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California BanCorp \ CA（BCAL）与CANTALOUPE, INC.（CTLP）财务数据对比。点击上方公司名可切换其他公司
CANTALOUPE, INC.的季度营收约是California BanCorp \ CA的1.7倍（$78.7M vs $45.9M），California BanCorp \ CA净利率更高（35.8% vs -0.1%，领先35.9%），CANTALOUPE, INC.同比增速更快（6.8% vs 0.8%），California BanCorp \ CA自由现金流更多（$56.9M vs $-614.0K），过去两年California BanCorp \ CA的营收复合增速更高（44.7% vs 7.7%）
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。
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BCAL vs CTLP — 直观对比
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $45.9M | $78.7M |
| 净利润 | $16.4M | $-70.0K |
| 毛利率 | — | — |
| 营业利润率 | 48.8% | 2.0% |
| 净利率 | 35.8% | -0.1% |
| 营收同比 | 0.8% | 6.8% |
| 净利润同比 | -2.1% | -101.4% |
| 每股收益（稀释后） | $0.50 | $0.00 |
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
| Q4 25 | $45.9M | $78.7M | ||
| Q3 25 | $45.2M | $80.9M | ||
| Q2 25 | $44.3M | $82.6M | ||
| Q1 25 | $44.8M | $75.4M | ||
| Q4 24 | $45.5M | $73.7M | ||
| Q3 24 | $38.1M | $70.8M | ||
| Q2 24 | $22.2M | $72.7M | ||
| Q1 24 | $21.9M | $67.9M |
| Q4 25 | $16.4M | $-70.0K | ||
| Q3 25 | $15.7M | $-919.0K | ||
| Q2 25 | $14.1M | $6.8M | ||
| Q1 25 | $16.9M | $49.2M | ||
| Q4 24 | $16.8M | $5.0M | ||
| Q3 24 | $-16.5M | $3.6M | ||
| Q2 24 | $190.0K | $2.2M | ||
| Q1 24 | $4.9M | $4.7M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 39.6% |
| Q4 25 | 48.8% | 2.0% | ||
| Q3 25 | 48.3% | 2.0% | ||
| Q2 25 | 45.3% | 6.3% | ||
| Q1 25 | 52.8% | 9.1% | ||
| Q4 24 | 52.2% | 8.4% | ||
| Q3 24 | -59.1% | 5.8% | ||
| Q2 24 | 1.3% | 4.9% | ||
| Q1 24 | 33.1% | 6.3% |
| Q4 25 | 35.8% | -0.1% | ||
| Q3 25 | 34.7% | -1.1% | ||
| Q2 25 | 31.8% | 8.3% | ||
| Q1 25 | 37.6% | 65.2% | ||
| Q4 24 | 37.7% | 6.7% | ||
| Q3 24 | -43.2% | 5.0% | ||
| Q2 24 | 0.9% | 3.0% | ||
| Q1 24 | 22.5% | 6.9% |
| Q4 25 | $0.50 | $0.00 | ||
| Q3 25 | $0.48 | $-0.02 | ||
| Q2 25 | $0.43 | $0.10 | ||
| Q1 25 | $0.52 | $0.65 | ||
| Q4 24 | $0.54 | $0.07 | ||
| Q3 24 | $-0.59 | $0.04 | ||
| Q2 24 | $0.01 | $0.03 | ||
| Q1 24 | $0.26 | $0.06 |
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 | $53.0M |
| 总债务越低越好 | $33.8M | $37.7M |
| 股东权益账面价值 | $576.6M | $252.5M |
| 总资产 | $4.0B | $381.9M |
| 负债/权益比越低杠杆越低 | 0.06× | 0.15× |
8季度趋势，按日历期对齐
| Q4 25 | $399.9M | $53.0M | ||
| Q3 25 | $559.2M | $55.0M | ||
| Q2 25 | $430.1M | $51.1M | ||
| Q1 25 | $439.2M | $46.3M | ||
| Q4 24 | $388.2M | $27.7M | ||
| Q3 24 | $614.4M | $33.1M | ||
| Q2 24 | $104.7M | $58.9M | ||
| Q1 24 | $86.5M | $50.2M |
| Q4 25 | $33.8M | $37.7M | ||
