Bay Commercial Bank (BCML) Q3 Earnings Miss Estimates

Core Insights - Bay Commercial Bank reported quarterly earnings of $0.46 per share, missing the Zacks Consensus Estimate of $0.52 per share, and down from $0.54 per share a year ago, representing an earnings surprise of -11.54% [1] - The bank's revenues for the quarter ended September 2025 were $25.66 million, exceeding the Zacks Consensus Estimate by 3.46%, and slightly up from $25.61 million year-over-year [2] - The stock has underperformed the market, gaining about 4.9% year-to-date compared to the S&P 500's 13.9% increase [3] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $0.69 on revenues of $26.9 million, and for the current fiscal year, it is $2.20 on revenues of $101 million [7] - The estimate revisions trend for Bay Commercial Bank was unfavorable prior to the earnings release, resulting in a Zacks Rank 4 (Sell) for the stock, indicating expected underperformance in the near future [6] Industry Context - The Banks - West industry, to which Bay Commercial Bank belongs, is currently in the top 37% of over 250 Zacks industries, suggesting a favorable outlook compared to the bottom 50% [8] - Another company in the same industry, Sierra Bancorp, is expected to report quarterly earnings of $0.79 per share, reflecting a year-over-year increase of 6.8% [9]