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BayCom Corp（BCML）与FGI Industries Ltd.（FGI）财务数据对比。点击上方公司名可切换其他公司
FGI Industries Ltd.的季度营收约是BayCom Corp的1.2倍（$30.5M vs $25.9M），BayCom Corp净利率更高（26.5% vs -8.6%，领先35.1%），BayCom Corp同比增速更快（9.4% vs -14.4%），BayCom Corp自由现金流更多（$30.1M vs $2.3M），过去两年BayCom Corp的营收复合增速更高（2.9% vs -0.5%）
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。
FGI Industries Ltd是一家全球厨卫产品、家居收纳解决方案及家装用品的设计、制造与分销商，服务覆盖北美、欧洲及亚太地区的大型连锁零售商、家居专营店和电商平台。
BCML vs FGI — 直观对比
营收规模更大
FGI
是对方的1.2倍
$25.9M
营收增速更快
BCML
高出23.8%
-14.4%
净利率更高
BCML
高出35.1%
-8.6%
自由现金流更多
BCML
多$27.8M
$2.3M
两年增速更快
BCML
近两年复合增速
-0.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.9M | $30.5M |
| 净利润 | $6.9M | $-2.6M |
| 毛利率 | — | 26.7% |
| 营业利润率 | 36.6% | -2.2% |
| 净利率 | 26.5% | -8.6% |
| 营收同比 | 9.4% | -14.4% |
| 净利润同比 | 12.1% | -553.1% |
| 每股收益（稀释后） | $0.63 | $-1.63 |
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BCMLFGI
| Q4 25 | $25.9M | $30.5M | ||
| Q3 25 | $25.7M | $35.8M | ||
| Q2 25 | $24.7M | $31.0M | ||
| Q1 25 | $24.3M | $33.2M | ||
| Q4 24 | $23.7M | $35.6M | ||
| Q3 24 | $25.6M | $36.1M | ||
| Q2 24 | $23.8M | $29.4M | ||
| Q1 24 | $24.5M | $30.8M |
净利润BCMLFGI
| Q4 25 | $6.9M | $-2.6M | ||
| Q3 25 | $5.0M | $-1.7M | ||
| Q2 25 | $6.4M | $-1.2M | ||
| Q1 25 | $5.7M | $-629.1K | ||
| Q4 24 | $6.1M | $-402.3K | ||
| Q3 24 | $6.0M | $-550.1K | ||
| Q2 24 | $5.6M | $163.6K | ||
| Q1 24 | $5.9M | $-412.2K |
毛利率BCMLFGI
| Q4 25 | — | 26.7% | ||
| Q3 25 | — | 26.5% | ||
| Q2 25 | — | 28.1% | ||
| Q1 25 | — | 26.8% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 25.8% | ||
| Q2 24 | — | 30.5% | ||
| Q1 24 | — | 27.4% |
营业利润率BCMLFGI
| Q4 25 | 36.6% | -2.2% | ||
| Q3 25 | 26.3% | 1.0% | ||
| Q2 25 | 35.3% | -2.7% | ||
| Q1 25 | 31.6% | -3.9% | ||
| Q4 24 | 34.2% | -3.5% | ||
| Q3 24 | 32.4% | -0.2% | ||
| Q2 24 | 31.9% | -1.5% | ||
| Q1 24 | 33.3% | -1.0% |
净利率BCMLFGI
| Q4 25 | 26.5% | -8.6% | ||
| Q3 25 | 19.5% | -4.6% | ||
| Q2 25 | 25.8% | -4.0% | ||
| Q1 25 | 23.4% | -1.9% | ||
| Q4 24 | 25.9% | -1.1% | ||
| Q3 24 | 23.5% | -1.5% | ||
| Q2 24 | 23.6% | 0.6% | ||
| Q1 24 | 24.0% | -1.3% |
每股收益（稀释后）BCMLFGI
| Q4 25 | $0.63 | $-1.63 | ||
| Q3 25 | $0.46 | $-0.86 | ||
| Q2 25 | $0.58 | $-0.64 | ||
| Q1 25 | $0.51 | $-0.07 | ||
| Q4 24 | $0.55 | $-0.38 | ||
| Q3 24 | $0.54 | $-0.29 | ||
| Q2 24 | $0.50 | $0.08 | ||
| Q1 24 | $0.51 | $-0.04 |
