vs
California BanCorp \ CA（BCAL）与FIRST HORIZON CORP（FHN）财务数据对比。点击上方公司名可切换其他公司
FIRST HORIZON CORP的季度营收约是California BanCorp \ CA的20.7倍（$888.0M vs $42.9M）。California BanCorp \ CA净利率更高（38.3% vs 29.4%，领先8.9%）。FIRST HORIZON CORP同比增速更快（21.8% vs -3.7%）。FIRST HORIZON CORP自由现金流更多（$389.0M vs $20.8M）。过去两年California BanCorp \ CA的营收复合增速更高（44.7% vs 4.1%）
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。
第一地平线公司（前身为第一田纳西银行）是一家成立于1864年的金融服务企业，总部位于美国田纳西州孟菲斯市。该公司通过旗下子公司第一地平线银行开展业务，网点覆盖美国东南部12个州，是该区域第四大区域性银行。
BCAL vs FHN — 直观对比
营收规模更大
FHN
是对方的20.7倍
$42.9M
营收增速更快
FHN
高出25.5%
-3.7%
净利率更高
BCAL
高出8.9%
29.4%
自由现金流更多
FHN
多$368.2M
$20.8M
两年增速更快
BCAL
近两年复合增速
4.1%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $42.9M | $888.0M |
| 净利润 | $16.4M | $261.0M |
| 毛利率 | — | — |
| 营业利润率 | 52.2% | 38.5% |
| 净利率 | 38.3% | 29.4% |
| 营收同比 | -3.7% | 21.8% |
| 净利润同比 | -2.1% | 57.2% |
| 每股收益（稀释后） | $0.50 | $0.51 |
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BCALFHN
| Q4 25 | $42.9M | $888.0M | ||
| Q3 25 | $42.5M | $889.0M | ||
| Q2 25 | $41.4M | $830.0M | ||
| Q1 25 | $42.3M | $812.0M | ||
| Q4 24 | $44.5M | $729.0M | ||
| Q3 24 | $36.9M | $827.0M | ||
| Q2 24 | $21.0M | $9.0M | ||
| Q1 24 | $20.5M | $819.0M |
净利润BCALFHN
| Q4 25 | $16.4M | $261.0M | ||
| Q3 25 | $15.7M | $262.0M | ||
| Q2 25 | $14.1M | $241.0M | ||
| Q1 25 | $16.9M | $218.0M | ||
| Q4 24 | $16.8M | $166.0M | ||
| Q3 24 | $-16.5M | $218.0M | ||
| Q2 24 | $190.0K | $199.0M | ||
| Q1 24 | $4.9M | $192.0M |
营业利润率BCALFHN
| Q4 25 | 52.2% | 38.5% | ||
| Q3 25 | 51.3% | 38.7% | ||
| Q2 25 | 48.5% | 37.2% | ||
| Q1 25 | 56.0% | 35.1% | ||
| Q4 24 | 52.2% | 28.8% | ||
| Q3 24 | -61.0% | 34.0% | ||
| Q2 24 | 1.3% | — | ||
| Q1 24 | 35.4% | 31.0% |
净利率BCALFHN
| Q4 25 | 38.3% | 29.4% | ||
| Q3 25 | 36.9% | 29.5% | ||
| Q2 25 | 34.0% | 29.0% | ||
| Q1 25 | 39.9% | 26.8% | ||
| Q4 24 | 37.7% | 22.8% | ||
| Q3 24 | -44.6% | 26.4% | ||
| Q2 24 | 0.9% | 2211.1% | ||
| Q1 24 | 24.1% | 23.4% |
每股收益（稀释后）BCALFHN
| Q4 25 | $0.50 | $0.51 | ||
| Q3 25 | $0.48 | $0.50 | ||
| Q2 25 | $0.43 | $0.45 | ||
| Q1 25 | $0.52 | $0.41 | ||
| Q4 24 | $0.54 | $0.29 | ||
| Q3 24 | $-0.59 | $0.40 | ||
| Q2 24 | $0.01 | $0.34 | ||
| Q1 24 | $0.26 | $0.33 |
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 | $576.6M | $8.8B |
| 总资产 | $4.0B | $83.9B |
| 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BCALFHN
