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BCB BANCORP INC（BCBP）与Catalyst Bancorp, Inc.（CLST）财务数据对比。点击上方公司名可切换其他公司
BCB BANCORP INC的季度营收约是Catalyst Bancorp, Inc.的9.7倍（$24.2M vs $2.5M）。Catalyst Bancorp, Inc.净利率更高（18.2% vs -49.7%，领先67.8%）。BCB BANCORP INC同比增速更快（9.1% vs 1.4%）。BCB BANCORP INC自由现金流更多（$11.5M vs $794.0K）。过去两年Catalyst Bancorp, Inc.的营收复合增速更高（9.4% vs 2.3%）
Catalyst Bancorp, Inc.是一家总部位于美国的金融控股公司，旗下运营多家社区银行，面向个人消费者与中小企业客户提供储蓄账户、各类贷款、财富管理等多元金融服务，业务覆盖美国多个区域本土市场。
BCBP vs CLST — 直观对比
营收规模更大
BCBP
是对方的9.7倍
$2.5M
营收增速更快
BCBP
高出7.7%
1.4%
净利率更高
CLST
高出67.8%
-49.7%
自由现金流更多
BCBP
多$10.7M
$794.0K
两年增速更快
CLST
近两年复合增速
2.3%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $24.2M | $2.5M |
| 净利润 | $-12.0M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | -71.9% | 22.0% |
| 净利率 | -49.7% | 18.2% |
| 营收同比 | 9.1% | 1.4% |
| 净利润同比 | -467.6% | -27.2% |
| 每股收益（稀释后） | $-0.73 | $0.13 |
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BCBPCLST
| Q4 25 | $24.2M | $2.5M | ||
| Q3 25 | $23.7M | $2.5M | ||
| Q2 25 | $23.1M | $2.5M | ||
| Q1 25 | $22.0M | $2.4M | ||
| Q4 24 | $22.2M | $2.5M | ||
| Q3 24 | $23.0M | $2.5M | ||
| Q2 24 | $23.6M | $2.4M | ||
| Q1 24 | $23.1M | $2.1M |
净利润BCBPCLST
| Q4 25 | $-12.0M | $456.0K | ||
| Q3 25 | $4.3M | $489.0K | ||
| Q2 25 | $3.6M | $521.0K | ||
| Q1 25 | $-8.3M | $586.0K | ||
| Q4 24 | $3.3M | $626.0K | ||
| Q3 24 | $6.7M | $447.0K | ||
| Q2 24 | $2.8M | $527.0K | ||
| Q1 24 | $5.9M | $-4.7M |
营业利润率BCBPCLST
| Q4 25 | -71.9% | 22.0% | ||
| Q3 25 | 24.5% | 24.4% | ||
| Q2 25 | 21.7% | 25.7% | ||
| Q1 25 | -53.2% | 30.4% | ||
| Q4 24 | 20.8% | 31.2% | ||
| Q3 24 | 40.6% | 21.9% | ||
| Q2 24 | 16.8% | 26.4% | ||
| Q1 24 | 36.0% | -284.6% |
净利率BCBPCLST
| Q4 25 | -49.7% | 18.2% | ||
| Q3 25 | 18.0% | 20.0% | ||
| Q2 25 | 15.4% | 21.1% | ||
| Q1 25 | -37.8% | 24.8% | ||
| Q4 24 | 14.7% | 25.3% | ||
| Q3 24 | 28.9% | 17.7% | ||
| Q2 24 | 11.9% | 21.5% | ||
| Q1 24 | 25.3% | -224.0% |
每股收益（稀释后）BCBPCLST
| Q4 25 | $-0.73 | $0.13 | ||
| Q3 25 | $0.22 | $0.13 | ||
| Q2 25 | $0.18 | $0.14 | ||
| Q1 25 | $-0.51 | $0.16 | ||
| Q4 24 | $0.17 | $0.13 | ||
| Q3 24 | $0.36 | $0.11 | ||
| Q2 24 | $0.14 | $0.13 | ||
| Q1 24 | $0.32 | $-1.15 |
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 | — | $25.2M |
| 总债务越低越好 | — | $14.7M |
| 股东权益账面价值 | $304.3M | $81.7M |
| 总资产 | $3.3B | $282.9M |
| 负债/权益比越低杠杆越低 | — | 0.18× |
8季度趋势，按日历期对齐
现金及短期投资BCBPCLST
| Q4 25 | — | $25.2M | ||
| Q3 25 | — | $37.3M | ||
| Q2 25 | — | $40.1M | ||
| Q1 25 | — | $40.3M | ||
| Q4 24 | — | $44.3M | ||
