BCML (BayCom) Effective Interest Rate on Debt % : 48.91% (As of Dec. 2024)

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What is BayCom Effective Interest Rate on Debt %?

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. BayCom's annualized positive value of Interest Expense for the quarter that ended in Dec. 2024 was $42.24 Mil. BayCom's average total debt for the quarter that ended in Dec. 2024 was $86.37 Mil. Therefore, BayCom's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2024 was 48.91%.

BayCom Effective Interest Rate on Debt % Historical Data

The historical data trend for BayCom's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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BayCom Effective Interest Rate on Debt % Chart

BayCom Annual Data

Trend

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Effective Interest Rate on Debt %

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15.77

10.14

11.90

32.25

46.64

BayCom Quarterly Data
	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25
Effective Interest Rate on Debt %	Get a 7-Day Free Trial															43.00	46.88	49.12	48.91	44.84

Competitive Comparison of BayCom's Effective Interest Rate on Debt %

For the Banks - Regional subindustry, BayCom's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

BayCom's Effective Interest Rate on Debt % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, BayCom's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where BayCom's Effective Interest Rate on Debt % falls into.

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BayCom Effective Interest Rate on Debt % Calculation

BayCom's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2024 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (A: Dec. 2023 )	+	Total Debt (A: Dec. 2024 ))	/ count )
=	-1 * -40.569	/	( (87.198	+	86.764)	/ 2 )
=	-1 * -40.569	/	86.981
=	46.64 %

where

	Total Debt (A: Dec. 2023 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	87.198	+	0
=	87.198

	Total Debt (A: Dec. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	86.764	+	0
=	86.764

BayCom's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2024 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (Q: Sep. 2024 )	+	Total Debt (Q: Dec. 2024 ))	/ count )
=	-1 * -42.24	/	( (85.979	+	86.764)	/ 2 )
=	-1 * -42.24	/	86.3715
=	48.91 %

where

	Total Debt (Q: Sep. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	85.979	+	0
=	85.979

	Total Debt (Q: Dec. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	86.764	+	0
=	86.764

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Dec. 2024) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

BayCom (NAS:BCML) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

BayCom Effective Interest Rate on Debt % Related Terms

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BayCom Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » BayCom Corp (NAS:BCML) » Definitions » Effective Interest Rate on Debt %

Comparable Companies

Traded in Other Exchanges

B2J:Germany

Address

500 Ygnacio Valley Road, Suite 200, Walnut Creek, CA, USA, 94596

Website

https://www.unitedbusinessbank.com

BayCom Corp is a bank holding company for United Business Bank. It provides a broad range of financial services to businesses and business owners as well as individuals through its full-service branches and loan production office. The company targets its services to small and medium-sized businesses, professional firms, real estate professionals, nonprofit businesses, labor unions, and related nonprofit entities and businesses and individual consumers. Its products and services include deposit products, personal accounts, loans, online banking, cash management, and business savings services.

Executives

George J. Guarini	director, officer: President and CEO	C/O BAYCOM CORP, 500 YGNACIO VALLEY ROAD, SUITE 200, WALNUT CREEK CA 94596
Robert G. Laverne	director	C/O BAYCOM CORP, 500 YGNACIO VALLEY ROAD, SUITE 200, WALNUT CREEK CA 94596
Kendall Lloyd W. Jr.	director, other: Chairman of the Board	C/O BAYCOM CORP, 500 YGNACIO VALLEY ROAD, SUITE 200, WALNUT CREEK CA 94596
Janet Lee King	officer: Senior EVP and COO	C/O BAYCOM CORP, 500 YGNACIO VALLEY ROAD, SUITE 200, WALNUT CREEK CA 94596
Malcolm Flemming Hotchkiss	director	100 HEGENBERGER ROAD, OAKLAND CA 94621
Syvia L. Magid	director	C/O BAYCOM CORP, 500 YGNACIO VALLEY RD., SUITE 200, WALNUT CREEK CA 94596
Rick Pak	officer: EVP and Chief Lending Officer	C/O BAYCOM CORP, 500 YGNACIO VALLEY RD., SUITE 200, WALNUT CREEK CA 94596
Harpreet S. Chaudhary	director	C/O BAYCOM CORP, 500 YGNACIO VALLEY ROAD, SUITE 200, WALNUT CREEK CA 94596
David M. Spatz	director	C/O BAYCOM CORP, 500 YGNACIO VALLEY ROAD, SUITE 200, WALNUT CREEK CA 94596
James S. Camp	director	C/O BAYCOM CORP, 500 YGNACIO VALLEY ROAD, SUITE 200, WALNUT CREEK CA 94596
Jon Rocco Davis	director	C/O BAYCOM CORP, 500 YGNACIO VALLEY ROAD, SUITE 200, WALNUT CREEK CA 94596
Keary L. Colwell	officer: Senior EVP, CFO and Secretary	C/O BAYCOM CORP, 500 YGNACIO VALLEY ROAD, SUITE 200, WALNUT CREEK CA 94596
David John Funkhouser	officer: EVP and Chief Credit Officer	C/O BAYCOM CORP, 500 YGNACIO VALLEY ROAD, SUITE 200, WALNUT CREEK CA 94596
Izabella Lin Zhu	officer: EVP and Chief Risk Officer	C/O BAYCOM CORP, 500 YGNACIO VALLEY ROAD, SUITE 200, WALNUT CREEK CA 94596
Mary Therese Curley	officer: EVP, Director Labor Service	C/O BAYCOM CORP, 500 YGNACIO VALLEY ROAD, SUITE 200, WALNUT CREEK CA 94596