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Side-by-side financial comparison of BayCom Corp (BCML) and Owlet, Inc. (OWLT). Click either name above to swap in a different company.
Owlet, Inc. is the larger business by last-quarter revenue ($26.6M vs $25.9M, roughly 1.0× BayCom Corp). BayCom Corp runs the higher net margin — 26.5% vs -34.6%, a 61.1% gap on every dollar of revenue. On growth, Owlet, Inc. posted the faster year-over-year revenue change (29.6% vs 9.4%). BayCom Corp produced more free cash flow last quarter ($30.1M vs $-651.0K). Over the past eight quarters, Owlet, Inc.'s revenue compounded faster (34.2% CAGR vs 2.9%).
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.
Owlet, Inc. is a pediatric health technology firm that develops smart wearable monitoring products for infants, most notably its signature smart sock that tracks real-time heart rate, oxygen levels, and sleep metrics. It serves global consumer markets across North America, Europe, and Asia-Pacific, distributing products via direct-to-consumer e-commerce and partnered retail outlets, focused on supporting parental peace of mind and infant health safety.
BCML vs OWLT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.9M | $26.6M |
| Net Profit | $6.9M | $-9.2M |
| Gross Margin | — | 47.6% |
| Operating Margin | 36.6% | -18.4% |
| Net Margin | 26.5% | -34.6% |
| Revenue YoY | 9.4% | 29.6% |
| Net Profit YoY | 12.1% | -1.5% |
| 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 | $26.6M | ||
| Q3 25 | $25.7M | $32.0M | ||
| Q2 25 | $24.7M | $26.1M | ||
| Q1 25 | $24.3M | $21.1M | ||
| Q4 24 | $23.7M | $20.5M | ||
| Q3 24 | $25.6M | $22.1M | ||
| Q2 24 | $23.8M | $20.7M | ||
| Q1 24 | $24.5M | $14.8M |
| Q4 25 | $6.9M | $-9.2M | ||
| Q3 25 | $5.0M | $4.1M | ||
| Q2 25 | $6.4M | $-37.6M | ||
| Q1 25 | $5.7M | $3.0M | ||
| Q4 24 | $6.1M | $-9.1M | ||
| Q3 24 | $6.0M | $-5.6M | ||
| Q2 24 | $5.6M | $-1.1M | ||
| Q1 24 | $5.9M | $3.3M |
| Q4 25 | — | 47.6% | ||
| Q3 25 | — | 50.6% | ||
| Q2 25 | — | 51.3% | ||
| Q1 25 | — | 53.7% | ||
| Q4 24 | — | 53.5% | ||
| Q3 24 | — | 52.2% | ||
| Q2 24 | — | 49.5% | ||
| Q1 24 | — | 44.4% |
| Q4 25 | 36.6% | -18.4% | ||
| Q3 25 | 26.3% | 3.8% | ||
| Q2 25 | 35.3% | -7.4% | ||
| Q1 25 | 31.6% | -12.7% | ||
| Q4 24 | 34.2% | -36.2% | ||
| Q3 24 | 32.4% | -21.8% | ||
| Q2 24 | 31.9% | -10.8% | ||
| Q1 24 | 33.3% | -39.0% |
| Q4 25 | 26.5% | -34.6% | ||
| Q3 25 | 19.5% | 12.9% | ||
| Q2 25 | 25.8% | -144.4% | ||
| Q1 25 | 23.4% | 14.3% | ||
| Q4 24 | 25.9% | -44.2% | ||
| Q3 24 | 23.5% | -25.4% | ||
| Q2 24 | 23.6% | -5.5% | ||
| Q1 24 | 24.0% | 22.2% |
| Q4 25 | $0.63 | — | ||
| Q3 25 | $0.46 | $-0.06 | ||
| Q2 25 | $0.58 | $-2.37 | ||
| Q1 25 | $0.51 | $0.11 | ||
