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ARROW FINANCIAL CORP（AROW）与California BanCorp \ CA（BCAL）财务数据对比。点击上方公司名可切换其他公司
California BanCorp \ CA的季度营收约是ARROW FINANCIAL CORP的1.6倍（$42.9M vs $27.2M）。California BanCorp \ CA净利率更高（38.3% vs 31.7%，领先6.6%）。ARROW FINANCIAL CORP同比增速更快（5.4% vs -3.7%）。California BanCorp \ CA自由现金流更多（$20.8M vs $7.5M）。过去两年California BanCorp \ CA的营收复合增速更高（44.7% 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。
太平洋第一控股是依据美国1956年银行控股公司法案成立的美国银行控股集团，总部位于加利福尼亚州欧文市。集团核心业务围绕旗下太平洋第一银行展开，为个人、企业及专业人士提供各类金融服务，目前在加州、亚利桑那州、内华达州和华盛顿州开设了多家网点。
AROW vs BCAL — 直观对比
营收规模更大
BCAL
是对方的1.6倍
$27.2M
营收增速更快
AROW
高出9.0%
-3.7%
净利率更高
BCAL
高出6.6%
31.7%
自由现金流更多
BCAL
多$13.3M
$7.5M
两年增速更快
BCAL
近两年复合增速
-6.3%
损益表 — Q2 2024 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $27.2M | $42.9M |
| 净利润 | $8.6M | $16.4M |
| 毛利率 | — | — |
| 营业利润率 | — | 52.2% |
| 净利率 | 31.7% | 38.3% |
| 营收同比 | 5.4% | -3.7% |
| 净利润同比 | 42.3% | -2.1% |
| 每股收益（稀释后） | $0.52 | $0.50 |
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AROWBCAL
| Q4 25 | — | $42.9M | ||
| Q3 25 | — | $42.5M | ||
| Q2 25 | — | $41.4M | ||
| Q1 25 | — | $42.3M | ||
| Q4 24 | — | $44.5M | ||
| Q3 24 | — | $36.9M | ||
| Q2 24 | $27.2M | $21.0M | ||
| Q1 24 | $26.5M | $20.5M |
净利润AROWBCAL
| Q4 25 | — | $16.4M | ||
| Q3 25 | — | $15.7M | ||
| Q2 25 | — | $14.1M | ||
| Q1 25 | — | $16.9M | ||
| Q4 24 | — | $16.8M | ||
| Q3 24 | — | $-16.5M | ||
| Q2 24 | $8.6M | $190.0K | ||
| Q1 24 | $7.7M | $4.9M |
营业利润率AROWBCAL
| Q4 25 | — | 52.2% | ||
| Q3 25 | — | 51.3% | ||
| Q2 25 | — | 48.5% | ||
| Q1 25 | — | 56.0% | ||
| Q4 24 | — | 52.2% | ||
| Q3 24 | — | -61.0% | ||
| Q2 24 | — | 1.3% | ||
| Q1 24 | — | 35.4% |
净利率AROWBCAL
| Q4 25 | — | 38.3% | ||
| Q3 25 | — | 36.9% | ||
| Q2 25 | — | 34.0% | ||
| Q1 25 | — | 39.9% | ||
| Q4 24 | — | 37.7% | ||
| Q3 24 | — | -44.6% | ||
| Q2 24 | 31.7% | 0.9% | ||
| Q1 24 | 29.0% | 24.1% |
每股收益（稀释后）AROWBCAL
| Q4 25 | — | $0.50 | ||
| Q3 25 | — | $0.48 | ||
| Q2 25 | — | $0.43 | ||
| Q1 25 | — | $0.52 | ||
| Q4 24 | — | $0.54 | ||
| Q3 24 | — | $-0.59 | ||
| Q2 24 | $0.52 | $0.01 | ||
| Q1 24 | $0.45 | $0.26 |
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 | — | $399.9M |
| 总债务越低越好 | — | $33.8M |
| 股东权益账面价值 | $383.0M | $576.6M |
| 总资产 | $4.2B | $4.0B |
| 负债/权益比越低杠杆越低 | — | 0.06× |
8季度趋势，按日历期对齐
现金及短期投资AROWBCAL
| Q4 25 | — | $399.9M | ||
| Q3 25 | — | $559.2M | ||
| Q2 25 | — | $430.1M | ||
