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California BanCorp \ CA（BCAL）与WEBSTER FINANCIAL CORP（WBS）财务数据对比。点击上方公司名可切换其他公司
WEBSTER FINANCIAL CORP的季度营收约是California BanCorp \ CA的1.4倍（$58.7M vs $42.9M）。WEBSTER FINANCIAL CORP净利率更高（435.9% vs 38.3%，领先397.6%）。WEBSTER FINANCIAL CORP同比增速更快（-0.2% vs -3.7%）。WEBSTER FINANCIAL CORP自由现金流更多（$301.8M vs $20.8M）。过去两年California BanCorp \ CA的营收复合增速更高（44.7% vs -4.2%）
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。
韦伯斯特银行是总部位于美国康涅狄格州斯坦福德的商业银行，业务覆盖康涅狄格州、马萨诸塞州、罗德岛州、新泽西州，以及纽约州的威彻斯特、奥兰治、阿尔斯特、罗克兰县和纽约市，共设有177家营业网点和316台自动柜员机。
BCAL vs WBS — 直观对比
营收规模更大
WBS
是对方的1.4倍
$42.9M
营收增速更快
WBS
高出3.5%
-3.7%
净利率更高
WBS
高出397.6%
38.3%
自由现金流更多
WBS
多$281.0M
$20.8M
两年增速更快
BCAL
近两年复合增速
-4.2%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $42.9M | $58.7M |
| 净利润 | $16.4M | $255.8M |
| 毛利率 | — | — |
| 营业利润率 | 52.2% | — |
| 净利率 | 38.3% | 435.9% |
| 营收同比 | -3.7% | -0.2% |
| 净利润同比 | -2.1% | 43.9% |
| 每股收益（稀释后） | $0.50 | $1.54 |
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BCALWBS
| Q4 25 | $42.9M | $58.7M | ||
| Q3 25 | $42.5M | $59.1M | ||
| Q2 25 | $41.4M | $59.4M | ||
| Q1 25 | $42.3M | $60.8M | ||
| Q4 24 | $44.5M | $58.8M | ||
| Q3 24 | $36.9M | $61.1M | ||
| Q2 24 | $21.0M | $61.8M | ||
| Q1 24 | $20.5M | $64.0M |
净利润BCALWBS
| Q4 25 | $16.4M | $255.8M | ||
| Q3 25 | $15.7M | $261.2M | ||
| Q2 25 | $14.1M | $258.8M | ||
| Q1 25 | $16.9M | $226.9M | ||
| Q4 24 | $16.8M | $177.8M | ||
| Q3 24 | $-16.5M | $193.0M | ||
| Q2 24 | $190.0K | $181.6M | ||
| Q1 24 | $4.9M | $216.3M |
营业利润率BCALWBS
| 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BCALWBS
| Q4 25 | 38.3% | 435.9% | ||
| Q3 25 | 36.9% | 442.3% | ||
| Q2 25 | 34.0% | 435.6% | ||
| Q1 25 | 39.9% | 373.4% | ||
| Q4 24 | 37.7% | 302.4% | ||
| Q3 24 | -44.6% | 316.0% | ||
| Q2 24 | 0.9% | 293.7% | ||
| Q1 24 | 24.1% | 338.0% |
每股收益（稀释后）BCALWBS
| Q4 25 | $0.50 | $1.54 | ||
| Q3 25 | $0.48 | $1.54 | ||
| Q2 25 | $0.43 | $1.52 | ||
| Q1 25 | $0.52 | $1.30 | ||
| Q4 24 | $0.54 | $1.01 | ||
| Q3 24 | $-0.59 | $1.10 | ||
| Q2 24 | $0.01 | $1.03 | ||
| Q1 24 | $0.26 | $1.23 |
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 | $739.5M |
| 股东权益账面价值 | $576.6M | $9.5B |
| 总资产 | $4.0B | $84.1B |
| 负债/权益比越低杠杆越低 | 0.06× | 0.08× |
8季度趋势，按日历期对齐
现金及短期投资BCALWBS
| 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BCALWBS
| Q4 25 | $33.8M | $739.5M | ||
| Q3 25 | $33.4M | $1.2B | ||
| Q2 25 | $52.9M | $905.6M | ||
| Q1 25 | $70.3M | $907.4M | ||
