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

Bay Commercial Bank (NASDAQ:BCML) is anticipated to issue 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. Parties can check the company’s upcoming Q4 2025 earning summary page for the latest details on the call scheduled for Friday, January 30, 2026 at 4:00 PM ET.

Bay Commercial Bank (NASDAQ:BCML) last issued its quarterly earnings data on Thursday, October 23rd. The company reported $0.46 earnings per share (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 company had revenue of $1.51 million for 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 Trading Down 1.2%

Shares of NASDAQ:BCML opened at $28.60 on Wednesday. The firm has a market cap of $311.74 million, a price-to-earnings ratio of 13.62 and a beta of 0.34. Bay Commercial Bank has a 12 month low of $22.22 and a 12 month high of $33.15. The company’s fifty day simple moving average is $29.56 and its 200 day simple moving average is $28.84. The company has a quick ratio of 1.02, a current ratio of 1.02 and a debt-to-equity ratio of 0.03.

Bay Commercial Bank Increases Dividend

The company also recently declared a quarterly dividend, which was paid on Friday, January 9th. Shareholders of record on Thursday, December 11th were paid a $0.30 dividend. The ex-dividend date of this dividend was Thursday, December 11th. This represents a $1.20 annualized dividend and a dividend yield of 4.2%. This is a positive change from Bay Commercial Bank’s previous quarterly dividend of $0.25. Bay Commercial Bank’s dividend payout ratio (DPR) is 57.14%.

Institutional Inflows and Outflows

Large investors have recently bought and sold shares of the stock. UBS Group AG grew its stake in Bay Commercial Bank by 866.1% in the third quarter. UBS Group AG now owns 160,978 shares of the company’s stock valued at $4,628,000 after purchasing an additional 144,316 shares in the last quarter. Wellington Management Group LLP raised its stake in shares of Bay Commercial Bank by 6.8% during the 3rd quarter. Wellington Management Group LLP now owns 956,269 shares of the company’s stock worth $27,493,000 after purchasing an additional 60,656 shares in the last quarter. Alliancebernstein L.P. boosted its holdings in shares of Bay Commercial Bank by 7.3% in the 3rd quarter. Alliancebernstein L.P. now owns 483,852 shares of the company’s stock valued at $13,911,000 after buying an additional 32,978 shares during the last quarter. Jane Street Group LLC bought a new position in shares of Bay Commercial Bank in the first quarter valued at $454,000. Finally, Millennium Management LLC bought a new position in shares of Bay Commercial Bank in the third quarter valued at $429,000. 66.16% of the stock is owned by institutional investors and hedge funds.

Analyst Upgrades and Downgrades

A number of brokerages have recently commented on BCML. Weiss Ratings restated a “buy (b)” rating on shares of Bay Commercial Bank in a report on Wednesday, October 8th. Wall Street Zen raised Bay Commercial Bank from a “sell” rating to a “hold” rating in a research report on Sunday, November 23rd. Finally, 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. Two equities research analysts have rated the stock with a Buy rating and one has assigned a Hold rating to the stock. Based on data from MarketBeat.com, Bay Commercial Bank has a consensus rating of “Moderate Buy” and a consensus target price 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.