- BayCom (BCML) reported **net income of $5.0 million** in Q3 2025, a decline primarily due to increased provisions for credit losses and higher noninterest expenses, despite net interest income rising to **$23.40 million**.  **[1730984_9dd6a30e6a224c95adf1ad79bdebb3f3]** 
- **Earnings per share (EPS) for Q3 2025 were $0.46**, missing analyst expectations of $0.51, and the net profit margin compressed from 24.9% to **24.4%**.  **[1730984_9dd6a30e6a224c95adf1ad79bdebb3f3]** 
- The company **repurchased 33,300 shares** during the quarter and **maintained its dividend**, demonstrating a commitment to shareholder returns.  **[1730984_9dd6a30e6a224c95adf1ad79bdebb3f3]** 
- Analysts hold a cautiously optimistic outlook, noting the stock trades below its discounted cash flow fair value, and its **price-to-earnings ratio decreased from 12 to 11** in the last three months.  **[1730984_9dd6a30e6a224c95adf1ad79bdebb3f3]**