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Side-by-side financial comparison of BayCom Corp (BCML) and READING INTERNATIONAL INC (RDI). Click either name above to swap in a different company.
READING INTERNATIONAL INC is the larger business by last-quarter revenue ($50.3M vs $25.9M, roughly 1.9× BayCom Corp). BayCom Corp runs the higher net margin — 26.5% vs -5.1%, a 31.6% gap on every dollar of revenue. On growth, BayCom Corp posted the faster year-over-year revenue change (9.4% vs -14.2%). BayCom Corp produced more free cash flow last quarter ($30.1M vs $4.1M). Over the past eight quarters, READING INTERNATIONAL INC's revenue compounded faster (5.6% 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.
The Reading Company was a Philadelphia-headquartered railroad that provided passenger and freight transport in eastern Pennsylvania and neighboring states from 1924 until its acquisition by Conrail in 1976.
BCML vs RDI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.9M | $50.3M |
| Net Profit | $6.9M | $-2.6M |
| Gross Margin | — | — |
| Operating Margin | 36.6% | -1.9% |
| Net Margin | 26.5% | -5.1% |
| Revenue YoY | 9.4% | -14.2% |
| Net Profit YoY | 12.1% | -14.5% |
| EPS (diluted) | $0.63 | $-0.11 |
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 | $50.3M | ||
| Q3 25 | $25.7M | $52.2M | ||
| Q2 25 | $24.7M | $60.4M | ||
| Q1 25 | $24.3M | $40.2M | ||
| Q4 24 | $23.7M | $58.6M | ||
| Q3 24 | $25.6M | $60.1M | ||
| Q2 24 | $23.8M | $46.8M | ||
| Q1 24 | $24.5M | $45.1M |
| Q4 25 | $6.9M | $-2.6M | ||
| Q3 25 | $5.0M | $-4.2M | ||
| Q2 25 | $6.4M | $-2.7M | ||
| Q1 25 | $5.7M | $-4.8M | ||
| Q4 24 | $6.1M | $-2.2M | ||
| Q3 24 | $6.0M | $-7.0M | ||
| Q2 24 | $5.6M | $-12.8M | ||
| Q1 24 | $5.9M | $-13.2M |
| Q4 25 | 36.6% | -1.9% | ||
| Q3 25 | 26.3% | -0.6% | ||
| Q2 25 | 35.3% | 4.8% | ||
| Q1 25 | 31.6% | -17.2% | ||
| Q4 24 | 34.2% | 2.6% | ||
| Q3 24 | 32.4% | -0.6% | ||
| Q2 24 | 31.9% | -16.4% | ||
| Q1 24 | 33.3% | -16.7% |
| Q4 25 | 26.5% | -5.1% | ||
| Q3 25 | 19.5% | -8.0% | ||
| Q2 25 | 25.8% | -4.4% | ||
| Q1 25 | 23.4% | -11.8% | ||
| Q4 24 | 25.9% | -3.8% | ||
| Q3 24 | 23.5% | -11.7% | ||
| Q2 24 | 23.6% | -27.4% | ||
| Q1 24 | 24.0% | -29.4% |
| Q4 25 | $0.63 | $-0.11 | ||
| Q3 25 | $0.46 | $-0.18 | ||
| Q2 25 | $0.58 | $-0.12 | ||
| Q1 25 | $0.51 | $-0.21 | ||
| Q4 24 | $0.55 | $-0.11 | ||
| Q3 24 | $0.54 | $-0.31 | ||
| Q2 24 | $0.50 | $-0.57 | ||
| Q1 24 | $0.51 | $-0.59 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $10.5M |
| Total DebtLower is stronger | — | $185.1M |
| Stockholders' EquityBook value | $338.6M | $-18.2M |
| Total Assets | $2.6B | $434.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $10.5M | ||
| Q3 25 | — | $8.1M | ||
| Q2 25 | — | $9.1M | ||
| Q1 25 | — | $5.9M | ||
| Q4 24 | — | $12.4M | ||
| Q3 24 | — | $10.1M | ||
| Q2 24 | — | $9.3M | ||
| Q1 24 | — | $7.5M |
| Q4 25 | — | $185.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $202.7M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $338.6M | $-18.2M | ||
| Q3 25 | $334.3M | $-12.1M | ||
| Q2 25 | $330.6M | $-7.7M | ||
| Q1 25 | $329.3M | $-8.1M | ||
| Q4 24 | $324.4M | $-4.4M | ||
| Q3 24 | $321.7M | $1.6M | ||
| Q2 24 | $315.3M | $6.5M | ||
| Q1 24 | $314.2M | $18.0M |
| Q4 25 | $2.6B | $434.9M | ||
| Q3 25 | $2.6B | $435.2M | ||
| Q2 25 | $2.6B | $438.1M | ||
| Q1 25 | $2.6B | $441.0M | ||
| Q4 24 | $2.7B | $471.0M | ||
| Q3 24 | $2.6B | $495.7M | ||
| Q2 24 | $2.6B | $494.9M | ||
| Q1 24 | $2.6B | $494.9M |
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 | $4.3M |
| Free Cash FlowOCF − Capex | $30.1M | $4.1M |
| FCF MarginFCF / Revenue | 116.2% | 8.2% |
| Capex IntensityCapex / Revenue | 6.7% | 0.3% |
| Cash ConversionOCF / Net Profit | 4.64× | — |
| TTM Free Cash FlowTrailing 4 quarters | $51.1M | $-2.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $31.8M | $4.3M | ||
| Q3 25 | $7.3M | $295.0K | ||
| Q2 25 | $6.4M | $1.6M | ||
| Q1 25 | $9.3M | $-7.7M | ||
| Q4 24 | $30.4M | $8.0M | ||
| Q3 24 | $9.6M | $1.3M | ||
| Q2 24 | $7.7M | $-10.4M | ||
| Q1 24 | $5.1M | $-2.8M |
| Q4 25 | $30.1M | $4.1M | ||
| Q3 25 | $6.2M | $-246.0K | ||
| Q2 25 | $5.6M | $1.2M | ||
| Q1 25 | $9.1M | $-8.0M | ||
| Q4 24 | $28.7M | $7.0M | ||
| Q3 24 | $9.4M | $-1.1M | ||
| Q2 24 | $7.4M | $-10.6M | ||
| Q1 24 | $3.9M | $-4.7M |
| Q4 25 | 116.2% | 8.2% | ||
| Q3 25 | 24.3% | -0.5% | ||
| Q2 25 | 22.8% | 1.9% | ||
| Q1 25 | 37.6% | -19.8% | ||
| Q4 24 | 121.1% | 12.0% | ||
| Q3 24 | 36.6% | -1.8% | ||
| Q2 24 | 31.2% | -22.7% | ||
| Q1 24 | 16.1% | -10.4% |
| Q4 25 | 6.7% | 0.3% | ||
| Q3 25 | 4.3% | 1.0% | ||
| Q2 25 | 3.0% | 0.6% | ||
| Q1 25 | 0.6% | 0.6% | ||
| Q4 24 | 7.2% | 1.7% | ||
| Q3 24 | 1.0% | 4.0% | ||
| Q2 24 | 1.0% | 0.5% | ||
| Q1 24 | 4.7% | 4.3% |
| 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.
Revenue Breakdown by Segment
BCML
Segment breakdown not available.
RDI
| Cinema Exhibition Segment | $46.9M | 93% |
| Real Estate Revenue | $3.4M | 7% |
