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BayCom Corp（BCML）与INTEST CORP（INTT）财务数据对比。点击上方公司名可切换其他公司
INTEST CORP的季度营收约是BayCom Corp的1.3倍（$32.8M vs $25.9M），BayCom Corp净利率更高（26.5% vs 3.8%，领先22.7%），BayCom Corp同比增速更快（9.4% vs -10.3%），BayCom Corp自由现金流更多（$30.1M vs $-1.6M），过去两年INTEST CORP的营收复合增速更高（4.9% 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。
INTEST CORP是面向全球半导体产业的专业测试设备供应商，主营研发、生产及销售热管理系统、测试接口硬件、晶圆处理工具等产品，客户覆盖晶圆制造厂、芯片设计企业及汽车、工业电子等下游领域。
BCML vs INTT — 直观对比
营收规模更大
INTT
是对方的1.3倍
$25.9M
营收增速更快
BCML
高出19.8%
-10.3%
净利率更高
BCML
高出22.7%
3.8%
自由现金流更多
BCML
多$31.6M
$-1.6M
两年增速更快
INTT
近两年复合增速
2.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.9M | $32.8M |
| 净利润 | $6.9M | $1.2M |
| 毛利率 | — | 45.4% |
| 营业利润率 | 36.6% | 3.9% |
| 净利率 | 26.5% | 3.8% |
| 营收同比 | 9.4% | -10.3% |
| 净利润同比 | 12.1% | -17.4% |
| 每股收益（稀释后） | $0.63 | $0.10 |
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BCMLINTT
| Q4 25 | $25.9M | $32.8M | ||
| Q3 25 | $25.7M | $26.2M | ||
| Q2 25 | $24.7M | $28.1M | ||
| Q1 25 | $24.3M | $26.6M | ||
| Q4 24 | $23.7M | $36.6M | ||
| Q3 24 | $25.6M | $30.3M | ||
| Q2 24 | $23.8M | $34.0M | ||
| Q1 24 | $24.5M | $29.8M |
净利润BCMLINTT
| Q4 25 | $6.9M | $1.2M | ||
| Q3 25 | $5.0M | $-938.0K | ||
| Q2 25 | $6.4M | $-503.0K | ||
| Q1 25 | $5.7M | $-2.3M | ||
| Q4 24 | $6.1M | $1.5M | ||
| Q3 24 | $6.0M | $495.0K | ||
| Q2 24 | $5.6M | $230.0K | ||
| Q1 24 | $5.9M | $662.0K |
毛利率BCMLINTT
| Q4 25 | — | 45.4% | ||
| Q3 25 | — | 41.9% | ||
| Q2 25 | — | 42.6% | ||
| Q1 25 | — | 41.5% | ||
| Q4 24 | — | 39.7% | ||
| Q3 24 | — | 46.3% | ||
| Q2 24 | — | 40.6% | ||
| Q1 24 | — | 43.8% |
营业利润率BCMLINTT
| Q4 25 | 36.6% | 3.9% | ||
| Q3 25 | 26.3% | -4.5% | ||
| Q2 25 | 35.3% | -3.3% | ||
| Q1 25 | 31.6% | -10.8% | ||
| Q4 24 | 34.2% | 5.7% | ||
| Q3 24 | 32.4% | 1.6% | ||
| Q2 24 | 31.9% | 1.0% | ||
| Q1 24 | 33.3% | 1.6% |
净利率BCMLINTT
| Q4 25 | 26.5% | 3.8% | ||
| Q3 25 | 19.5% | -3.6% | ||
| Q2 25 | 25.8% | -1.8% | ||
| Q1 25 | 23.4% | -8.7% | ||
| Q4 24 | 25.9% | 4.1% | ||
| Q3 24 | 23.5% | 1.6% | ||
| Q2 24 | 23.6% | 0.7% | ||
| Q1 24 | 24.0% | 2.2% |
每股收益（稀释后）BCMLINTT
| Q4 25 | $0.63 | $0.10 | ||
| Q3 25 | $0.46 | $-0.08 | ||
| Q2 25 | $0.58 | $-0.04 | ||
| Q1 25 | $0.51 | $-0.19 | ||
| Q4 24 | $0.55 | $0.13 | ||
| Q3 24 | $0.54 | $0.04 | ||
| Q2 24 | $0.50 | $0.02 | ||
| Q1 24 | $0.51 | $0.05 |
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 | — | $14.2M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $338.6M | $103.6M |
| 总资产 | $2.6B | $151.3M |
| 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BCMLINTT
| Q4 25 | — | $14.2M | ||
| Q3 25 | — | $16.2M | ||
| Q2 25 | — | $19.2M | ||
| Q1 25 | — | $22.0M | ||
| Q4 24 | — | $19.8M | ||
| Q3 24 | — | $18.0M | ||
| Q2 24 | — | $20.4M | ||
