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Side-by-side financial comparison of BayCom Corp (BCML) and SmartRent, Inc. (SMRT). Click either name above to swap in a different company.
SmartRent, Inc. is the larger business by last-quarter revenue ($36.5M vs $25.9M, roughly 1.4× BayCom Corp). BayCom Corp runs the higher net margin — 26.5% vs -8.9%, a 35.4% gap on every dollar of revenue. On growth, BayCom Corp posted the faster year-over-year revenue change (9.4% vs 3.1%). BayCom Corp produced more free cash flow last quarter ($30.1M vs $7.7M). Over the past eight quarters, BayCom Corp's revenue compounded faster (2.9% CAGR vs -15.0%).
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.
Budget Rent a Car System, Inc. is an American car rental company that was founded in 1958 in Los Angeles, California by Morris Mirkin. Budget is a subsidiary of the Avis Budget Group, with its operations headquartered in Parsippany, New Jersey.
BCML vs SMRT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.9M | $36.5M |
| Net Profit | $6.9M | $-3.2M |
| Gross Margin | — | 38.6% |
| Operating Margin | 36.6% | -10.9% |
| Net Margin | 26.5% | -8.9% |
| Revenue YoY | 9.4% | 3.1% |
| Net Profit YoY | 12.1% | 71.6% |
| EPS (diluted) | $0.63 | $-0.02 |
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 | $36.5M | ||
| Q3 25 | $25.7M | $36.2M | ||
| Q2 25 | $24.7M | $38.3M | ||
| Q1 25 | $24.3M | $41.3M | ||
| Q4 24 | $23.7M | $35.4M | ||
| Q3 24 | $25.6M | $40.5M | ||
| Q2 24 | $23.8M | $48.5M | ||
| Q1 24 | $24.5M | $50.5M |
| Q4 25 | $6.9M | $-3.2M | ||
| Q3 25 | $5.0M | $-6.3M | ||
| Q2 25 | $6.4M | $-10.9M | ||
| Q1 25 | $5.7M | $-40.2M | ||
| Q4 24 | $6.1M | $-11.4M | ||
| Q3 24 | $6.0M | $-9.9M | ||
| Q2 24 | $5.6M | $-4.6M | ||
| Q1 24 | $5.9M | $-7.7M |
| Q4 25 | — | 38.6% | ||
| Q3 25 | — | 26.4% | ||
| Q2 25 | — | 33.1% | ||
| Q1 25 | — | 32.8% | ||
| Q4 24 | — | 28.7% | ||
| Q3 24 | — | 33.2% | ||
| Q2 24 | — | 35.7% | ||
| Q1 24 | — | 38.5% |
| Q4 25 | 36.6% | -10.9% | ||
| Q3 25 | 26.3% | -19.4% | ||
| Q2 25 | 35.3% | -30.5% | ||
| Q1 25 | 31.6% | -99.9% | ||
| Q4 24 | 34.2% | -36.6% | ||
| Q3 24 | 32.4% | -29.0% | ||
| Q2 24 | 31.9% | -14.3% | ||
| Q1 24 | 33.3% | -20.1% |
| Q4 25 | 26.5% | -8.9% | ||
| Q3 25 | 19.5% | -17.3% | ||
| Q2 25 | 25.8% | -28.3% | ||
| Q1 25 | 23.4% | -97.2% | ||
| Q4 24 | 25.9% | -32.3% | ||
| Q3 24 | 23.5% | -24.5% | ||
| Q2 24 | 23.6% | -9.5% | ||
| Q1 24 | 24.0% | -15.2% |
| Q4 25 | $0.63 | $-0.02 | ||
| Q3 25 | $0.46 | $-0.03 | ||
| Q2 25 | $0.58 | $-0.06 | ||
| Q1 25 | $0.51 | $-0.21 | ||
