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BayCom Corp（BCML）与FiscalNote Holdings, Inc.（NOTE）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FiscalNote Holdings, Inc.的1.2倍（$25.9M vs $22.2M），BayCom Corp同比增速更快（9.4% vs -24.7%），BayCom Corp自由现金流更多（$30.1M vs $-1.9M），过去两年BayCom Corp的营收复合增速更高（2.9% vs -16.8%）
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。
FiscalNote Holdings, Inc.（常称FiscalNote）是一家上市的软件数据与传媒企业，总部位于美国华盛顿特区，2013年由三位创始人创立。核心业务为通过政府关系管理服务FiscalNote GRM提供软件工具、平台、数据服务与资讯，同时依托人工智能平台分析美国待审议法案相关内容。
BCML vs NOTE — 直观对比
营收规模更大
BCML
是对方的1.2倍
$22.2M
营收增速更快
BCML
高出34.1%
-24.7%
自由现金流更多
BCML
多$32.0M
$-1.9M
两年增速更快
BCML
近两年复合增速
-16.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.9M | $22.2M |
| 净利润 | $6.9M | — |
| 毛利率 | — | — |
| 营业利润率 | 36.6% | -83.7% |
| 净利率 | 26.5% | — |
| 营收同比 | 9.4% | -24.7% |
| 净利润同比 | 12.1% | — |
| 每股收益（稀释后） | $0.63 | $-2.81 |
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BCMLNOTE
| Q4 25 | $25.9M | $22.2M | ||
| Q3 25 | $25.7M | $22.4M | ||
| Q2 25 | $24.7M | $23.3M | ||
| Q1 25 | $24.3M | $27.5M | ||
| Q4 24 | $23.7M | $29.5M | ||
| Q3 24 | $25.6M | $29.4M | ||
| Q2 24 | $23.8M | $29.2M | ||
| Q1 24 | $24.5M | $32.1M |
净利润BCMLNOTE
| Q4 25 | $6.9M | — | ||
| Q3 25 | $5.0M | $-24.9M | ||
| Q2 25 | $6.4M | $-13.3M | ||
| Q1 25 | $5.7M | $-4.3M | ||
| Q4 24 | $6.1M | — | ||
| Q3 24 | $6.0M | $-14.9M | ||
| Q2 24 | $5.6M | $-12.8M | ||
| Q1 24 | $5.9M | $50.6M |
营业利润率BCMLNOTE
| Q4 25 | 36.6% | -83.7% | ||
| Q3 25 | 26.3% | -43.4% | ||
| Q2 25 | 35.3% | -31.9% | ||
| Q1 25 | 31.6% | -50.0% | ||
| Q4 24 | 34.2% | -19.4% | ||
| Q3 24 | 32.4% | -23.1% | ||
| Q2 24 | 31.9% | -27.2% | ||
| Q1 24 | 33.3% | -35.6% |
净利率BCMLNOTE
| Q4 25 | 26.5% | — | ||
| Q3 25 | 19.5% | -110.8% | ||
| Q2 25 | 25.8% | -57.0% | ||
| Q1 25 | 23.4% | -15.4% | ||
| Q4 24 | 25.9% | — | ||
| Q3 24 | 23.5% | -50.7% | ||
| Q2 24 | 23.6% | -43.6% | ||
| Q1 24 | 24.0% | 157.6% |
每股收益（稀释后）BCMLNOTE
| Q4 25 | $0.63 | $-2.81 | ||
| Q3 25 | $0.46 | $-1.73 | ||
| Q2 25 | $0.58 | $-0.08 | ||
| Q1 25 | $0.51 | $-0.03 | ||
| Q4 24 | $0.55 | $1.88 | ||
| Q3 24 | $0.54 | $-1.33 | ||
| Q2 24 | $0.50 | $-0.09 | ||
| Q1 24 | $0.51 | $0.37 |
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 | — | $26.3M |
| 总债务越低越好 | — | $128.4M |
| 股东权益账面价值 | $338.6M | $62.0M |
| 总资产 | $2.6B | $255.1M |
| 负债/权益比越低杠杆越低 | — | 2.07× |
8季度趋势，按日历期对齐
现金及短期投资BCMLNOTE
| Q4 25 | — | $26.3M | ||
| Q3 25 | — | $31.2M | ||
| Q2 25 | — | $38.5M | ||
| Q1 25 | — | $46.3M | ||
| Q4 24 | — | $34.6M | ||
