vs
Side-by-side financial comparison of BayCom Corp (BCML) and Spire Global, Inc. (SPIR). Click either name above to swap in a different company.
BayCom Corp is the larger business by last-quarter revenue ($25.9M vs $15.8M, roughly 1.6× Spire Global, Inc.). BayCom Corp runs the higher net margin — 26.5% vs -176.6%, a 203.1% gap on every dollar of revenue. On growth, BayCom Corp posted the faster year-over-year revenue change (9.4% vs -26.9%). BayCom Corp produced more free cash flow last quarter ($30.1M vs $-16.2M). Over the past eight quarters, BayCom Corp's revenue compounded faster (2.9% CAGR vs -32.6%).
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.
Spire Global, Inc. is a space-to-cloud data and analytics company that specializes in the tracking of global data sets powered by a large constellation of nanosatellites, such as the tracking of maritime, aviation and weather patterns.
BCML vs SPIR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.9M | $15.8M |
| Net Profit | $6.9M | $-28.0M |
| Gross Margin | — | 40.2% |
| Operating Margin | 36.6% | -164.1% |
| Net Margin | 26.5% | -176.6% |
| Revenue YoY | 9.4% | -26.9% |
| Net Profit YoY | 12.1% | 42.7% |
| EPS (diluted) | $0.63 | $-0.85 |
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 | $15.8M | ||
| Q3 25 | $25.7M | $12.7M | ||
| Q2 25 | $24.7M | $19.2M | ||
| Q1 25 | $24.3M | $23.9M | ||
| Q4 24 | $23.7M | $21.7M | ||
| Q3 24 | $25.6M | $28.6M | ||
| Q2 24 | $23.8M | $25.4M | ||
| Q1 24 | $24.5M | $34.8M |
| Q4 25 | $6.9M | $-28.0M | ||
| Q3 25 | $5.0M | $-19.7M | ||
| Q2 25 | $6.4M | $119.6M | ||
| Q1 25 | $5.7M | $-20.7M | ||
| Q4 24 | $6.1M | $-48.8M | ||
| Q3 24 | $6.0M | $-12.5M | ||
| Q2 24 | $5.6M | $-16.6M | ||
| Q1 24 | $5.9M | $-25.5M |
| Q4 25 | — | 40.2% | ||
| Q3 25 | — | 36.6% | ||
| Q2 25 | — | 48.9% | ||
| Q1 25 | — | 36.8% | ||
| Q4 24 | — | 32.4% | ||
| Q3 24 | — | 44.5% | ||
| Q2 24 | — | 43.0% | ||
| Q1 24 | — | 26.5% |
| Q4 25 | 36.6% | -164.1% | ||
| Q3 25 | 26.3% | -166.1% | ||
| Q2 25 | 35.3% | -122.7% | ||
| Q1 25 | 31.6% | -106.5% | ||
| Q4 24 | 34.2% | -144.1% | ||
| Q3 24 | 32.4% | -48.0% | ||
| Q2 24 | 31.9% | -48.6% | ||
| Q1 24 | 33.3% | -34.4% |
| Q4 25 | 26.5% | -176.6% | ||
| Q3 25 | 19.5% | -155.3% | ||
| Q2 25 | 25.8% | 623.4% | ||
| Q1 25 | 23.4% | -86.5% | ||
| Q4 24 | 25.9% | -225.2% | ||
| Q3 24 | 23.5% | -43.7% | ||
| Q2 24 | 23.6% | -65.2% | ||
| Q1 24 | 24.0% | -73.3% |
| Q4 25 | $0.63 | $-0.85 | ||
| Q3 25 | $0.46 | $-0.61 | ||
| Q2 25 | $0.58 | $3.72 | ||
| Q1 25 | $0.51 | $-0.77 | ||
| Q4 24 | $0.55 | $-1.93 | ||
| Q3 24 | $0.54 | $-0.50 | ||
| Q2 24 | $0.50 | $-0.68 | ||
