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BayCom Corp（BCML）与Star Holdings（STHO）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Star Holdings的1.0倍（$25.9M vs $25.4M），BayCom Corp净利率更高（26.5% vs -75.5%，领先102.0%），BayCom Corp同比增速更快（9.4% vs -22.6%），过去两年BayCom Corp的营收复合增速更高（2.9% vs -0.2%）
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。
蓝星有限公司是一家印度跨国家电企业，总部位于孟买，主营空调、商用制冷以及机电工程业务，是印度本土市场规模第二大的空调领域本土企业。
BCML vs STHO — 直观对比
营收规模更大
BCML
是对方的1.0倍
$25.4M
营收增速更快
BCML
高出32.0%
-22.6%
净利率更高
BCML
高出102.0%
-75.5%
两年增速更快
BCML
近两年复合增速
-0.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.9M | $25.4M |
| 净利润 | $6.9M | $-19.1M |
| 毛利率 | — | — |
| 营业利润率 | 36.6% | -91.7% |
| 净利率 | 26.5% | -75.5% |
| 营收同比 | 9.4% | -22.6% |
| 净利润同比 | 12.1% | 81.3% |
| 每股收益（稀释后） | $0.63 | $-1.52 |
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BCMLSTHO
| Q4 25 | $25.9M | $25.4M | ||
| Q3 25 | $25.7M | $28.1M | ||
| Q2 25 | $24.7M | $42.1M | ||
| Q1 25 | $24.3M | $14.6M | ||
| Q4 24 | $23.7M | $32.8M | ||
| Q3 24 | $25.6M | $24.6M | ||
| Q2 24 | $23.8M | $30.6M | ||
| Q1 24 | $24.5M | $25.4M |
净利润BCMLSTHO
| Q4 25 | $6.9M | $-19.1M | ||
| Q3 25 | $5.0M | $1.8M | ||
| Q2 25 | $6.4M | $-39.3M | ||
| Q1 25 | $5.7M | $-7.6M | ||
| Q4 24 | $6.1M | $-102.6M | ||
| Q3 24 | $6.0M | $91.9M | ||
| Q2 24 | $5.6M | $-27.1M | ||
| Q1 24 | $5.9M | $-49.0M |
营业利润率BCMLSTHO
| Q4 25 | 36.6% | -91.7% | ||
| Q3 25 | 26.3% | 1.0% | ||
| Q2 25 | 35.3% | -94.5% | ||
| Q1 25 | 31.6% | -55.0% | ||
| Q4 24 | 34.2% | -314.1% | ||
| Q3 24 | 32.4% | — | ||
| Q2 24 | 31.9% | -91.5% | ||
| Q1 24 | 33.3% | -192.6% |
净利率BCMLSTHO
| Q4 25 | 26.5% | -75.5% | ||
| Q3 25 | 19.5% | 6.4% | ||
| Q2 25 | 25.8% | -93.5% | ||
| Q1 25 | 23.4% | -52.0% | ||
| Q4 24 | 25.9% | -313.1% | ||
| Q3 24 | 23.5% | 374.3% | ||
| Q2 24 | 23.6% | -88.8% | ||
| Q1 24 | 24.0% | -192.6% |
每股收益（稀释后）BCMLSTHO
| Q4 25 | $0.63 | $-1.52 | ||
| Q3 25 | $0.46 | $0.14 | ||
| Q2 25 | $0.58 | $-2.95 | ||
| Q1 25 | $0.51 | $-0.57 | ||
| Q4 24 | $0.55 | $-7.69 | ||
| Q3 24 | $0.54 | $6.90 | ||
| Q2 24 | $0.50 | $-2.04 | ||
| Q1 24 | $0.51 | $-3.68 |
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 | — | $50.1M |
| 总债务越低越好 | — | $268.7M |
| 股东权益账面价值 | $338.6M | $251.8M |
| 总资产 | $2.6B | $570.2M |
| 负债/权益比越低杠杆越低 | — | 1.07× |
8季度趋势，按日历期对齐
现金及短期投资BCMLSTHO
| Q4 25 | — | $50.1M | ||
| Q3 25 | — | $40.6M | ||
| Q2 25 | — | $44.2M | ||
| Q1 25 | — | $30.3M | ||
| Q4 24 | — | $35.0M | ||
| Q3 24 | — | $45.0M | ||
