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BayCom Corp（BCML）与BOS BETTER ONLINE SOLUTIONS LTD（BOSC）财务数据对比。点击上方公司名可切换其他公司
BOS BETTER ONLINE SOLUTIONS LTD的季度营收约是BayCom Corp的1.0倍（$26.6M vs $25.9M），BayCom Corp净利率更高（26.5% vs 8.0%，领先18.5%），BOS BETTER ONLINE SOLUTIONS LTD同比增速更快（34.6% vs 9.4%），BayCom Corp自由现金流更多（$30.1M vs $1.2M）
BayCom Corp是总部位于美国的银行控股公司，旗下拥有海湾商业银行，主要服务北加州地区的中小微企业与零售客户，提供商业贷款、存款产品、个人银行、财富管理等多元金融服务，深耕本土社区金融市场。
BOS Better Online Solutions是一家总部位于以色列的上市企业，核心业务涵盖射频识别（RFID）技术与供应链解决方案服务，为全球各行业客户提供专业的供应链优化、智能识别相关产品与服务支持。
BCML vs BOSC — 直观对比
营收规模更大
BOSC
是对方的1.0倍
$25.9M
营收增速更快
BOSC
高出25.1%
9.4%
净利率更高
BCML
高出18.5%
8.0%
自由现金流更多
BCML
多$28.9M
$1.2M
损益表 — Q4 FY2025 vs Q2 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.9M | $26.6M |
| 净利润 | $6.9M | $2.1M |
| 毛利率 | — | 23.4% |
| 营业利润率 | 36.6% | 6.8% |
| 净利率 | 26.5% | 8.0% |
| 营收同比 | 9.4% | 34.6% |
| 净利润同比 | 12.1% | 70.2% |
| 每股收益（稀释后） | $0.63 | $0.33 |
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BCMLBOSC
| Q4 25 | $25.9M | — | ||
| Q3 25 | $25.7M | — | ||
| Q2 25 | $24.7M | $26.6M | ||
| Q1 25 | $24.3M | — | ||
| Q4 24 | $23.7M | — | ||
| Q3 24 | $25.6M | — | ||
| Q2 24 | $23.8M | $19.7M | ||
| Q1 24 | $24.5M | — |
净利润BCMLBOSC
| Q4 25 | $6.9M | — | ||
| Q3 25 | $5.0M | — | ||
| Q2 25 | $6.4M | $2.1M | ||
| Q1 25 | $5.7M | — | ||
| Q4 24 | $6.1M | — | ||
| Q3 24 | $6.0M | — | ||
| Q2 24 | $5.6M | $1.2M | ||
| Q1 24 | $5.9M | — |
毛利率BCMLBOSC
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 23.4% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 24.1% | ||
| Q1 24 | — | — |
营业利润率BCMLBOSC
| Q4 25 | 36.6% | — | ||
| Q3 25 | 26.3% | — | ||
| Q2 25 | 35.3% | 6.8% | ||
| Q1 25 | 31.6% | — | ||
| Q4 24 | 34.2% | — | ||
| Q3 24 | 32.4% | — | ||
| Q2 24 | 31.9% | 7.6% | ||
| Q1 24 | 33.3% | — |
净利率BCMLBOSC
| Q4 25 | 26.5% | — | ||
| Q3 25 | 19.5% | — | ||
| Q2 25 | 25.8% | 8.0% | ||
| Q1 25 | 23.4% | — | ||
| Q4 24 | 25.9% | — | ||
| Q3 24 | 23.5% | — | ||
| Q2 24 | 23.6% | 6.3% | ||
| Q1 24 | 24.0% | — |
每股收益（稀释后）BCMLBOSC
| Q4 25 | $0.63 | — | ||
| Q3 25 | $0.46 | — | ||
| Q2 25 | $0.58 | $0.33 | ||
| Q1 25 | $0.51 | — | ||
| Q4 24 | $0.55 | — | ||
| Q3 24 | $0.54 | — | ||
| Q2 24 | $0.50 | $0.21 | ||
| Q1 24 | $0.51 | — |
