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BayCom Corp（BCML）与Blaize Holdings, Inc.（BZAI）财务数据对比。点击上方公司名可切换其他公司
BayCom Corp的季度营收约是Blaize Holdings, Inc.的1.1倍（$25.9M vs $23.8M），BayCom Corp净利率更高（26.5% vs -13.9%，领先40.4%），Blaize Holdings, Inc.同比增速更快（2377500.0% vs 9.4%），BayCom Corp自由现金流更多（$30.1M vs $-16.5M）
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。
Blaize Holdings Inc.是一家专注于边缘人工智能计算解决方案的科技企业，主打低能耗AI处理器、低延迟推理软件栈及端到端边缘AI开发工具，核心服务自动驾驶、工业自动化、智慧城市、边缘医疗监测等应用场景。
BCML vs BZAI — 直观对比
营收规模更大
BCML
是对方的1.1倍
$23.8M
营收增速更快
BZAI
高出2377490.6%
9.4%
净利率更高
BCML
高出40.4%
-13.9%
自由现金流更多
BCML
多$46.6M
$-16.5M
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.9M | $23.8M |
| 净利润 | $6.9M | $-3.3M |
| 毛利率 | — | 10.8% |
| 营业利润率 | 36.6% | -89.8% |
| 净利率 | 26.5% | -13.9% |
| 营收同比 | 9.4% | 2377500.0% |
| 净利润同比 | 12.1% | 50.7% |
| 每股收益（稀释后） | $0.63 | $0.16 |
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BCMLBZAI
| Q4 25 | $25.9M | $23.8M | ||
| Q3 25 | $25.7M | $11.9M | ||
| Q2 25 | $24.7M | — | ||
| Q1 25 | $24.3M | — | ||
| Q4 24 | $23.7M | — | ||
| Q3 24 | $25.6M | — | ||
| Q2 24 | $23.8M | — | ||
| Q1 24 | $24.5M | — |
净利润BCMLBZAI
| Q4 25 | $6.9M | $-3.3M | ||
| Q3 25 | $5.0M | $-26.3M | ||
| Q2 25 | $6.4M | — | ||
| Q1 25 | $5.7M | — | ||
| Q4 24 | $6.1M | — | ||
| Q3 24 | $6.0M | — | ||
| Q2 24 | $5.6M | — | ||
| Q1 24 | $5.9M | — |
毛利率BCMLBZAI
| Q4 25 | — | 10.8% | ||
| Q3 25 | — | 15.0% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
营业利润率BCMLBZAI
| Q4 25 | 36.6% | -89.8% | ||
| Q3 25 | 26.3% | -190.3% | ||
| Q2 25 | 35.3% | — | ||
| Q1 25 | 31.6% | — | ||
| Q4 24 | 34.2% | — | ||
| Q3 24 | 32.4% | — | ||
| Q2 24 | 31.9% | — | ||
| Q1 24 | 33.3% | — |
净利率BCMLBZAI
| Q4 25 | 26.5% | -13.9% | ||
| Q3 25 | 19.5% | -221.3% | ||
| Q2 25 | 25.8% | — | ||
| Q1 25 | 23.4% | — | ||
| Q4 24 | 25.9% | — | ||
| Q3 24 | 23.5% | — | ||
| Q2 24 | 23.6% | — | ||
| Q1 24 | 24.0% | — |
每股收益（稀释后）BCMLBZAI
| Q4 25 | $0.63 | $0.16 | ||
| Q3 25 | $0.46 | $-0.25 | ||
| Q2 25 | $0.58 | — | ||
| Q1 25 | $0.51 | — | ||
| Q4 24 | $0.55 | — | ||
| Q3 24 | $0.54 | — | ||
| Q2 24 | $0.50 | — | ||
| 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 | — | $45.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $338.6M | $39.0M |
| 总资产 | $2.6B | $102.2M |
| 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BCMLBZAI
| Q4 25 | — | $45.8M | ||
| Q3 25 | — | $24.0M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益BCMLBZAI
| Q4 25 | $338.6M | $39.0M | ||
| Q3 25 | $334.3M | $1.3M | ||
| Q2 25 | $330.6M | — | ||
| Q1 25 | $329.3M | — | ||
| Q4 24 | $324.4M | — | ||
| Q3 24 | $321.7M | — | ||
| Q2 24 | $315.3M | — | ||
| Q1 24 | $314.2M | — |
总资产BCMLBZAI
| Q4 25 | $2.6B | $102.2M | ||
| Q3 25 | $2.6B | $60.9M | ||
| Q2 25 | $2.6B | — | ||
| Q1 25 | $2.6B | — | ||
| Q4 24 | $2.7B | — | ||
| Q3 24 | $2.6B | — | ||
| Q2 24 | $2.6B | — | ||
| 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 | $-16.5M |
| 自由现金流经营现金流 - 资本支出 | $30.1M | $-16.5M |
| 自由现金流率自由现金流/营收 | 116.2% | -69.6% |
| 资本支出强度资本支出/营收 | 6.7% | 0.3% |
| 现金转化率经营现金流/净利润 | 4.64× | — |
| 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BCMLBZAI
| Q4 25 | $31.8M | $-16.5M | ||
| Q3 25 | $7.3M | $-24.9M | ||
| Q2 25 | $6.4M | — | ||
| Q1 25 | $9.3M | — | ||
| Q4 24 | $30.4M | — | ||
| Q3 24 | $9.6M | — | ||
| Q2 24 | $7.7M | — | ||
| Q1 24 | $5.1M | — |
自由现金流BCMLBZAI
| Q4 25 | $30.1M | $-16.5M | ||
| Q3 25 | $6.2M | $-24.9M | ||
| Q2 25 | $5.6M | — | ||
| Q1 25 | $9.1M | — | ||
| Q4 24 | $28.7M | — | ||
| Q3 24 | $9.4M | — | ||
| Q2 24 | $7.4M | — | ||
| Q1 24 | $3.9M | — |
自由现金流率BCMLBZAI
| Q4 25 | 116.2% | -69.6% | ||
| Q3 25 | 24.3% | -210.2% | ||
| Q2 25 | 22.8% | — | ||
| Q1 25 | 37.6% | — | ||
| Q4 24 | 121.1% | — | ||
| Q3 24 | 36.6% | — | ||
| Q2 24 | 31.2% | — | ||
| Q1 24 | 16.1% | — |
资本支出强度BCMLBZAI
| Q4 25 | 6.7% | 0.3% | ||
| Q3 25 | 4.3% | 0.2% | ||
| Q2 25 | 3.0% | — | ||
| Q1 25 | 0.6% | — | ||
| Q4 24 | 7.2% | — | ||
| Q3 24 | 1.0% | — | ||
| Q2 24 | 1.0% | — | ||
| Q1 24 | 4.7% | — |
现金转化率BCMLBZAI
| Q4 25 | 4.64× | — | ||
| Q3 25 | 1.47× | — | ||
| Q2 25 | 1.00× | — | ||
| Q1 25 | 1.63× | — | ||
| Q4 24 | 4.96× | — | ||
| Q3 24 | 1.60× | — | ||
| Q2 24 | 1.37× | — | ||
| 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
