vs
PCB BANCORP（PCB）与PLUMAS BANCORP（PLBC）财务数据对比。点击上方公司名可切换其他公司
PCB BANCORP的季度营收约是PLUMAS BANCORP的1.0倍（$29.2M vs $28.6M），PLUMAS BANCORP同比增速更快（35.1% vs 11.3%），PCB BANCORP自由现金流更多（$24.4M vs $20.3M），过去两年PLUMAS BANCORP的营收复合增速更高（20.8% vs 10.4%）
PCB BANCORP旗下的PCB银行是一家总部位于加利福尼亚州的美国社区银行，主要服务韩裔美国社群，提供商业银行服务，目前在全美8个州设有分支机构，规模在韩资背景美国银行中位列第三，仅次于希望银行与韩美银行。
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。
PCB vs PLBC — 直观对比
营收规模更大
PCB
是对方的1.0倍
$28.6M
营收增速更快
PLBC
高出23.7%
11.3%
自由现金流更多
PCB
多$4.1M
$20.3M
两年增速更快
PLBC
近两年复合增速
10.4%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $29.2M | $28.6M |
| 净利润 | — | — |
| 毛利率 | — | — |
| 营业利润率 | 45.0% | 48.9% |
| 净利率 | — | — |
| 营收同比 | 11.3% | 35.1% |
| 净利润同比 | — | — |
| 每股收益（稀释后） | $0.65 | $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PCBPLBC
| Q4 25 | $29.2M | $28.6M | ||
| Q3 25 | $30.4M | $27.4M | ||
| Q2 25 | $29.3M | $20.5M | ||
| Q1 25 | $26.9M | $21.8M | ||
| Q4 24 | $26.2M | $21.2M | ||
| Q3 24 | $25.3M | $21.1M | ||
| Q2 24 | $24.2M | $20.6M | ||
| Q1 24 | $23.9M | $19.6M |
净利润PCBPLBC
| Q4 25 | — | — | ||
| Q3 25 | $11.4M | $5.1M | ||
| Q2 25 | $9.1M | $6.3M | ||
| Q1 25 | $7.7M | $7.2M | ||
| Q4 24 | — | — | ||
| Q3 24 | $7.8M | $7.8M | ||
| Q2 24 | $6.3M | $6.8M | ||
| Q1 24 | $4.7M | $6.3M |
营业利润率PCBPLBC
| Q4 25 | 45.0% | 48.9% | ||
| Q3 25 | 52.3% | 25.2% | ||
| Q2 25 | 43.3% | 42.2% | ||
| Q1 25 | 40.2% | 46.1% | ||
| Q4 24 | 39.3% | 50.3% | ||
| Q3 24 | 42.2% | 50.6% | ||
| Q2 24 | 36.3% | 45.1% | ||
| Q1 24 | 27.2% | 42.8% |
净利率PCBPLBC
| Q4 25 | — | — | ||
| Q3 25 | 37.5% | 18.8% | ||
| Q2 25 | 31.0% | 30.8% | ||
| Q1 25 | 28.8% | 33.0% | ||
| Q4 24 | — | — | ||
| Q3 24 | 30.8% | 37.1% | ||
| Q2 24 | 25.9% | 32.9% | ||
| Q1 24 | 19.6% | 31.9% |
每股收益（稀释后）PCBPLBC
| Q4 25 | $0.65 | $1.56 | ||
| Q3 25 | $0.78 | $0.73 | ||
| Q2 25 | $0.62 | $1.05 | ||
| Q1 25 | $0.53 | $1.20 | ||
| Q4 24 | $0.46 | $1.30 | ||
| Q3 24 | $0.52 | $1.31 | ||
| Q2 24 | $0.43 | $1.14 | ||
| Q1 24 | $0.33 | $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 | $207.1M | $80.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $390.0M | $261.1M |
| 总资产 | $3.3B | $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PCBPLBC
| Q4 25 | $207.1M | $80.6M | ||
| Q3 25 | $369.5M | $87.3M | ||