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 | — | $5.2M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $338.6M | $24.2M |
| 总资产 | $2.6B | $38.4M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资BCMLBOSC
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $5.2M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $2.4M | ||
| Q1 24 | — | — |
股东权益BCMLBOSC
| Q4 25 | $338.6M | — | ||
| Q3 25 | $334.3M | — | ||
| Q2 25 | $330.6M | $24.2M | ||
| Q1 25 | $329.3M | — | ||
| Q4 24 | $324.4M | — | ||
| Q3 24 | $321.7M | — | ||
| Q2 24 | $315.3M | $20.1M | ||
| Q1 24 | $314.2M | — |
总资产BCMLBOSC
| Q4 25 | $2.6B | — | ||
| Q3 25 | $2.6B | — | ||
| Q2 25 | $2.6B | $38.4M | ||
| Q1 25 | $2.6B | — | ||
| Q4 24 | $2.7B | — | ||
| Q3 24 | $2.6B | — | ||
| Q2 24 | $2.6B | $31.8M | ||
| Q1 24 | $2.6B | — |
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 | $31.8M | $1.5M |
| 自由现金流经营现金流 - 资本支出 | $30.1M | $1.2M |
| 自由现金流率自由现金流/营收 | 116.2% | 4.5% |
| 资本支出强度资本支出/营收 | 6.7% | 1.0% |
| 现金转化率经营现金流/净利润 | 4.64× | 0.69× |
| 过去12个月自由现金流最近4个季度 | $51.1M | — |
8季度趋势，按日历期对齐
经营现金流BCMLBOSC
| Q4 25 | $31.8M | — | ||
| Q3 25 | $7.3M | — | ||
| Q2 25 | $6.4M | $1.5M | ||
| Q1 25 | $9.3M | — | ||
| Q4 24 | $30.4M | — | ||
| Q3 24 | $9.6M | — | ||
| Q2 24 | $7.7M | $320.0K | ||
| Q1 24 | $5.1M | — |
自由现金流BCMLBOSC
| Q4 25 | $30.1M | — | ||
| Q3 25 | $6.2M | — | ||
| Q2 25 | $5.6M | $1.2M | ||
| Q1 25 | $9.1M | — | ||
| Q4 24 | $28.7M | — | ||
| Q3 24 | $9.4M | — | ||
| Q2 24 | $7.4M | $75.0K | ||
| Q1 24 | $3.9M | — |
自由现金流率BCMLBOSC
| Q4 25 | 116.2% | — | ||
| Q3 25 | 24.3% | — | ||
| Q2 25 | 22.8% | 4.5% | ||
| Q1 25 | 37.6% | — | ||
| Q4 24 | 121.1% | — | ||
| Q3 24 | 36.6% | — | ||
| Q2 24 | 31.2% | 0.4% | ||
| Q1 24 | 16.1% | — |
资本支出强度BCMLBOSC
| Q4 25 | 6.7% | — | ||
| Q3 25 | 4.3% | — | ||
| Q2 25 | 3.0% | 1.0% | ||
| Q1 25 | 0.6% | — | ||
| Q4 24 | 7.2% | — | ||
| Q3 24 | 1.0% | — | ||
| Q2 24 | 1.0% | 1.2% | ||
| Q1 24 | 4.7% | — |
现金转化率BCMLBOSC
| Q4 25 | 4.64× | — | ||
| Q3 25 | 1.47× | — | ||
| Q2 25 | 1.00× | 0.69× | ||
| Q1 25 | 1.63× | — | ||
| Q4 24 | 4.96× | — | ||
| Q3 24 | 1.60× | — | ||
| Q2 24 | 1.37× | 0.26× | ||
| Q1 24 | 0.86× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
