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BANCFIRST CORP（BANF）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
BANCFIRST CORP的季度营收约是California BanCorp \ CA的3.0倍（$127.7M vs $42.9M）。BANCFIRST CORP净利率更高（46.6% vs 38.3%，领先8.3%）。BANCFIRST CORP同比增速更快（10.1% vs -3.7%）。BANCFIRST CORP自由现金流更多（$43.2M vs $20.8M）。过去两年California BanCorp \ CA的营收复合增速更高（44.7% vs 9.7%）
BancFirst Corporation是总部位于美国俄克拉荷马州的金融服务控股公司，旗下共运营三家附属银行：俄克拉荷马州特许银行BancFirst，以及得克萨斯州特许的Pegasus银行和沃辛顿银行，为两地市场提供多元金融服务。
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。
BANF vs BCAL — 直观对比
营收规模更大
BANF
是对方的3.0倍
$42.9M
营收增速更快
BANF
高出13.8%
-3.7%
净利率更高
BANF
高出8.3%
38.3%
自由现金流更多
BANF
多$22.4M
$20.8M
两年增速更快
BCAL
近两年复合增速
9.7%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $127.7M | $42.9M |
| 净利润 | $59.5M | $16.4M |
| 毛利率 | — | — |
| 营业利润率 | 59.0% | 52.2% |
| 净利率 | 46.6% | 38.3% |
| 营收同比 | 10.1% | -3.7% |
| 净利润同比 | 5.3% | -2.1% |
| 每股收益（稀释后） | $1.75 | $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BANFBCAL
| Q4 25 | $127.7M | $42.9M | ||
| Q3 25 | $125.6M | $42.5M | ||
| Q2 25 | $121.3M | $41.4M | ||
| Q1 25 | $115.9M | $42.3M | ||
| Q4 24 | $115.9M | $44.5M | ||
| Q3 24 | $115.0M | $36.9M | ||
| Q2 24 | $109.9M | $21.0M | ||
| Q1 24 | $106.1M | $20.5M |
净利润BANFBCAL
| Q4 25 | $59.5M | $16.4M | ||
| Q3 25 | $62.7M | $15.7M | ||
| Q2 25 | $62.3M | $14.1M | ||
| Q1 25 | $56.1M | $16.9M | ||
| Q4 24 | $56.5M | $16.8M | ||
| Q3 24 | $58.9M | $-16.5M | ||
| Q2 24 | $50.6M | $190.0K | ||
| Q1 24 | $50.3M | $4.9M |
营业利润率BANFBCAL
| Q4 25 | 59.0% | 52.2% | ||
| Q3 25 | 62.9% | 51.3% | ||
| Q2 25 | 65.7% | 48.5% | ||
| Q1 25 | 61.3% | 56.0% | ||
| Q4 24 | 62.1% | 52.2% | ||
| Q3 24 | 64.3% | -61.0% | ||
| Q2 24 | 59.3% | 1.3% | ||
| Q1 24 | 60.5% | 35.4% |
净利率BANFBCAL
| Q4 25 | 46.6% | 38.3% | ||
| Q3 25 | 49.9% | 36.9% | ||
| Q2 25 | 51.4% | 34.0% | ||
| Q1 25 | 48.4% | 39.9% | ||
| Q4 24 | 48.7% | 37.7% | ||
| Q3 24 | 51.2% | -44.6% | ||
| Q2 24 | 46.1% | 0.9% | ||
| Q1 24 | 47.4% | 24.1% |
每股收益（稀释后）BANFBCAL
| Q4 25 | $1.75 | $0.50 | ||
| Q3 25 | $1.85 | $0.48 | ||
| Q2 25 | $1.85 | $0.43 | ||
| Q1 25 | $1.66 | $0.52 | ||
| Q4 24 | $1.68 | $0.54 | ||
| Q3 24 | $1.75 | $-0.59 | ||
| Q2 24 | $1.51 | $0.01 | ||
| Q1 24 | $1.50 | $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 | $1.9B | $576.6M |
