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BayCom Corp（BCML）与ARS Pharmaceuticals, Inc.（SPRY）财务数据对比。点击上方公司名可切换其他公司
ARS Pharmaceuticals, Inc.的季度营收约是BayCom Corp的1.1倍（$28.1M vs $25.9M），BayCom Corp净利率更高（26.5% vs -147.1%，领先173.6%），BayCom Corp同比增速更快（9.4% vs -67.6%）
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。
ARS Pharmaceuticals是一家处于后期研发阶段的生物制药企业，专注于开发和商业化严重过敏反应创新疗法，核心产品为无需注射的肾上腺素鼻腔递送制剂，主要面向北美市场，服务存在致命过敏风险的成人及儿童患者群体。
BCML vs SPRY — 直观对比
营收规模更大
SPRY
是对方的1.1倍
$25.9M
营收增速更快
BCML
高出77.0%
-67.6%
净利率更高
BCML
高出173.6%
-147.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.9M | $28.1M |
| 净利润 | $6.9M | $-41.3M |
| 毛利率 | — | — |
| 营业利润率 | 36.6% | -147.6% |
| 净利率 | 26.5% | -147.1% |
| 营收同比 | 9.4% | -67.6% |
| 净利润同比 | 12.1% | -182.8% |
| 每股收益（稀释后） | $0.63 | $-0.41 |
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BCMLSPRY
| Q4 25 | $25.9M | $28.1M | ||
| Q3 25 | $25.7M | $32.5M | ||
| Q2 25 | $24.7M | $15.7M | ||
| Q1 25 | $24.3M | $8.0M | ||
| Q4 24 | $23.7M | $86.6M | ||
| Q3 24 | $25.6M | $2.1M | ||
| Q2 24 | $23.8M | $500.0K | ||
| Q1 24 | $24.5M | $0 |
净利润BCMLSPRY
| Q4 25 | $6.9M | $-41.3M | ||
| Q3 25 | $5.0M | $-51.2M | ||
| Q2 25 | $6.4M | $-44.9M | ||
| Q1 25 | $5.7M | $-33.9M | ||
| Q4 24 | $6.1M | $49.9M | ||
| Q3 24 | $6.0M | $-19.1M | ||
| Q2 24 | $5.6M | $-12.5M | ||
| Q1 24 | $5.9M | $-10.3M |
营业利润率BCMLSPRY
| Q4 25 | 36.6% | -147.6% | ||
| Q3 25 | 26.3% | -163.7% | ||
| Q2 25 | 35.3% | -302.9% | ||
| Q1 25 | 31.6% | -466.3% | ||
| Q4 24 | 34.2% | 54.5% | ||
| Q3 24 | 32.4% | -1051.6% | ||
| Q2 24 | 31.9% | -3068.0% | ||
| Q1 24 | 33.3% | — |
净利率BCMLSPRY
| Q4 25 | 26.5% | -147.1% | ||
| Q3 25 | 19.5% | -157.4% | ||
| Q2 25 | 25.8% | -285.6% | ||
| Q1 25 | 23.4% | -425.7% | ||
| Q4 24 | 25.9% | 57.7% | ||
| Q3 24 | 23.5% | -925.0% | ||
| Q2 24 | 23.6% | -2503.2% | ||
| Q1 24 | 24.0% | — |
每股收益（稀释后）BCMLSPRY
| Q4 25 | $0.63 | $-0.41 | ||
| Q3 25 | $0.46 | $-0.52 | ||
| Q2 25 | $0.58 | $-0.46 | ||
| Q1 25 | $0.51 | $-0.35 | ||
| Q4 24 | $0.55 | $0.52 | ||
| Q3 24 | $0.54 | $-0.20 | ||
| Q2 24 | $0.50 | $-0.13 | ||
| Q1 24 | $0.51 | $-0.11 |
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 | — | $245.0M |
| 总债务越低越好 | — | $96.4M |
| 股东权益账面价值 | $338.6M | $114.3M |
| 总资产 | $2.6B | $327.7M |
| 负债/权益比越低杠杆越低 | — | 0.84× |
8季度趋势，按日历期对齐
现金及短期投资BCMLSPRY
| Q4 25 | — | $245.0M | ||
| Q3 25 | — | $288.2M | ||
| Q2 25 | — | $240.1M | ||
| Q1 25 | — | $275.7M | ||
