vs
BayCom Corp（BCML）与READING INTERNATIONAL INC（RDI）财务数据对比。点击上方公司名可切换其他公司
READING INTERNATIONAL INC的季度营收约是BayCom Corp的1.9倍（$50.3M vs $25.9M），BayCom Corp净利率更高（26.5% vs -5.1%，领先31.6%），BayCom Corp同比增速更快（9.4% vs -14.2%），BayCom Corp自由现金流更多（$30.1M vs $4.1M），过去两年READING INTERNATIONAL INC的营收复合增速更高（5.6% 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。
雷丁公司是总部位于美国费城的铁路企业，1924年起在宾夕法尼亚州东部及周边各州提供客运与货运运输服务，直至1976年被联合铁路公司收购。
BCML vs RDI — 直观对比
营收规模更大
RDI
是对方的1.9倍
$25.9M
营收增速更快
BCML
高出23.6%
-14.2%
净利率更高
BCML
高出31.6%
-5.1%
自由现金流更多
BCML
多$26.0M
$4.1M
两年增速更快
RDI
近两年复合增速
2.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.9M | $50.3M |
| 净利润 | $6.9M | $-2.6M |
| 毛利率 | — | — |
| 营业利润率 | 36.6% | -1.9% |
| 净利率 | 26.5% | -5.1% |
| 营收同比 | 9.4% | -14.2% |
| 净利润同比 | 12.1% | -14.5% |
| 每股收益（稀释后） | $0.63 | $-0.11 |
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BCMLRDI
| Q4 25 | $25.9M | $50.3M | ||
| Q3 25 | $25.7M | $52.2M | ||
| Q2 25 | $24.7M | $60.4M | ||
| Q1 25 | $24.3M | $40.2M | ||
| Q4 24 | $23.7M | $58.6M | ||
| Q3 24 | $25.6M | $60.1M | ||
| Q2 24 | $23.8M | $46.8M | ||
| Q1 24 | $24.5M | $45.1M |
净利润BCMLRDI
| Q4 25 | $6.9M | $-2.6M | ||
| Q3 25 | $5.0M | $-4.2M | ||
| Q2 25 | $6.4M | $-2.7M | ||
| Q1 25 | $5.7M | $-4.8M | ||
| Q4 24 | $6.1M | $-2.2M | ||
| Q3 24 | $6.0M | $-7.0M | ||
| Q2 24 | $5.6M | $-12.8M | ||
| Q1 24 | $5.9M | $-13.2M |
营业利润率BCMLRDI
| Q4 25 | 36.6% | -1.9% | ||
| Q3 25 | 26.3% | -0.6% | ||
| Q2 25 | 35.3% | 4.8% | ||
| Q1 25 | 31.6% | -17.2% | ||
| Q4 24 | 34.2% | 2.6% | ||
| Q3 24 | 32.4% | -0.6% | ||
| Q2 24 | 31.9% | -16.4% | ||
| Q1 24 | 33.3% | -16.7% |
净利率BCMLRDI
| Q4 25 | 26.5% | -5.1% | ||
| Q3 25 | 19.5% | -8.0% | ||
| Q2 25 | 25.8% | -4.4% | ||
| Q1 25 | 23.4% | -11.8% | ||
| Q4 24 | 25.9% | -3.8% | ||
| Q3 24 | 23.5% | -11.7% | ||
| Q2 24 | 23.6% | -27.4% | ||
| Q1 24 | 24.0% | -29.4% |
每股收益（稀释后）BCMLRDI
| Q4 25 | $0.63 | $-0.11 | ||
| Q3 25 | $0.46 | $-0.18 | ||
| Q2 25 | $0.58 | $-0.12 | ||
| Q1 25 | $0.51 | $-0.21 | ||
| Q4 24 | $0.55 | $-0.11 | ||
| Q3 24 | $0.54 | $-0.31 | ||
| Q2 24 | $0.50 | $-0.57 | ||
| Q1 24 | $0.51 | $-0.59 |
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 | — | $10.5M |
| 总债务越低越好 | — | $185.1M |
| 股东权益账面价值 | $338.6M | $-18.2M |
| 总资产 | $2.6B | $434.9M |
| 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BCMLRDI
