vs
California BanCorp \ CA（BCAL）与Clearfield, Inc.（CLFD）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Clearfield, Inc.的1.3倍（$45.9M vs $34.3M），California BanCorp \ CA净利率更高（35.8% vs -1.8%，领先37.6%），California BanCorp \ CA同比增速更快（0.8% vs -3.2%），California BanCorp \ CA自由现金流更多（$56.9M vs $-2.4M），过去两年California BanCorp \ CA的营收复合增速更高（44.7% vs -3.5%）
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。
Clearfield, Inc.总部位于美国明尼苏达州明尼阿波利斯市，是一家专注于光纤产品研发生产的企业，其产品主要应用于光纤通信网络建设领域，为通信基础设施部署提供相关硬件支撑。
BCAL vs CLFD — 直观对比
营收规模更大
BCAL
是对方的1.3倍
$34.3M
营收增速更快
BCAL
高出4.0%
-3.2%
净利率更高
BCAL
高出37.6%
-1.8%
自由现金流更多
BCAL
多$59.4M
$-2.4M
两年增速更快
BCAL
近两年复合增速
-3.5%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $45.9M | $34.3M |
| 净利润 | $16.4M | $-614.0K |
| 毛利率 | — | 33.2% |
| 营业利润率 | 48.8% | -5.3% |
| 净利率 | 35.8% | -1.8% |
| 营收同比 | 0.8% | -3.2% |
| 净利润同比 | -2.1% | 67.8% |
| 每股收益（稀释后） | $0.50 | $-0.04 |
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BCALCLFD
| Q4 25 | $45.9M | $34.3M | ||
| Q3 25 | $45.2M | $23.4M | ||
| Q2 25 | $44.3M | $49.9M | ||
| Q1 25 | $44.8M | $47.2M | ||
| Q4 24 | $45.5M | $29.7M | ||
| Q3 24 | $38.1M | $5.6M | ||
| Q2 24 | $22.2M | $48.8M | ||
| Q1 24 | $21.9M | $36.9M |
净利润BCALCLFD
| Q4 25 | $16.4M | $-614.0K | ||
| Q3 25 | $15.7M | $-9.1M | ||
| Q2 25 | $14.1M | $1.6M | ||
| Q1 25 | $16.9M | $1.3M | ||
| Q4 24 | $16.8M | $-1.9M | ||
| Q3 24 | $-16.5M | — | ||
| Q2 24 | $190.0K | $-447.0K | ||
| Q1 24 | $4.9M | $-5.9M |
毛利率BCALCLFD
| Q4 25 | — | 33.2% | ||
| Q3 25 | — | 53.2% | ||
| Q2 25 | — | 30.5% | ||
| Q1 25 | — | 30.1% | ||
| Q4 24 | — | 29.2% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 21.9% | ||
| Q1 24 | — | 7.7% |
营业利润率BCALCLFD
| Q4 25 | 48.8% | -5.3% | ||
| Q3 25 | 48.3% | 10.3% | ||
| Q2 25 | 45.3% | 3.0% | ||
| Q1 25 | 52.8% | 0.6% | ||
| Q4 24 | 52.2% | -6.9% | ||
| Q3 24 | -59.1% | — | ||
| Q2 24 | 1.3% | -4.7% | ||
| Q1 24 | 33.1% | -26.4% |
净利率BCALCLFD
| Q4 25 | 35.8% | -1.8% | ||
| Q3 25 | 34.7% | -38.8% | ||
| Q2 25 | 31.8% | 3.2% | ||
| Q1 25 | 37.6% | 2.8% | ||
| Q4 24 | 37.7% | -6.4% | ||
| Q3 24 | -43.2% | — | ||
| Q2 24 | 0.9% | -0.9% | ||
| Q1 24 | 22.5% | -16.0% |
每股收益（稀释后）BCALCLFD
| Q4 25 | $0.50 | $-0.04 | ||
| Q3 25 | $0.48 | $-0.65 | ||
| Q2 25 | $0.43 | $0.11 | ||
| Q1 25 | $0.52 | $0.09 | ||
| Q4 24 | $0.54 | $-0.13 | ||
| Q3 24 | $-0.59 | — | ||
| Q2 24 | $0.01 | $-0.04 | ||
| Q1 24 | $0.26 | $-0.40 |
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 | $96.4M |
| 总债务越低越好 | $33.8M | — |
| 股东权益账面价值 | $576.6M | $249.7M |
| 总资产 | $4.0B | $268.1M |
| 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BCALCLFD
| Q4 25 | $399.9M | $96.4M | ||
| Q3 25 | $559.2M | $106.0M | ||
