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BayCom Corp（BCML）与Clearfield, Inc.（CLFD）财务数据对比。点击上方公司名可切换其他公司
Clearfield, Inc.的季度营收约是BayCom Corp的1.3倍（$34.3M vs $25.9M），BayCom Corp净利率更高（26.5% vs -1.8%，领先28.3%），BayCom Corp同比增速更快（9.4% vs -3.2%），BayCom Corp自由现金流更多（$30.1M vs $-2.4M），过去两年BayCom Corp的营收复合增速更高（2.9% vs -3.5%）
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。
Clearfield, Inc.总部位于美国明尼苏达州明尼阿波利斯市，是一家专注于光纤产品研发生产的企业，其产品主要应用于光纤通信网络建设领域，为通信基础设施部署提供相关硬件支撑。
BCML vs CLFD — 直观对比
营收规模更大
CLFD
是对方的1.3倍
$25.9M
营收增速更快
BCML
高出12.6%
-3.2%
净利率更高
BCML
高出28.3%
-1.8%
自由现金流更多
BCML
多$32.5M
$-2.4M
两年增速更快
BCML
近两年复合增速
-3.5%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $25.9M | $34.3M |
| 净利润 | $6.9M | $-614.0K |
| 毛利率 | — | 33.2% |
| 营业利润率 | 36.6% | -5.3% |
| 净利率 | 26.5% | -1.8% |
| 营收同比 | 9.4% | -3.2% |
| 净利润同比 | 12.1% | 67.8% |
| 每股收益（稀释后） | $0.63 | $-0.04 |
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BCMLCLFD
| Q4 25 | $25.9M | $34.3M | ||
| Q3 25 | $25.7M | $23.4M | ||
| Q2 25 | $24.7M | $49.9M | ||
| Q1 25 | $24.3M | $47.2M | ||
| Q4 24 | $23.7M | $29.7M | ||
| Q3 24 | $25.6M | $5.6M | ||
| Q2 24 | $23.8M | $48.8M | ||
| Q1 24 | $24.5M | $36.9M |
净利润BCMLCLFD
| Q4 25 | $6.9M | $-614.0K | ||
| Q3 25 | $5.0M | $-9.1M | ||
| Q2 25 | $6.4M | $1.6M | ||
| Q1 25 | $5.7M | $1.3M | ||
| Q4 24 | $6.1M | $-1.9M | ||
| Q3 24 | $6.0M | — | ||
| Q2 24 | $5.6M | $-447.0K | ||
| Q1 24 | $5.9M | $-5.9M |
毛利率BCMLCLFD
| Q4 25 | — | 33.2% | ||
| Q3 25 | — | 53.2% | ||
| Q2 25 | — | 30.5% | ||
| Q1 25 | — | 30.1% | ||
| Q4 24 | — | 29.2% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 21.9% | ||
| Q1 24 | — | 7.7% |
营业利润率BCMLCLFD
| Q4 25 | 36.6% | -5.3% | ||
| Q3 25 | 26.3% | 10.3% | ||
| Q2 25 | 35.3% | 3.0% | ||
| Q1 25 | 31.6% | 0.6% | ||
| Q4 24 | 34.2% | -6.9% | ||
| Q3 24 | 32.4% | — | ||
| Q2 24 | 31.9% | -4.7% | ||
| Q1 24 | 33.3% | -26.4% |
净利率BCMLCLFD
| Q4 25 | 26.5% | -1.8% | ||
| Q3 25 | 19.5% | -38.8% | ||
| Q2 25 | 25.8% | 3.2% | ||
| Q1 25 | 23.4% | 2.8% | ||
| Q4 24 | 25.9% | -6.4% | ||
| Q3 24 | 23.5% | — | ||
| Q2 24 | 23.6% | -0.9% | ||
| Q1 24 | 24.0% | -16.0% |
每股收益（稀释后）BCMLCLFD
| Q4 25 | $0.63 | $-0.04 | ||
| Q3 25 | $0.46 | $-0.65 | ||
| Q2 25 | $0.58 | $0.11 | ||
| Q1 25 | $0.51 | $0.09 | ||
| Q4 24 | $0.55 | $-0.13 | ||
| Q3 24 | $0.54 | — | ||
| Q2 24 | $0.50 | $-0.04 | ||
| Q1 24 | $0.51 | $-0.40 |
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 | — | $96.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $338.6M | $249.7M |
