vs
BayFirst Financial Corp.（BAFN）与FutureFuel Corp.（FF）财务数据对比。点击上方公司名可切换其他公司
FutureFuel Corp.的季度营收约是BayFirst Financial Corp.的1.9倍（$19.8M vs $10.3M），BayFirst Financial Corp.净利率更高（-55.0% vs -60.5%，领先5.6%），过去两年BayFirst Financial Corp.的营收复合增速更高（-29.6% vs -41.7%）
PNC金融服务集团是一家总部位于美国宾夕法尼亚州匹兹堡的银行控股金融服务企业。旗下核心子公司PNC银行在美国27个州及华盛顿哥伦比亚特区开展业务，拥有超2600家分支机构和近9500台ATM，按资产、网点数量、存款规模及ATM数量计算，是美国规模名列前茅的大型银行。
FutureFuel是一家专注于化学品与生物燃料的研发生产商，业务涵盖相关产品的开发与生产，目前在纽约证券交易所挂牌上市，股票代码为FF。
BAFN vs FF — 直观对比
营收规模更大
FF
是对方的1.9倍
$10.3M
净利率更高
BAFN
高出5.6%
-60.5%
两年增速更快
BAFN
近两年复合增速
-41.7%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $10.3M | $19.8M |
| 净利润 | $-5.7M | $-12.0M |
| 毛利率 | — | -46.7% |
| 营业利润率 | — | -62.9% |
| 净利率 | -55.0% | -60.5% |
| 营收同比 | — | -67.7% |
| 净利润同比 | -130.6% | -529.4% |
| 每股收益（稀释后） | $-1.48 | $-0.28 |
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BAFNFF
| Q1 26 | $10.3M | — | ||
| Q4 25 | $11.2M | $19.8M | ||
| Q3 25 | $10.2M | $22.7M | ||
| Q2 25 | $23.1M | $35.7M | ||
| Q1 25 | $19.8M | $17.5M | ||
| Q4 24 | $32.9M | $61.5M | ||
| Q3 24 | $21.7M | $51.1M | ||
| Q2 24 | $20.8M | $72.4M |
净利润BAFNFF
| Q1 26 | $-5.7M | — | ||
| Q4 25 | $-2.5M | $-12.0M | ||
| Q3 25 | $-18.9M | $-9.3M | ||
| Q2 25 | $-1.2M | $-10.4M | ||
| Q1 25 | $-335.0K | $-17.6M | ||
| Q4 24 | $9.8M | $2.8M | ||
| Q3 24 | $1.1M | $-1.2M | ||
| Q2 24 | $866.0K | $9.6M |
毛利率BAFNFF
| Q1 26 | — | — | ||
| Q4 25 | — | -46.7% | ||
| Q3 25 | — | -30.1% | ||
| Q2 25 | — | -24.6% | ||
| Q1 25 | — | -83.0% | ||
| Q4 24 | — | 9.1% | ||
| Q3 24 | — | 0.7% | ||
| Q2 24 | — | 12.0% |
营业利润率BAFNFF
| Q1 26 | — | — | ||
| Q4 25 | -25.3% | -62.9% | ||
| Q3 25 | -253.0% | -42.9% | ||
| Q2 25 | -7.1% | -33.4% | ||
| Q1 25 | -2.3% | -107.4% | ||
| Q4 24 | — | 2.6% | ||
| Q3 24 | 7.1% | -5.6% | ||
| Q2 24 | 5.9% | 7.5% |
净利率BAFNFF
| Q1 26 | -55.0% | — | ||
| Q4 25 | -22.1% | -60.5% | ||
| Q3 25 | -184.7% | -41.1% | ||
| Q2 25 | -5.3% | -29.2% | ||
| Q1 25 | -1.7% | -100.6% | ||
| Q4 24 | 91.8% | 4.5% | ||
| Q3 24 | 5.2% | -2.3% | ||
| Q2 24 | 4.2% | 13.2% |
每股收益（稀释后）BAFNFF
| Q1 26 | $-1.48 | — | ||
| Q4 25 | $-0.71 | $-0.28 | ||
| Q3 25 | $-4.66 | $-0.21 | ||
| Q2 25 | $-0.39 | $-0.24 | ||
| Q1 25 | $-0.17 | $-0.40 | ||
| Q4 24 | $2.21 | $0.06 | ||
| Q3 24 | $0.18 | $-0.03 | ||
| Q2 24 | $0.12 | $0.22 |
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 | $134.5M | $51.3M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $81.9M | $154.7M |
