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ARROW FINANCIAL CORP（AROW）与BANC OF CALIFORNIA, INC.（BANC）财务数据对比。点击上方公司名可切换其他公司
BANC OF CALIFORNIA, INC.的季度营收约是ARROW FINANCIAL CORP的10.6倍（$286.9M vs $27.2M）。ARROW FINANCIAL CORP净利率更高（31.7% vs 25.1%，领先6.6%）。BANC OF CALIFORNIA, INC.同比增速更快（7.9% vs 5.4%）。过去两年BANC OF CALIFORNIA, INC.的营收复合增速更高（462.3% vs -6.3%）
箭金融控股（ARROW FINANCIAL CORP）旗下的福克星银行是一家总部设在美国纽约希克斯维尔的美国区域性金融服务控股公司，2023年时共运营有395家分支机构，所有分支机构已于2024年2月21日统一更名为福克星品牌。
加州银行是一家美国金融机构，总部位于加利福尼亚州洛杉矶，在加州设有80家分支机构，业务网点还覆盖科罗拉多州丹佛、北卡罗来纳州达勒姆等地，包括纽约、芝加哥在内的全美员工约2000人。该行提供多元化的存贷款产品与服务，专注为中小市场企业及获创投注资的企业提供银行与财资管理解决方案。
AROW vs BANC — 直观对比
营收规模更大
BANC
是对方的10.6倍
$27.2M
营收增速更快
BANC
高出2.5%
5.4%
净利率更高
AROW
高出6.6%
25.1%
两年增速更快
BANC
近两年复合增速
-6.3%
损益表 — Q2 2024 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $27.2M | $286.9M |
| 净利润 | $8.6M | $72.0M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 31.7% | 25.1% |
| 营收同比 | 5.4% | 7.9% |
| 净利润同比 | 42.3% | 34.3% |
| 每股收益（稀释后） | $0.52 | $0.39 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收AROWBANC
| Q1 26 | — | $286.9M | ||
| Q4 25 | — | $9.5M | ||
| Q3 25 | — | $9.8M | ||
| Q2 25 | — | $9.3M | ||
| Q1 25 | — | $10.2M | ||
| Q4 24 | — | $9.3M | ||
| Q3 24 | — | $9.1M | ||
| Q2 24 | $27.2M | $9.1M |
净利润AROWBANC
| Q1 26 | — | $72.0M | ||
| Q4 25 | — | $77.4M | ||
| Q3 25 | — | $69.6M | ||
| Q2 25 | — | $28.4M | ||
| Q1 25 | — | $53.6M | ||
| Q4 24 | — | $56.9M | ||
| Q3 24 | — | $8.8M | ||
| Q2 24 | $8.6M | $30.3M |
净利率AROWBANC
| Q1 26 | — | 25.1% | ||
| Q4 25 | — | 812.4% | ||
| Q3 25 | — | 712.8% | ||
| Q2 25 | — | 304.9% | ||
| Q1 25 | — | 525.6% | ||
| Q4 24 | — | 611.6% | ||
| Q3 24 | — | 97.0% | ||
| Q2 24 | 31.7% | 334.2% |
每股收益（稀释后）AROWBANC
| Q1 26 | — | $0.39 | ||
| Q4 25 | — | $0.41 | ||
| Q3 25 | — | $0.38 | ||
| Q2 25 | — | $0.12 | ||
| Q1 25 | — | $0.26 | ||
| Q4 24 | — | $0.29 | ||
| Q3 24 | — | $-0.01 | ||
| Q2 24 | $0.52 | $0.12 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | — | $2.2B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $383.0M | $3.6B |
| 总资产 | $4.2B | $34.7B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资AROWBANC
| Q1 26 | — | $2.2B | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
总债务AROWBANC
| Q1 26 | — | — | ||
| Q4 25 | — | $2.1B | ||
| Q3 25 | — | $2.0B | ||
| Q2 25 | — | $1.9B | ||
| Q1 25 | — | $1.7B | ||
| Q4 24 | — | $1.4B | ||
| Q3 24 | — | $1.6B | ||
| Q2 24 | — | $1.4B |
股东权益AROWBANC
| Q1 26 | — | $3.6B | ||
| Q4 25 | — | $3.5B | ||
| Q3 25 | — | $3.5B | ||
| Q2 25 | — | $3.4B | ||
| Q1 25 | — | $3.5B | ||
| Q4 24 | — | $3.5B | ||
| Q3 24 | — | $3.5B | ||
| Q2 24 | $383.0M | $3.4B |
总资产AROWBANC
| Q1 26 | — | $34.7B | ||
| Q4 25 | — | $34.8B | ||
| Q3 25 | — | $34.0B | ||
| Q2 25 | — | $34.3B | ||
| Q1 25 | — | $33.8B | ||
| Q4 24 | — | $33.5B | ||
| Q3 24 | — | $33.4B | ||
| Q2 24 | $4.2B | $35.2B |
负债/权益比AROWBANC
| Q1 26 | — | — | ||
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.58× | ||
| Q2 25 | — | 0.56× | ||
| Q1 25 | — | 0.47× | ||
| Q4 24 | — | 0.40× | ||
| Q3 24 | — | 0.46× | ||
| Q2 24 | — | 0.42× |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $9.1M | — |
| 自由现金流经营现金流 - 资本支出 | $7.5M | — |
| 自由现金流率自由现金流/营收 | 27.7% | — |
| 资本支出强度资本支出/营收 | 5.8% | — |
| 现金转化率经营现金流/净利润 | 1.06× | — |
| 过去12个月自由现金流最近4个季度 | $9.6M | — |
8季度趋势，按日历期对齐
经营现金流AROWBANC
| Q1 26 | — | — | ||
| Q4 25 | — | $102.1M | ||
| Q3 25 | — | $75.7M | ||
| Q2 25 | — | $62.7M | ||
| Q1 25 | — | $15.1M | ||
| Q4 24 | — | $79.8M | ||
| Q3 24 | — | $46.9M | ||
| Q2 24 | $9.1M | $39.1M |
自由现金流AROWBANC
| Q1 26 | — | — | ||
| Q4 25 | — | $84.2M | ||
| Q3 25 | — | $75.5M | ||
| Q2 25 | — | $61.4M | ||
| Q1 25 | — | $13.6M | ||
| Q4 24 | — | $75.7M | ||
| Q3 24 | — | $44.6M | ||
| Q2 24 | $7.5M | $34.4M |
自由现金流率AROWBANC
| Q1 26 | — | — | ||
| Q4 25 | — | 884.2% | ||
| Q3 25 | — | 772.9% | ||
| Q2 25 | — | 660.1% | ||
| Q1 25 | — | 133.4% | ||
| Q4 24 | — | 813.0% | ||
| Q3 24 | — | 492.2% | ||
| Q2 24 | 27.7% | 379.1% |
资本支出强度AROWBANC
| Q1 26 | — | — | ||
| Q4 25 | — | 187.4% | ||
| Q3 25 | — | 1.9% | ||
| Q2 25 | — | 13.6% | ||
| Q1 25 | — | 15.0% | ||
| Q4 24 | — | 44.4% | ||
| Q3 24 | — | 25.1% | ||
| Q2 24 | 5.8% | 51.8% |
现金转化率AROWBANC
| Q1 26 | — | — | ||
| Q4 25 | — | 1.32× | ||
| Q3 25 | — | 1.09× | ||
| Q2 25 | — | 2.21× | ||
| Q1 25 | — | 0.28× | ||
| Q4 24 | — | 1.40× | ||
| Q3 24 | — | 5.34× | ||
| Q2 24 | 1.06× | 1.29× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
