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Side-by-side financial comparison of BayCom Corp (BCML) and OCULAR THERAPEUTIX, INC (OCUL). Click either name above to swap in a different company.
BayCom Corp is the larger business by last-quarter revenue ($25.9M vs $13.3M, roughly 2.0× OCULAR THERAPEUTIX, INC). BayCom Corp runs the higher net margin — 26.5% vs -488.0%, a 514.4% gap on every dollar of revenue. On growth, BayCom Corp posted the faster year-over-year revenue change (9.4% vs -22.4%). BayCom Corp produced more free cash flow last quarter ($30.1M vs $-57.1M). Over the past eight quarters, BayCom Corp's revenue compounded faster (2.9% CAGR vs -5.3%).
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.
Ocular Therapeutix, Inc. is a biopharmaceutical firm specializing in developing and commercializing innovative ophthalmic therapies. Its products treat acute and chronic eye conditions including post-surgical pain, glaucoma, and dry eye, serving patients and ophthalmology providers primarily across the U.S. and select global markets.
BCML vs OCUL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.9M | $13.3M |
| Net Profit | $6.9M | $-64.7M |
| Gross Margin | — | 88.0% |
| Operating Margin | 36.6% | -526.5% |
| Net Margin | 26.5% | -488.0% |
| Revenue YoY | 9.4% | -22.4% |
| Net Profit YoY | 12.1% | -33.6% |
| EPS (diluted) | $0.63 | $-0.27 |
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 | $13.3M | ||
| Q3 25 | $25.7M | $14.5M | ||
| Q2 25 | $24.7M | $13.5M | ||
| Q1 25 | $24.3M | $10.7M | ||
| Q4 24 | $23.7M | $17.1M | ||
| Q3 24 | $25.6M | $15.4M | ||
| Q2 24 | $23.8M | $16.4M | ||
| Q1 24 | $24.5M | $14.8M |
| Q4 25 | $6.9M | $-64.7M | ||
| Q3 25 | $5.0M | $-69.4M | ||
| Q2 25 | $6.4M | $-67.8M | ||
| Q1 25 | $5.7M | $-64.1M | ||
| Q4 24 | $6.1M | $-48.4M | ||
| Q3 24 | $6.0M | $-36.5M | ||
| Q2 24 | $5.6M | $-43.8M | ||
| Q1 24 | $5.9M | $-64.8M |
| Q4 25 | — | 88.0% | ||
| Q3 25 | — | 87.8% | ||
| Q2 25 | — | 85.6% | ||
| Q1 25 | — | 88.2% | ||
| Q4 24 | — | 92.8% | ||
| Q3 24 | — | 89.9% | ||
| Q2 24 | — | 90.8% | ||
| Q1 24 | — | 91.0% |
| Q4 25 | 36.6% | -526.5% | ||
| Q3 25 | 26.3% | -472.3% | ||
| Q2 25 | 35.3% | -502.6% | ||
| Q1 25 | 31.6% | -597.5% | ||
| Q4 24 | 34.2% | -296.1% | ||
| Q3 24 | 32.4% | -298.2% | ||
| Q2 24 | 31.9% | -265.1% | ||
| Q1 24 | 33.3% | -214.0% |
| Q4 25 | 26.5% | -488.0% | ||
| Q3 25 | 19.5% | -477.3% | ||
| Q2 25 | 25.8% | -503.9% | ||
| Q1 25 | 23.4% | -598.7% | ||
| Q4 24 | 25.9% | -283.3% | ||
| Q3 24 | 23.5% | -236.6% | ||
| Q2 24 | 23.6% | -266.3% | ||
| Q1 24 | 24.0% | -438.9% |
