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BayCom Corp（BCML）与Spire Global, Inc.（SPIR）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Spire Global, Inc.的1.6倍（$25.9M vs $15.8M），BayCom Corp净利率更高（26.5% vs -176.6%，领先203.1%），BayCom Corp同比增速更快（9.4% vs -26.9%），BayCom Corp自由现金流更多（$30.1M vs $-16.2M），过去两年BayCom Corp的营收复合增速更高（2.9% vs -32.6%）
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。
Spire Global, Inc.是一家天基云数据与分析服务企业，核心业务依托由大量纳米卫星组成的卫星星座，提供覆盖全球的多领域数据集追踪服务，具体包含船舶航运追踪、航空航行监控以及气象模式观测等相关业务，服务覆盖全球范围。
BCML vs SPIR — 直观对比
营收规模更大
BCML
是对方的1.6倍
$15.8M
营收增速更快
BCML
高出36.4%
-26.9%
净利率更高
BCML
高出203.1%
-176.6%
自由现金流更多
BCML
多$46.2M
$-16.2M
两年增速更快
BCML
近两年复合增速
-32.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.9M | $15.8M |
| 净利润 | $6.9M | $-28.0M |
| 毛利率 | — | 40.2% |
| 营业利润率 | 36.6% | -164.1% |
| 净利率 | 26.5% | -176.6% |
| 营收同比 | 9.4% | -26.9% |
| 净利润同比 | 12.1% | 42.7% |
| 每股收益（稀释后） | $0.63 | $-0.85 |
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BCMLSPIR
| Q4 25 | $25.9M | $15.8M | ||
| Q3 25 | $25.7M | $12.7M | ||
| Q2 25 | $24.7M | $19.2M | ||
| Q1 25 | $24.3M | $23.9M | ||
| Q4 24 | $23.7M | $21.7M | ||
| Q3 24 | $25.6M | $28.6M | ||
| Q2 24 | $23.8M | $25.4M | ||
| Q1 24 | $24.5M | $34.8M |
净利润BCMLSPIR
| Q4 25 | $6.9M | $-28.0M | ||
| Q3 25 | $5.0M | $-19.7M | ||
| Q2 25 | $6.4M | $119.6M | ||
| Q1 25 | $5.7M | $-20.7M | ||
| Q4 24 | $6.1M | $-48.8M | ||
| Q3 24 | $6.0M | $-12.5M | ||
| Q2 24 | $5.6M | $-16.6M | ||
| Q1 24 | $5.9M | $-25.5M |
毛利率BCMLSPIR
| Q4 25 | — | 40.2% | ||
| Q3 25 | — | 36.6% | ||
| Q2 25 | — | 48.9% | ||
| Q1 25 | — | 36.8% | ||
| Q4 24 | — | 32.4% | ||
| Q3 24 | — | 44.5% | ||
| Q2 24 | — | 43.0% | ||
| Q1 24 | — | 26.5% |
营业利润率BCMLSPIR
| Q4 25 | 36.6% | -164.1% | ||
| Q3 25 | 26.3% | -166.1% | ||
| Q2 25 | 35.3% | -122.7% | ||
| Q1 25 | 31.6% | -106.5% | ||
| Q4 24 | 34.2% | -144.1% | ||
| Q3 24 | 32.4% | -48.0% | ||
| Q2 24 | 31.9% | -48.6% | ||
| Q1 24 | 33.3% | -34.4% |
净利率BCMLSPIR
| Q4 25 | 26.5% | -176.6% | ||
| Q3 25 | 19.5% | -155.3% | ||
| Q2 25 | 25.8% | 623.4% | ||
| Q1 25 | 23.4% | -86.5% | ||
| Q4 24 | 25.9% | -225.2% | ||
| Q3 24 | 23.5% | -43.7% | ||
| Q2 24 | 23.6% | -65.2% | ||
| Q1 24 | 24.0% | -73.3% |
每股收益（稀释后）BCMLSPIR
| Q4 25 | $0.63 | $-0.85 | ||
| Q3 25 | $0.46 | $-0.61 | ||
| Q2 25 | $0.58 | $3.72 | ||
| Q1 25 | $0.51 | $-0.77 | ||
| Q4 24 | $0.55 | $-1.93 | ||
| Q3 24 | $0.54 | $-0.50 | ||
| Q2 24 | $0.50 | $-0.68 | ||
| Q1 24 | $0.51 | $-1.17 |
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 | — | $81.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $338.6M | $112.9M |
