BayCom Corp (BCML) — Defensive Interval Ratio
BayCom Corp (BCML) has a Defensive Interval Ratio of 4 days as of September 2025. Defensive assets of $26.78 Million (cash $-, short-term investments $2.06 Million, receivables $24.72 Million) cover 4 days of daily cash needs of $6.14 Million/day. See BayCom Corp (BCML) working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
BayCom Corp Defensive Interval Ratio (2004–2024)
This chart shows how BayCom Corp's Defensive Interval Ratio has evolved across 15 annual periods from 2004 to 2024. As of September 2025, the ratio stands at 4 days, meaning defensive assets of $26.78 Million can fund 4 days of operations without new revenue. See BCML equity to assets ratio to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for BayCom Corp (2004–2024)
The table below presents the year-by-year Defensive Interval Ratio for BayCom Corp from 2004 to 2024, covering 15 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see BCML market cap.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2024 | 5 days | $30.57 Million | $6.12 Million/day | $- | $1.99 Million | ▼ -2 days |
| 2023 | 7 days | $38.26 Million | $5.84 Million/day | $- | $6.34 Million | ▼ -25 days |
| 2022 | 32 days | $184.45 Million | $5.76 Million/day | $- | $154.00 Million | ▲ +1 days |
| 2021 | 31 days | $172.16 Million | $5.48 Million/day | $- | $155.66 Million | ▲ +5 days |
| 2020 | 26 days | $131.48 Million | $5.07 Million/day | $- | $115.59 Million | ▼ -2 days |
| 2019 | 28 days | $131.31 Million | $4.69 Million/day | $- | $119.89 Million | ▼ -2 days |
| 2018 | 30 days | $103.47 Million | $3.47 Million/day | $- | $99.80 Million | ▼ -2708 days |
| 2017 | 2738 days | $55.66 Million | $20.33K/day | $- | $40.51 Million | ▲ +2721 days |
| 2016 | 17 days | $27.75 Million | $1.63 Million/day | $- | $13.92 Million | ▼ -9 days |
| 2015 | 26 days | $39.02 Million | $1.50 Million/day | $- | $23.61 Million | ▲ +4 days |
| 2014 | 22 days | $26.19 Million | $1.21 Million/day | $- | $17.54 Million | ▼ -82 days |
| 2013 | 103 days | $81.61 Million | $788.99K/day | $- | $76.92 Million | ▲ +100 days |
| 2008 | 4 days | $959.70K | $254.28K/day | $- | $- | ▼ -1 days |
| 2007 | 4 days | $922.44K | $205.14K/day | $- | $- | ▲ +1 days |
| 2004 | 4 days | $126.00K | $31.75K/day | $- | $- | — |