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BayCom Corp（BCML）与Rumble Inc.（RUM）财务数据对比。点击上方公司名可切换其他公司
Rumble Inc.的季度营收约是BayCom Corp的1.0倍（$27.1M vs $25.9M），BayCom Corp净利率更高（26.5% vs -120.8%，领先147.3%），BayCom Corp同比增速更快（9.4% vs -10.5%），BayCom Corp自由现金流更多（$30.1M vs $-31.7M），过去两年Rumble Inc.的营收复合增速更高（15.2% 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。
Rumble Inc.是一家加美跨国企业，主营在线视频平台、网络托管及云服务，总部位于加拿大多伦多，美国总部设在佛罗里达州朗博特基。公司由加拿大科技创业者克里斯·帕夫洛夫斯基于2013年创立，云服务板块为Truth Social提供托管支持，其视频平台在美国保守派及极右翼用户群体中广受欢迎，属于“另类科技”阵营。
BCML vs RUM — 直观对比
营收规模更大
RUM
是对方的1.0倍
$25.9M
营收增速更快
BCML
高出19.9%
-10.5%
净利率更高
BCML
高出147.3%
-120.8%
自由现金流更多
BCML
多$61.8M
$-31.7M
两年增速更快
RUM
近两年复合增速
2.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.9M | $27.1M |
| 净利润 | $6.9M | $-32.7M |
| 毛利率 | — | 5.5% |
| 营业利润率 | 36.6% | -131.1% |
| 净利率 | 26.5% | -120.8% |
| 营收同比 | 9.4% | -10.5% |
| 净利润同比 | 12.1% | 86.2% |
| 每股收益（稀释后） | $0.63 | $-0.13 |
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BCMLRUM
| Q4 25 | $25.9M | $27.1M | ||
| Q3 25 | $25.7M | $24.8M | ||
| Q2 25 | $24.7M | — | ||
| Q1 25 | $24.3M | $23.7M | ||
| Q4 24 | $23.7M | $30.2M | ||
| Q3 24 | $25.6M | $25.1M | ||
| Q2 24 | $23.8M | $22.5M | ||
| Q1 24 | $24.5M | $17.7M |
净利润BCMLRUM
| Q4 25 | $6.9M | $-32.7M | ||
| Q3 25 | $5.0M | $-16.3M | ||
| Q2 25 | $6.4M | — | ||
| Q1 25 | $5.7M | $-2.7M | ||
| Q4 24 | $6.1M | $-236.8M | ||
| Q3 24 | $6.0M | $-31.5M | ||
| Q2 24 | $5.6M | $-26.8M | ||
| Q1 24 | $5.9M | $-43.3M |
毛利率BCMLRUM
| Q4 25 | — | 5.5% | ||
| Q3 25 | — | -1.8% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | -26.7% | ||
| Q4 24 | — | -14.2% | ||
| Q3 24 | — | -45.4% | ||
| Q2 24 | — | -58.8% | ||
| Q1 24 | — | -79.5% |
营业利润率BCMLRUM
| Q4 25 | 36.6% | -131.1% | ||
| Q3 25 | 26.3% | -113.6% | ||
| Q2 25 | 35.3% | — | ||
| Q1 25 | 31.6% | -153.5% | ||
| Q4 24 | 34.2% | -80.1% | ||
| Q3 24 | 32.4% | -131.0% | ||
| Q2 24 | 31.9% | -172.7% | ||
| Q1 24 | 33.3% | -197.4% |
净利率BCMLRUM
| Q4 25 | 26.5% | -120.8% | ||
| Q3 25 | 19.5% | -65.7% | ||
| Q2 25 | 25.8% | — | ||
| Q1 25 | 23.4% | -11.2% | ||
| Q4 24 | 25.9% | -783.2% | ||
| Q3 24 | 23.5% | -125.9% | ||
| Q2 24 | 23.6% | -119.2% | ||
| Q1 24 | 24.0% | -244.1% |
每股收益（稀释后）BCMLRUM
| Q4 25 | $0.63 | $-0.13 | ||
| Q3 25 | $0.46 | $-0.06 | ||
| Q2 25 | $0.58 | — | ||
| Q1 25 | $0.51 | $-0.01 | ||
| Q4 24 | $0.55 | $-1.17 | ||
| Q3 24 | $0.54 | $-0.15 | ||