| Q3 25 | $33.4M | $38.3M | ||
| Q2 25 | $52.9M | $38.7M | ||
| Q1 25 | $70.3M | $39.2M | ||
| Q4 24 | $69.7M | $37.0M | ||
| Q3 24 | $69.1M | $37.3M | ||
| Q2 24 | $42.9M | $37.5M | ||
| Q1 24 | $44.9M | $38.1M |
| Q4 25 | $576.6M | $252.5M | ||
| Q3 25 | $564.7M | $251.8M | ||
| Q2 25 | $547.6M | $251.0M | ||
| Q1 25 | $531.4M | $240.7M | ||
| Q4 24 | $511.8M | $190.1M | ||
| Q3 24 | $498.1M | $186.2M | ||
| Q2 24 | $293.2M | $181.7M | ||
| Q1 24 | $292.5M | $178.8M |
| Q4 25 | $4.0B | $381.9M | ||
| Q3 25 | $4.1B | $389.5M | ||
| Q2 25 | $4.0B | $381.9M | ||
| Q1 25 | $4.0B | $370.5M | ||
| Q4 24 | $4.0B | $303.0M | ||
| Q3 24 | $4.4B | $312.1M | ||
| Q2 24 | $2.3B | $335.6M | ||
| Q1 24 | $2.3B | $319.9M |
| Q4 25 | 0.06× | 0.15× | ||
| Q3 25 | 0.06× | 0.15× | ||
| Q2 25 | 0.10× | 0.15× | ||
| Q1 25 | 0.13× | 0.16× | ||
| Q4 24 | 0.14× | 0.19× | ||
| Q3 24 | 0.14× | 0.20× | ||
| Q2 24 | 0.15× | 0.21× | ||
| Q1 24 | 0.15× | 0.21× |
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 | $3.1M |
| 自由现金流经营现金流 - 资本支出 | $56.9M | $-614.0K |
| 自由现金流率自由现金流/营收 | 124.1% | -0.8% |
| 资本支出强度资本支出/营收 | 0.8% | 4.8% |
| 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 | $25.8M |
8季度趋势，按日历期对齐
| Q4 25 | $57.3M | $3.1M | ||
| Q3 25 | $16.0M | $7.0M | ||
| Q2 25 | $13.4M | $9.4M | ||
| Q1 25 | $7.0M | $22.4M | ||
| Q4 24 | $50.3M | $522.0K | ||
| Q3 24 | $18.3M | $-12.0M | ||
| Q2 24 | $309.0K | $14.3M | ||
| Q1 24 | $8.1M | $14.7M |
| Q4 25 | $56.9M | $-614.0K | ||
| Q3 25 | $15.9M | $3.5M | ||
| Q2 25 | $13.4M | $4.3M | ||
| Q1 25 | $6.9M | $18.6M | ||
| Q4 24 | $49.7M | $-3.8M | ||
| Q3 24 | $18.1M | $-15.8M | ||
| Q2 24 | $171.0K | $8.5M | ||
| Q1 24 | $8.0M | $11.4M |
| Q4 25 | 124.1% | -0.8% | ||
| Q3 25 | 35.1% | 4.4% | ||
| Q2 25 | 30.2% | 5.3% | ||
| Q1 25 | 15.3% | 24.6% | ||
| Q4 24 | 109.2% | -5.1% | ||
| Q3 24 | 47.5% | -22.3% | ||
| Q2 24 | 0.8% | 11.7% | ||
| Q1 24 | 36.4% | 16.9% |
| Q4 25 | 0.8% | 4.8% | ||
| Q3 25 | 0.2% | 4.2% | ||
| Q2 25 | 0.1% | 6.2% | ||
| Q1 25 | 0.2% | 5.1% | ||
| Q4 24 | 1.2% | 5.8% | ||
| Q3 24 | 0.5% | 5.4% | ||
| Q2 24 | 0.6% | 7.9% | ||
| Q1 24 | 0.4% | 4.8% |
| Q4 25 | 3.49× | — | ||
| Q3 25 | 1.02× | — | ||
| Q2 25 | 0.95× | 1.38× | ||
| Q1 25 | 0.41× | 0.46× | ||
| Q4 24 | 3.00× | 0.10× | ||
| Q3 24 | — | -3.36× | ||
| Q2 24 | 1.63× | 6.47× | ||
| Q1 24 | 1.63× | 3.16× |
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
CTLP
| Transaction Processing | $47.9M | 61% |
| Subscription Revenue | $21.8M | 28% |
| Products | $9.0M | 11% |