| Q2 25 | $430.1M | $117.2M | ||
| Q1 25 | $439.2M | $112.0M | ||
| Q4 24 | $388.2M | $113.0M | ||
| Q3 24 | $614.4M | $129.0M | ||
| Q2 24 | $104.7M | $123.8M | ||
| Q1 24 | $86.5M | $142.9M |
总债务BCALCLFD
| Q4 25 | $33.8M | — | ||
| Q3 25 | $33.4M | — | ||
| Q2 25 | $52.9M | — | ||
| Q1 25 | $70.3M | — | ||
| Q4 24 | $69.7M | — | ||
| Q3 24 | $69.1M | $2.2M | ||
| Q2 24 | $42.9M | $2.1M | ||
| Q1 24 | $44.9M | — |
股东权益BCALCLFD
| Q4 25 | $576.6M | $249.7M | ||
| Q3 25 | $564.7M | $256.2M | ||
| Q2 25 | $547.6M | $264.5M | ||
| Q1 25 | $531.4M | $265.9M | ||
| Q4 24 | $511.8M | $267.4M | ||
| Q3 24 | $498.1M | $275.8M | ||
| Q2 24 | $293.2M | $274.6M | ||
| Q1 24 | $292.5M | $279.2M |
总资产BCALCLFD
| Q4 25 | $4.0B | $268.1M | ||
| Q3 25 | $4.1B | $306.2M | ||
| Q2 25 | $4.0B | $314.7M | ||
| Q1 25 | $4.0B | $310.9M | ||
| Q4 24 | $4.0B | $303.2M | ||
| Q3 24 | $4.4B | $315.3M | ||
| Q2 24 | $2.3B | $318.1M | ||
| Q1 24 | $2.3B | $315.4M |
负债/权益比BCALCLFD
| Q4 25 | 0.06× | — | ||
| Q3 25 | 0.06× | — | ||
| Q2 25 | 0.10× | — | ||
| Q1 25 | 0.13× | — | ||
| Q4 24 | 0.14× | — | ||
| Q3 24 | 0.14× | 0.01× | ||
| Q2 24 | 0.15× | 0.01× | ||
| 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 | $57.3M | $-1.4M |
| 自由现金流经营现金流 - 资本支出 | $56.9M | $-2.4M |
| 自由现金流率自由现金流/营收 | 124.1% | -7.1% |
| 资本支出强度资本支出/营收 | 0.8% | 2.9% |
| 现金转化率经营现金流/净利润 | 3.49× | — |
| 过去12个月自由现金流最近4个季度 | $93.1M | — |
8季度趋势，按日历期对齐
经营现金流BCALCLFD
| Q4 25 | $57.3M | $-1.4M | ||
| Q3 25 | $16.0M | — | ||
| Q2 25 | $13.4M | $7.9M | ||
| Q1 25 | $7.0M | $3.0M | ||
| Q4 24 | $50.3M | $7.2M | ||
| Q3 24 | $18.3M | $22.2M | ||
| Q2 24 | $309.0K | $4.0M | ||
| Q1 24 | $8.1M | $-5.7M |
自由现金流BCALCLFD
| Q4 25 | $56.9M | $-2.4M | ||
| Q3 25 | $15.9M | — | ||
| Q2 25 | $13.4M | $7.5M | ||
| Q1 25 | $6.9M | $654.0K | ||
| Q4 24 | $49.7M | $5.1M | ||
| Q3 24 | $18.1M | $18.2M | ||
| Q2 24 | $171.0K | $2.8M | ||
| Q1 24 | $8.0M | $-7.7M |
自由现金流率BCALCLFD
| Q4 25 | 124.1% | -7.1% | ||
| Q3 25 | 35.1% | — | ||
| Q2 25 | 30.2% | 15.1% | ||
| Q1 25 | 15.3% | 1.4% | ||
| Q4 24 | 109.2% | 17.1% | ||
| Q3 24 | 47.5% | 323.0% | ||
| Q2 24 | 0.8% | 5.8% | ||
| Q1 24 | 36.4% | -20.8% |
资本支出强度BCALCLFD
| Q4 25 | 0.8% | 2.9% | ||
| Q3 25 | 0.2% | 2.0% | ||
| Q2 25 | 0.1% | 0.8% | ||
| Q1 25 | 0.2% | 5.1% | ||
| Q4 24 | 1.2% | 7.0% | ||
| Q3 24 | 0.5% | 71.4% | ||
| Q2 24 | 0.6% | 2.5% | ||
| Q1 24 | 0.4% | 5.3% |
现金转化率BCALCLFD
| Q4 25 | 3.49× | — | ||
| Q3 25 | 1.02× | — | ||
| Q2 25 | 0.95× | 4.93× | ||
| Q1 25 | 0.41× | 2.30× | ||
| Q4 24 | 3.00× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 1.63× | — | ||
| Q1 24 | 1.63× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