| Q4 24 | — | $314.0M | ||
| Q3 24 | — | $204.6M | ||
| Q2 24 | — | $218.7M | ||
| Q1 24 | — | $223.6M |
总债务BCMLSPRY
| Q4 25 | — | $96.4M | ||
| Q3 25 | — | $96.2M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $0 | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益BCMLSPRY
| Q4 25 | $338.6M | $114.3M | ||
| Q3 25 | $334.3M | $147.7M | ||
| Q2 25 | $330.6M | $192.3M | ||
| Q1 25 | $329.3M | $229.0M | ||
| Q4 24 | $324.4M | $256.8M | ||
| Q3 24 | $321.7M | $201.0M | ||
| Q2 24 | $315.3M | $215.2M | ||
| Q1 24 | $314.2M | $223.9M |
总资产BCMLSPRY
| Q4 25 | $2.6B | $327.7M | ||
| Q3 25 | $2.6B | $372.8M | ||
| Q2 25 | $2.6B | $313.5M | ||
| Q1 25 | $2.6B | $327.3M | ||
| Q4 24 | $2.7B | $351.2M | ||
| Q3 24 | $2.6B | $217.6M | ||
| Q2 24 | $2.6B | $222.0M | ||
| Q1 24 | $2.6B | $227.6M |
负债/权益比BCMLSPRY
| Q4 25 | — | 0.84× | ||
| Q3 25 | — | 0.65× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.00× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $-43.5M |
| 自由现金流经营现金流 - 资本支出 | $30.1M | — |
| 自由现金流率自由现金流/营收 | 116.2% | — |
| 资本支出强度资本支出/营收 | 6.7% | 0.0% |
| 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 | — |
8季度趋势，按日历期对齐
经营现金流BCMLSPRY
| Q4 25 | $31.8M | $-43.5M | ||
| Q3 25 | $7.3M | $-47.0M | ||
| Q2 25 | $6.4M | $-39.6M | ||
| Q1 25 | $9.3M | $-40.7M | ||
| Q4 24 | $30.4M | $42.0M | ||
| Q3 24 | $9.6M | $-14.5M | ||
| Q2 24 | $7.7M | $-7.3M | ||
| Q1 24 | $5.1M | $-6.7M |
自由现金流BCMLSPRY
| Q4 25 | $30.1M | — | ||
| Q3 25 | $6.2M | $-47.2M | ||
| Q2 25 | $5.6M | $-39.6M | ||
| Q1 25 | $9.1M | $-40.8M | ||
| Q4 24 | $28.7M | $41.7M | ||
| Q3 24 | $9.4M | $-14.6M | ||
| Q2 24 | $7.4M | $-7.3M | ||
| Q1 24 | $3.9M | $-6.8M |
自由现金流率BCMLSPRY
| Q4 25 | 116.2% | — | ||
| Q3 25 | 24.3% | -145.4% | ||
| Q2 25 | 22.8% | -252.2% | ||
| Q1 25 | 37.6% | -512.1% | ||
| Q4 24 | 121.1% | 48.2% | ||
| Q3 24 | 36.6% | -706.3% | ||
| Q2 24 | 31.2% | -1463.4% | ||
| Q1 24 | 16.1% | — |
资本支出强度BCMLSPRY
| Q4 25 | 6.7% | 0.0% | ||
| Q3 25 | 4.3% | 0.6% | ||
| Q2 25 | 3.0% | 0.3% | ||
| Q1 25 | 0.6% | 1.1% | ||
| Q4 24 | 7.2% | 0.3% | ||
| Q3 24 | 1.0% | 6.8% | ||
| Q2 24 | 1.0% | 7.6% | ||
| Q1 24 | 4.7% | — |
现金转化率BCMLSPRY
| Q4 25 | 4.64× | — | ||
| Q3 25 | 1.47× | — | ||
| Q2 25 | 1.00× | — | ||
| Q1 25 | 1.63× | — | ||
| Q4 24 | 4.96× | 0.84× | ||
| 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
SPRY
| Products | $20.3M | 72% |
| Other | $7.8M | 28% |