| Q4 25 | — | $10.5M | ||
| Q3 25 | — | $8.1M | ||
| Q2 25 | — | $9.1M | ||
| Q1 25 | — | $5.9M | ||
| Q4 24 | — | $12.4M | ||
| Q3 24 | — | $10.1M | ||
| Q2 24 | — | $9.3M | ||
| Q1 24 | — | $7.5M |
总债务BCMLRDI
| Q4 25 | — | $185.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $202.7M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益BCMLRDI
| Q4 25 | $338.6M | $-18.2M | ||
| Q3 25 | $334.3M | $-12.1M | ||
| Q2 25 | $330.6M | $-7.7M | ||
| Q1 25 | $329.3M | $-8.1M | ||
| Q4 24 | $324.4M | $-4.4M | ||
| Q3 24 | $321.7M | $1.6M | ||
| Q2 24 | $315.3M | $6.5M | ||
| Q1 24 | $314.2M | $18.0M |
总资产BCMLRDI
| Q4 25 | $2.6B | $434.9M | ||
| Q3 25 | $2.6B | $435.2M | ||
| Q2 25 | $2.6B | $438.1M | ||
| Q1 25 | $2.6B | $441.0M | ||
| Q4 24 | $2.7B | $471.0M | ||
| Q3 24 | $2.6B | $495.7M | ||
| Q2 24 | $2.6B | $494.9M | ||
| Q1 24 | $2.6B | $494.9M |
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 | $4.3M |
| 自由现金流经营现金流 - 资本支出 | $30.1M | $4.1M |
| 自由现金流率自由现金流/营收 | 116.2% | 8.2% |
| 资本支出强度资本支出/营收 | 6.7% | 0.3% |
| 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 | $-2.9M |
8季度趋势，按日历期对齐
经营现金流BCMLRDI
| Q4 25 | $31.8M | $4.3M | ||
| Q3 25 | $7.3M | $295.0K | ||
| Q2 25 | $6.4M | $1.6M | ||
| Q1 25 | $9.3M | $-7.7M | ||
| Q4 24 | $30.4M | $8.0M | ||
| Q3 24 | $9.6M | $1.3M | ||
| Q2 24 | $7.7M | $-10.4M | ||
| Q1 24 | $5.1M | $-2.8M |
自由现金流BCMLRDI
| Q4 25 | $30.1M | $4.1M | ||
| Q3 25 | $6.2M | $-246.0K | ||
| Q2 25 | $5.6M | $1.2M | ||
| Q1 25 | $9.1M | $-8.0M | ||
| Q4 24 | $28.7M | $7.0M | ||
| Q3 24 | $9.4M | $-1.1M | ||
| Q2 24 | $7.4M | $-10.6M | ||
| Q1 24 | $3.9M | $-4.7M |
自由现金流率BCMLRDI
| Q4 25 | 116.2% | 8.2% | ||
| Q3 25 | 24.3% | -0.5% | ||
| Q2 25 | 22.8% | 1.9% | ||
| Q1 25 | 37.6% | -19.8% | ||
| Q4 24 | 121.1% | 12.0% | ||
| Q3 24 | 36.6% | -1.8% | ||
| Q2 24 | 31.2% | -22.7% | ||
| Q1 24 | 16.1% | -10.4% |
资本支出强度BCMLRDI
| Q4 25 | 6.7% | 0.3% | ||
| Q3 25 | 4.3% | 1.0% | ||
| Q2 25 | 3.0% | 0.6% | ||
| Q1 25 | 0.6% | 0.6% | ||
| Q4 24 | 7.2% | 1.7% | ||
| Q3 24 | 1.0% | 4.0% | ||
| Q2 24 | 1.0% | 0.5% | ||
| Q1 24 | 4.7% | 4.3% |
现金转化率BCMLRDI
| 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× | — |
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
RDI
| Cinema Exhibition Segment | $46.9M | 93% |
| Real Estate Revenue | $3.4M | 7% |
