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BayCom Corp（BCML）与CUMBERLAND PHARMACEUTICALS INC（CPIX）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CUMBERLAND PHARMACEUTICALS INC的1.9倍（$25.9M vs $13.7M），BayCom Corp净利率更高（26.5% vs -10.3%，领先36.8%），CUMBERLAND PHARMACEUTICALS INC同比增速更快（31.1% vs 9.4%），BayCom Corp自由现金流更多（$30.1M vs $3.0K），过去两年CUMBERLAND PHARMACEUTICALS INC的营收复合增速更高（26.9% vs 2.9%）
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。
坎伯兰制药是一家专科制药企业，专注于开发、生产和商业化品牌处方药物，核心产品覆盖急症护理、胃肠病、疼痛管理及罕见病治疗领域，主要运营市场为美国，为相关医护人员与患者提供服务。
BCML vs CPIX — 直观对比
营收规模更大
BCML
是对方的1.9倍
$13.7M
营收增速更快
CPIX
高出21.7%
9.4%
净利率更高
BCML
高出36.8%
-10.3%
自由现金流更多
BCML
多$30.1M
$3.0K
两年增速更快
CPIX
近两年复合增速
2.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.9M | $13.7M |
| 净利润 | $6.9M | $-1.4M |
| 毛利率 | — | 83.6% |
| 营业利润率 | 36.6% | -10.0% |
| 净利率 | 26.5% | -10.3% |
| 营收同比 | 9.4% | 31.1% |
| 净利润同比 | 12.1% | 25.8% |
| 每股收益（稀释后） | $0.63 | $-0.09 |
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BCMLCPIX
| Q4 25 | $25.9M | $13.7M | ||
| Q3 25 | $25.7M | $8.3M | ||
| Q2 25 | $24.7M | $10.8M | ||
| Q1 25 | $24.3M | $11.7M | ||
| Q4 24 | $23.7M | $10.4M | ||
| Q3 24 | $25.6M | $9.1M | ||
| Q2 24 | $23.8M | $9.8M | ||
| Q1 24 | $24.5M | $8.5M |
净利润BCMLCPIX
| Q4 25 | $6.9M | $-1.4M | ||
| Q3 25 | $5.0M | $-1.9M | ||
| Q2 25 | $6.4M | $-740.7K | ||
| Q1 25 | $5.7M | $1.3M | ||
| Q4 24 | $6.1M | $-1.9M | ||
| Q3 24 | $6.0M | $-1.5M | ||
| Q2 24 | $5.6M | $-1.1M | ||
| Q1 24 | $5.9M | $-1.9M |
毛利率BCMLCPIX
| Q4 25 | — | 83.6% | ||
| Q3 25 | — | 88.1% | ||
| Q2 25 | — | 81.4% | ||
| Q1 25 | — | 87.8% | ||
| Q4 24 | — | 81.1% | ||
| Q3 24 | — | 85.4% | ||
| Q2 24 | — | 82.6% | ||
| Q1 24 | — | 81.5% |
营业利润率BCMLCPIX
| Q4 25 | 36.6% | -10.0% | ||
| Q3 25 | 26.3% | -23.7% | ||
| Q2 25 | 35.3% | -6.9% | ||
| Q1 25 | 31.6% | 11.0% | ||
| Q4 24 | 34.2% | -17.7% | ||
| Q3 24 | 32.4% | -18.6% | ||
| Q2 24 | 31.9% | -10.4% | ||
| Q1 24 | 33.3% | -22.0% |
净利率BCMLCPIX
| Q4 25 | 26.5% | -10.3% | ||
| Q3 25 | 19.5% | -23.4% | ||
| Q2 25 | 25.8% | -6.8% | ||
| Q1 25 | 23.4% | 10.7% | ||
| Q4 24 | 25.9% | -18.2% | ||
| Q3 24 | 23.5% | -17.0% | ||
| Q2 24 | 23.6% | -11.0% | ||
| Q1 24 | 24.0% | -22.9% |
每股收益（稀释后）BCMLCPIX
| Q4 25 | $0.63 | $-0.09 | ||
| Q3 25 | $0.46 | $-0.13 | ||
| Q2 25 | $0.58 | $-0.05 | ||
| Q1 25 | $0.51 | $0.08 | ||
| Q4 24 | $0.55 | $-0.13 | ||
| Q3 24 | $0.54 | $-0.11 | ||
