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BayFirst Financial Corp.（BAFN）与Simulations Plus, Inc.（SLP）财务数据对比。点击上方公司名可切换其他公司
Simulations Plus, Inc.的季度营收约是BayFirst Financial Corp.的1.8倍（$18.4M vs $10.3M），Simulations Plus, Inc.净利率更高（3.7% vs -55.0%，领先58.6%），过去两年Simulations Plus, Inc.的营收复合增速更高（0.3% vs -29.6%）
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。
Simulations Plus公司为医药生物、化工、化妆品、食品原料及除草剂领域开发ADMET（吸收、分布、代谢、排泄和毒性）建模仿真软件，并于2014年9月收购了提供临床试验数据分析及咨询服务的Cognigen公司，助力相关行业研发工作开展。
BAFN vs SLP — 直观对比
营收规模更大
SLP
是对方的1.8倍
$10.3M
净利率更高
SLP
高出58.6%
-55.0%
两年增速更快
SLP
近两年复合增速
-29.6%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $10.3M | $18.4M |
| 净利润 | $-5.7M | $676.0K |
| 毛利率 | — | 59.1% |
| 营业利润率 | — | 3.9% |
| 净利率 | -55.0% | 3.7% |
| 营收同比 | — | -2.7% |
| 净利润同比 | -130.6% | 228.2% |
| 每股收益（稀释后） | $-1.48 | $0.03 |
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BAFNSLP
| Q1 26 | $10.3M | — | ||
| Q4 25 | $11.2M | $18.4M | ||
| Q3 25 | $10.2M | $17.5M | ||
| Q2 25 | $23.1M | $20.4M | ||
| Q1 25 | $19.8M | $22.4M | ||
| Q4 24 | $32.9M | $18.9M | ||
| Q3 24 | $21.7M | $18.7M | ||
| Q2 24 | $20.8M | $18.5M |
净利润BAFNSLP
| Q1 26 | $-5.7M | — | ||
| Q4 25 | $-2.5M | $676.0K | ||
| Q3 25 | $-18.9M | $-681.0K | ||
| Q2 25 | $-1.2M | $-67.3M | ||
| Q1 25 | $-335.0K | $3.1M | ||
| Q4 24 | $9.8M | $206.0K | ||
| Q3 24 | $1.1M | $843.0K | ||
| Q2 24 | $866.0K | $3.1M |
毛利率BAFNSLP
| Q1 26 | — | — | ||
| Q4 25 | — | 59.1% | ||
| Q3 25 | — | 56.4% | ||
| Q2 25 | — | 64.0% | ||
| Q1 25 | — | 58.5% | ||
| Q4 24 | — | 54.0% | ||
| Q3 24 | — | 36.6% | ||
| Q2 24 | — | 71.5% |
营业利润率BAFNSLP
| Q1 26 | — | — | ||
| Q4 25 | -25.3% | 3.9% | ||
| Q3 25 | -253.0% | 3.8% | ||
| Q2 25 | -7.1% | -364.5% | ||
| Q1 25 | -2.3% | 12.1% | ||
| Q4 24 | — | 0.7% | ||
| Q3 24 | 7.1% | -6.2% | ||
| Q2 24 | 5.9% | 10.1% |
净利率BAFNSLP
| Q1 26 | -55.0% | — | ||
| Q4 25 | -22.1% | 3.7% | ||
| Q3 25 | -184.7% | -3.9% | ||
| Q2 25 | -5.3% | -330.6% | ||
| Q1 25 | -1.7% | 13.7% | ||
| Q4 24 | 91.8% | 1.1% | ||
| Q3 24 | 5.2% | 4.5% | ||
| Q2 24 | 4.2% | 16.9% |
每股收益（稀释后）BAFNSLP
| Q1 26 | $-1.48 | — | ||
| Q4 25 | $-0.71 | $0.03 | ||
| Q3 25 | $-4.66 | $-0.03 | ||
| Q2 25 | $-0.39 | $-3.35 | ||
| Q1 25 | $-0.17 | $0.15 | ||
| Q4 24 | $2.21 | $0.01 | ||
| Q3 24 | $0.18 | $0.04 | ||
| Q2 24 | $0.12 | $0.15 |
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 | $35.7M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $81.9M | $127.1M |
