% | -19.0% | ||
| Q1 24 | 16.1% | -2.5% |
| Q4 25 | 6.7% | — | ||
| Q3 25 | 4.3% | — | ||
| Q2 25 | 3.0% | — | ||
| Q1 25 | 0.6% | — | ||
| Q4 24 | 7.2% | 0.2% | ||
| Q3 24 | 1.0% | 0.3% | ||
| Q2 24 | 1.0% | 0.7% | ||
| Q1 24 | 4.7% | 0.3% |
| Q4 25 | 4.64× | 2.01× | ||
| Q3 25 | 1.47× | 0.41× | ||
| Q2 25 | 1.00× | -17.92× | ||
| Q1 25 | 1.63× | — | ||
| Q4 24 | 4.96× | — | ||
| Q3 24 | 1.60× | — | ||
| Q2 24 | 1.37× | -2.30× | ||
| Q1 24 | 0.86× | -0.20× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
