Bay Commercial Bank (BCML) Expected to Announce Earnings on Thursday

Bay Commercial Bank (NASDAQ:BCML) is projected to announce its Q4 2025 results before the market opens on Thursday, January 22nd. Analysts expect Bay Commercial Bank to post earnings of $0.65 per share for the quarter. Investors can check the company’s upcoming Q4 2025 earning summary page for the latest details on the call scheduled for Thursday, January 22, 2026 at 4:00 PM ET.

Bay Commercial Bank (NASDAQ:BCML) last issued its quarterly earnings results on Thursday, October 23rd. The company reported $0.46 EPS for the quarter, missing the consensus estimate of $0.52 by ($0.06). Bay Commercial Bank had a return on equity of 7.04% and a net margin of 16.51%.The business had revenue of $1.51 million during the quarter, compared to the consensus estimate of $23.67 million. On average, analysts expect Bay Commercial Bank to post $2 EPS for the current fiscal year and $3 EPS for the next fiscal year.

Bay Commercial Bank Price Performance

Shares of Bay Commercial Bank stock opened at $28.85 on Thursday. The company has a debt-to-equity ratio of 0.03, a current ratio of 1.02 and a quick ratio of 1.02. The firm has a fifty day moving average price of $29.47 and a two-hundred day moving average price of $28.83. Bay Commercial Bank has a fifty-two week low of $22.22 and a fifty-two week high of $33.15. The company has a market cap of $314.47 million, a PE ratio of 13.74 and a beta of 0.34.

Bay Commercial Bank Increases Dividend

The company also recently disclosed a quarterly dividend, which was paid on Friday, January 9th. Stockholders of record on Thursday, December 11th were given a dividend of $0.30 per share. This is a boost from Bay Commercial Bank’s previous quarterly dividend of $0.25. This represents a $1.20 dividend on an annualized basis and a dividend yield of 4.2%. The ex-dividend date was Thursday, December 11th. Bay Commercial Bank’s dividend payout ratio (DPR) is presently 57.14%.

Institutional Inflows and Outflows

Institutional investors have recently bought and sold shares of the stock. Russell Investments Group Ltd. grew its holdings in shares of Bay Commercial Bank by 974.3% in the 3rd quarter. Russell Investments Group Ltd. now owns 1,085 shares of the company’s stock valued at $31,000 after acquiring an additional 984 shares in the last quarter. Tower Research Capital LLC TRC lifted its position in shares of Bay Commercial Bank by 236.6% during the 2nd quarter. Tower Research Capital LLC TRC now owns 1,629 shares of the company’s stock valued at $45,000 after acquiring an additional 1,145 shares during the period. BNP Paribas Financial Markets grew its stake in Bay Commercial Bank by 107.5% during the third quarter. BNP Paribas Financial Markets now owns 2,173 shares of the company’s stock worth $62,000 after buying an additional 1,126 shares in the last quarter. EverSource Wealth Advisors LLC raised its holdings in shares of Bay Commercial Bank by 119,480.0% during the 2nd quarter. EverSource Wealth Advisors LLC now owns 5,979 shares of the company’s stock worth $166,000 after buying an additional 5,974 shares in the last quarter. Finally, Invesco Ltd. acquired a new stake in Bay Commercial Bank in the second quarter valued at approximately $241,000. Institutional investors own 66.16% of the company’s stock.

Wall Street Analyst Weigh In

BCML has been the subject of a number of recent research reports. Wall Street Zen upgraded shares of Bay Commercial Bank from a “sell” rating to a “hold” rating in a research note on Sunday, November 23rd. DA Davidson restated a “buy” rating and issued a $32.00 target price on shares of Bay Commercial Bank in a research note on Tuesday, October 28th. Finally, Weiss Ratings reissued a “buy (b)” rating on shares of Bay Commercial Bank in a research note on Wednesday, October 8th. Two analysts have rated the stock with a Buy rating and one has issued a Hold rating to the company’s stock. According to MarketBeat, the stock presently has a consensus rating of “Moderate Buy” and a consensus price target of $31.50.

About Bay Commercial Bank

Bay Commercial Bank is a bank holding company that offers a full suite of commercial and consumer banking services through its subsidiary, Bay Commercial Bank. The institution emphasizes relationship-driven banking, focusing on the needs of small and medium-sized businesses, professionals, and individual customers.

The bank’s lending portfolio encompasses commercial real estate, construction and development financing, equipment loans, acquisition financing, and consumer credit products such as residential mortgages and personal lines of credit.