vs
California BanCorp \ CA（BCAL）与美国合众银行（USB）财务数据对比。点击上方公司名可切换其他公司
美国合众银行的季度营收约是California BanCorp \ CA的171.7倍（$7.4B vs $42.9M）。California BanCorp \ CA净利率更高（38.3% vs 27.8%，领先10.5%）。美国合众银行同比增速更快（5.1% vs -3.7%）。过去两年California BanCorp \ CA的营收复合增速更高（44.7% vs 4.7%）
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。
美国合众银行是美国跨国银行机构，总部位于明尼苏达州明尼阿波利斯，在特拉华州注册成立。截至2025年为美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为系统重要性机构，旗下核心运营主体提供银行、投资、按揭等多元金融服务。
BCAL vs USB — 直观对比
营收规模更大
USB
是对方的171.7倍
$42.9M
营收增速更快
USB
高出8.8%
-3.7%
净利率更高
BCAL
高出10.5%
27.8%
两年增速更快
BCAL
近两年复合增速
4.7%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $42.9M | $7.4B |
| 净利润 | $16.4M | $2.0B |
| 毛利率 | — | — |
| 营业利润率 | 52.2% | 34.4% |
| 净利率 | 38.3% | 27.8% |
| 营收同比 | -3.7% | 5.1% |
| 净利润同比 | -2.1% | 23.0% |
| 每股收益（稀释后） | $0.50 | $1.26 |
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BCALUSB
| Q4 25 | $42.9M | $7.4B | ||
| Q3 25 | $42.5M | $7.3B | ||
| Q2 25 | $41.4M | $7.0B | ||
| Q1 25 | $42.3M | $7.0B | ||
| Q4 24 | $44.5M | $7.0B | ||
| Q3 24 | $36.9M | $6.9B | ||
| Q2 24 | $21.0M | $6.9B | ||
| Q1 24 | $20.5M | $6.7B |
净利润BCALUSB
| Q4 25 | $16.4M | $2.0B | ||
| Q3 25 | $15.7M | $2.0B | ||
| Q2 25 | $14.1M | $1.8B | ||
| Q1 25 | $16.9M | $1.7B | ||
| Q4 24 | $16.8M | $1.7B | ||
| Q3 24 | $-16.5M | $1.7B | ||
| Q2 24 | $190.0K | $1.6B | ||
| Q1 24 | $4.9M | $1.3B |
营业利润率BCALUSB
| Q4 25 | 52.2% | 34.4% | ||
| Q3 25 | 51.3% | 34.5% | ||
| Q2 25 | 48.5% | 32.7% | ||
| Q1 25 | 56.0% | 31.0% | ||
| Q4 24 | 52.2% | 30.1% | ||
| Q3 24 | -61.0% | 30.2% | ||
| Q2 24 | 1.3% | 29.9% | ||
| Q1 24 | 35.4% | 24.9% |
净利率BCALUSB
| Q4 25 | 38.3% | 27.8% | ||
| Q3 25 | 36.9% | 27.3% | ||
| Q2 25 | 34.0% | 25.9% | ||
| Q1 25 | 39.9% | 24.6% | ||
| Q4 24 | 37.7% | 23.7% | ||
| Q3 24 | -44.6% | 25.0% | ||
| Q2 24 | 0.9% | 23.3% | ||
| Q1 24 | 24.1% | 19.6% |
每股收益（稀释后）BCALUSB
| Q4 25 | $0.50 | $1.26 | ||
| Q3 25 | $0.48 | $1.22 | ||
| Q2 25 | $0.43 | $1.11 | ||
| Q1 25 | $0.52 | $1.03 | ||
| Q4 24 | $0.54 | $1.01 | ||
| Q3 24 | $-0.59 | $1.03 | ||
| Q2 24 | $0.01 | $0.97 | ||
| Q1 24 | $0.26 | $0.78 |
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 | $65.2B |
| 总资产 | $4.0B | $692.3B |
| 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BCALUSB
| 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BCALUSB
| 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BCALUSB
| Q4 25 | $576.6M | $65.2B | ||
| Q3 25 | $564.7M | $63.3B | ||
| Q2 25 | $547.6M | $61.4B | ||
| Q1 25 | $531.4M | $60.1B | ||
| Q4 24 | $511.8M | $58.6B | ||
| Q3 24 | $498.1M | $58.9B | ||
| Q2 24 | $293.2M | $56.4B | ||
| Q1 24 | $292.5M | $55.6B |
总资产BCALUSB
| Q4 25 | $4.0B | $692.3B | ||
| Q3 25 | $4.1B | $695.4B | ||
| Q2 25 | $4.0B | $686.4B | ||
| Q1 25 | $4.0B | $676.5B | ||
| Q4 24 | $4.0B | $678.3B | ||
| Q3 24 | $4.4B | $686.5B | ||
| Q2 24 | $2.3B | $680.1B | ||
| Q1 24 | $2.3B | $683.6B |
负债/权益比BCALUSB
| 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 | $2.8B |
| 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× | 1.39× |
| 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BCALUSB
| Q4 25 | $20.9M | $2.8B | ||
| Q3 25 | $16.0M | $3.4B | ||
| Q2 25 | $13.4M | $2.0B | ||
| Q1 25 | $7.0M | $-285.0M | ||
| Q4 24 | $23.6M | $4.8B | ||
| Q3 24 | $18.3M | $972.0M | ||
| Q2 24 | $309.0K | $2.9B | ||
| Q1 24 | $8.1M | $2.7B |
自由现金流BCALUSB
| 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BCALUSB
| 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BCALUSB
| 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BCALUSB
| Q4 25 | 1.27× | 1.39× | ||
| Q3 25 | 1.02× | 1.69× | ||
| Q2 25 | 0.95× | 1.12× | ||
| Q1 25 | 0.41× | -0.17× | ||
| Q4 24 | 1.41× | 2.87× | ||
| Q3 24 | — | 0.57× | ||
| Q2 24 | 1.63× | 1.79× | ||
| Q1 24 | 1.63× | 2.02× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
