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Mar 31, 2025
Baycom Q1 2025 Earnings Report
BayCom reported earnings of $5.7 million for Q1 2025, with EPS of $0.51 and steady financial performance despite higher credit provisions.
Key Takeaways
BayCom Corp maintained stable earnings supported by increased noninterest income and lending activity, though impacted by a dip in net interest income and higher credit loss provisions.
Net income was $5.7 million, slightly lower than the prior year.
Net interest margin improved to 3.83% amid strong loan growth.
Noninterest income rose sharply quarter-over-quarter due to improved market conditions.
Deposits declined due to client shifts to higher-yielding instruments.
Revenue by Segment
Forward Guidance
BayCom anticipates continued loan demand and stable credit quality but remains cautious given broader economic uncertainties.
Positive Outlook
- Continued demand for new loans.
- Improved net interest margin.
- Strong capital ratios and well-capitalized status.
- Shareholder return initiatives via buybacks and dividends.
- Stable earnings despite market headwinds.
Challenges Ahead
- Higher provision for credit losses.
- Decline in noninterest-bearing deposits.
- Slight decrease in total assets and deposits.
- Ongoing pressure from changing interest rate environment.
- Economic uncertainty could impact future performance.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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