| 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BCALFHN
| 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BCALFHN
| Q4 25 | $576.6M | $8.8B | ||
| Q3 25 | $564.7M | $8.9B | ||
| Q2 25 | $547.6M | $9.0B | ||
| Q1 25 | $531.4M | $8.7B | ||
| Q4 24 | $511.8M | $8.8B | ||
| Q3 24 | $498.1M | $9.0B | ||
| Q2 24 | $293.2M | $8.7B | ||
| Q1 24 | $292.5M | $8.9B |
总资产BCALFHN
| Q4 25 | $4.0B | $83.9B | ||
| Q3 25 | $4.1B | $83.2B | ||
| Q2 25 | $4.0B | $82.1B | ||
| Q1 25 | $4.0B | $81.5B | ||
| Q4 24 | $4.0B | $82.2B | ||
| Q3 24 | $4.4B | $82.6B | ||
| Q2 24 | $2.3B | $82.2B | ||
| Q1 24 | $2.3B | $81.8B |
负债/权益比BCALFHN
| 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 | $20.9M | $396.0M |
| 自由现金流经营现金流 - 资本支出 | $20.8M | $389.0M |
| 自由现金流率自由现金流/营收 | 48.5% | 43.8% |
| 资本支出强度资本支出/营收 | 0.2% | 0.8% |
| 现金转化率经营现金流/净利润 | 1.27× | 1.52× |
| 过去12个月自由现金流最近4个季度 | $56.9M | $595.0M |
8季度趋势，按日历期对齐
经营现金流BCALFHN
| Q4 25 | $20.9M | $396.0M | ||
| Q3 25 | $16.0M | $-200.0M | ||
| Q2 25 | $13.4M | $83.0M | ||
| Q1 25 | $7.0M | $349.0M | ||
| Q4 24 | $23.6M | $191.0M | ||
| Q3 24 | $18.3M | $389.0M | ||
| Q2 24 | $309.0K | $-150.0M | ||
| Q1 24 | $8.1M | $838.0M |
自由现金流BCALFHN
| Q4 25 | $20.8M | $389.0M | ||
| Q3 25 | $15.9M | $-208.0M | ||
| Q2 25 | $13.4M | $74.0M | ||
| Q1 25 | $6.9M | $340.0M | ||
| Q4 24 | $23.5M | $174.0M | ||
| Q3 24 | $18.1M | $383.0M | ||
| Q2 24 | $171.0K | $-161.0M | ||
| Q1 24 | $8.0M | $828.0M |
自由现金流率BCALFHN
| Q4 25 | 48.5% | 43.8% | ||
| Q3 25 | 37.3% | -23.4% | ||
| Q2 25 | 32.3% | 8.9% | ||
| Q1 25 | 16.3% | 41.9% | ||
| Q4 24 | 52.7% | 23.9% | ||
| Q3 24 | 49.0% | 46.3% | ||
| Q2 24 | 0.8% | -1788.9% | ||
| Q1 24 | 38.9% | 101.1% |
资本支出强度BCALFHN
| Q4 25 | 0.2% | 0.8% | ||
| Q3 25 | 0.3% | 0.9% | ||
| Q2 25 | 0.1% | 1.1% | ||
| Q1 25 | 0.2% | 1.1% | ||
| Q4 24 | 0.3% | 2.3% | ||
| Q3 24 | 0.5% | 0.7% | ||
| Q2 24 | 0.7% | 122.2% | ||
| Q1 24 | 0.4% | 1.2% |
现金转化率BCALFHN
| Q4 25 | 1.27× | 1.52× | ||
| Q3 25 | 1.02× | -0.76× | ||
| Q2 25 | 0.95× | 0.34× | ||
| Q1 25 | 0.41× | 1.60× | ||
| Q4 24 | 1.41× | 1.15× | ||
| Q3 24 | — | 1.78× | ||
| Q2 24 | 1.63× | -0.75× | ||
| Q1 24 | 1.63× | 4.36× |
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
FHN
| Commercial Consumer And Wealth Segment | $776.0M | 87% |
| Other | $88.0M | 10% |
| Corporate | $24.0M | 3% |
