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Community West Bancshares（CWBC）与STEM, INC.（STEM）财务数据对比。点击上方公司名可切换其他公司
STEM, INC.的季度营收约是Community West Bancshares的1.2倍（$47.1M vs $38.3M），Community West Bancshares同比增速更快（11.6% vs -15.6%），过去两年STEM, INC.的营收复合增速更高（36.1% vs 36.0%）
Community West Bancshares是一家总部位于美国加利福尼亚州的注册银行控股公司，依据银行控股公司相关法案全资持有Community West Bank，开展银行相关控股经营业务。
该公司是一家公开上市的生物制药企业，总部位于加利福尼亚州纽瓦克，专注研发纯化人类神经干细胞，旨在治疗中枢神经系统疾病与瘫痪，其所研发的神经干细胞可分化为中枢神经系统的神经元、星形胶质细胞与少突胶质细胞这三大主要细胞类型。
CWBC vs STEM — 直观对比
营收规模更大
STEM
是对方的1.2倍
$38.3M
营收增速更快
CWBC
高出27.1%
-15.6%
两年增速更快
STEM
近两年复合增速
36.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $38.3M | $47.1M |
| 净利润 | — | $-16.0M |
| 毛利率 | — | 48.9% |
| 营业利润率 | 40.0% | -17.7% |
| 净利率 | — | -33.9% |
| 营收同比 | 11.6% | -15.6% |
| 净利润同比 | — | 68.8% |
| 每股收益（稀释后） | $0.58 | $-4.40 |
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CWBCSTEM
| Q4 25 | $38.3M | $47.1M | ||
| Q3 25 | $37.9M | $38.2M | ||
| Q2 25 | $35.7M | $38.4M | ||
| Q1 25 | $34.8M | $32.5M | ||
| Q4 24 | $34.3M | $55.8M | ||
| Q3 24 | $31.3M | $29.3M | ||
| Q2 24 | $30.5M | $34.0M | ||
| Q1 24 | $20.7M | $25.5M |
净利润CWBCSTEM
| Q4 25 | — | $-16.0M | ||
| Q3 25 | $10.9M | $-23.8M | ||
| Q2 25 | $7.8M | $202.5M | ||
| Q1 25 | $8.3M | $-25.0M | ||
| Q4 24 | — | $-51.1M | ||
| Q3 24 | $3.4M | $-148.3M | ||
| Q2 24 | $-6.3M | $-582.3M | ||
| Q1 24 | $3.7M | $-72.3M |
毛利率CWBCSTEM
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | -95.0% |
营业利润率CWBCSTEM
| Q4 25 | 40.0% | -17.7% | ||
| Q3 25 | 39.8% | -33.6% | ||
| Q2 25 | 30.2% | -34.8% | ||
| Q1 25 | 32.7% | -65.0% | ||
| Q4 24 | 31.0% | -84.4% | ||
| Q3 24 | 13.3% | -493.2% | ||
| Q2 24 | -25.9% | -1705.5% | ||
| Q1 24 | 23.2% | -267.0% |
净利率CWBCSTEM
| Q4 25 | — | -33.9% | ||
| Q3 25 | 28.7% | -62.2% | ||
| Q2 25 | 22.0% | 527.8% | ||
| Q1 25 | 23.8% | -76.9% | ||
| Q4 24 | — | -91.6% | ||
| Q3 24 | 10.8% | -506.3% | ||
| Q2 24 | -20.7% | -1712.6% | ||
| Q1 24 | 17.8% | -283.9% |
每股收益（稀释后）CWBCSTEM
| Q4 25 | $0.58 | $-4.40 | ||
| Q3 25 | $0.57 | $-2.84 | ||
| Q2 25 | $0.41 | $-1.79 | ||
| Q1 25 | $0.44 | $-0.15 | ||
| Q4 24 | $0.29 | $-15.29 | ||
| Q3 24 | $0.18 | $-18.24 | ||
| Q2 24 | $-0.33 | $-71.81 | ||
| Q1 24 | $0.31 | $-0.46 |
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 | $119.0M | $48.9M |
| 总债务越低越好 | $69.5M | — |
| 股东权益账面价值 | $409.6M | $-249.4M |
| 总资产 | $3.7B | $308.9M |
| 负债/权益比越低杠杆越低 | 0.17× | — |
8季度趋势，按日历期对齐
现金及短期投资CWBCSTEM