| 总资产 | $14.8B | $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BANFBCAL
| 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BANFBCAL
| 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BANFBCAL
| Q4 25 | $1.9B | $576.6M | ||
| Q3 25 | $1.8B | $564.7M | ||
| Q2 25 | $1.7B | $547.6M | ||
| Q1 25 | $1.7B | $531.4M | ||
| Q4 24 | $1.6B | $511.8M | ||
| Q3 24 | $1.6B | $498.1M | ||
| Q2 24 | $1.5B | $293.2M | ||
| Q1 24 | $1.5B | $292.5M |
总资产BANFBCAL
| Q4 25 | $14.8B | $4.0B | ||
| Q3 25 | $14.2B | $4.1B | ||
| Q2 25 | $14.0B | $4.0B | ||
| Q1 25 | $14.0B | $4.0B | ||
| Q4 24 | $13.6B | $4.0B | ||
| Q3 24 | $13.3B | $4.4B | ||
| Q2 24 | $12.7B | $2.3B | ||
| Q1 24 | $12.6B | $2.3B |
负债/权益比BANFBCAL
| 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 | $54.8M | $20.9M |
| 自由现金流经营现金流 - 资本支出 | $43.2M | $20.8M |
| 自由现金流率自由现金流/营收 | 33.9% | 48.5% |
| 资本支出强度资本支出/营收 | 9.0% | 0.2% |
| 现金转化率经营现金流/净利润 | 0.92× | 1.27× |
| 过去12个月自由现金流最近4个季度 | $237.0M | $56.9M |
8季度趋势，按日历期对齐
经营现金流BANFBCAL
| Q4 25 | $54.8M | $20.9M | ||
| Q3 25 | $75.4M | $16.0M | ||
| Q2 25 | $78.1M | $13.4M | ||
| Q1 25 | $77.0M | $7.0M | ||
| Q4 24 | $17.1M | $23.6M | ||
| Q3 24 | $77.6M | $18.3M | ||
| Q2 24 | $100.2M | $309.0K | ||
| Q1 24 | $66.3M | $8.1M |
自由现金流BANFBCAL
| Q4 25 | $43.2M | $20.8M | ||
| Q3 25 | $63.7M | $15.9M | ||
| Q2 25 | $64.4M | $13.4M | ||
| Q1 25 | $65.6M | $6.9M | ||
| Q4 24 | $2.0M | $23.5M | ||
| Q3 24 | $72.4M | $18.1M | ||
| Q2 24 | $94.1M | $171.0K | ||
| Q1 24 | $56.1M | $8.0M |
自由现金流率BANFBCAL
| Q4 25 | 33.9% | 48.5% | ||
| Q3 25 | 50.7% | 37.3% | ||
| Q2 25 | 53.1% | 32.3% | ||
| Q1 25 | 56.6% | 16.3% | ||
| Q4 24 | 1.7% | 52.7% | ||
| Q3 24 | 62.9% | 49.0% | ||
| Q2 24 | 85.7% | 0.8% | ||
| Q1 24 | 52.8% | 38.9% |
资本支出强度BANFBCAL
| Q4 25 | 9.0% | 0.2% | ||
| Q3 25 | 9.3% | 0.3% | ||
| Q2 25 | 11.3% | 0.1% | ||
| Q1 25 | 9.8% | 0.2% | ||
| Q4 24 | 13.1% | 0.3% | ||
| Q3 24 | 4.6% | 0.5% | ||
| Q2 24 | 5.5% | 0.7% | ||
| Q1 24 | 9.7% | 0.4% |
现金转化率BANFBCAL
| Q4 25 | 0.92× | 1.27× | ||
| Q3 25 | 1.20× | 1.02× | ||
| Q2 25 | 1.25× | 0.95× | ||
| Q1 25 | 1.37× | 0.41× | ||
| Q4 24 | 0.30× | 1.41× | ||
| Q3 24 | 1.32× | — | ||
| Q2 24 | 1.98× | 1.63× | ||
| Q1 24 | 1.32× | 1.63× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
