vs
Side-by-side financial comparison of BayCom Corp (BCML) and Zeo Energy Corp. (ZEO). Click either name above to swap in a different company.
BayCom Corp is the larger business by last-quarter revenue ($25.9M vs $18.6M, roughly 1.4× Zeo Energy Corp.). BayCom Corp runs the higher net margin — 26.5% vs -10.8%, a 37.3% gap on every dollar of revenue. On growth, BayCom Corp posted the faster year-over-year revenue change (9.4% vs -0.4%). BayCom Corp produced more free cash flow last quarter ($30.1M vs $2.3M). Over the past eight quarters, BayCom Corp's revenue compounded faster (2.9% CAGR vs -4.0%).
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.
BCML vs ZEO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.9M | $18.6M |
| Net Profit | $6.9M | $-2.0M |
| Gross Margin | — | — |
| Operating Margin | 36.6% | -11.8% |
| Net Margin | 26.5% | -10.8% |
| Revenue YoY | 9.4% | -0.4% |
| Net Profit YoY | 12.1% | -360.9% |
| EPS (diluted) | $0.63 | — |
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 | $18.6M | ||
| Q3 25 | $25.7M | $23.9M | ||
| Q2 25 | $24.7M | $18.1M | ||
| Q1 25 | $24.3M | $8.8M | ||
| Q4 24 | $23.7M | $18.6M | ||
| Q3 24 | $25.6M | $19.7M | ||
| Q2 24 | $23.8M | $14.8M | ||
| Q1 24 | $24.5M | $20.1M |
| Q4 25 | $6.9M | $-2.0M | ||
| Q3 25 | $5.0M | $-3.2M | ||
| Q2 25 | $6.4M | $-2.4M | ||
| Q1 25 | $5.7M | $-6.4M | ||
| Q4 24 | $6.1M | $-435.3K | ||
| Q3 24 | $6.0M | $-424.3K | ||
| Q2 24 | $5.6M | $-277.8K | ||
| Q1 24 | $5.9M | $-1.5M |
| Q4 25 | — | — | ||
| Q3 25 | — | 57.9% | ||
| Q2 25 | — | 59.8% | ||
| Q1 25 | — | 99.3% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 50.2% | ||
| Q2 24 | — | 52.3% | ||
| Q1 24 | — | — |
| Q4 25 | 36.6% | -11.8% | ||
| Q3 25 | 26.3% | -8.3% | ||
| Q2 25 | 35.3% | -15.8% | ||
| Q1 25 | 31.6% | -153.8% | ||
| Q4 24 | 34.2% | -6.0% | ||
| Q3 24 | 32.4% | -15.2% | ||
| Q2 24 | 31.9% | -18.0% | ||
| Q1 24 | 33.3% | -20.1% |
| Q4 25 | 26.5% | -10.8% | ||
| Q3 25 | 19.5% | -13.5% | ||
| Q2 25 | 25.8% | -13.3% | ||
| Q1 25 | 23.4% | -72.4% | ||
| Q4 24 | 25.9% | -2.3% | ||
| Q3 24 | 23.5% | -2.2% | ||
| Q2 24 | 23.6% | -1.9% | ||
| Q1 24 | 24.0% | -7.6% |
| Q4 25 | $0.63 | — | ||
| Q3 25 | $0.46 | — | ||
| Q2 25 | $0.58 | — | ||
| Q1 25 | $0.51 | $-0.48 | ||
| Q4 24 | $0.55 | $1.11 | ||
| Q3 24 | $0.54 | $-0.08 | ||
| Q2 24 | $0.50 | $0.03 | ||
| Q1 24 | $0.51 | $-1.54 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $6.1M |
| Total DebtLower is stronger | — | $79.1K |