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 | — | $1.9M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $338.6M | $17.3M |
| 总资产 | $2.6B | $69.5M |
| 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BCMLFGI
| Q4 25 | — | $1.9M | ||
| Q3 25 | — | $1.9M | ||
| Q2 25 | — | $2.5M | ||
| Q1 25 | — | $1.2M | ||
| Q4 24 | — | $4.6M | ||
| Q3 24 | — | $3.0M | ||
| Q2 24 | — | $1.3M | ||
| Q1 24 | — | $3.3M |
股东权益BCMLFGI
| Q4 25 | $338.6M | $17.3M | ||
| Q3 25 | $334.3M | $19.7M | ||
| Q2 25 | $330.6M | $21.3M | ||
| Q1 25 | $329.3M | $21.8M | ||
| Q4 24 | $324.4M | $22.3M | ||
| Q3 24 | $321.7M | $23.5M | ||
| Q2 24 | $315.3M | $23.8M | ||
| Q1 24 | $314.2M | $23.9M |
总资产BCMLFGI
| Q4 25 | $2.6B | $69.5M | ||
| Q3 25 | $2.6B | $73.0M | ||
| Q2 25 | $2.6B | $71.7M | ||
| Q1 25 | $2.6B | $68.5M | ||
| Q4 24 | $2.7B | $75.5M | ||
| Q3 24 | $2.6B | $74.7M | ||
| Q2 24 | $2.6B | $69.9M | ||
| Q1 24 | $2.6B | $68.6M |
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 | $2.3M |
| 自由现金流经营现金流 - 资本支出 | $30.1M | $2.3M |
| 自由现金流率自由现金流/营收 | 116.2% | 7.5% |
| 资本支出强度资本支出/营收 | 6.7% | 0.2% |
| 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 | $-212.5K |
8季度趋势，按日历期对齐
经营现金流BCMLFGI
| Q4 25 | $31.8M | $2.3M | ||
| Q3 25 | $7.3M | $-1.9M | ||
| Q2 25 | $6.4M | $7.6M | ||
| Q1 25 | $9.3M | $-7.4M | ||
| Q4 24 | $30.4M | $617.4K | ||
| Q3 24 | $9.6M | $-915.0K | ||
| Q2 24 | $7.7M | $862.1K | ||
| Q1 24 | $5.1M | $-8.0M |
自由现金流BCMLFGI
| Q4 25 | $30.1M | $2.3M | ||
| Q3 25 | $6.2M | $-2.1M | ||
| Q2 25 | $5.6M | $7.4M | ||
| Q1 25 | $9.1M | $-7.7M | ||
| Q4 24 | $28.7M | $-214.1K | ||
| Q3 24 | $9.4M | $-1.1M | ||
| Q2 24 | $7.4M | $281.5K | ||
| Q1 24 | $3.9M | $-8.6M |
自由现金流率BCMLFGI
| Q4 25 | 116.2% | 7.5% | ||
| Q3 25 | 24.3% | -5.9% | ||
| Q2 25 | 22.8% | 23.8% | ||
| Q1 25 | 37.6% | -23.3% | ||
| Q4 24 | 121.1% | -0.6% | ||
| Q3 24 | 36.6% | -3.0% | ||
| Q2 24 | 31.2% | 1.0% | ||
| Q1 24 | 16.1% | -28.0% |
资本支出强度BCMLFGI
| Q4 25 | 6.7% | 0.2% | ||
| Q3 25 | 4.3% | 0.7% | ||
| Q2 25 | 3.0% | 0.7% | ||
| Q1 25 | 0.6% | 1.1% | ||
| Q4 24 | 7.2% | 2.3% | ||
| Q3 24 | 1.0% | 0.5% | ||
| Q2 24 | 1.0% | 2.0% | ||
| Q1 24 | 4.7% | 2.0% |
现金转化率BCMLFGI
| 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× | 5.27× | ||
| 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
业务分部营收拆解
BCML
暂无分部数据
FGI
| Sanitaryware | $19.1M | 63% |
| Shower System | $5.8M | 19% |
| Kitchen And Bath Other | $3.3M | 11% |
| Bath Furniture Products | $2.3M | 7% |
