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Side-by-side financial comparison of BayCom Corp (BCML) and Neuronetics, Inc. (STIM). Click either name above to swap in a different company.
Neuronetics, Inc. is the larger business by last-quarter revenue ($41.8M vs $25.9M, roughly 1.6× BayCom Corp). BayCom Corp runs the higher net margin — 26.5% vs -17.2%, a 43.7% gap on every dollar of revenue. On growth, Neuronetics, Inc. posted the faster year-over-year revenue change (85.7% vs 9.4%). BayCom Corp produced more free cash flow last quarter ($30.1M vs $692.0K). Over the past eight quarters, Neuronetics, Inc.'s revenue compounded faster (54.9% 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.
Neuronetics is a Malvern, PA based, publicly traded company incorporated in Delaware in April 2003, that develops non-invasive treatments for psychiatric disorders that have shown resistance or lack of improvement using traditional medicine. The treatments are based upon neuromodulation technology.
BCML vs STIM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.9M | $41.8M |
| Net Profit | $6.9M | $-7.2M |
| Gross Margin | — | 52.0% |
| Operating Margin | 36.6% | -12.1% |
| Net Margin | 26.5% | -17.2% |
| Revenue YoY | 9.4% | 85.7% |
| Net Profit YoY | 12.1% | 43.2% |
| EPS (diluted) | $0.63 | $-0.10 |
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 | $41.8M | ||
| Q3 25 | $25.7M | $37.3M | ||
| Q2 25 | $24.7M | $38.1M | ||
| Q1 25 | $24.3M | $32.0M | ||
| Q4 24 | $23.7M | $22.5M | ||
| Q3 24 | $25.6M | $18.5M | ||
| Q2 24 | $23.8M | $16.4M | ||
| Q1 24 | $24.5M | $17.4M |
| Q4 25 | $6.9M | $-7.2M | ||
| Q3 25 | $5.0M | $-9.0M | ||
| Q2 25 | $6.4M | $-10.1M | ||
| Q1 25 | $5.7M | $-12.7M | ||
| Q4 24 | $6.1M | $-12.7M | ||
| Q3 24 | $6.0M | $-13.3M | ||
| Q2 24 | $5.6M | $-9.8M | ||
| Q1 24 | $5.9M | $-7.9M |
| Q4 25 | — | 52.0% | ||
| Q3 25 | — | 45.9% | ||
| Q2 25 | — | 46.6% | ||
| Q1 25 | — | 49.2% | ||
| Q4 24 | — | 66.2% | ||
| Q3 24 | — | 75.6% | ||
| Q2 24 | — | 74.0% | ||
| Q1 24 | — | 75.1% |
| Q4 25 | 36.6% | -12.1% | ||
| Q3 25 | 26.3% | -19.6% | ||
| Q2 25 | 35.3% | -21.1% | ||
| Q1 25 | 31.6% | -34.4% | ||
| Q4 24 | 34.2% | -51.0% | ||
| Q3 24 | 32.4% | -41.7% | ||
| Q2 24 | 31.9% | -51.7% | ||
| Q1 24 | 33.3% | -39.4% |
| Q4 25 | 26.5% | -17.2% | ||
| Q3 25 | 19.5% | -24.3% | ||
| Q2 25 | 25.8% | -26.6% | ||
| Q1 25 | 23.4% | -39.6% | ||
| Q4 24 | 25.9% | -56.4% | ||
| Q3 24 | 23.5% | -72.0% | ||
| Q2 24 | 23.6% | -59.8% | ||
| Q1 24 | 24.0% | -45.2% |
| Q4 25 | $0.63 | $-0.10 | ||
| Q3 25 | $0.46 | $-0.13 | ||
| Q2 25 | $0.58 | $-0.15 | ||
| Q1 25 | $0.51 | $-0.21 | ||
| Q4 24 | $0.55 | $-0.34 | ||
| Q3 24 | $0.54 | $-0.44 | ||
| Q2 24 | $0.50 | $-0.33 | ||