| Q1 25 | — | $439.2M | ||
| Q4 24 | — | $388.2M | ||
| Q3 24 | — | $614.4M | ||
| Q2 24 | — | $104.7M | ||
| Q1 24 | — | $86.5M |
总债务AROWBCAL
| Q4 25 | — | $33.8M | ||
| Q3 25 | — | $33.4M | ||
| Q2 25 | — | $52.9M | ||
| Q1 25 | — | $70.3M | ||
| Q4 24 | — | $69.7M | ||
| Q3 24 | — | $69.1M | ||
| Q2 24 | — | $42.9M | ||
| Q1 24 | — | $44.9M |
股东权益AROWBCAL
| Q4 25 | — | $576.6M | ||
| Q3 25 | — | $564.7M | ||
| Q2 25 | — | $547.6M | ||
| Q1 25 | — | $531.4M | ||
| Q4 24 | — | $511.8M | ||
| Q3 24 | — | $498.1M | ||
| Q2 24 | $383.0M | $293.2M | ||
| Q1 24 | $378.0M | $292.5M |
总资产AROWBCAL
| Q4 25 | — | $4.0B | ||
| Q3 25 | — | $4.1B | ||
| Q2 25 | — | $4.0B | ||
| Q1 25 | — | $4.0B | ||
| Q4 24 | — | $4.0B | ||
| Q3 24 | — | $4.4B | ||
| Q2 24 | $4.2B | $2.3B | ||
| Q1 24 | $4.3B | $2.3B |
负债/权益比AROWBCAL
| Q4 25 | — | 0.06× | ||
| Q3 25 | — | 0.06× | ||
| Q2 25 | — | 0.10× | ||
| Q1 25 | — | 0.13× | ||
| Q4 24 | — | 0.14× | ||
| Q3 24 | — | 0.14× | ||
| Q2 24 | — | 0.15× | ||
| Q1 24 | — | 0.15× |
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 | $20.9M |
| 自由现金流经营现金流 - 资本支出 | $7.5M | $20.8M |
| 自由现金流率自由现金流/营收 | 27.7% | 48.5% |
| 资本支出强度资本支出/营收 | 5.8% | 0.2% |
| 现金转化率经营现金流/净利润 | 1.06× | 1.27× |
| 过去12个月自由现金流最近4个季度 | $9.6M | $56.9M |
8季度趋势，按日历期对齐
经营现金流AROWBCAL
| Q4 25 | — | $20.9M | ||
| Q3 25 | — | $16.0M | ||
| Q2 25 | — | $13.4M | ||
| Q1 25 | — | $7.0M | ||
| Q4 24 | — | $23.6M | ||
| Q3 24 | — | $18.3M | ||
| Q2 24 | $9.1M | $309.0K | ||
| Q1 24 | $10.3M | $8.1M |
自由现金流AROWBCAL
| Q4 25 | — | $20.8M | ||
| Q3 25 | — | $15.9M | ||
| Q2 25 | — | $13.4M | ||
| Q1 25 | — | $6.9M | ||
| Q4 24 | — | $23.5M | ||
| Q3 24 | — | $18.1M | ||
| Q2 24 | $7.5M | $171.0K | ||
| Q1 24 | $9.2M | $8.0M |
自由现金流率AROWBCAL
| Q4 25 | — | 48.5% | ||
| Q3 25 | — | 37.3% | ||
| Q2 25 | — | 32.3% | ||
| Q1 25 | — | 16.3% | ||
| Q4 24 | — | 52.7% | ||
| Q3 24 | — | 49.0% | ||
| Q2 24 | 27.7% | 0.8% | ||
| Q1 24 | 34.8% | 38.9% |
资本支出强度AROWBCAL
| Q4 25 | — | 0.2% | ||
| Q3 25 | — | 0.3% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 0.3% | ||
| Q3 24 | — | 0.5% | ||
| Q2 24 | 5.8% | 0.7% | ||
| Q1 24 | 4.4% | 0.4% |
现金转化率AROWBCAL
| Q4 25 | — | 1.27× | ||
| Q3 25 | — | 1.02× | ||
| Q2 25 | — | 0.95× | ||
| Q1 25 | — | 0.41× | ||
| Q4 24 | — | 1.41× | ||
| Q3 24 | — | — | ||
| Q2 24 | 1.06× | 1.63× | ||
| Q1 24 | 1.35× | 1.63× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