| Q4 25 | $119.0M | $48.9M | ||
| Q3 25 | $121.6M | $43.1M | ||
| Q2 25 | $134.4M | $40.8M | ||
| Q1 25 | $148.4M | $58.6M | ||
| Q4 24 | $120.4M | $56.3M | ||
| Q3 24 | $149.0M | $75.4M | ||
| Q2 24 | $109.7M | $89.6M | ||
| Q1 24 | $61.0M | $112.8M |
总债务CWBCSTEM
| Q4 25 | $69.5M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $69.9M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益CWBCSTEM
| Q4 25 | $409.6M | $-249.4M | ||
| Q3 25 | $397.6M | $-235.7M | ||
| Q2 25 | $380.0M | $-214.1M | ||
| Q1 25 | $372.2M | $-417.5M | ||
| Q4 24 | $362.7M | $-398.4M | ||
| Q3 24 | $363.5M | $-344.1M | ||
| Q2 24 | $350.2M | $-203.2M | ||
| Q1 24 | $211.7M | $371.6M |
总资产CWBCSTEM
| Q4 25 | $3.7B | $308.9M | ||
| Q3 25 | $3.6B | $362.6M | ||
| Q2 25 | $3.6B | $379.2M | ||
| Q1 25 | $3.6B | $405.1M | ||
| Q4 24 | $3.5B | $437.4M | ||
| Q3 24 | $3.5B | $537.8M | ||
| Q2 24 | $3.5B | $691.5M | ||
| Q1 24 | $2.4B | $1.3B |
负债/权益比CWBCSTEM
| Q4 25 | 0.17× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.19× | — | ||
| 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 | $46.1M | $8.2M |
| 自由现金流经营现金流 - 资本支出 | $43.6M | — |
| 自由现金流率自由现金流/营收 | 113.9% | — |
| 资本支出强度资本支出/营收 | 6.6% | — |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | $77.7M | — |
8季度趋势，按日历期对齐
经营现金流CWBCSTEM
| Q4 25 | $46.1M | $8.2M | ||
| Q3 25 | $13.2M | $11.4M | ||
| Q2 25 | $11.5M | $-21.3M | ||
| Q1 25 | $11.1M | $8.5M | ||
| Q4 24 | $22.2M | $-14.7M | ||
| Q3 24 | $7.8M | $-9.4M | ||
| Q2 24 | $5.2M | $-11.9M | ||
| Q1 24 | $4.0M | $-621.0K |
自由现金流CWBCSTEM
| Q4 25 | $43.6M | — | ||
| Q3 25 | $12.8M | — | ||
| Q2 25 | $10.6M | — | ||
| Q1 25 | $10.8M | — | ||
| Q4 24 | $17.2M | — | ||
| Q3 24 | $5.2M | — | ||
| Q2 24 | $4.8M | — | ||
| Q1 24 | $3.6M | — |
自由现金流率CWBCSTEM
| Q4 25 | 113.9% | — | ||
| Q3 25 | 33.7% | — | ||
| Q2 25 | 29.6% | — | ||
| Q1 25 | 30.9% | — | ||
| Q4 24 | 50.0% | — | ||
| Q3 24 | 16.7% | — | ||
| Q2 24 | 15.7% | — | ||
| Q1 24 | 17.3% | — |
资本支出强度CWBCSTEM
| Q4 25 | 6.6% | — | ||
| Q3 25 | 1.1% | — | ||
| Q2 25 | 2.7% | — | ||
| Q1 25 | 0.9% | — | ||
| Q4 24 | 14.7% | — | ||
| Q3 24 | 8.1% | — | ||
| Q2 24 | 1.4% | — | ||
| Q1 24 | 2.1% | — |
现金转化率CWBCSTEM
| Q4 25 | — | — | ||
| Q3 25 | 1.21× | — | ||
| Q2 25 | 1.47× | -0.11× | ||
| Q1 25 | 1.33× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.29× | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 1.09× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