| Q2 25 | $263.6M | $79.3M | ||
| Q1 25 | $214.3M | $87.3M | ||
| Q4 24 | $198.8M | $82.0M | ||
| Q3 24 | $193.1M | $118.0M | ||
| Q2 24 | $177.6M | $109.9M | ||
| Q1 24 | $239.8M | $128.2M |
股东权益PCBPLBC
| Q4 25 | $390.0M | $261.1M | ||
| Q3 25 | $384.5M | $245.9M | ||
| Q2 25 | $376.5M | $193.1M | ||
| Q1 25 | $370.9M | $187.6M | ||
| Q4 24 | $363.8M | $177.9M | ||
| Q3 24 | $362.3M | $181.9M | ||
| Q2 24 | $353.5M | $165.2M | ||
| Q1 24 | $350.0M | $161.5M |
总资产PCBPLBC
| Q4 25 | $3.3B | $2.2B | ||
| Q3 25 | $3.4B | $2.2B | ||
| Q2 25 | $3.3B | $1.6B | ||
| Q1 25 | $3.2B | $1.6B | ||
| Q4 24 | $3.1B | $1.6B | ||
| Q3 24 | $2.9B | $1.7B | ||
| Q2 24 | $2.9B | $1.6B | ||
| Q1 24 | $2.9B | $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 | $26.6M | $21.6M |
| 自由现金流经营现金流 - 资本支出 | $24.4M | $20.3M |
| 自由现金流率自由现金流/营收 | 83.6% | 70.9% |
| 资本支出强度资本支出/营收 | 7.5% | 4.6% |
| 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 | $46.0M | $34.4M |
8季度趋势，按日历期对齐
经营现金流PCBPLBC
| Q4 25 | $26.6M | $21.6M | ||
| Q3 25 | $16.4M | $5.6M | ||
| Q2 25 | $4.9M | $2.1M | ||
| Q1 25 | $2.3M | $7.5M | ||
| Q4 24 | $39.0M | $30.5M | ||
| Q3 24 | $11.9M | $8.0M | ||
| Q2 24 | $14.6M | $5.1M | ||
| Q1 24 | $8.2M | $9.2M |
自由现金流PCBPLBC
| Q4 25 | $24.4M | $20.3M | ||
| Q3 25 | $16.2M | $4.8M | ||
| Q2 25 | $3.8M | $2.0M | ||
| Q1 25 | $1.6M | $7.3M | ||
| Q4 24 | $34.9M | $29.8M | ||
| Q3 24 | $11.9M | $7.8M | ||
| Q2 24 | $12.8M | $4.8M | ||
| Q1 24 | $6.0M | $9.0M |
自由现金流率PCBPLBC
| Q4 25 | 83.6% | 70.9% | ||
| Q3 25 | 53.2% | 17.5% | ||
| Q2 25 | 13.1% | 9.9% | ||
| Q1 25 | 6.0% | 33.7% | ||
| Q4 24 | 133.2% | 141.0% | ||
| Q3 24 | 46.8% | 37.1% | ||
| Q2 24 | 53.1% | 23.5% | ||
| Q1 24 | 25.2% | 45.8% |
资本支出强度PCBPLBC
| Q4 25 | 7.5% | 4.6% | ||
| Q3 25 | 0.8% | 2.9% | ||
| Q2 25 | 3.7% | 0.2% | ||
| Q1 25 | 2.8% | 0.8% | ||
| Q4 24 | 15.5% | 3.2% | ||
| Q3 24 | 0.1% | 0.7% | ||
| Q2 24 | 7.3% | 1.1% | ||
| Q1 24 | 9.3% | 1.0% |
现金转化率PCBPLBC
| Q4 25 | — | — | ||
| Q3 25 | 1.44× | 1.09× | ||
| Q2 25 | 0.54× | 0.33× | ||
| Q1 25 | 0.30× | 1.04× | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.52× | 1.02× | ||
| Q2 24 | 2.33× | 0.75× | ||
| Q1 24 | 1.76× | 1.46× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
