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Side-by-side financial comparison of BayCom Corp (BCML) and ON24 INC. (ONTF). Click either name above to swap in a different company.
ON24 INC. is the larger business by last-quarter revenue ($34.6M vs $25.9M, roughly 1.3× BayCom Corp). BayCom Corp runs the higher net margin — 26.5% vs -18.8%, a 45.2% gap on every dollar of revenue. On growth, BayCom Corp posted the faster year-over-year revenue change (9.4% vs -5.6%). BayCom Corp produced more free cash flow last quarter ($30.1M vs $-2.2M). Over the past eight quarters, BayCom Corp's revenue compounded faster (2.9% CAGR vs -4.2%).
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.
ON24 Inc., a San Francisco-based company, is a cloud-based platform that develops and sells web-based webinar, virtual conferencing, content hub, and landing page applications as a service for marketing and sales teams in B2B organizations. In 2023 it expanded its offerings to include generative AI services.
BCML vs ONTF — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.9M | $34.6M |
| Net Profit | $6.9M | $-6.5M |
| Gross Margin | — | 74.9% |
| Operating Margin | 36.6% | -23.5% |
| Net Margin | 26.5% | -18.8% |
| Revenue YoY | 9.4% | -5.6% |
| Net Profit YoY | 12.1% | 26.8% |
| 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 | $34.6M | ||
| Q3 25 | $25.7M | $34.6M | ||
| Q2 25 | $24.7M | $35.3M | ||
| Q1 25 | $24.3M | $34.7M | ||
| Q4 24 | $23.7M | $36.7M | ||
| Q3 24 | $25.6M | $36.3M | ||
| Q2 24 | $23.8M | $37.3M | ||
| Q1 24 | $24.5M | $37.7M |
| Q4 25 | $6.9M | $-6.5M | ||
| Q3 25 | $5.0M | $-6.4M | ||
| Q2 25 | $6.4M | $-7.3M | ||
| Q1 25 | $5.7M | $-8.7M | ||
| Q4 24 | $6.1M | $-8.9M | ||
| Q3 24 | $6.0M | $-11.4M | ||
| Q2 24 | $5.6M | $-11.2M | ||
| Q1 24 | $5.9M | $-10.7M |
| Q4 25 | — | 74.9% | ||
| Q3 25 | — | 74.7% | ||
| Q2 25 | — | 75.1% | ||
| Q1 25 | — | 73.8% | ||
| Q4 24 | — | 74.5% | ||
| Q3 24 | — | 74.3% | ||
| Q2 24 | — | 74.5% | ||
| Q1 24 | — | 74.1% |
| Q4 25 | 36.6% | -23.5% | ||
| Q3 25 | 26.3% | -23.1% | ||
| Q2 25 | 35.3% | -26.0% | ||
| Q1 25 | 31.6% | -30.1% | ||
| Q4 24 | 34.2% | -32.1% | ||
| Q3 24 | 32.4% | -36.7% | ||
| Q2 24 | 31.9% | -35.0% | ||
| Q1 24 | 33.3% | -33.1% |
| Q4 25 | 26.5% | -18.8% | ||
| Q3 25 | 19.5% | -18.4% | ||
| Q2 25 | 25.8% | -20.6% | ||
| Q1 25 | 23.4% | -25.1% | ||
| Q4 24 | 25.9% | -24.2% | ||
| Q3 24 | 23.5% | -31.4% | ||
| Q2 24 | 23.6% | -29.9% | ||
| Q1 24 | 24.0% | -28.4% |
| Q4 25 | $0.63 | $-0.15 | ||
| Q3 25 | $0.46 | $-0.15 | ||
| Q2 25 | $0.58 | $-0.17 | ||
| Q1 25 | $0.51 | $-0.21 | ||
| Q4 24 | $0.55 | $-0.21 | ||
| Q3 24 | $0.54 | $-0.27 | ||
| Q2 24 | $0.50 | $-0.27 | ||
| Q1 24 | $0.51 | $-0.26 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $37.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $338.6M | $139.4M |
| Total Assets | $2.6B | $228.4M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $37.0M | ||
| Q3 25 | — | $47.2M | ||
| Q2 25 | — | $37.7M | ||
| Q1 25 | — | $26.8M | ||
| Q4 24 | — | $14.9M | ||
| Q3 24 | — | $11.0M | ||
| Q2 24 | — | $15.5M | ||
| Q1 24 | — | $18.3M |
| Q4 25 | $338.6M | $139.4M | ||
| Q3 25 | $334.3M | $144.3M | ||
| Q2 25 | $330.6M | $150.0M | ||
| Q1 25 | $329.3M | $153.7M | ||
| Q4 24 | $324.4M | $159.4M | ||
| Q3 24 | $321.7M | $164.9M | ||
| Q2 24 | $315.3M | $170.8M | ||
| Q1 24 | $314.2M | $174.4M |
| Q4 25 | $2.6B | $228.4M | ||
| Q3 25 | $2.6B | $224.8M | ||
| Q2 25 | $2.6B | $235.1M | ||
| Q1 25 | $2.6B | $245.8M | ||
| Q4 24 | $2.7B | $251.0M | ||
| Q3 24 | $2.6B | $250.9M | ||
| Q2 24 | $2.6B | $259.0M | ||
| Q1 24 | $2.6B | $269.2M |
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 | $-2.2M |
| FCF MarginFCF / Revenue | 116.2% | -6.4% |
| Capex IntensityCapex / Revenue | 6.7% | 3.3% |
| Cash ConversionOCF / Net Profit | 4.64× | — |
| TTM Free Cash FlowTrailing 4 quarters | $51.1M | $4.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $31.8M | $-1.1M | ||
| Q3 25 | $7.3M | $2.5M | ||
| Q2 25 | $6.4M | $2.6M | ||
| Q1 25 | $9.3M | $3.4M | ||
| Q4 24 | $30.4M | $985.0K | ||
| Q3 24 | $9.6M | $295.0K | ||
| Q2 24 | $7.7M | $1.4M | ||
| Q1 24 | $5.1M | $2.1M |
| Q4 25 | $30.1M | $-2.2M | ||
| Q3 25 | $6.2M | $2.2M | ||
| Q2 25 | $5.6M | $2.1M | ||
| Q1 25 | $9.1M | $1.9M | ||
| Q4 24 | $28.7M | $424.0K | ||
| Q3 24 | $9.4M | $143.0K | ||
| Q2 24 | $7.4M | $898.0K | ||
| Q1 24 | $3.9M | $1.1M |
| Q4 25 | 116.2% | -6.4% | ||
| Q3 25 | 24.3% | 6.2% | ||
| Q2 25 | 22.8% | 5.9% | ||
| Q1 25 | 37.6% | 5.6% | ||
| Q4 24 | 121.1% | 1.2% | ||
| Q3 24 | 36.6% | 0.4% | ||
| Q2 24 | 31.2% | 2.4% | ||
| Q1 24 | 16.1% | 2.9% |
| Q4 25 | 6.7% | 3.3% | ||
| Q3 25 | 4.3% | 1.1% | ||
| Q2 25 | 3.0% | 1.4% | ||
| Q1 25 | 0.6% | 4.2% | ||
| Q4 24 | 7.2% | 1.5% | ||
| Q3 24 | 1.0% | 0.4% | ||
| Q2 24 | 1.0% | 1.3% | ||
| 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× | — | ||
| 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.