| Q1 24 | $0.51 | $-0.27 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $28.1M |
| Total DebtLower is stronger | — | $65.8M |
| Stockholders' EquityBook value | $338.6M | $22.4M |
| Total Assets | $2.6B | $141.6M |
| Debt / EquityLower = less leverage | — | 2.94× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $28.1M | ||
| Q3 25 | — | $28.0M | ||
| Q2 25 | — | $11.0M | ||
| Q1 25 | — | $20.2M | ||
| Q4 24 | — | $18.5M | ||
| Q3 24 | — | $20.9M | ||
| Q2 24 | — | $42.6M | ||
| Q1 24 | — | $47.7M |
| Q4 25 | — | $65.8M | ||
| Q3 25 | — | $65.7M | ||
| Q2 25 | — | $55.5M | ||
| Q1 25 | — | $55.3M | ||
| Q4 24 | — | $55.2M | ||
| Q3 24 | — | $46.0M | ||
| Q2 24 | — | $59.8M | ||
| Q1 24 | — | $59.4M |
| Q4 25 | $338.6M | $22.4M | ||
| Q3 25 | $334.3M | $27.4M | ||
| Q2 25 | $330.6M | $27.1M | ||
| Q1 25 | $329.3M | $35.5M | ||
| Q4 24 | $324.4M | $27.7M | ||
| Q3 24 | $321.7M | $9.4M | ||
| Q2 24 | $315.3M | $19.4M | ||
| Q1 24 | $314.2M | $27.7M |
| Q4 25 | $2.6B | $141.6M | ||
| Q3 25 | $2.6B | $145.5M | ||
| Q2 25 | $2.6B | $134.7M | ||
| Q1 25 | $2.6B | $142.0M | ||
| Q4 24 | $2.7B | $140.9M | ||
| Q3 24 | $2.6B | — | ||
| Q2 24 | $2.6B | $96.8M | ||
| Q1 24 | $2.6B | $103.8M |
| Q4 25 | — | 2.94× | ||
| Q3 25 | — | 2.40× | ||
| Q2 25 | — | 2.05× | ||
| Q1 25 | — | 1.56× | ||
| Q4 24 | — | 1.99× | ||
| Q3 24 | — | 4.90× | ||
| Q2 24 | — | 3.08× | ||
| Q1 24 | — | 2.15× |
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 | $908.0K |
| Free Cash FlowOCF − Capex | $30.1M | $692.0K |
| FCF MarginFCF / Revenue | 116.2% | 1.7% |
| Capex IntensityCapex / Revenue | 6.7% | 0.5% |
| Cash ConversionOCF / Net Profit | 4.64× | — |
| TTM Free Cash FlowTrailing 4 quarters | $51.1M | $-21.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $31.8M | $908.0K | ||
| Q3 25 | $7.3M | $-785.0K | ||
| Q2 25 | $6.4M | $-3.5M | ||
| Q1 25 | $9.3M | $-17.0M | ||
| Q4 24 | $30.4M | $-8.6M | ||
| Q3 24 | $9.6M | $-5.4M | ||
| Q2 24 | $7.7M | $-5.0M | ||
| Q1 24 | $5.1M | $-12.0M |
| Q4 25 | $30.1M | $692.0K | ||
| Q3 25 | $6.2M | $-899.0K | ||
| Q2 25 | $5.6M | $-3.8M | ||
| Q1 25 | $9.1M | $-17.2M | ||
| Q4 24 | $28.7M | $-8.7M | ||
| Q3 24 | $9.4M | $-5.8M | ||
| Q2 24 | $7.4M | $-5.6M | ||
| Q1 24 | $3.9M | $-12.4M |
| Q4 25 | 116.2% | 1.7% | ||
| Q3 25 | 24.3% | -2.4% | ||
| Q2 25 | 22.8% | -9.9% | ||
| Q1 25 | 37.6% | -53.8% | ||
| Q4 24 | 121.1% | -38.6% | ||
| Q3 24 | 36.6% | -31.3% | ||
| Q2 24 | 31.2% | -34.0% | ||
| Q1 24 | 16.1% | -71.1% |
| Q4 25 | 6.7% | 0.5% | ||
| Q3 25 | 4.3% | 0.3% | ||
| Q2 25 | 3.0% | 0.7% | ||
| Q1 25 | 0.6% | 0.7% | ||
| Q4 24 | 7.2% | 0.4% | ||
| Q3 24 | 1.0% | 2.1% | ||
| Q2 24 | 1.0% | 3.7% | ||
| Q1 24 | 4.7% | 2.2% |
| 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.