| Q3 24 | — | $32.7M | ||
| Q2 24 | — | $37.7M | ||
| Q1 24 | — | $43.6M |
总债务BCMLNOTE
| Q4 25 | — | $128.4M | ||
| Q3 25 | — | $131.5M | ||
| Q2 25 | — | $116.7M | ||
| Q1 25 | — | $118.0M | ||
| Q4 24 | — | $147.1M | ||
| Q3 24 | — | $152.2M | ||
| Q2 24 | — | $145.9M | ||
| Q1 24 | — | $153.0M |
股东权益BCMLNOTE
| Q4 25 | $338.6M | $62.0M | ||
| Q3 25 | $334.3M | $75.5M | ||
| Q2 25 | $330.6M | $95.1M | ||
| Q1 25 | $329.3M | $98.7M | ||
| Q4 24 | $324.4M | $97.8M | ||
| Q3 24 | $321.7M | $98.5M | ||
| Q2 24 | $315.3M | $106.9M | ||
| Q1 24 | $314.2M | $106.1M |
总资产BCMLNOTE
| Q4 25 | $2.6B | $255.1M | ||
| Q3 25 | $2.6B | $273.9M | ||
| Q2 25 | $2.6B | $288.3M | ||
| Q1 25 | $2.6B | $299.7M | ||
| Q4 24 | $2.7B | $326.2M | ||
| Q3 24 | $2.6B | $337.9M | ||
| Q2 24 | $2.6B | $346.3M | ||
| Q1 24 | $2.6B | $357.8M |
负债/权益比BCMLNOTE
| Q4 25 | — | 2.07× | ||
| Q3 25 | — | 1.74× | ||
| Q2 25 | — | 1.23× | ||
| Q1 25 | — | 1.20× | ||
| Q4 24 | — | 1.50× | ||
| Q3 24 | — | 1.54× | ||
| Q2 24 | — | 1.36× | ||
| Q1 24 | — | 1.44× |
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 | $-279.0K |
| 自由现金流经营现金流 - 资本支出 | $30.1M | $-1.9M |
| 自由现金流率自由现金流/营收 | 116.2% | -8.7% |
| 资本支出强度资本支出/营收 | 6.7% | 7.4% |
| 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 | $-18.6M |
8季度趋势，按日历期对齐
经营现金流BCMLNOTE
| Q4 25 | $31.8M | $-279.0K | ||
| Q3 25 | $7.3M | $-8.3M | ||
| Q2 25 | $6.4M | $-6.2M | ||
| Q1 25 | $9.3M | $3.3M | ||
| Q4 24 | $30.4M | $-1.3M | ||
| Q3 24 | $9.6M | $-3.0M | ||
| Q2 24 | $7.7M | $-3.7M | ||
| Q1 24 | $5.1M | $2.7M |
自由现金流BCMLNOTE
| Q4 25 | $30.1M | $-1.9M | ||
| Q3 25 | $6.2M | $-10.4M | ||
| Q2 25 | $5.6M | $-7.7M | ||
| Q1 25 | $9.1M | $1.3M | ||
| Q4 24 | $28.7M | $-3.4M | ||
| Q3 24 | $9.4M | $-5.4M | ||
| Q2 24 | $7.4M | $-6.5M | ||
| Q1 24 | $3.9M | $1.0M |
自由现金流率BCMLNOTE
| Q4 25 | 116.2% | -8.7% | ||
| Q3 25 | 24.3% | -46.2% | ||
| Q2 25 | 22.8% | -33.0% | ||
| Q1 25 | 37.6% | 4.7% | ||
| Q4 24 | 121.1% | -11.4% | ||
| Q3 24 | 36.6% | -18.4% | ||
| Q2 24 | 31.2% | -22.1% | ||
| Q1 24 | 16.1% | 3.3% |
资本支出强度BCMLNOTE
| Q4 25 | 6.7% | 7.4% | ||
| Q3 25 | 4.3% | 9.3% | ||
| Q2 25 | 3.0% | 6.4% | ||
| Q1 25 | 0.6% | 7.2% | ||
| Q4 24 | 7.2% | 6.8% | ||
| Q3 24 | 1.0% | 8.3% | ||
| Q2 24 | 1.0% | 9.4% | ||
| Q1 24 | 4.7% | 5.3% |
现金转化率BCMLNOTE
| 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× | 0.05× |
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
NOTE
| Subscription | $21.2M | 95% |
| Advisory Advertising And Other | $1.0M | 5% |