| Q1 24 | — | $27.3M |
总债务BCMLINTT
| Q4 25 | — | — | ||
| Q3 25 | — | $4.9M | ||
| Q2 25 | — | $5.9M | ||
| Q1 25 | — | $6.9M | ||
| Q4 24 | — | $7.9M | ||
| Q3 24 | — | $9.0M | ||
| Q2 24 | — | $10.0M | ||
| Q1 24 | — | $11.0M |
股东权益BCMLINTT
| Q4 25 | $338.6M | $103.6M | ||
| Q3 25 | $334.3M | $101.9M | ||
| Q2 25 | $330.6M | $102.6M | ||
| Q1 25 | $329.3M | $99.4M | ||
| Q4 24 | $324.4M | $99.8M | ||
| Q3 24 | $321.7M | $100.4M | ||
| Q2 24 | $315.3M | $99.5M | ||
| Q1 24 | $314.2M | $99.3M |
总资产BCMLINTT
| Q4 25 | $2.6B | $151.3M | ||
| Q3 25 | $2.6B | $148.3M | ||
| Q2 25 | $2.6B | $149.7M | ||
| Q1 25 | $2.6B | $148.0M | ||
| Q4 24 | $2.7B | $152.3M | ||
| Q3 24 | $2.6B | $158.4M | ||
| Q2 24 | $2.6B | $160.6M | ||
| Q1 24 | $2.6B | $159.5M |
负债/权益比BCMLINTT
| Q4 25 | — | — | ||
| Q3 25 | — | 0.05× | ||
| Q2 25 | — | 0.06× | ||
| Q1 25 | — | 0.07× | ||
| Q4 24 | — | 0.08× | ||
| Q3 24 | — | 0.09× | ||
| Q2 24 | — | 0.10× | ||
| Q1 24 | — | 0.11× |
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 | $-1.0M |
| 自由现金流经营现金流 - 资本支出 | $30.1M | $-1.6M |
| 自由现金流率自由现金流/营收 | 116.2% | -4.7% |
| 资本支出强度资本支出/营收 | 6.7% | 1.6% |
| 现金转化率经营现金流/净利润 | 4.64× | -0.82× |
| 过去12个月自由现金流最近4个季度 | $51.1M | $5.7M |
8季度趋势，按日历期对齐
经营现金流BCMLINTT
| Q4 25 | $31.8M | $-1.0M | ||
| Q3 25 | $7.3M | $3.5M | ||
| Q2 25 | $6.4M | $-688.0K | ||
| Q1 25 | $9.3M | $5.5M | ||
| Q4 24 | $30.4M | $2.6M | ||
| Q3 24 | $9.6M | $4.2M | ||
| Q2 24 | $7.7M | $-5.1M | ||
| Q1 24 | $5.1M | $2.1M |
自由现金流BCMLINTT
| Q4 25 | $30.1M | $-1.6M | ||
| Q3 25 | $6.2M | $3.1M | ||
| Q2 25 | $5.6M | $-1.1M | ||
| Q1 25 | $9.1M | $5.3M | ||
| Q4 24 | $28.7M | $2.4M | ||
| Q3 24 | $9.4M | $3.7M | ||
| Q2 24 | $7.4M | $-5.4M | ||
| Q1 24 | $3.9M | $1.7M |
自由现金流率BCMLINTT
| Q4 25 | 116.2% | -4.7% | ||
| Q3 25 | 24.3% | 11.8% | ||
| Q2 25 | 22.8% | -4.1% | ||
| Q1 25 | 37.6% | 19.9% | ||
| Q4 24 | 121.1% | 6.6% | ||
| Q3 24 | 36.6% | 12.4% | ||
| Q2 24 | 31.2% | -15.9% | ||
| Q1 24 | 16.1% | 5.8% |
资本支出强度BCMLINTT
| Q4 25 | 6.7% | 1.6% | ||
| Q3 25 | 4.3% | 1.6% | ||
| Q2 25 | 3.0% | 1.6% | ||
| Q1 25 | 0.6% | 0.9% | ||
| Q4 24 | 7.2% | 0.4% | ||
| Q3 24 | 1.0% | 1.7% | ||
| Q2 24 | 1.0% | 0.9% | ||
| Q1 24 | 4.7% | 1.1% |
现金转化率BCMLINTT
| Q4 25 | 4.64× | -0.82× | ||
| Q3 25 | 1.47× | — | ||
| Q2 25 | 1.00× | — | ||
| Q1 25 | 1.63× | — | ||
| Q4 24 | 4.96× | 1.72× | ||
| Q3 24 | 1.60× | 8.58× | ||
| Q2 24 | 1.37× | -22.13× | ||
| Q1 24 | 0.86× | 3.13× |
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
INTT
| Environmental Technologies | $8.3M | 25% |
| Semiconductor Market | $6.9M | 21% |
| Thermal Testing Products | $6.4M | 19% |
| Service And Other Products | $4.8M | 15% |
| Oem Integrators And Distributor | $3.5M | 11% |
| Semiconductor Production Test Products | $3.0M | 9% |