| Q4 24 | $69.7M | $909.2M | ||
| Q3 24 | $69.1M | $911.0M | ||
| Q2 24 | $42.9M | $912.7M | ||
| Q1 24 | $44.9M | $914.5M |
股东权益BCALWBS
| Q4 25 | $576.6M | $9.5B | ||
| Q3 25 | $564.7M | $9.5B | ||
| Q2 25 | $547.6M | $9.3B | ||
| Q1 25 | $531.4M | $9.2B | ||
| Q4 24 | $511.8M | $9.1B | ||
| Q3 24 | $498.1M | $9.2B | ||
| Q2 24 | $293.2M | $8.8B | ||
| Q1 24 | $292.5M | $8.7B |
总资产BCALWBS
| Q4 25 | $4.0B | $84.1B | ||
| Q3 25 | $4.1B | $83.2B | ||
| Q2 25 | $4.0B | $81.9B | ||
| Q1 25 | $4.0B | $80.3B | ||
| Q4 24 | $4.0B | $79.0B | ||
| Q3 24 | $4.4B | $79.5B | ||
| Q2 24 | $2.3B | $76.8B | ||
| Q1 24 | $2.3B | $76.2B |
负债/权益比BCALWBS
| Q4 25 | 0.06× | 0.08× | ||
| Q3 25 | 0.06× | 0.13× | ||
| Q2 25 | 0.10× | 0.10× | ||
| Q1 25 | 0.13× | 0.10× | ||
| Q4 24 | 0.14× | 0.10× | ||
| Q3 24 | 0.14× | 0.10× | ||
| Q2 24 | 0.15× | 0.10× | ||
| Q1 24 | 0.15× | 0.10× |
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 | $317.6M |
| 自由现金流经营现金流 - 资本支出 | $20.8M | $301.8M |
| 自由现金流率自由现金流/营收 | 48.5% | 514.2% |
| 资本支出强度资本支出/营收 | 0.2% | 26.9% |
| 现金转化率经营现金流/净利润 | 1.27× | 1.24× |
| 过去12个月自由现金流最近4个季度 | $56.9M | $1.0B |
8季度趋势，按日历期对齐
经营现金流BCALWBS
| Q4 25 | $20.9M | $317.6M | ||
| Q3 25 | $16.0M | $374.7M | ||
| Q2 25 | $13.4M | $270.9M | ||
| Q1 25 | $7.0M | $94.9M | ||
| Q4 24 | $23.6M | $891.3M | ||
| Q3 24 | $18.3M | $45.3M | ||
| Q2 24 | $309.0K | $224.0M | ||
| Q1 24 | $8.1M | $243.7M |
自由现金流BCALWBS
| Q4 25 | $20.8M | $301.8M | ||
| Q3 25 | $15.9M | $362.5M | ||
| Q2 25 | $13.4M | $257.7M | ||
| Q1 25 | $6.9M | $86.6M | ||
| Q4 24 | $23.5M | $879.0M | ||
| Q3 24 | $18.1M | $35.3M | ||
| Q2 24 | $171.0K | $215.6M | ||
| Q1 24 | $8.0M | $238.6M |
自由现金流率BCALWBS
| Q4 25 | 48.5% | 514.2% | ||
| Q3 25 | 37.3% | 613.7% | ||
| Q2 25 | 32.3% | 433.6% | ||
| Q1 25 | 16.3% | 142.5% | ||
| Q4 24 | 52.7% | 1495.2% | ||
| Q3 24 | 49.0% | 57.8% | ||
| Q2 24 | 0.8% | 348.6% | ||
| Q1 24 | 38.9% | 372.8% |
资本支出强度BCALWBS
| Q4 25 | 0.2% | 26.9% | ||
| Q3 25 | 0.3% | 20.7% | ||
| Q2 25 | 0.1% | 22.2% | ||
| Q1 25 | 0.2% | 13.7% | ||
| Q4 24 | 0.3% | 21.0% | ||
| Q3 24 | 0.5% | 16.4% | ||
| Q2 24 | 0.7% | 13.6% | ||
| Q1 24 | 0.4% | 7.9% |
现金转化率BCALWBS
| Q4 25 | 1.27× | 1.24× | ||
| Q3 25 | 1.02× | 1.43× | ||
| Q2 25 | 0.95× | 1.05× | ||
| Q1 25 | 0.41× | 0.42× | ||
| Q4 24 | 1.41× | 5.01× | ||
| Q3 24 | — | 0.23× | ||
| Q2 24 | 1.63× | 1.23× | ||
| Q1 24 | 1.63× | 1.13× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
