vs
California BanCorp \ CA（BCAL）与COMERICA INC（CMA）财务数据对比。点击上方公司名可切换其他公司
COMERICA INC的季度营收约是California BanCorp \ CA的4.4倍（$187.0M vs $42.9M）。COMERICA INC净利率更高（94.1% vs 38.3%，领先55.8%）。COMERICA INC同比增速更快（-2.1% vs -3.7%）。过去两年California BanCorp \ CA的营收复合增速更高（44.7% vs -1.3%）
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。
Comerica公司是总部位于美国得克萨斯州达拉斯的金融服务企业，为美国大型金融控股公司之一。旗下Comerica银行为区域性商业银行，在得克萨斯、密歇根、加利福尼亚、佛罗里达、亚利桑那五州共设413家网点，在美国多座城市设有办公场所。
BCAL vs CMA — 直观对比
营收规模更大
CMA
是对方的4.4倍
$42.9M
营收增速更快
CMA
高出1.6%
-3.7%
净利率更高
CMA
高出55.8%
38.3%
两年增速更快
BCAL
近两年复合增速
-1.3%
损益表 — Q4 2025 vs Q3 2025
| 指标 | | |
|---|---|---|
| 营收 | $42.9M | $187.0M |
| 净利润 | $16.4M | $176.0M |
| 毛利率 | — | — |
| 营业利润率 | 52.2% | — |
| 净利率 | 38.3% | 94.1% |
| 营收同比 | -3.7% | -2.1% |
| 净利润同比 | -2.1% | -4.3% |
| 每股收益（稀释后） | $0.50 | $1.35 |
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BCALCMA
| Q4 25 | $42.9M | — | ||
| Q3 25 | $42.5M | $187.0M | ||
| Q2 25 | $41.4M | $185.0M | ||
| Q1 25 | $42.3M | $183.0M | ||
| Q4 24 | $44.5M | $191.0M | ||
| Q3 24 | $36.9M | $191.0M | ||
| Q2 24 | $21.0M | $203.0M | ||
| Q1 24 | $20.5M | $187.0M |
净利润BCALCMA
| Q4 25 | $16.4M | — | ||
| Q3 25 | $15.7M | $176.0M | ||
| Q2 25 | $14.1M | $199.0M | ||
| Q1 25 | $16.9M | $172.0M | ||
| Q4 24 | $16.8M | $170.0M | ||
| Q3 24 | $-16.5M | $184.0M | ||
| Q2 24 | $190.0K | $206.0M | ||
| Q1 24 | $4.9M | $138.0M |
营业利润率BCALCMA
| 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BCALCMA
| Q4 25 | 38.3% | — | ||
| Q3 25 | 36.9% | 94.1% | ||
| Q2 25 | 34.0% | 107.6% | ||
| Q1 25 | 39.9% | 94.0% | ||
| Q4 24 | 37.7% | 89.0% | ||
| Q3 24 | -44.6% | 96.3% | ||
| Q2 24 | 0.9% | 101.5% | ||
| Q1 24 | 24.1% | 73.8% |
每股收益（稀释后）BCALCMA
| Q4 25 | $0.50 | — | ||
| Q3 25 | $0.48 | $1.35 | ||
| Q2 25 | $0.43 | $1.42 | ||
| Q1 25 | $0.52 | $1.25 | ||
| Q4 24 | $0.54 | $1.22 | ||
| Q3 24 | $-0.59 | $1.33 | ||
| Q2 24 | $0.01 | $1.49 | ||
| Q1 24 | $0.26 | $0.98 |
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 | $5.4B |
| 股东权益账面价值 | $576.6M | $7.4B |
| 总资产 | $4.0B | $77.4B |
| 负债/权益比越低杠杆越低 | 0.06× | 0.73× |
8季度趋势，按日历期对齐
现金及短期投资BCALCMA
| 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BCALCMA
| Q4 25 | $33.8M | — | ||
| Q3 25 | $33.4M | $5.4B | ||
| Q2 25 | $52.9M | $5.8B | ||