| 总资产 | $2.6B | $211.0M |
| 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BCMLSPIR
| Q4 25 | — | $81.8M | ||
| Q3 25 | — | $96.8M | ||
| Q2 25 | — | $117.6M | ||
| Q1 25 | — | $35.9M | ||
| Q4 24 | — | $19.2M | ||
| Q3 24 | — | $36.6M | ||
| Q2 24 | — | $45.8M | ||
| Q1 24 | — | $63.7M |
总债务BCMLSPIR
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $103.7M | ||
| Q4 24 | — | $103.1M | ||
| Q3 24 | — | $4.9M | ||
| Q2 24 | — | $4.9M | ||
| Q1 24 | — | $123.1M |
股东权益BCMLSPIR
| Q4 25 | $338.6M | $112.9M | ||
| Q3 25 | $334.3M | $133.1M | ||
| Q2 25 | $330.6M | $149.2M | ||
| Q1 25 | $329.3M | $3.7M | ||
| Q4 24 | $324.4M | $-11.7M | ||
| Q3 24 | $321.7M | $30.8M | ||
| Q2 24 | $315.3M | $40.3M | ||
| Q1 24 | $314.2M | $52.5M |
总资产BCMLSPIR
| Q4 25 | $2.6B | $211.0M | ||
| Q3 25 | $2.6B | $224.3M | ||
| Q2 25 | $2.6B | $239.5M | ||
| Q1 25 | $2.6B | $208.8M | ||
| Q4 24 | $2.7B | $193.6M | ||
| Q3 24 | $2.6B | $224.2M | ||
| Q2 24 | $2.6B | $230.8M | ||
| Q1 24 | $2.6B | $252.3M |
负债/权益比BCMLSPIR
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 27.92× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.16× | ||
| Q2 24 | — | 0.12× | ||
| Q1 24 | — | 2.35× |
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 | $-16.2M |
| 自由现金流率自由现金流/营收 | 116.2% | -102.1% |
| 资本支出强度资本支出/营收 | 6.7% | 75.1% |
| 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 | $-92.6M |
8季度趋势，按日历期对齐
经营现金流BCMLSPIR
| Q4 25 | $31.8M | $-4.3M | ||
| Q3 25 | $7.3M | $-12.0M | ||
| Q2 25 | $6.4M | $-35.1M | ||
| Q1 25 | $9.3M | $-8.4M | ||
| Q4 24 | $30.4M | $-19.2M | ||
| Q3 24 | $9.6M | $14.0M | ||
| Q2 24 | $7.7M | $-4.4M | ||
| Q1 24 | $5.1M | $-8.8M |
自由现金流BCMLSPIR
| Q4 25 | $30.1M | $-16.2M | ||
| Q3 25 | $6.2M | $-20.4M | ||
| Q2 25 | $5.6M | $-38.7M | ||
| Q1 25 | $9.1M | $-17.3M | ||
| Q4 24 | $28.7M | $-24.3M | ||
| Q3 24 | $9.4M | $5.1M | ||
| Q2 24 | $7.4M | $-9.9M | ||
| Q1 24 | $3.9M | $-15.9M |
自由现金流率BCMLSPIR
| Q4 25 | 116.2% | -102.1% | ||
| Q3 25 | 24.3% | -161.3% | ||
| Q2 25 | 22.8% | -201.7% | ||
| Q1 25 | 37.6% | -72.6% | ||
| Q4 24 | 121.1% | -112.2% | ||
| Q3 24 | 36.6% | 17.8% | ||
| Q2 24 | 31.2% | -39.0% | ||
| Q1 24 | 16.1% | -45.7% |
资本支出强度BCMLSPIR
| Q4 25 | 6.7% | 75.1% | ||
| Q3 25 | 4.3% | 66.2% | ||
| Q2 25 | 3.0% | 18.8% | ||
| Q1 25 | 0.6% | 37.3% | ||
| Q4 24 | 7.2% | 23.5% | ||
| Q3 24 | 1.0% | 31.2% | ||
| Q2 24 | 1.0% | 21.8% | ||
| Q1 24 | 4.7% | 20.3% |
现金转化率BCMLSPIR
| Q4 25 | 4.64× | — | ||
| Q3 25 | 1.47× | — | ||
| Q2 25 | 1.00× | -0.29× | ||
| 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
