BayCom Corp — Earnings Quality Grade A
BCML · Financial Services
Strong financial health
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 30 days, change -2 days YoY
AR growth -1.9% vs revenue growth 4.4%
Revenue 4.4%, CFFO 4.9%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 2.6% vs revenue 4.4%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.33. Profits backed by cash
FCF $0.0B, FCF/NI = 1.26
Accruals ratio = -0.3%. Low accruals
Cash $0.0B covers debt $0.0B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 12% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -2% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
BayCom Corp is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25