| Q4 24 | $0.55 | $-0.15 | ||
| Q3 24 | $0.54 | $-0.61 | ||
| Q2 24 | $0.50 | $-0.30 | ||
| Q1 24 | $0.51 | $-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 | — | $35.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $338.6M | $19.0M |
| Total Assets | $2.6B | $85.6M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $35.5M | ||
| Q3 25 | — | $23.8M | ||
| Q2 25 | — | $21.8M | ||
| Q1 25 | — | $16.3M | ||
| Q4 24 | — | $20.2M | ||
| Q3 24 | — | $21.6M | ||
| Q2 24 | — | $15.4M | ||
| Q1 24 | — | $18.4M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $2.1M | ||
| Q1 24 | — | $4.0M |
| Q4 25 | $338.6M | $19.0M | ||
| Q3 25 | $334.3M | $-54.1M | ||
| Q2 25 | $330.6M | $-59.2M | ||
| Q1 25 | $329.3M | $-25.8M | ||
| Q4 24 | $324.4M | $-29.8M | ||
| Q3 24 | $321.7M | $-21.5M | ||
| Q2 24 | $315.3M | $-33.4M | ||
| Q1 24 | $314.2M | $-32.9M |
| Q4 25 | $2.6B | $85.6M | ||
| Q3 25 | $2.6B | $74.9M | ||
| Q2 25 | $2.6B | $63.5M | ||
| Q1 25 | $2.6B | $51.4M | ||
| Q4 24 | $2.7B | $49.5M | ||
| Q3 24 | $2.6B | $56.1M | ||
| Q2 24 | $2.6B | $45.9M | ||
| Q1 24 | $2.6B | $43.8M |
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 | $-452.0K |
| Free Cash FlowOCF − Capex | $30.1M | $-651.0K |
| FCF MarginFCF / Revenue | 116.2% | -2.5% |
| Capex IntensityCapex / Revenue | 6.7% | 0.7% |
| Cash ConversionOCF / Net Profit | 4.64× | — |
| TTM Free Cash FlowTrailing 4 quarters | $51.1M | $-11.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $31.8M | $-452.0K | ||
| Q3 25 | $7.3M | $-2.2M | ||
| Q2 25 | $6.4M | $-2.2M | ||
| Q1 25 | $9.3M | $-5.9M | ||
| Q4 24 | $30.4M | $3.0M | ||
| Q3 24 | $9.6M | $-7.5M | ||
| Q2 24 | $7.7M | $-3.4M | ||
| Q1 24 | $5.1M | $-3.4M |
| Q4 25 | $30.1M | $-651.0K | ||
| Q3 25 | $6.2M | $-2.2M | ||
| Q2 25 | $5.6M | $-2.3M | ||
| Q1 25 | $9.1M | $-5.9M | ||
| Q4 24 | $28.7M | $3.0M | ||
| Q3 24 | $9.4M | $-7.5M | ||
| Q2 24 | $7.4M | $-3.4M | ||
| Q1 24 | $3.9M | — |
| Q4 25 | 116.2% | -2.5% | ||
| Q3 25 | 24.3% | -6.8% | ||
| Q2 25 | 22.8% | -8.8% | ||
| Q1 25 | 37.6% | -28.1% | ||
| Q4 24 | 121.1% | 14.5% | ||
| Q3 24 | 36.6% | -33.9% | ||
| Q2 24 | 31.2% | -16.3% | ||
| Q1 24 | 16.1% | — |
| Q4 25 | 6.7% | 0.7% | ||
| Q3 25 | 4.3% | 0.0% | ||
| Q2 25 | 3.0% | 0.2% | ||
| Q1 25 | 0.6% | 0.0% | ||
| Q4 24 | 7.2% | 0.2% | ||
| Q3 24 | 1.0% | 0.0% | ||
| Q2 24 | 1.0% | 0.0% | ||
| Q1 24 | 4.7% | 0.0% |
| Q4 25 | 4.64× | — | ||
| Q3 25 | 1.47× | -0.52× | ||
| Q2 25 | 1.00× | — | ||
| Q1 25 | 1.63× | -1.96× | ||
| Q4 24 | 4.96× | — | ||
| Q3 24 | 1.60× | — | ||
| Q2 24 | 1.37× | — | ||
| Q1 24 | 0.86× | -1.03× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BCML
Segment breakdown not available.
OWLT
| US | $22.7M | 85% |
| Non Us | $3.2M | 12% |
| Other | $651.0K | 2% |
