vs
California BanCorp \ CA（BCAL）与Truist Financial（TFC）财务数据对比。点击上方公司名可切换其他公司
Truist Financial的季度营收约是California BanCorp \ CA的86.2倍（$3.7B vs $42.9M）。California BanCorp \ CA净利率更高（38.3% vs 36.6%，领先1.7%）。Truist Financial同比增速更快（3.1% vs -3.7%）。过去两年California BanCorp \ CA的营收复合增速更高（44.7% vs 4.8%）
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。
Truist Financial是美国银行控股公司，总部位于北卡罗来纳州夏洛特，2019年12月由BB&T与SunTrust合并组建。旗下银行在15个州及华盛顿特区共运营1928家网点，提供零售、商业、投资银行、证券经纪、资产管理、抵押贷款、保险等多元金融产品服务，为美国第十大银行，总资产达5230亿美元。
BCAL vs TFC — 直观对比
营收规模更大
TFC
是对方的86.2倍
$42.9M
营收增速更快
TFC
高出6.7%
-3.7%
净利率更高
BCAL
高出1.7%
36.6%
两年增速更快
BCAL
近两年复合增速
4.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $42.9M | $3.7B |
| 净利润 | $16.4M | $1.4B |
| 毛利率 | — | — |
| 营业利润率 | 52.2% | 42.3% |
| 净利率 | 38.3% | 36.6% |
| 营收同比 | -3.7% | 3.1% |
| 净利润同比 | -2.1% | 6.1% |
| 每股收益（稀释后） | $0.50 | $1.01 |
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BCALTFC
| Q4 25 | $42.9M | $3.7B | ||
| Q3 25 | $42.5M | $3.6B | ||
| Q2 25 | $41.4M | $3.6B | ||
| Q1 25 | $42.3M | $3.5B | ||
| Q4 24 | $44.5M | $3.6B | ||
| Q3 24 | $36.9M | $3.6B | ||
| Q2 24 | $21.0M | $3.5B | ||
| Q1 24 | $20.5M | $3.4B |
净利润BCALTFC
| Q4 25 | $16.4M | $1.4B | ||
| Q3 25 | $15.7M | $1.5B | ||
| Q2 25 | $14.1M | $1.2B | ||
| Q1 25 | $16.9M | $1.3B | ||
| Q4 24 | $16.8M | $1.3B | ||
| Q3 24 | $-16.5M | $1.4B | ||
| Q2 24 | $190.0K | $922.0M | ||
| Q1 24 | $4.9M | $1.2B |
营业利润率BCALTFC
| Q4 25 | 52.2% | 42.3% | ||
| Q3 25 | 51.3% | 47.9% | ||
| Q2 25 | 48.5% | 42.2% | ||
| Q1 25 | 56.0% | 43.8% | ||
| Q4 24 | 52.2% | 43.3% | ||
| Q3 24 | -61.0% | 47.5% | ||
| Q2 24 | 1.3% | -148.3% | ||
| Q1 24 | 35.4% | 40.5% |
净利率BCALTFC
| Q4 25 | 38.3% | 36.6% | ||
| Q3 25 | 36.9% | 40.0% | ||
| Q2 25 | 34.0% | 34.6% | ||
| Q1 25 | 39.9% | 36.0% | ||
| Q4 24 | 37.7% | 35.5% | ||
| Q3 24 | -44.6% | 40.0% | ||
| Q2 24 | 0.9% | 26.1% | ||
| Q1 24 | 24.1% | 35.6% |
每股收益（稀释后）BCALTFC
| Q4 25 | $0.50 | $1.01 | ||
| Q3 25 | $0.48 | $1.04 | ||
| Q2 25 | $0.43 | $0.90 | ||
| Q1 25 | $0.52 | $0.87 | ||
| Q4 24 | $0.54 | $0.94 | ||
| Q3 24 | $-0.59 | $0.99 | ||
| Q2 24 | $0.01 | $0.62 | ||
| Q1 24 | $0.26 | $0.81 |
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 | $42.0B |
| 股东权益账面价值 | $576.6M | $65.2B |
| 总资产 | $4.0B | $547.5B |
| 负债/权益比越低杠杆越低 | 0.06× | 0.64× |
8季度趋势，按日历期对齐
现金及短期投资BCALTFC
| 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BCALTFC
| Q4 25 | $33.8M | $42.0B | ||
| Q3 25 | $33.4M | $41.7B | ||
| Q2 25 | $52.9M | $44.4B | ||
| Q1 25 | $70.3M | $32.0B | ||
| Q4 24 | $69.7M | $35.0B | ||
| Q3 24 | $69.1M | $36.8B | ||
| Q2 24 | $42.9M | $34.6B | ||
| Q1 24 | $44.9M | $39.1B |
股东权益BCALTFC
| Q4 25 | $576.6M | $65.2B | ||
| Q3 25 | $564.7M | $65.6B | ||
| Q2 25 | $547.6M | $64.8B | ||
| Q1 25 | $531.4M | $64.6B | ||
| Q4 24 | $511.8M | $63.7B | ||
| Q3 24 | $498.1M | $65.7B | ||
| Q2 24 | $293.2M | $63.8B | ||
| Q1 24 | $292.5M | $59.1B |
总资产BCALTFC
| Q4 25 | $4.0B | $547.5B | ||
| Q3 25 | $4.1B | $543.9B | ||
| Q2 25 | $4.0B | $543.8B | ||
| Q1 25 | $4.0B | $535.9B | ||
| Q4 24 | $4.0B | $531.2B | ||
| Q3 24 | $4.4B | $523.4B | ||
| Q2 24 | $2.3B | $519.9B | ||
| Q1 24 | $2.3B | $535.0B |
负债/权益比BCALTFC
| Q4 25 | 0.06× | 0.64× | ||
| Q3 25 | 0.06× | 0.64× | ||
| Q2 25 | 0.10× | 0.69× | ||
| Q1 25 | 0.13× | 0.50× | ||
| Q4 24 | 0.14× | 0.55× | ||
| Q3 24 | 0.14× | 0.56× | ||
| Q2 24 | 0.15× | 0.54× | ||
| Q1 24 | 0.15× | 0.66× |
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 | $2.6B |
| 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× | 1.91× |
| 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BCALTFC
| Q4 25 | $20.9M | $2.6B | ||
| Q3 25 | $16.0M | $1.5B | ||
| Q2 25 | $13.4M | $914.0M | ||
| Q1 25 | $7.0M | $746.0M | ||
| Q4 24 | $23.6M | $775.0M | ||
| Q3 24 | $18.3M | $1.5B | ||
| Q2 24 | $309.0K | $845.0M | ||
| Q1 24 | $8.1M | $-990.0M |
自由现金流BCALTFC
| 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BCALTFC
| 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BCALTFC
| 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BCALTFC
| Q4 25 | 1.27× | 1.91× | ||
| Q3 25 | 1.02× | 1.03× | ||
| Q2 25 | 0.95× | 0.74× | ||
| Q1 25 | 0.41× | 0.59× | ||
| Q4 24 | 1.41× | 0.61× | ||
| Q3 24 | — | 1.06× | ||
| Q2 24 | 1.63× | 0.92× | ||
| Q1 24 | 1.63× | -0.82× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
