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BayCom Corp（BCML）与R F INDUSTRIES LTD（RFIL）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R F INDUSTRIES LTD的1.1倍（$25.9M vs $22.7M），BayCom Corp净利率更高（26.5% vs 0.8%，领先25.7%），R F INDUSTRIES LTD同比增速更快（22.9% vs 9.4%），BayCom Corp自由现金流更多（$30.1M vs $2.0M），过去两年R F INDUSTRIES LTD的营收复合增速更高（29.8% 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。
妥思卷工业是一家总部位于美国伊利诺伊州芝加哥的糖果制造商，旗下最知名的产品包括同名的Tootsie Roll软糖以及Tootsie Pop棒棒糖，目前其品牌产品销往加拿大、墨西哥等全球超过75个国家。
BCML vs RFIL — 直观对比
营收规模更大
BCML
是对方的1.1倍
$22.7M
营收增速更快
RFIL
高出13.5%
9.4%
净利率更高
BCML
高出25.7%
0.8%
自由现金流更多
BCML
多$28.1M
$2.0M
两年增速更快
RFIL
近两年复合增速
2.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.9M | $22.7M |
| 净利润 | $6.9M | $173.0K |
| 毛利率 | — | 36.8% |
| 营业利润率 | 36.6% | 4.0% |
| 净利率 | 26.5% | 0.8% |
| 营收同比 | 9.4% | 22.9% |
| 净利润同比 | 12.1% | 172.7% |
| 每股收益（稀释后） | $0.63 | $0.01 |
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BCMLRFIL
| Q4 25 | $25.9M | $22.7M | ||
| Q3 25 | $25.7M | $19.8M | ||
| Q2 25 | $24.7M | $18.9M | ||
| Q1 25 | $24.3M | $19.2M | ||
| Q4 24 | $23.7M | $18.5M | ||
| Q3 24 | $25.6M | $16.8M | ||
| Q2 24 | $23.8M | $16.1M | ||
| Q1 24 | $24.5M | $13.5M |
净利润BCMLRFIL
| Q4 25 | $6.9M | $173.0K | ||
| Q3 25 | $5.0M | $392.0K | ||
| Q2 25 | $6.4M | $-245.0K | ||
| Q1 25 | $5.7M | $-245.0K | ||
| Q4 24 | $6.1M | $-238.0K | ||
| Q3 24 | $6.0M | $-705.0K | ||
| Q2 24 | $5.6M | $-4.3M | ||
| Q1 24 | $5.9M | $-1.4M |
毛利率BCMLRFIL
| Q4 25 | — | 36.8% | ||
| Q3 25 | — | 34.0% | ||
| Q2 25 | — | 31.5% | ||
| Q1 25 | — | 29.8% | ||
| Q4 24 | — | 31.3% | ||
| Q3 24 | — | 29.5% | ||
| Q2 24 | — | 29.9% | ||
| Q1 24 | — | 24.5% |
营业利润率BCMLRFIL
| Q4 25 | 36.6% | 4.0% | ||
| Q3 25 | 26.3% | 3.6% | ||
| Q2 25 | 35.3% | 0.6% | ||
| Q1 25 | 31.6% | 0.3% | ||
| Q4 24 | 34.2% | 0.5% | ||
| Q3 24 | 32.4% | -2.5% | ||
| Q2 24 | 31.9% | -2.6% | ||
| Q1 24 | 33.3% | -15.5% |
净利率BCMLRFIL
| Q4 25 | 26.5% | 0.8% | ||
| Q3 25 | 19.5% | 2.0% | ||
| Q2 25 | 25.8% | -1.3% | ||
| Q1 25 | 23.4% | -1.3% | ||
| Q4 24 | 25.9% | -1.3% | ||
| Q3 24 | 23.5% | -4.2% | ||
| Q2 24 | 23.6% | -26.7% | ||
| Q1 24 | 24.0% | -10.1% |
每股收益（稀释后）BCMLRFIL
| Q4 25 | $0.63 | $0.01 | ||
| Q3 25 | $0.46 | $0.04 | ||
| Q2 25 | $0.58 | $-0.02 | ||
| Q1 25 | $0.51 | $-0.02 | ||
| Q4 24 | $0.55 | $-0.02 | ||
| Q3 24 | $0.54 | $-0.07 | ||
| Q2 24 | $0.50 | $-0.41 | ||