| Q4 24 | $0.55 | $-0.06 | ||
| Q3 24 | $0.54 | $-0.05 | ||
| Q2 24 | $0.50 | $-0.02 | ||
| Q1 24 | $0.51 | $-0.04 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $104.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $338.6M | $232.1M |
| Total Assets | $2.6B | $320.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $104.5M | ||
| Q3 25 | — | $100.0M | ||
| Q2 25 | — | $105.0M | ||
| Q1 25 | — | $125.6M | ||
| Q4 24 | — | $142.5M | ||
| Q3 24 | — | $163.4M | ||
| Q2 24 | — | $187.4M | ||
| Q1 24 | — | $204.7M |
| Q4 25 | $338.6M | $232.1M | ||
| Q3 25 | $334.3M | $234.4M | ||
| Q2 25 | $330.6M | $238.8M | ||
| Q1 25 | $329.3M | $250.7M | ||
| Q4 24 | $324.4M | $289.4M | ||
| Q3 24 | $321.7M | $305.1M | ||
| Q2 24 | $315.3M | $329.4M | ||
| Q1 24 | $314.2M | $333.1M |
| Q4 25 | $2.6B | $320.9M | ||
| Q3 25 | $2.6B | $335.8M | ||
| Q2 25 | $2.6B | $354.0M | ||
| Q1 25 | $2.6B | $366.1M | ||
| Q4 24 | $2.7B | $420.2M | ||
| Q3 24 | $2.6B | $448.6M | ||
| Q2 24 | $2.6B | $475.3M | ||
| Q1 24 | $2.6B | $485.5M |
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 | $7.7M |
| Free Cash FlowOCF − Capex | $30.1M | $7.7M |
| FCF MarginFCF / Revenue | 116.2% | 21.0% |
| Capex IntensityCapex / Revenue | 6.7% | 0.0% |
| Cash ConversionOCF / Net Profit | 4.64× | — |
| TTM Free Cash FlowTrailing 4 quarters | $51.1M | $-25.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $31.8M | $7.7M | ||
| Q3 25 | $7.3M | $-2.1M | ||
| Q2 25 | $6.4M | $-14.9M | ||
| Q1 25 | $9.3M | $-12.2M | ||
| Q4 24 | $30.4M | $-12.0M | ||
| Q3 24 | $9.6M | $-3.7M | ||
| Q2 24 | $7.7M | $-13.9M | ||
| Q1 24 | $5.1M | $-3.3M |
| Q4 25 | $30.1M | $7.7M | ||
| Q3 25 | $6.2M | $-2.2M | ||
| Q2 25 | $5.6M | $-16.2M | ||
| Q1 25 | $9.1M | $-14.3M | ||
| Q4 24 | $28.7M | $-13.3M | ||
| Q3 24 | $9.4M | $-3.9M | ||
| Q2 24 | $7.4M | $-14.1M | ||
| Q1 24 | $3.9M | $-3.4M |
| Q4 25 | 116.2% | 21.0% | ||
| Q3 25 | 24.3% | -6.1% | ||
| Q2 25 | 22.8% | -42.3% | ||
| Q1 25 | 37.6% | -34.7% | ||
| Q4 24 | 121.1% | -37.5% | ||
| Q3 24 | 36.6% | -9.7% | ||
| Q2 24 | 31.2% | -29.1% | ||
| Q1 24 | 16.1% | -6.7% |
| Q4 25 | 6.7% | 0.0% | ||
| Q3 25 | 4.3% | 0.2% | ||
| Q2 25 | 3.0% | 3.3% | ||
| Q1 25 | 0.6% | 5.3% | ||
| Q4 24 | 7.2% | 3.5% | ||
| Q3 24 | 1.0% | 0.6% | ||
| Q2 24 | 1.0% | 0.5% | ||
| Q1 24 | 4.7% | 0.1% |
| 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.
SMRT
| Hosted Services | $18.1M | 50% |
| Hardware Service | $12.5M | 34% |
| Smart Operations Solutions | $2.6M | 7% |
| Access Control | $2.0M | 5% |
| Other Smart Communities Solutions | $1.3M | 3% |