| Stockholders' EquityBook value | $338.6M | $5.3M |
| Total Assets | $2.6B | $56.9M |
| Debt / EquityLower = less leverage | — | 0.01× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $6.1M | ||
| Q3 25 | — | $3.9M | ||
| Q2 25 | — | $68.7K | ||
| Q1 25 | — | $2.9M | ||
| Q4 24 | — | $5.6M | ||
| Q3 24 | — | $4.3M | ||
| Q2 24 | — | $5.3M | ||
| Q1 24 | — | — |
| Q4 25 | — | $79.1K | ||
| Q3 25 | — | $84.6K | ||
| Q2 25 | — | $642.8K | ||
| Q1 25 | — | $715.4K | ||
| Q4 24 | — | $787.7K | ||
| Q3 24 | — | $858.6K | ||
| Q2 24 | — | $1.6M | ||
| Q1 24 | — | $748.8K |
| Q4 25 | $338.6M | $5.3M | ||
| Q3 25 | $334.3M | $-1.7M | ||
| Q2 25 | $330.6M | $-59.4M | ||
| Q1 25 | $329.3M | $-23.1M | ||
| Q4 24 | $324.4M | $-88.9M | ||
| Q3 24 | $321.7M | $-39.3M | ||
| Q2 24 | $315.3M | $-53.0M | ||
| Q1 24 | $314.2M | $-173.0M |
| Q4 25 | $2.6B | $56.9M | ||
| Q3 25 | $2.6B | $58.5M | ||
| Q2 25 | $2.6B | $46.2M | ||
| Q1 25 | $2.6B | $47.4M | ||
| Q4 24 | $2.7B | $61.0M | ||
| Q3 24 | $2.6B | $47.1M | ||
| Q2 24 | $2.6B | $49.1M | ||
| Q1 24 | $2.6B | $50.1M |
| Q4 25 | — | 0.01× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $2.4M |
| Free Cash FlowOCF − Capex | $30.1M | $2.3M |
| FCF MarginFCF / Revenue | 116.2% | 12.2% |
| Capex IntensityCapex / Revenue | 6.7% | 0.9% |
| Cash ConversionOCF / Net Profit | 4.64× | — |
| TTM Free Cash FlowTrailing 4 quarters | $51.1M | $-9.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $31.8M | $2.4M | ||
| Q3 25 | $7.3M | $-6.6M | ||
| Q2 25 | $6.4M | $-2.3M | ||
| Q1 25 | $9.3M | $-2.3M | ||
| Q4 24 | $30.4M | $3.5M | ||
| Q3 24 | $9.6M | $162.2K | ||
| Q2 24 | $7.7M | $-2.2M | ||
| Q1 24 | $5.1M | $-10.2M |
| Q4 25 | $30.1M | $2.3M | ||
| Q3 25 | $6.2M | $-6.8M | ||
| Q2 25 | $5.6M | $-2.7M | ||
| Q1 25 | $9.1M | $-2.6M | ||
| Q4 24 | $28.7M | $3.4M | ||
| Q3 24 | $9.4M | $116.5K | ||
| Q2 24 | $7.4M | $-2.3M | ||
| Q1 24 | $3.9M | $-10.4M |
| Q4 25 | 116.2% | 12.2% | ||
| Q3 25 | 24.3% | -28.6% | ||
| Q2 25 | 22.8% | -15.0% | ||
| Q1 25 | 37.6% | -30.0% | ||
| Q4 24 | 121.1% | 18.2% | ||
| Q3 24 | 36.6% | 0.6% | ||
| Q2 24 | 31.2% | -15.6% | ||
| Q1 24 | 16.1% | -51.5% |
| Q4 25 | 6.7% | 0.9% | ||
| Q3 25 | 4.3% | 1.0% | ||
| Q2 25 | 3.0% | 2.4% | ||
| Q1 25 | 0.6% | 4.2% | ||
| Q4 24 | 7.2% | 0.5% | ||
| Q3 24 | 1.0% | 0.2% | ||
| Q2 24 | 1.0% | 0.7% | ||
| Q1 24 | 4.7% | 1.1% |
| 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.
ZEO
| Nonrelated Party | $18.1M | 98% |
| Related Party | $432.1K | 2% |