| Q2 24 | $0.50 | $-0.13 | ||
| Q1 24 | $0.51 | $-0.21 |
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 | — | $237.9M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $338.6M | $274.8M |
| 总资产 | $2.6B | $336.8M |
| 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BCMLRUM
| Q4 25 | — | $237.9M | ||
| Q3 25 | — | $269.8M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $301.3M | ||
| Q4 24 | — | $114.0M | ||
| Q3 24 | — | $132.0M | ||
| Q2 24 | — | $154.2M | ||
| Q1 24 | — | $183.8M |
股东权益BCMLRUM
| Q4 25 | $338.6M | $274.8M | ||
| Q3 25 | $334.3M | $302.2M | ||
| Q2 25 | $330.6M | — | ||
| Q1 25 | $329.3M | $339.6M | ||
| Q4 24 | $324.4M | $-63.1M | ||
| Q3 24 | $321.7M | $166.1M | ||
| Q2 24 | $315.3M | $192.7M | ||
| Q1 24 | $314.2M | $210.7M |
总资产BCMLRUM
| Q4 25 | $2.6B | $336.8M | ||
| Q3 25 | $2.6B | $367.2M | ||
| Q2 25 | $2.6B | — | ||
| Q1 25 | $2.6B | $391.1M | ||
| Q4 24 | $2.7B | $195.3M | ||
| Q3 24 | $2.6B | $217.2M | ||
| Q2 24 | $2.6B | $243.2M | ||
| Q1 24 | $2.6B | $263.0M |
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 | $-29.4M |
| 自由现金流经营现金流 - 资本支出 | $30.1M | $-31.7M |
| 自由现金流率自由现金流/营收 | 116.2% | -117.2% |
| 资本支出强度资本支出/营收 | 6.7% | 8.5% |
| 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 | $-70.8M |
8季度趋势，按日历期对齐
经营现金流BCMLRUM
| Q4 25 | $31.8M | $-29.4M | ||
| Q3 25 | $7.3M | $-10.6M | ||
| Q2 25 | $6.4M | — | ||
| Q1 25 | $9.3M | $-14.5M | ||
| Q4 24 | $30.4M | $-12.4M | ||
| Q3 24 | $9.6M | $-19.1M | ||
| Q2 24 | $7.7M | $-21.7M | ||
| Q1 24 | $5.1M | $-33.9M |
自由现金流BCMLRUM
| Q4 25 | $30.1M | $-31.7M | ||
| Q3 25 | $6.2M | $-12.0M | ||
| Q2 25 | $5.6M | — | ||
| Q1 25 | $9.1M | $-14.6M | ||
| Q4 24 | $28.7M | $-12.4M | ||
| Q3 24 | $9.4M | $-19.9M | ||
| Q2 24 | $7.4M | $-23.1M | ||
| Q1 24 | $3.9M | $-34.3M |
自由现金流率BCMLRUM
| Q4 25 | 116.2% | -117.2% | ||
| Q3 25 | 24.3% | -48.6% | ||
| Q2 25 | 22.8% | — | ||
| Q1 25 | 37.6% | -61.7% | ||
| Q4 24 | 121.1% | -40.9% | ||
| Q3 24 | 36.6% | -79.5% | ||
| Q2 24 | 31.2% | -102.8% | ||
| Q1 24 | 16.1% | -193.3% |
资本支出强度BCMLRUM
| Q4 25 | 6.7% | 8.5% | ||
| Q3 25 | 4.3% | 5.7% | ||
| Q2 25 | 3.0% | — | ||
| Q1 25 | 0.6% | 0.6% | ||
| Q4 24 | 7.2% | 0.1% | ||
| Q3 24 | 1.0% | 3.4% | ||
| Q2 24 | 1.0% | 6.1% | ||
| Q1 24 | 4.7% | 2.4% |
现金转化率BCMLRUM
| 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
RUM
| Audience Monetization | $23.8M | 88% |
| Other Initiatives | $3.3M | 12% |
