Sep 30, 2020

Baycom Q3 2020 Earnings Report

BayCom Corp reported earnings with an increase compared to the previous quarter, but a decrease compared to the same quarter last year, impacted by the COVID-19 pandemic and acquisition-related activities.

Key Takeaways

BayCom Corp reported third-quarter earnings of $3.2 million, or $0.27 per diluted share, which is an increase compared to the second quarter of 2020 but a decrease compared to the third quarter of 2019. The results reflect the ongoing impact of the COVID-19 pandemic and acquisition-related activities.

Net income increased by $130,000 compared to the prior quarter.

The company funded 1,359 PPP loans totaling $140.2 million through the conclusion of the PPP on August 8, 2020.

Loans modified related to COVID-19 totaled $78.1 million.

Assets totaled $2.3 billion at September 30, 2020.

Total Revenue
$20.8M
Previous year: $19.9M
+4.8%
EPS
$0.27
Previous year: $0.46
-41.3%
Net Interest Margin
3.59%
Cash and Equivalents
$320M
Previous year: $337M
-5.1%
Free Cash Flow
$2.4M
Total Assets
$2.27B
Previous year: $1.77B
+28.3%

Baycom

Baycom

Forward Guidance

The company anticipates future results will be further impacted by the COVID-19 pandemic in a number of areas and will continue to proactively monitor modified loans and other loans at heightened risk.