| Q1 24 | $0.51 | $-0.13 |
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 | — | $5.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $338.6M | $35.2M |
| 总资产 | $2.6B | $73.0M |
| 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BCMLRFIL
| Q4 25 | — | $5.1M | ||
| Q3 25 | — | $3.0M | ||
| Q2 25 | — | $3.6M | ||
| Q1 25 | — | $1.3M | ||
| Q4 24 | — | $839.0K | ||
| Q3 24 | — | $1.8M | ||
| Q2 24 | — | $1.4M | ||
| Q1 24 | — | $4.5M |
股东权益BCMLRFIL
| Q4 25 | $338.6M | $35.2M | ||
| Q3 25 | $334.3M | $34.8M | ||
| Q2 25 | $330.6M | $34.2M | ||
| Q1 25 | $329.3M | $34.2M | ||
| Q4 24 | $324.4M | $34.1M | ||
| Q3 24 | $321.7M | $34.1M | ||
| Q2 24 | $315.3M | $34.6M | ||
| Q1 24 | $314.2M | $38.7M |
总资产BCMLRFIL
| Q4 25 | $2.6B | $73.0M | ||
| Q3 25 | $2.6B | $73.2M | ||
| Q2 25 | $2.6B | $72.7M | ||
| Q1 25 | $2.6B | $70.4M | ||
| Q4 24 | $2.7B | $71.0M | ||
| Q3 24 | $2.6B | $71.9M | ||
| Q2 24 | $2.6B | $72.8M | ||
| Q1 24 | $2.6B | $79.1M |
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 | $2.1M |
| 自由现金流经营现金流 - 资本支出 | $30.1M | $2.0M |
| 自由现金流率自由现金流/营收 | 116.2% | 9.0% |
| 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× | 12.13× |
| 过去12个月自由现金流最近4个季度 | $51.1M | $4.3M |
8季度趋势，按日历期对齐
经营现金流BCMLRFIL
| Q4 25 | $31.8M | $2.1M | ||
| Q3 25 | $7.3M | $-311.0K | ||
| Q2 25 | $6.4M | $2.2M | ||
| Q1 25 | $9.3M | $601.0K | ||
| Q4 24 | $30.4M | $-244.0K | ||
| Q3 24 | $9.6M | $2.4M | ||
| Q2 24 | $7.7M | $197.0K | ||
| Q1 24 | $5.1M | $840.0K |
自由现金流BCMLRFIL
| Q4 25 | $30.1M | $2.0M | ||
| Q3 25 | $6.2M | $-419.0K | ||
| Q2 25 | $5.6M | $2.2M | ||
| Q1 25 | $9.1M | $574.0K | ||
| Q4 24 | $28.7M | $-418.0K | ||
| Q3 24 | $9.4M | $2.1M | ||
| Q2 24 | $7.4M | $28.0K | ||
| Q1 24 | $3.9M | $697.0K |
自由现金流率BCMLRFIL
| Q4 25 | 116.2% | 9.0% | ||
| Q3 25 | 24.3% | -2.1% | ||
| Q2 25 | 22.8% | 11.4% | ||
| Q1 25 | 37.6% | 3.0% | ||
| Q4 24 | 121.1% | -2.3% | ||
| Q3 24 | 36.6% | 12.6% | ||
| Q2 24 | 31.2% | 0.2% | ||
| Q1 24 | 16.1% | 5.2% |
资本支出强度BCMLRFIL
| Q4 25 | 6.7% | 0.3% | ||
| Q3 25 | 4.3% | 0.5% | ||
| Q2 25 | 3.0% | 0.2% | ||
| Q1 25 | 0.6% | 0.1% | ||
| Q4 24 | 7.2% | 0.9% | ||
| Q3 24 | 1.0% | 1.5% | ||
| Q2 24 | 1.0% | 1.0% | ||
| Q1 24 | 4.7% | 1.1% |
现金转化率BCMLRFIL
| Q4 25 | 4.64× | 12.13× | ||
| Q3 25 | 1.47× | -0.79× | ||
| 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
RFIL
| US | $20.9M | 92% |
| Non Us | $1.8M | 8% |