| Q1 24 | $0.51 | $-1.17 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $81.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $338.6M | $112.9M |
| Total Assets | $2.6B | $211.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $81.8M | ||
| Q3 25 | — | $96.8M | ||
| Q2 25 | — | $117.6M | ||
| Q1 25 | — | $35.9M | ||
| Q4 24 | — | $19.2M | ||
| Q3 24 | — | $36.6M | ||
| Q2 24 | — | $45.8M | ||
| Q1 24 | — | $63.7M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $103.7M | ||
| Q4 24 | — | $103.1M | ||
| Q3 24 | — | $4.9M | ||
| Q2 24 | — | $4.9M | ||
| Q1 24 | — | $123.1M |
| Q4 25 | $338.6M | $112.9M | ||
| Q3 25 | $334.3M | $133.1M | ||
| Q2 25 | $330.6M | $149.2M | ||
| Q1 25 | $329.3M | $3.7M | ||
| Q4 24 | $324.4M | $-11.7M | ||
| Q3 24 | $321.7M | $30.8M | ||
| Q2 24 | $315.3M | $40.3M | ||
| Q1 24 | $314.2M | $52.5M |
| Q4 25 | $2.6B | $211.0M | ||
| Q3 25 | $2.6B | $224.3M | ||
| Q2 25 | $2.6B | $239.5M | ||
| Q1 25 | $2.6B | $208.8M | ||
| Q4 24 | $2.7B | $193.6M | ||
| Q3 24 | $2.6B | $224.2M | ||
| Q2 24 | $2.6B | $230.8M | ||
| Q1 24 | $2.6B | $252.3M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 27.92× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.16× | ||
| Q2 24 | — | 0.12× | ||
| Q1 24 | — | 2.35× |
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 | $-16.2M |
| FCF MarginFCF / Revenue | 116.2% | -102.1% |
| Capex IntensityCapex / Revenue | 6.7% | 75.1% |
| Cash ConversionOCF / Net Profit | 4.64× | — |
| TTM Free Cash FlowTrailing 4 quarters | $51.1M | $-92.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $31.8M | $-4.3M | ||
| Q3 25 | $7.3M | $-12.0M | ||
| Q2 25 | $6.4M | $-35.1M | ||
| Q1 25 | $9.3M | $-8.4M | ||
| Q4 24 | $30.4M | $-19.2M | ||
| Q3 24 | $9.6M | $14.0M | ||
| Q2 24 | $7.7M | $-4.4M | ||
| Q1 24 | $5.1M | $-8.8M |
| Q4 25 | $30.1M | $-16.2M | ||
| Q3 25 | $6.2M | $-20.4M | ||
| Q2 25 | $5.6M | $-38.7M | ||
| Q1 25 | $9.1M | $-17.3M | ||
| Q4 24 | $28.7M | $-24.3M | ||
| Q3 24 | $9.4M | $5.1M | ||
| Q2 24 | $7.4M | $-9.9M | ||
| Q1 24 | $3.9M | $-15.9M |
| Q4 25 | 116.2% | -102.1% | ||
| Q3 25 | 24.3% | -161.3% | ||
| Q2 25 | 22.8% | -201.7% | ||
| Q1 25 | 37.6% | -72.6% | ||
| Q4 24 | 121.1% | -112.2% | ||
| Q3 24 | 36.6% | 17.8% | ||
| Q2 24 | 31.2% | -39.0% | ||
| Q1 24 | 16.1% | -45.7% |
| Q4 25 | 6.7% | 75.1% | ||
| Q3 25 | 4.3% | 66.2% | ||
| Q2 25 | 3.0% | 18.8% | ||
| Q1 25 | 0.6% | 37.3% | ||
| Q4 24 | 7.2% | 23.5% | ||
| Q3 24 | 1.0% | 31.2% | ||
| Q2 24 | 1.0% | 21.8% | ||
| Q1 24 | 4.7% | 20.3% |
| Q4 25 | 4.64× | — | ||
| Q3 25 | 1.47× | — | ||
| Q2 25 | 1.00× | -0.29× | ||
| 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.
