Revenue: As of FY2025 Q3, the actual value is USD 37.2 M.EPS: As of FY2025 Q3, the actual value is USD 0.46, beating the estimate of USD 0.4533.EBIT: As of FY2025 Q3, the actual value is USD -16.67 M.<h3>Segment Revenue</h3><ul><li>Interest Income: Total interest income for the three months ended September 30, 2025, was $34.95 million, compared to $33.43 million for the same period in 2024, an increase of $1.52 million or 4.6%.</li><li>Noninterest Income: Noninterest income decreased by $497,000, or 18.1%, to $2.25 million for the third quarter of 2025, compared to $2.75 million for the third quarter of 2024.</li></ul><h3>Operational Metrics</h3><ul><li>Net Income: Net income for the three months ended September 30, 2025, was $5.01 million, compared to $6.02 million for the same period in 2024, a decrease of $1.01 million or 13.6%.</li><li>Net Interest Margin: The net interest margin for the three months ended September 30, 2025, was 3.68%, compared to 3.73% for the same period in 2024.</li><li>Provision for Credit Losses: The provision for credit losses was $2.97 million for the three months ended September 30, 2025, compared to $1.25 million for the same period in 2024.</li></ul><h3>Cash Flow</h3><ul><li>Operating Cash Flow: Net cash provided by operating activities was $22.99 million for the nine months ended September 30, 2025, compared to $22.37 million for the same period in 2024.</li><li>Investing Cash Flow: Net cash used in investing activities was - $77.97 million for the nine months ended September 30, 2025, compared to - $19.35 million for the same period in 2024.</li><li>Financing Cash Flow: Net cash used in financing activities was - $80.61 million for the nine months ended September 30, 2025, compared to - $9.27 million for the same period in 2024.</li></ul><h3>Unique Metrics</h3><ul><li>Allowance for Credit Losses: The allowance for credit losses was $20.8 million, or 1.02% of total loans, at September 30, 2025, compared to $17.9 million, or 0.92% of total loans, at December 31, 2024.</li></ul><h3>Future Outlook and Strategy</h3><ul><li>Core Business Focus: The company aims to enhance shareholder value and generate consistent earnings growth by expanding its commercial banking franchise through strategic acquisitions and organic growth. The focus is on growing commercial loan portfolios and leveraging potential within metropolitan and community markets.</li><li>Non-Core Business: The company has no specific plans related to divestitures or emerging segments mentioned in the report.</li></ul>

Baycom | 10-Q: FY2025 Q3 Revenue: USD 37.2 M