| Q2 24 | $0.50 | $-0.08 | ||
| Q1 24 | $0.51 | $-0.14 |
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 | — | $11.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $338.6M | $24.9M |
| 总资产 | $2.6B | $76.8M |
| 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BCMLCPIX
| Q4 25 | — | $11.4M | ||
| Q3 25 | — | $15.2M | ||
| Q2 25 | — | $16.1M | ||
| Q1 25 | — | $15.1M | ||
| Q4 24 | — | $18.0M | ||
| Q3 24 | — | $17.5M | ||
| Q2 24 | — | $17.3M | ||
| Q1 24 | — | $18.5M |
股东权益BCMLCPIX
| Q4 25 | $338.6M | $24.9M | ||
| Q3 25 | $334.3M | $26.1M | ||
| Q2 25 | $330.6M | $28.0M | ||
| Q1 25 | $329.3M | $28.7M | ||
| Q4 24 | $324.4M | $22.9M | ||
| Q3 24 | $321.7M | $24.8M | ||
| Q2 24 | $315.3M | $26.3M | ||
| Q1 24 | $314.2M | $27.5M |
总资产BCMLCPIX
| Q4 25 | $2.6B | $76.8M | ||
| Q3 25 | $2.6B | $65.9M | ||
| Q2 25 | $2.6B | $67.9M | ||
| Q1 25 | $2.6B | $69.9M | ||
| Q4 24 | $2.7B | $75.6M | ||
| Q3 24 | $2.6B | $76.7M | ||
| Q2 24 | $2.6B | $78.5M | ||
| Q1 24 | $2.6B | $81.5M |
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 | $3.0K |
| 自由现金流经营现金流 - 资本支出 | $30.1M | $3.0K |
| 自由现金流率自由现金流/营收 | 116.2% | 0.0% |
| 资本支出强度资本支出/营收 | 6.7% | 0.0% |
| 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 | $4.8M |
8季度趋势，按日历期对齐
经营现金流BCMLCPIX
| Q4 25 | $31.8M | $3.0K | ||
| Q3 25 | $7.3M | $187.2K | ||
| Q2 25 | $6.4M | $843.8K | ||
| Q1 25 | $9.3M | $3.9M | ||
| Q4 24 | $30.4M | $1.9M | ||
| Q3 24 | $9.6M | $475.5K | ||
| Q2 24 | $7.7M | $-855.7K | ||
| Q1 24 | $5.1M | $-2.1M |
自由现金流BCMLCPIX
| Q4 25 | $30.1M | $3.0K | ||
| Q3 25 | $6.2M | $163.4K | ||
| Q2 25 | $5.6M | $817.3K | ||
| Q1 25 | $9.1M | $3.9M | ||
| Q4 24 | $28.7M | $1.9M | ||
| Q3 24 | $9.4M | $460.1K | ||
| Q2 24 | $7.4M | $-862.8K | ||
| Q1 24 | $3.9M | $-2.2M |
自由现金流率BCMLCPIX
| Q4 25 | 116.2% | 0.0% | ||
| Q3 25 | 24.3% | 2.0% | ||
| Q2 25 | 22.8% | 7.5% | ||
| Q1 25 | 37.6% | 32.9% | ||
| Q4 24 | 121.1% | 18.2% | ||
| Q3 24 | 36.6% | 5.1% | ||
| Q2 24 | 31.2% | -8.8% | ||
| Q1 24 | 16.1% | -25.6% |
资本支出强度BCMLCPIX
| Q4 25 | 6.7% | 0.0% | ||
| Q3 25 | 4.3% | 0.3% | ||
| Q2 25 | 3.0% | 0.2% | ||
| Q1 25 | 0.6% | 0.4% | ||
| Q4 24 | 7.2% | 0.0% | ||
| Q3 24 | 1.0% | 0.2% | ||
| Q2 24 | 1.0% | 0.1% | ||
| Q1 24 | 4.7% | 0.5% |
现金转化率BCMLCPIX
| Q4 25 | 4.64× | — | ||
| Q3 25 | 1.47× | — | ||
| Q2 25 | 1.00× | — | ||
| Q1 25 | 1.63× | 3.10× | ||
| 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