| Q1 25 | $70.3M | $5.7B | ||
| Q4 24 | $69.7M | $6.7B | ||
| Q3 24 | $69.1M | $6.8B | ||
| Q2 24 | $42.9M | $7.1B | ||
| Q1 24 | $44.9M | $7.1B |
股东权益BCALCMA
| Q4 25 | $576.6M | — | ||
| Q3 25 | $564.7M | $7.4B | ||
| Q2 25 | $547.6M | $6.9B | ||
| Q1 25 | $531.4M | $7.1B | ||
| Q4 24 | $511.8M | $6.5B | ||
| Q3 24 | $498.1M | $7.4B | ||
| Q2 24 | $293.2M | $6.2B | ||
| Q1 24 | $292.5M | $6.0B |
总资产BCALCMA
| Q4 25 | $4.0B | — | ||
| Q3 25 | $4.1B | $77.4B | ||
| Q2 25 | $4.0B | $78.0B | ||
| Q1 25 | $4.0B | $77.6B | ||
| Q4 24 | $4.0B | $79.3B | ||
| Q3 24 | $4.4B | $79.7B | ||
| Q2 24 | $2.3B | $79.6B | ||
| Q1 24 | $2.3B | $79.4B |
负债/权益比BCALCMA
| Q4 25 | 0.06× | — | ||
| Q3 25 | 0.06× | 0.73× | ||
| Q2 25 | 0.10× | 0.84× | ||
| Q1 25 | 0.13× | 0.81× | ||
| Q4 24 | 0.14× | 1.02× | ||
| Q3 24 | 0.14× | 0.92× | ||
| Q2 24 | 0.15× | 1.15× | ||
| Q1 24 | 0.15× | 1.18× |
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 | $20.9M | $-270.0M |
| 自由现金流经营现金流 - 资本支出 | $20.8M | — |
| 自由现金流率自由现金流/营收 | 48.5% | — |
| 资本支出强度资本支出/营收 | 0.2% | — |
| 现金转化率经营现金流/净利润 | 1.27× | -1.53× |
| 过去12个月自由现金流最近4个季度 | $56.9M | — |
8季度趋势，按日历期对齐
经营现金流BCALCMA
| Q4 25 | $20.9M | — | ||
| Q3 25 | $16.0M | $-270.0M | ||
| Q2 25 | $13.4M | $476.0M | ||
| Q1 25 | $7.0M | $273.0M | ||
| Q4 24 | $23.6M | $-354.0M | ||
| Q3 24 | $18.3M | $1.0B | ||
| Q2 24 | $309.0K | $111.0M | ||
| Q1 24 | $8.1M | $-205.0M |
自由现金流BCALCMA
| 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 | $171.0K | — | ||
| Q1 24 | $8.0M | — |
自由现金流率BCALCMA
| 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 | 0.8% | — | ||
| Q1 24 | 38.9% | — |
资本支出强度BCALCMA
| 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 | 0.7% | — | ||
| Q1 24 | 0.4% | — |
现金转化率BCALCMA
| Q4 25 | 1.27× | — | ||
| Q3 25 | 1.02× | -1.53× | ||
| Q2 25 | 0.95× | 2.39× | ||
| Q1 25 | 0.41× | 1.59× | ||
| Q4 24 | 1.41× | -2.08× | ||
| Q3 24 | — | 5.70× | ||
| Q2 24 | 1.63× | 0.54× | ||
| Q1 24 | 1.63× | -1.49× |
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
BCAL
暂无分部数据
CMA
| Business Bank | $93.0M | 50% |
| Credit And Debit Card | $47.0M | 25% |
| Retail Bank | $28.0M | 15% |
| Capital Markets | $9.0M | 5% |
| Other | $6.0M | 3% |
| Commercial Loan | $3.0M | 2% |
| Brokerage Commissions Revenue | $1.0M | 1% |