| 总资产 | $1.2B | $192.2M |
| 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BAFNFF
| Q1 26 | $134.5M | — | ||
| Q4 25 | $207.0M | $51.3M | ||
| Q3 25 | $118.5M | $85.6M | ||
| Q2 25 | $77.3M | $95.2M | ||
| Q1 25 | $63.2M | $97.1M | ||
| Q4 24 | $77.8M | $109.5M | ||
| Q3 24 | $64.4M | $133.4M | ||
| Q2 24 | $60.8M | $115.1M |
股东权益BAFNFF
| Q1 26 | $81.9M | — | ||
| Q4 25 | $87.6M | $154.7M | ||
| Q3 25 | $89.7M | $169.1M | ||
| Q2 25 | $108.2M | $178.2M | ||
| Q1 25 | $110.1M | $188.4M | ||
| Q4 24 | $110.9M | $205.8M | ||
| Q3 24 | $102.3M | $213.3M | ||
| Q2 24 | $101.0M | $214.4M |
总资产BAFNFF
| Q1 26 | $1.2B | — | ||
| Q4 25 | $1.3B | $192.2M | ||
| Q3 25 | $1.3B | $203.5M | ||
| Q2 25 | $1.3B | $218.2M | ||
| Q1 25 | $1.3B | $227.7M | ||
| Q4 24 | $1.3B | $247.7M | ||
| Q3 24 | $1.2B | $256.5M | ||
| Q2 24 | $1.2B | $261.2M |
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 | — | $-27.4M |
| 自由现金流经营现金流 - 资本支出 | — | $-29.9M |
| 自由现金流率自由现金流/营收 | — | -150.5% |
| 资本支出强度资本支出/营收 | — | 12.2% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $-46.0M |
8季度趋势，按日历期对齐
经营现金流BAFNFF
| Q1 26 | — | — | ||
| Q4 25 | $285.3M | $-27.4M | ||
| Q3 25 | $47.3M | $-1.1M | ||
| Q2 25 | $63.3M | $5.2M | ||
| Q1 25 | $74.2M | $-5.4M | ||
| Q4 24 | $390.5M | $-16.6M | ||
| Q3 24 | $90.8M | $25.8M | ||
| Q2 24 | $78.8M | $27.8M |
自由现金流BAFNFF
| Q1 26 | — | — | ||
| Q4 25 | $285.0M | $-29.9M | ||
| Q3 25 | $47.3M | $-6.5M | ||
| Q2 25 | $63.1M | $-263.0K | ||
| Q1 25 | $74.1M | $-9.4M | ||
| Q4 24 | $388.8M | $-20.7M | ||
| Q3 24 | $90.5M | $20.5M | ||
| Q2 24 | $78.4M | $24.8M |
自由现金流率BAFNFF
| Q1 26 | — | — | ||
| Q4 25 | 2554.2% | -150.5% | ||
| Q3 25 | 462.2% | -28.5% | ||
| Q2 25 | 272.7% | -0.7% | ||
| Q1 25 | 375.1% | -53.6% | ||
| Q4 24 | 1180.9% | -33.6% | ||
| Q3 24 | 416.5% | 40.1% | ||
| Q2 24 | 376.1% | 34.3% |
资本支出强度BAFNFF
| Q1 26 | — | — | ||
| Q4 25 | 2.7% | 12.2% | ||
| Q3 25 | 0.1% | 23.5% | ||
| Q2 25 | 0.8% | 15.3% | ||
| Q1 25 | 0.4% | 22.8% | ||
| Q4 24 | 5.1% | 6.6% | ||
| Q3 24 | 1.5% | 10.4% | ||
| Q2 24 | 1.9% | 4.1% |
现金转化率BAFNFF
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 39.95× | -5.94× | ||
| Q3 24 | 79.85× | — | ||
| Q2 24 | 90.94× | 2.90× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
BAFN
| Net Interest Income | $9.4M | 91% |
| Noninterest Income | $884.0K | 9% |
FF
| Chemicals | $18.0M | 91% |
| Biofuels | $1.8M | 9% |
