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Side-by-side financial comparison of BayCom Corp (BCML) and STEM, INC. (STEM). Click either name above to swap in a different company.
STEM, INC. is the larger business by last-quarter revenue ($47.1M vs $25.9M, roughly 1.8× BayCom Corp). BayCom Corp runs the higher net margin — 26.5% vs -33.9%, a 60.4% gap on every dollar of revenue. On growth, BayCom Corp posted the faster year-over-year revenue change (9.4% vs -15.6%). Over the past eight quarters, STEM, INC.'s revenue compounded faster (36.1% 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.
StemCells, Inc. is a public biopharmaceutical company headquartered in Newark, California, that is developing purified human neural stem cells (HuCNS-SCs) in the hopes of treating central nervous system disorders and paralysis. StemCells' HuCNS-SCs have the ability to differentiate into the three main types of cells found in the central nervous system: neurons, astrocytes and oligodendrocytes.
BCML vs STEM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.9M | $47.1M |
| Net Profit | $6.9M | $-16.0M |
| Gross Margin | — | 48.9% |
| Operating Margin | 36.6% | -17.7% |
| Net Margin | 26.5% | -33.9% |
| Revenue YoY | 9.4% | -15.6% |
| Net Profit YoY | 12.1% | 68.8% |
| EPS (diluted) | $0.63 | $-4.40 |
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 | $47.1M | ||
| Q3 25 | $25.7M | $38.2M | ||
| Q2 25 | $24.7M | $38.4M | ||
| Q1 25 | $24.3M | $32.5M | ||
| Q4 24 | $23.7M | $55.8M | ||
| Q3 24 | $25.6M | $29.3M | ||
| Q2 24 | $23.8M | $34.0M | ||
| Q1 24 | $24.5M | $25.5M |
| Q4 25 | $6.9M | $-16.0M | ||
| Q3 25 | $5.0M | $-23.8M | ||
| Q2 25 | $6.4M | $202.5M | ||
| Q1 25 | $5.7M | $-25.0M | ||
| Q4 24 | $6.1M | $-51.1M | ||
| Q3 24 | $6.0M | $-148.3M | ||
| Q2 24 | $5.6M | $-582.3M | ||
| Q1 24 | $5.9M | $-72.3M |
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | -95.0% |
| Q4 25 | 36.6% | -17.7% | ||
| Q3 25 | 26.3% | -33.6% | ||
| Q2 25 | 35.3% | -34.8% | ||
| Q1 25 | 31.6% | -65.0% | ||
| Q4 24 | 34.2% | -84.4% | ||
| Q3 24 | 32.4% | -493.2% | ||
| Q2 24 | 31.9% | -1705.5% | ||
| Q1 24 | 33.3% | -267.0% |
| Q4 25 | 26.5% | -33.9% | ||
| Q3 25 | 19.5% | -62.2% | ||
| Q2 25 | 25.8% | 527.8% | ||
| Q1 25 | 23.4% | -76.9% | ||
| Q4 24 | 25.9% | -91.6% | ||
| Q3 24 | 23.5% | -506.3% | ||
| Q2 24 | 23.6% | -1712.6% | ||
| Q1 24 | 24.0% | -283.9% |
| Q4 25 | $0.63 | $-4.40 | ||
| Q3 25 | $0.46 | $-2.84 | ||
| Q2 25 | $0.58 | $-1.79 | ||
| Q1 25 | $0.51 | $-0.15 | ||
| Q4 24 | $0.55 | $-15.29 | ||
| Q3 24 | $0.54 | $-18.24 | ||
| Q2 24 | $0.50 | $-71.81 | ||
| Q1 24 | $0.51 | $-0.46 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $48.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $338.6M | $-249.4M |
| Total Assets | $2.6B | $308.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $48.9M | ||
| Q3 25 | — | $43.1M | ||
| Q2 25 | — | $40.8M | ||
| Q1 25 | — | $58.6M | ||
| Q4 24 | — | $56.3M | ||
| Q3 24 | — | $75.4M | ||
| Q2 24 | — | $89.6M | ||
| Q1 24 | — | $112.8M |
| Q4 25 | $338.6M | $-249.4M | ||
| Q3 25 | $334.3M | $-235.7M | ||
| Q2 25 | $330.6M | $-214.1M | ||
| Q1 25 | $329.3M | $-417.5M | ||
| Q4 24 | $324.4M | $-398.4M | ||
| Q3 24 | $321.7M | $-344.1M | ||
| Q2 24 | $315.3M | $-203.2M | ||
| Q1 24 | $314.2M | $371.6M |
| Q4 25 | $2.6B | $308.9M | ||
| Q3 25 | $2.6B | $362.6M | ||
| Q2 25 | $2.6B | $379.2M | ||
| Q1 25 | $2.6B | $405.1M | ||
| Q4 24 | $2.7B | $437.4M | ||
| Q3 24 | $2.6B | $537.8M | ||
| Q2 24 | $2.6B | $691.5M | ||
| Q1 24 | $2.6B | $1.3B |
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 | $8.2M |
| Free Cash FlowOCF − Capex | $30.1M | — |
| FCF MarginFCF / Revenue | 116.2% | — |
| Capex IntensityCapex / Revenue | 6.7% | — |
| Cash ConversionOCF / Net Profit | 4.64× | — |
| TTM Free Cash FlowTrailing 4 quarters | $51.1M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $31.8M | $8.2M | ||
| Q3 25 | $7.3M | $11.4M | ||
| Q2 25 | $6.4M | $-21.3M | ||
| Q1 25 | $9.3M | $8.5M | ||
| Q4 24 | $30.4M | $-14.7M | ||
| Q3 24 | $9.6M | $-9.4M | ||
| Q2 24 | $7.7M | $-11.9M | ||
| Q1 24 | $5.1M | $-621.0K |
| Q4 25 | $30.1M | — | ||
| Q3 25 | $6.2M | — | ||
| Q2 25 | $5.6M | — | ||
| Q1 25 | $9.1M | — | ||
| Q4 24 | $28.7M | — | ||
| Q3 24 | $9.4M | — | ||
| Q2 24 | $7.4M | — | ||
| Q1 24 | $3.9M | — |
| Q4 25 | 116.2% | — | ||
| Q3 25 | 24.3% | — | ||
| Q2 25 | 22.8% | — | ||
| Q1 25 | 37.6% | — | ||
| Q4 24 | 121.1% | — | ||
| Q3 24 | 36.6% | — | ||
| Q2 24 | 31.2% | — | ||
| Q1 24 | 16.1% | — |
| Q4 25 | 6.7% | — | ||
| Q3 25 | 4.3% | — | ||
| Q2 25 | 3.0% | — | ||
| Q1 25 | 0.6% | — | ||
| Q4 24 | 7.2% | — | ||
| Q3 24 | 1.0% | — | ||
| Q2 24 | 1.0% | — | ||
| Q1 24 | 4.7% | — |
| Q4 25 | 4.64× | — | ||
| Q3 25 | 1.47× | — | ||
| Q2 25 | 1.00× | -0.11× | ||
| 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.
