BayCom Corp (BCML) — Cash Flow Quality Index
Latest as of March 2026:
0.85x
BayCom Corp (BCML) has a Cash Flow Quality Index of 0.85x as of March 2026. Operating cash flow of $6.99 Million is below net income of $8.18 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore BCML debt coverage from operations to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
0.85x
Operating CF / Net Income
Operating Cash Flow
$6.99 Million
USD
Net Income
$8.18 Million
USD
Data as of
Mar 2026
Most recent filing
BayCom Corp Cash Flow Quality Index (2007–2025)
Historical Cash Flow Quality Index for BayCom Corp across 18 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see BCML cash flow metrics.
Annual Cash Flow Quality Index for BayCom Corp (2007–2025)
Year-by-year earnings quality comparison for BayCom Corp.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.33x | $31.83 Million | $23.93 Million | ▲ +3.5% |
| 2024 | 1.29x | $30.36 Million | $23.61 Million | ▲ +14.5% |
| 2023 | 1.12x | $30.80 Million | $27.43 Million | ▼ -23.5% |
| 2022 | 1.47x | $39.61 Million | $26.99 Million | ▲ +191.2% |
| 2021 | 0.50x | $10.43 Million | $20.69 Million | ▼ -30.8% |
| 2020 | 0.73x | $10.00 Million | $13.73 Million | ▲ +81.3% |
| 2019 | 0.40x | $6.96 Million | $17.32 Million | ▼ -6.7% |
| 2018 | 0.43x | $6.24 Million | $14.49 Million | ▼ -75.7% |
| 2017 | 1.77x | $9.33 Million | $5.26 Million | ▲ +65.9% |
| 2016 | 1.07x | $6.32 Million | $5.91 Million | ▲ +60.1% |
| 2015 | 0.67x | $4.97 Million | $7.45 Million | ▼ -46.9% |
| 2014 | 1.26x | $6.50 Million | $5.18 Million | ▲ +52.2% |
| 2013 | 0.83x | $2.22 Million | $2.69 Million | ▼ -73.8% |
| 2012 | 3.14x | $6.77 Million | $2.15 Million | ▲ +907.7% |
| 2011 | 0.31x | $2.28 Million | $7.31 Million | ▼ -89.6% |
| 2010 | 3.00x | $1.86 Million | $620.53K | ▼ -8.6% |
| 2008 | 3.28x | $1.05 Million | $319.88K | ▲ +182.5% |
| 2007 | 1.16x | $1.40 Million | $1.21 Million | — |
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.