Baycom

Q3 FY2026 EarningsQ3 FY26 earnings significantly missed consensus, with diluted EPS of $0.10 vs. $0.55 expected, and GAAP net income of $1.1M vs. $6.0M expected. The miss was primarily driven by a strategic $6.8M loss on the sale of investment securities and $1.1M in fair value losses on equity holdings, aimed at improving future yield. Despite the bottom-line pressure, Net Interest Margin (NIM) expanded to 4.11%, and total deposits grew 5.6% QoQ, reflecting a resilient funding base amid higher interest rates.