| 总资产 | $1.2B | $137.8M |
| 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BAFNSLP
| Q1 26 | $134.5M | — | ||
| Q4 25 | $207.0M | $35.7M | ||
| Q3 25 | $118.5M | $32.4M | ||
| Q2 25 | $77.3M | $28.4M | ||
| Q1 25 | $63.2M | $21.4M | ||
| Q4 24 | $77.8M | $18.2M | ||
| Q3 24 | $64.4M | $20.3M | ||
| Q2 24 | $60.8M | $119.0M |
股东权益BAFNSLP
| Q1 26 | $81.9M | — | ||
| Q4 25 | $87.6M | $127.1M | ||
| Q3 25 | $89.7M | $124.8M | ||
| Q2 25 | $108.2M | $123.8M | ||
| Q1 25 | $110.1M | $189.5M | ||
| Q4 24 | $110.9M | $184.7M | ||
| Q3 24 | $102.3M | $182.4M | ||
| Q2 24 | $101.0M | $180.9M |
总资产BAFNSLP
| Q1 26 | $1.2B | — | ||
| Q4 25 | $1.3B | $137.8M | ||
| Q3 25 | $1.3B | $131.9M | ||
| Q2 25 | $1.3B | $134.4M | ||
| Q1 25 | $1.3B | $201.4M | ||
| Q4 24 | $1.3B | $196.9M | ||
| Q3 24 | $1.2B | $196.6M | ||
| Q2 24 | $1.2B | $192.7M |
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 | — | $4.2M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | 0.0% |
| 现金转化率经营现金流/净利润 | — | 6.26× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流BAFNSLP
| Q1 26 | — | — | ||
| Q4 25 | $285.3M | $4.2M | ||
| Q3 25 | $47.3M | $5.6M | ||
| Q2 25 | $63.3M | $8.1M | ||
| Q1 25 | $74.2M | $5.7M | ||
| Q4 24 | $390.5M | $-1.3M | ||
| Q3 24 | $90.8M | $1.7M | ||
| Q2 24 | $78.8M | $5.7M |
自由现金流BAFNSLP
| Q1 26 | — | — | ||
| Q4 25 | $285.0M | — | ||
| Q3 25 | $47.3M | $5.3M | ||
| Q2 25 | $63.1M | $7.8M | ||
| Q1 25 | $74.1M | $5.6M | ||
| Q4 24 | $388.8M | $-1.4M | ||
| Q3 24 | $90.5M | $1.6M | ||
| Q2 24 | $78.4M | $5.6M |
自由现金流率BAFNSLP
| Q1 26 | — | — | ||
| Q4 25 | 2554.2% | — | ||
| Q3 25 | 462.2% | 30.5% | ||
| Q2 25 | 272.7% | 38.5% | ||
| Q1 25 | 375.1% | 25.0% | ||
| Q4 24 | 1180.9% | -7.2% | ||
| Q3 24 | 416.5% | 8.8% | ||
| Q2 24 | 376.1% | 30.0% |
资本支出强度BAFNSLP
| Q1 26 | — | — | ||
| Q4 25 | 2.7% | 0.0% | ||
| Q3 25 | 0.1% | 1.5% | ||
| Q2 25 | 0.8% | 1.5% | ||
| Q1 25 | 0.4% | 0.3% | ||
| Q4 24 | 5.1% | 0.5% | ||
| Q3 24 | 1.5% | 0.1% | ||
| Q2 24 | 1.9% | 0.6% |
现金转化率BAFNSLP
| Q1 26 | — | — | ||
| Q4 25 | — | 6.26× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 1.84× | ||
| Q4 24 | 39.95× | -6.18× | ||
| Q3 24 | 79.85× | 1.97× | ||
| Q2 24 | 90.94× | 1.81× |
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% |
SLP
| Services Segment | $9.5M | 52% |
| Development | $7.2M | 39% |
| Discovery | $1.3M | 7% |