| Q4 25 | $0.63 | $-0.27 | ||
| Q3 25 | $0.46 | $-0.38 | ||
| Q2 25 | $0.58 | $-0.39 | ||
| Q1 25 | $0.51 | $-0.38 | ||
| Q4 24 | $0.55 | $-0.25 | ||
| Q3 24 | $0.54 | $-0.22 | ||
| Q2 24 | $0.50 | $-0.26 | ||
| Q1 24 | $0.51 | $-0.49 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $737.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $338.6M | $654.3M |
| Total Assets | $2.6B | $808.1M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $737.1M | ||
| Q3 25 | — | $344.8M | ||
| Q2 25 | — | $391.1M | ||
| Q1 25 | — | $349.7M | ||
| Q4 24 | — | $392.1M | ||
| Q3 24 | — | $427.2M | ||
| Q2 24 | — | $459.7M | ||
| Q1 24 | — | $482.9M |
| Q4 25 | $338.6M | $654.3M | ||
| Q3 25 | $334.3M | $258.2M | ||
| Q2 25 | $330.6M | $305.9M | ||
| Q1 25 | $329.3M | $265.9M | ||
| Q4 24 | $324.4M | $315.3M | ||
| Q3 24 | $321.7M | $352.0M | ||
| Q2 24 | $315.3M | $377.7M | ||
| Q1 24 | $314.2M | $408.0M |
| Q4 25 | $2.6B | $808.1M | ||
| Q3 25 | $2.6B | $410.9M | ||
| Q2 25 | $2.6B | $451.3M | ||
| Q1 25 | $2.6B | $405.9M | ||
| Q4 24 | $2.7B | $457.9M | ||
| Q3 24 | $2.6B | $490.4M | ||
| Q2 24 | $2.6B | $517.1M | ||
| Q1 24 | $2.6B | $538.9M |
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 | $-54.2M |
| Free Cash FlowOCF − Capex | $30.1M | $-57.1M |
| FCF MarginFCF / Revenue | 116.2% | -430.9% |
| Capex IntensityCapex / Revenue | 6.7% | 21.4% |
| Cash ConversionOCF / Net Profit | 4.64× | — |
| TTM Free Cash FlowTrailing 4 quarters | $51.1M | $-216.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $31.8M | $-54.2M | ||
| Q3 25 | $7.3M | $-50.7M | ||
| Q2 25 | $6.4M | $-55.2M | ||
| Q1 25 | $9.3M | $-44.7M | ||
| Q4 24 | $30.4M | $-39.4M | ||
| Q3 24 | $9.6M | $-36.6M | ||
| Q2 24 | $7.7M | $-24.8M | ||
| Q1 24 | $5.1M | $-33.9M |
| Q4 25 | $30.1M | $-57.1M | ||
| Q3 25 | $6.2M | $-56.7M | ||
| Q2 25 | $5.6M | $-56.5M | ||
| Q1 25 | $9.1M | $-46.6M | ||
| Q4 24 | $28.7M | $-39.6M | ||
| Q3 24 | $9.4M | $-36.6M | ||
| Q2 24 | $7.4M | $-25.5M | ||
| Q1 24 | $3.9M | $-34.1M |
| Q4 25 | 116.2% | -430.9% | ||
| Q3 25 | 24.3% | -390.0% | ||
| Q2 25 | 22.8% | -419.7% | ||
| Q1 25 | 37.6% | -435.6% | ||
| Q4 24 | 121.1% | -232.0% | ||
| Q3 24 | 36.6% | -237.6% | ||
| Q2 24 | 31.2% | -155.4% | ||
| Q1 24 | 16.1% | -231.1% |
| Q4 25 | 6.7% | 21.4% | ||
| Q3 25 | 4.3% | 41.2% | ||
| Q2 25 | 3.0% | 9.3% | ||
| Q1 25 | 0.6% | 18.1% | ||
| Q4 24 | 7.2% | 1.2% | ||
| Q3 24 | 1.0% | 0.6% | ||
| Q2 24 | 1.0% | 4.5% | ||
| Q1 24 | 4.7% | 1.7% |
| 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× | — | ||
| Q1 24 | 0.86× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