| Q3 24 | — | $45.8M | ||
| Q2 24 | — | $75.5M | ||
| Q1 24 | — | $76.0M |
总债务BCBPCLST
| Q4 25 | — | $14.7M | ||
| Q3 25 | — | $14.7M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $9.6M | ||
| Q3 24 | — | $29.5M | ||
| Q2 24 | — | $30.3M | ||
| Q1 24 | — | $29.4M |
股东权益BCBPCLST
| Q4 25 | $304.3M | $81.7M | ||
| Q3 25 | $318.5M | $81.6M | ||
| Q2 25 | $315.7M | $80.8M | ||
| Q1 25 | $314.7M | $80.6M | ||
| Q4 24 | $323.9M | $80.2M | ||
| Q3 24 | $328.1M | $81.7M | ||
| Q2 24 | $320.7M | $81.0M | ||
| Q1 24 | $320.1M | $81.3M |
总资产BCBPCLST
| Q4 25 | $3.3B | $282.9M | ||
| Q3 25 | $3.4B | $283.8M | ||
| Q2 25 | $3.4B | $273.8M | ||
| Q1 25 | $3.5B | $271.6M | ||
| Q4 24 | $3.6B | $276.7M | ||
| Q3 24 | $3.6B | $280.6M | ||
| Q2 24 | $3.8B | $295.3M | ||
| Q1 24 | $3.8B | $282.0M |
负债/权益比BCBPCLST
| Q4 25 | — | 0.18× | ||
| Q3 25 | — | 0.18× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.12× | ||
| Q3 24 | — | 0.36× | ||
| Q2 24 | — | 0.37× | ||
| Q1 24 | — | 0.36× |
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 | $11.8M | $797.0K |
| 自由现金流经营现金流 - 资本支出 | $11.5M | $794.0K |
| 自由现金流率自由现金流/营收 | 47.6% | 31.7% |
| 资本支出强度资本支出/营收 | 1.3% | 0.1% |
| 现金转化率经营现金流/净利润 | — | 1.75× |
| 过去12个月自由现金流最近4个季度 | $34.9M | $3.1M |
8季度趋势，按日历期对齐
经营现金流BCBPCLST
| Q4 25 | $11.8M | $797.0K | ||
| Q3 25 | $8.7M | $912.0K | ||
| Q2 25 | $10.3M | $1.2M | ||
| Q1 25 | $5.0M | $427.0K | ||
| Q4 24 | $7.8M | $636.0K | ||
| Q3 24 | $43.5M | $896.0K | ||
| Q2 24 | $8.1M | $1.4M | ||
| Q1 24 | $8.3M | $247.0K |
自由现金流BCBPCLST
| Q4 25 | $11.5M | $794.0K | ||
| Q3 25 | $8.5M | $827.0K | ||
| Q2 25 | $10.2M | $1.1M | ||
| Q1 25 | $4.7M | $361.0K | ||
| Q4 24 | $6.8M | $581.0K | ||
| Q3 24 | $43.4M | $771.0K | ||
| Q2 24 | $8.1M | $1.2M | ||
| Q1 24 | $8.1M | $223.0K |
自由现金流率BCBPCLST
| Q4 25 | 47.6% | 31.7% | ||
| Q3 25 | 35.7% | 33.8% | ||
| Q2 25 | 44.1% | 45.3% | ||
| Q1 25 | 21.4% | 15.3% | ||
| Q4 24 | 30.8% | 23.5% | ||
| Q3 24 | 188.5% | 30.5% | ||
| Q2 24 | 34.2% | 47.7% | ||
| Q1 24 | 35.2% | 10.7% |
资本支出强度BCBPCLST
| Q4 25 | 1.3% | 0.1% | ||
| Q3 25 | 1.2% | 3.5% | ||
| Q2 25 | 0.7% | 1.4% | ||
| Q1 25 | 1.3% | 2.8% | ||
| Q4 24 | 4.3% | 2.2% | ||
| Q3 24 | 0.4% | 4.9% | ||
| Q2 24 | 0.2% | 9.2% | ||
| Q1 24 | 0.6% | 1.1% |
现金转化率BCBPCLST
| Q4 25 | — | 1.75× | ||
| Q3 25 | 2.05× | 1.87× | ||
| Q2 25 | 2.90× | 2.21× | ||
| Q1 25 | — | 0.73× | ||
| Q4 24 | 2.38× | 1.02× | ||
| Q3 24 | 6.53× | 2.00× | ||
| Q2 24 | 2.88× | 2.64× | ||
| Q1 24 | 1.41× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
