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Side-by-side financial comparison of BayCom Corp (BCML) and YORK WATER CO (YORW). Click either name above to swap in a different company.
BayCom Corp is the larger business by last-quarter revenue ($25.9M vs $19.4M, roughly 1.3× YORK WATER CO). YORK WATER CO runs the higher net margin — 26.7% vs 26.5%, a 0.2% gap on every dollar of revenue. On growth, BayCom Corp posted the faster year-over-year revenue change (9.4% vs 3.2%). Over the past eight quarters, YORK WATER CO's revenue compounded faster (5.1% 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.
The York Water Company is an investor-owned, public utility company based in York, Pennsylvania and operating throughout Pennsylvania. The company was founded in 1816 by a group of local businessmen concerned about fire protection.
BCML vs YORW — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.9M | $19.4M |
| Net Profit | $6.9M | $5.2M |
| Gross Margin | — | — |
| Operating Margin | 36.6% | 33.2% |
| Net Margin | 26.5% | 26.7% |
| Revenue YoY | 9.4% | 3.2% |
| Net Profit YoY | 12.1% | 0.5% |
| EPS (diluted) | $0.63 | $0.36 |
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 | $19.4M | ||
| Q3 25 | $25.7M | $20.2M | ||
| Q2 25 | $24.7M | $19.1M | ||
| Q1 25 | $24.3M | $18.3M | ||
| Q4 24 | $23.7M | $18.8M | ||
| Q3 24 | $25.6M | $19.6M | ||
| Q2 24 | $23.8M | $18.6M | ||
| Q1 24 | $24.5M | $17.5M |
| Q4 25 | $6.9M | $5.2M | ||
| Q3 25 | $5.0M | $6.2M | ||
| Q2 25 | $6.4M | $5.1M | ||
| Q1 25 | $5.7M | $3.6M | ||
| Q4 24 | $6.1M | $5.1M | ||
| Q3 24 | $6.0M | $5.9M | ||
| Q2 24 | $5.6M | $5.0M | ||
| Q1 24 | $5.9M | $4.3M |
| Q4 25 | 36.6% | 33.2% | ||
| Q3 25 | 26.3% | 39.1% | ||
| Q2 25 | 35.3% | 37.1% | ||
| Q1 25 | 31.6% | 34.3% | ||
| Q4 24 | 34.2% | 35.8% | ||
| Q3 24 | 32.4% | 41.1% | ||
| Q2 24 | 31.9% | 37.9% | ||
| Q1 24 | 33.3% | 35.5% |
| Q4 25 | 26.5% | 26.7% | ||
| Q3 25 | 19.5% | 30.6% | ||
| Q2 25 | 25.8% | 26.5% | ||
| Q1 25 | 23.4% | 19.8% | ||
| Q4 24 | 25.9% | 27.4% | ||
| Q3 24 | 23.5% | 29.9% | ||
| Q2 24 | 23.6% | 26.8% | ||
| Q1 24 | 24.0% | 24.7% |
| Q4 25 | $0.63 | $0.36 | ||
| Q3 25 | $0.46 | $0.43 | ||
| Q2 25 | $0.58 | $0.35 | ||
| Q1 25 | $0.51 | $0.25 | ||
| Q4 24 | $0.55 | $0.36 | ||
| Q3 24 | $0.54 | $0.41 | ||
| Q2 24 | $0.50 | $0.35 | ||
| Q1 24 | $0.51 | $0.30 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $1.0K |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $338.6M | $240.3M |
| Total Assets | $2.6B | $680.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $1.0K | ||
| Q3 25 | — | $1.0K | ||
| Q2 25 | — | $1.0K | ||
| Q1 25 | — | $1.0K | ||
| Q4 24 | — | $1.0K | ||
| Q3 24 | — | $1.0K | ||
| Q2 24 | — | $1.0K | ||
| Q1 24 | — | $3.3M |
| Q4 25 | $338.6M | $240.3M | ||
| Q3 25 | $334.3M | $238.0M | ||
| Q2 25 | $330.6M | $234.6M | ||
| Q1 25 | $329.3M | $232.1M | ||
| Q4 24 | $324.4M | $231.2M | ||
| Q3 24 | $321.7M | $228.7M | ||
| Q2 24 | $315.3M | $225.4M | ||
| Q1 24 | $314.2M | $222.9M |
| Q4 25 | $2.6B | $680.9M | ||
| Q3 25 | $2.6B | $667.1M | ||
| Q2 25 | $2.6B | $653.7M | ||
| Q1 25 | $2.6B | $641.8M | ||
| Q4 24 | $2.7B | $633.5M | ||
| Q3 24 | $2.6B | $621.4M | ||
| Q2 24 | $2.6B | $610.4M | ||
| Q1 24 | $2.6B | $602.3M |
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 | $8.4M |
| Free Cash FlowOCF − Capex | $30.1M | — |
| FCF MarginFCF / Revenue | 116.2% | — |
| Capex IntensityCapex / Revenue | 6.7% | — |
| Cash ConversionOCF / Net Profit | 4.64× | 1.63× |
| TTM Free Cash FlowTrailing 4 quarters | $51.1M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $31.8M | $8.4M | ||
| Q3 25 | $7.3M | $7.8M | ||
| Q2 25 | $6.4M | $7.6M | ||
| Q1 25 | $9.3M | $6.0M | ||
| Q4 24 | $30.4M | $10.2M | ||
| Q3 24 | $9.6M | $7.5M | ||
| Q2 24 | $7.7M | $6.7M | ||
| Q1 24 | $5.1M | $6.1M |
| 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× | 1.63× | ||
| Q3 25 | 1.47× | 1.26× | ||
| Q2 25 | 1.00× | 1.50× | ||
| Q1 25 | 1.63× | 1.65× | ||
| Q4 24 | 4.96× | 1.98× | ||
| Q3 24 | 1.60× | 1.29× | ||
| Q2 24 | 1.37× | 1.34× | ||
| Q1 24 | 0.86× | 1.42× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
