Bay Commercial Bank (NASDAQ:BCML) Announces Quarterly Earnings Results, Misses Expectations By $0.46 EPS

Posted by Geri Gentry on Oct 23rd, 2026

Bay Commercial Bank (NASDAQ:BCML – Get Free Report) issued its earnings results on Thursday. The company reported $0.10 earnings per share (EPS) for the quarter, missing analysts’ consensus estimates of $0.56 by ($0.46), FiscalAI reports. The business had revenue of $18.73 million during the quarter, compared to the consensus estimate of $26.08 million. Bay Commercial Bank had a return on equity of 6.98% and a net margin of 9.20%.

Bay Commercial Bank Trading Up 2.5%

Shares of NASDAQ:BCML opened at $31.90 on Friday. The firm has a fifty day moving average of $30.51 and a two-hundred day moving average of $30.98. The company has a quick ratio of 1.04, a current ratio of 1.04 and a debt-to-equity ratio of 0.09. Bay Commercial Bank has a 12-month low of $26.78 and a 12-month high of $34.98. The firm has a market capitalization of $348.35 million, a P/E ratio of 26.58 and a beta of 0.32.

Bay Commercial Bank Dividend Announcement

The business also recently announced a quarterly dividend, which was paid on Thursday, October 8th. Shareholders of record on Thursday, September 10th were paid a dividend of $0.30 per share. The ex-dividend date of this dividend was Thursday, September 10th. This represents a $1.20 dividend on an annualized basis and a dividend yield of 3.8%. Bay Commercial Bank’s dividend payout ratio (DPR) is 100.00%.

Analyst Upgrades and Downgrades

A number of research analysts recently commented on BCML shares. Wall Street Zen upgraded Bay Commercial Bank from a “strong sell” rating to a “sell” rating in a research note on Saturday, September 5th. Weiss Ratings downgraded Bay Commercial Bank from a “buy (b-)” rating to a “hold (c+)” rating in a research report on Friday, October 9th. Zacks Research raised shares of Bay Commercial Bank from a “strong sell” rating to a “hold” rating in a report on Monday, September 28th. Finally, Benchmark upgraded shares of Bay Commercial Bank to a “strong-buy” rating in a research report on Wednesday, September 23rd. One equities research analyst has rated the stock with a Strong Buy rating and four have given a Hold rating to the company. Based on data from MarketBeat, the stock has an average rating of “Hold” and a consensus price target of $34.00.

View Our Latest Research Report on Bay Commercial Bank

Insiders Place Their Bets

In other news, Director Michael Perdue bought 5,000 shares of the company’s stock in a transaction on Friday, July 31st. The shares were bought at an average cost of $30.17 per share, with a total value of $150,850.00. Following the transaction, the director directly owned 8,000 shares in the company, valued at approximately $241,360. This trade represents a 166.67% increase in their position. The acquisition was disclosed in a legal filing with the Securities & Exchange Commission, which can be accessed through this link. Also, CEO Christopher Baron acquired 8,250 shares of the company’s stock in a transaction that occurred on Monday, August 10th. The stock was purchased at an average price of $30.39 per share, for a total transaction of $250,717.50. Following the acquisition, the chief executive officer directly owned 9,247 shares of the company’s stock, valued at $281,016.33. The trade was a 827.48% increase in their position. Additional details regarding this purchase are available in the official SEC disclosure. Insiders have bought a total of 14,250 shares of company stock valued at $431,518 in the last three months. Insiders own 2.90% of the company’s stock.

Bay Commercial Bank Company Profile

(Get Free Report)

Bay Commercial Bank is a community-focused commercial bank associated with BayCom Corp. The institution provides banking services to businesses, professionals and individuals, with an emphasis on relationship-based commercial banking.

Its products and services include commercial and real estate lending, construction and small-business loans, business checking and savings accounts, personal deposit accounts, cash-management services, online banking and other traditional financial services.

The bank originated in California and has served businesses and communities in the western United States through its branch network and commercial banking operations.