| Q2 24 | — | $48.3M | ||
| Q1 24 | — | $45.7M |
总债务BCMLSTHO
| Q4 25 | — | $268.7M | ||
| Q3 25 | — | $259.3M | ||
| Q2 25 | — | $245.4M | ||
| Q1 25 | — | $231.5M | ||
| Q4 24 | — | $217.3M | ||
| Q3 24 | — | $201.2M | ||
| Q2 24 | — | $197.2M | ||
| Q1 24 | — | $195.0M |
股东权益BCMLSTHO
| Q4 25 | $338.6M | $251.8M | ||
| Q3 25 | $334.3M | $275.4M | ||
| Q2 25 | $330.6M | $276.1M | ||
| Q1 25 | $329.3M | $316.1M | ||
| Q4 24 | $324.4M | $324.3M | ||
| Q3 24 | $321.7M | $427.5M | ||
| Q2 24 | $315.3M | $335.3M | ||
| Q1 24 | $314.2M | $362.4M |
总资产BCMLSTHO
| Q4 25 | $2.6B | $570.2M | ||
| Q3 25 | $2.6B | $595.9M | ||
| Q2 25 | $2.6B | $589.9M | ||
| Q1 25 | $2.6B | $618.2M | ||
| Q4 24 | $2.7B | $608.7M | ||
| Q3 24 | $2.6B | $696.5M | ||
| Q2 24 | $2.6B | $601.0M | ||
| Q1 24 | $2.6B | $622.9M |
负债/权益比BCMLSTHO
| Q4 25 | — | 1.07× | ||
| Q3 25 | — | 0.94× | ||
| Q2 25 | — | 0.89× | ||
| Q1 25 | — | 0.73× | ||
| Q4 24 | — | 0.67× | ||
| Q3 24 | — | 0.47× | ||
| Q2 24 | — | 0.59× | ||
| Q1 24 | — | 0.54× |
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 | $-11.7M |
| 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% | — |
| 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BCMLSTHO
| Q4 25 | $31.8M | $-11.7M | ||
| Q3 25 | $7.3M | $5.3M | ||
| Q2 25 | $6.4M | $-2.6M | ||
| Q1 25 | $9.3M | $-6.3M | ||
| Q4 24 | $30.4M | $-31.3M | ||
| Q3 24 | $9.6M | $-3.8M | ||
| Q2 24 | $7.7M | $-6.4M | ||
| Q1 24 | $5.1M | $-14.2M |
自由现金流BCMLSTHO
| Q4 25 | $30.1M | — | ||
| Q3 25 | $6.2M | — | ||
| Q2 25 | $5.6M | — | ||
| Q1 25 | $9.1M | — | ||
| Q4 24 | $28.7M | — | ||
| Q3 24 | $9.4M | — | ||
| Q2 24 | $7.4M | — | ||
| Q1 24 | $3.9M | — |
自由现金流率BCMLSTHO
| Q4 25 | 116.2% | — | ||
| Q3 25 | 24.3% | — | ||
| Q2 25 | 22.8% | — | ||
| Q1 25 | 37.6% | — | ||
| Q4 24 | 121.1% | — | ||
| Q3 24 | 36.6% | — | ||
| Q2 24 | 31.2% | — | ||
| Q1 24 | 16.1% | — |
资本支出强度BCMLSTHO
| Q4 25 | 6.7% | — | ||
| Q3 25 | 4.3% | — | ||
| Q2 25 | 3.0% | — | ||
| Q1 25 | 0.6% | — | ||
| Q4 24 | 7.2% | — | ||
| Q3 24 | 1.0% | — | ||
| Q2 24 | 1.0% | — | ||
| Q1 24 | 4.7% | — |
现金转化率BCMLSTHO
| Q4 25 | 4.64× | — | ||
| Q3 25 | 1.47× | 2.95× | ||
| Q2 25 | 1.00× | — | ||
| Q1 25 | 1.63× | — | ||
| Q4 24 | 4.96× | — | ||
| Q3 24 | 1.60× | -0.04× | ||
| 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
STHO
| Land Development | $13.0M | 51% |
| Other Income Revenue | $9.3M | 37% |
| Operating Lease Income | $2.0M | 8% |
| Other | $1.2M | 5% |
