vs
Jefferson Capital, Inc.（JCAP）与PLUMAS BANCORP（PLBC）财务数据对比。点击上方公司名可切换其他公司
Jefferson Capital, Inc.的季度营收约是PLUMAS BANCORP的5.8倍（$150.8M vs $25.9M）。Jefferson Capital, Inc.自由现金流更多（$63.0M vs $6.1M）
GE金融曾是通用电气旗下的金融服务分支，2013年至2021年间，其旗下多个业务单元陆续被出售，其中北美消费金融业务分拆为 Synchrony Financial 最为知名，最终仅保留GE能源金融服务部门，通用电气拆分后该部门被划归GE Vernova。
Plumas Bancorp是一家美国银行控股公司，通过旗下子公司Plumas Bank开展业务，为加利福尼亚州北部及内华达州的个人客户、中小企业和本地社区机构提供存款、各类贷款、财富管理等综合零售及商业银行服务。
JCAP vs PLBC — 直观对比
营收规模更大
JCAP
是对方的5.8倍
$25.9M
自由现金流更多
JCAP
多$56.9M
$6.1M
损益表 — Q3 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $150.8M | $25.9M |
| 净利润 | $38.4M | — |
| 毛利率 | — | — |
| 营业利润率 | 46.4% | 54.0% |
| 净利率 | 25.4% | — |
| 营收同比 | — | 36.5% |
| 净利润同比 | — | — |
| 每股收益（稀释后） | $0.59 | $1.56 |
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JCAPPLBC
| Q4 25 | — | $25.9M | ||
| Q3 25 | $150.8M | $816.0K | ||
| Q2 25 | $152.7M | $781.0K | ||
| Q1 25 | — | $705.0K | ||
| Q4 24 | — | $19.0M | ||
| Q3 24 | — | $766.0K | ||
| Q2 24 | — | $743.0K | ||
| Q1 24 | — | $715.0K |
净利润JCAPPLBC
| Q4 25 | — | — | ||
| Q3 25 | $38.4M | $5.1M | ||
| Q2 25 | $47.7M | $6.3M | ||
| Q1 25 | — | $7.2M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $7.8M | ||
| Q2 24 | — | $6.8M | ||
| Q1 24 | — | $6.3M |
营业利润率JCAPPLBC
| Q4 25 | — | 54.0% | ||
| Q3 25 | 46.4% | — | ||
| Q2 25 | 56.7% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 56.2% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
净利率JCAPPLBC
| Q4 25 | — | — | ||
| Q3 25 | 25.4% | 630.6% | ||
| Q2 25 | 31.2% | 809.3% | ||
| Q1 25 | — | 1018.4% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 1022.2% | ||
| Q2 24 | — | 913.3% | ||
| Q1 24 | — | 874.7% |
每股收益（稀释后）JCAPPLBC
| Q4 25 | — | $1.56 | ||
| Q3 25 | $0.59 | $0.73 | ||
| Q2 25 | $16.76 | $1.05 | ||
| Q1 25 | — | $1.20 | ||
| Q4 24 | — | $1.30 | ||
| Q3 24 | — | $1.31 | ||
| Q2 24 | — | $1.14 | ||
| Q1 24 | — | $1.05 |
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 | $42.3M | $80.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $437.4M | $261.1M |
| 总资产 | $1.8B | $2.2B |
| 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JCAPPLBC
| Q4 25 | — | $80.6M | ||
| Q3 25 | $42.3M | $87.3M | ||
| Q2 25 | $51.7M | $79.3M | ||
| Q1 25 | — | $87.3M | ||
| Q4 24 | — | $82.0M | ||
| Q3 24 | — | $118.0M | ||
| Q2 24 | — | $109.9M | ||
| Q1 24 | — | $128.2M |
股东权益JCAPPLBC
| Q4 25 | — | $261.1M | ||
| Q3 25 | $437.4M | $245.9M | ||
| Q2 25 | $410.8M | $193.1M | ||
| Q1 25 | — | $187.6M | ||
| Q4 24 | — | $177.9M | ||
| Q3 24 | — | $181.9M | ||
| Q2 24 | — | $165.2M | ||
| Q1 24 | — | $161.5M |
总资产JCAPPLBC
| Q4 25 | — | $2.2B | ||
| Q3 25 | $1.8B | $2.2B | ||
| Q2 25 | $1.8B | $1.6B | ||
| Q1 25 | — | $1.6B | ||
| Q4 24 | — | $1.6B | ||
| Q3 24 | — | $1.7B | ||
| Q2 24 | — | $1.6B | ||
| Q1 24 | — | $1.6B |
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 | $63.1M | $6.4M |
| 自由现金流经营现金流 - 资本支出 | $63.0M | $6.1M |
| 自由现金流率自由现金流/营收 | 41.7% | 23.6% |
| 资本支出强度资本支出/营收 | 0.1% | 1.2% |
| 现金转化率经营现金流/净利润 | 1.64× | — |
| 过去12个月自由现金流最近4个季度 | — | $20.3M |
8季度趋势，按日历期对齐
经营现金流JCAPPLBC
| Q4 25 | — | $6.4M | ||
| Q3 25 | $63.1M | $5.6M | ||
| Q2 25 | $130.6M | $2.1M | ||
| Q1 25 | — | $7.5M | ||
| Q4 24 | — | $8.3M | ||
| Q3 24 | — | $8.0M | ||
| Q2 24 | — | $5.1M | ||
| Q1 24 | — | $9.2M |
自由现金流JCAPPLBC
| Q4 25 | — | $6.1M | ||
| Q3 25 | $63.0M | $4.8M | ||
| Q2 25 | $130.0M | $2.0M | ||
| Q1 25 | — | $7.3M | ||
| Q4 24 | — | $8.2M | ||
| Q3 24 | — | $7.8M | ||
| Q2 24 | — | $4.8M | ||
| Q1 24 | — | $9.0M |
自由现金流率JCAPPLBC
| Q4 25 | — | 23.6% | ||
| Q3 25 | 41.7% | 588.6% | ||
| Q2 25 | 85.1% | 260.4% | ||
| Q1 25 | — | 1039.7% | ||
| Q4 24 | — | 43.1% | ||
| Q3 24 | — | 1023.2% | ||
| Q2 24 | — | 652.2% | ||
| Q1 24 | — | 1254.7% |
资本支出强度JCAPPLBC
| Q4 25 | — | 1.2% | ||
| Q3 25 | 0.1% | 98.2% | ||
| Q2 25 | 0.4% | 4.0% | ||
| Q1 25 | — | 24.5% | ||
| Q4 24 | — | 0.6% | ||
| Q3 24 | — | 19.5% | ||
| Q2 24 | — | 31.0% | ||
| Q1 24 | — | 26.7% |
现金转化率JCAPPLBC
| Q4 25 | — | — | ||
| Q3 25 | 1.64× | 1.09× | ||
| Q2 25 | 2.74× | 0.33× | ||
| Q1 25 | — | 1.04× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 1.02× | ||
| Q2 24 | — | 0.75× | ||
| Q1 24 | — | 1.46× |
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
JCAP
| United States Segment | $108.1M | 72% |
| Other | $35.8M | 24% |
| United Kingdom Segment | $6.9M | 5% |
PLBC
暂无分部数据