| 总资产 | $2.6B | $268.1M |
| 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BCMLCLFD
| Q4 25 | — | $96.4M | ||
| Q3 25 | — | $106.0M | ||
| Q2 25 | — | $117.2M | ||
| Q1 25 | — | $112.0M | ||
| Q4 24 | — | $113.0M | ||
| Q3 24 | — | $129.0M | ||
| Q2 24 | — | $123.8M | ||
| Q1 24 | — | $142.9M |
总债务BCMLCLFD
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $2.2M | ||
| Q2 24 | — | $2.1M | ||
| Q1 24 | — | — |
股东权益BCMLCLFD
| Q4 25 | $338.6M | $249.7M | ||
| Q3 25 | $334.3M | $256.2M | ||
| Q2 25 | $330.6M | $264.5M | ||
| Q1 25 | $329.3M | $265.9M | ||
| Q4 24 | $324.4M | $267.4M | ||
| Q3 24 | $321.7M | $275.8M | ||
| Q2 24 | $315.3M | $274.6M | ||
| Q1 24 | $314.2M | $279.2M |
总资产BCMLCLFD
| Q4 25 | $2.6B | $268.1M | ||
| Q3 25 | $2.6B | $306.2M | ||
| Q2 25 | $2.6B | $314.7M | ||
| Q1 25 | $2.6B | $310.9M | ||
| Q4 24 | $2.7B | $303.2M | ||
| Q3 24 | $2.6B | $315.3M | ||
| Q2 24 | $2.6B | $318.1M | ||
| Q1 24 | $2.6B | $315.4M |
负债/权益比BCMLCLFD
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.01× | ||
| Q2 24 | — | 0.01× | ||
| Q1 24 | — | — |
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 | $-1.4M |
| 自由现金流经营现金流 - 资本支出 | $30.1M | $-2.4M |
| 自由现金流率自由现金流/营收 | 116.2% | -7.1% |
| 资本支出强度资本支出/营收 | 6.7% | 2.9% |
| 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BCMLCLFD
| Q4 25 | $31.8M | $-1.4M | ||
| Q3 25 | $7.3M | — | ||
| Q2 25 | $6.4M | $7.9M | ||
| Q1 25 | $9.3M | $3.0M | ||
| Q4 24 | $30.4M | $7.2M | ||
| Q3 24 | $9.6M | $22.2M | ||
| Q2 24 | $7.7M | $4.0M | ||
| Q1 24 | $5.1M | $-5.7M |
自由现金流BCMLCLFD
| Q4 25 | $30.1M | $-2.4M | ||
| Q3 25 | $6.2M | — | ||
| Q2 25 | $5.6M | $7.5M | ||
| Q1 25 | $9.1M | $654.0K | ||
| Q4 24 | $28.7M | $5.1M | ||
| Q3 24 | $9.4M | $18.2M | ||
| Q2 24 | $7.4M | $2.8M | ||
| Q1 24 | $3.9M | $-7.7M |
自由现金流率BCMLCLFD
| Q4 25 | 116.2% | -7.1% | ||
| Q3 25 | 24.3% | — | ||
| Q2 25 | 22.8% | 15.1% | ||
| Q1 25 | 37.6% | 1.4% | ||
| Q4 24 | 121.1% | 17.1% | ||
| Q3 24 | 36.6% | 323.0% | ||
| Q2 24 | 31.2% | 5.8% | ||
| Q1 24 | 16.1% | -20.8% |
资本支出强度BCMLCLFD
| Q4 25 | 6.7% | 2.9% | ||
| Q3 25 | 4.3% | 2.0% | ||
| Q2 25 | 3.0% | 0.8% | ||
| Q1 25 | 0.6% | 5.1% | ||
| Q4 24 | 7.2% | 7.0% | ||
| Q3 24 | 1.0% | 71.4% | ||
| Q2 24 | 1.0% | 2.5% | ||
| Q1 24 | 4.7% | 5.3% |
现金转化率BCMLCLFD
| Q4 25 | 4.64× | — | ||
| Q3 25 | 1.47× | — | ||
| Q2 25 | 1.00× | 4.93× | ||
| Q1 25 | 1.63× | 2.30× | ||
| 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
