vs
PCB BANCORP（PCB）与RBB Bancorp（RBB）财务数据对比。点击上方公司名可切换其他公司
RBB Bancorp的季度营收约是PCB BANCORP的1.1倍（$32.3M vs $29.2M），RBB Bancorp同比增速更快（12.6% vs 11.3%），RBB Bancorp自由现金流更多（$42.6M vs $24.4M），过去两年PCB BANCORP的营收复合增速更高（10.4% vs 7.0%）
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。
RBB银行控股公司是总部位于美国的金融控股集团，旗下核心主体为皇家商业银行，主要服务亚裔社群、中小微企业、不动产投资者及零售客户，提供商业信贷、储蓄存款、财富管理等多元金融服务，业务覆盖美国沿海核心都会区。
PCB vs RBB — 直观对比
营收规模更大
RBB
是对方的1.1倍
$29.2M
营收增速更快
RBB
高出1.3%
11.3%
自由现金流更多
RBB
多$18.2M
$24.4M
两年增速更快
PCB
近两年复合增速
7.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $29.2M | $32.3M |
| 净利润 | — | $10.2M |
| 毛利率 | — | — |
| 营业利润率 | 45.0% | 39.5% |
| 净利率 | — | 31.5% |
| 营收同比 | 11.3% | 12.6% |
| 净利润同比 | — | 132.1% |
| 每股收益（稀释后） | $0.65 | $0.59 |
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PCBRBB
| Q4 25 | $29.2M | $32.3M | ||
| Q3 25 | $30.4M | $32.6M | ||
| Q2 25 | $29.3M | $35.8M | ||
| Q1 25 | $26.9M | $28.5M | ||
| Q4 24 | $26.2M | $28.7M | ||
| Q3 24 | $25.3M | $30.3M | ||
| Q2 24 | $24.2M | $27.5M | ||
| Q1 24 | $23.9M | $28.2M |
净利润PCBRBB
| Q4 25 | — | $10.2M | ||
| Q3 25 | $11.4M | $10.1M | ||
| Q2 25 | $9.1M | $9.3M | ||
| Q1 25 | $7.7M | $2.3M | ||
| Q4 24 | — | $4.4M | ||
| Q3 24 | $7.8M | $7.0M | ||
| Q2 24 | $6.3M | $7.2M | ||
| Q1 24 | $4.7M | $8.0M |
营业利润率PCBRBB
| Q4 25 | 45.0% | 39.5% | ||
| Q3 25 | 52.3% | 40.7% | ||
| Q2 25 | 43.3% | 36.1% | ||
| Q1 25 | 40.2% | 11.2% | ||
| Q4 24 | 39.3% | 17.6% | ||
| Q3 24 | 42.2% | 31.6% | ||
| Q2 24 | 36.3% | 35.6% | ||
| Q1 24 | 27.2% | 39.9% |
净利率PCBRBB
| Q4 25 | — | 31.5% | ||
| Q3 25 | 37.5% | 31.2% | ||
| Q2 25 | 31.0% | 26.1% | ||
| Q1 25 | 28.8% | 8.0% | ||
| Q4 24 | — | 15.3% | ||
| Q3 24 | 30.8% | 23.1% | ||
| Q2 24 | 25.9% | 26.4% | ||
| Q1 24 | 19.6% | 28.4% |
每股收益（稀释后）PCBRBB
| Q4 25 | $0.65 | $0.59 | ||
| Q3 25 | $0.78 | $0.59 | ||
| Q2 25 | $0.62 | $0.52 | ||
| Q1 25 | $0.53 | $0.13 | ||
| Q4 24 | $0.46 | $0.26 | ||
| Q3 24 | $0.52 | $0.39 | ||
| Q2 24 | $0.43 | $0.39 | ||
| Q1 24 | $0.33 | $0.43 |
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 | $212.3M |
| 总债务越低越好 | — | $119.9M |
| 股东权益账面价值 | $390.0M | $523.4M |
| 总资产 | $3.3B | $4.2B |
| 负债/权益比越低杠杆越低 | — | 0.23× |
8季度趋势，按日历期对齐
现金及短期投资PCBRBB
| Q4 25 | $207.1M | $212.3M | ||
| Q3 25 | $369.5M | $234.9M | ||
| Q2 25 | $263.6M | $191.9M | ||
| Q1 25 | $214.3M | $238.8M | ||
| Q4 24 | $198.8M | $257.7M | ||
| Q3 24 | $193.1M | $349.4M | ||
| Q2 24 | $177.6M | $252.8M | ||
| Q1 24 | $239.8M | — |
总债务PCBRBB
| Q4 25 | — | $119.9M | ||
| Q3 25 | — | $119.8M | ||
| Q2 25 | — | $119.7M | ||
| Q1 25 | — | $119.6M | ||
| Q4 24 | — | $119.5M | ||
| Q3 24 | — | $119.4M | ||
| Q2 24 | — | $119.3M | ||
| Q1 24 | — | $119.2M |
股东权益PCBRBB
| Q4 25 | $390.0M | $523.4M | ||
| Q3 25 | $384.5M | $514.3M | ||
| Q2 25 | $376.5M | $517.7M | ||
| Q1 25 | $370.9M | $510.3M | ||
| Q4 24 | $363.8M | $507.9M | ||
| Q3 24 | $362.3M | $509.7M | ||
| Q2 24 | $353.5M | $511.3M | ||
| Q1 24 | $350.0M | $514.0M |
总资产PCBRBB
| Q4 25 | $3.3B | $4.2B | ||
| Q3 25 | $3.4B | $4.2B | ||
| Q2 25 | $3.3B | $4.1B | ||
| Q1 25 | $3.2B | $4.0B | ||
| Q4 24 | $3.1B | $4.0B | ||
| Q3 24 | $2.9B | $4.0B | ||
| Q2 24 | $2.9B | $3.9B | ||
| Q1 24 | $2.9B | $3.9B |
负债/权益比PCBRBB
| Q4 25 | — | 0.23× | ||
| Q3 25 | — | 0.23× | ||
| Q2 25 | — | 0.23× | ||
| Q1 25 | — | 0.23× | ||
| Q4 24 | — | 0.24× | ||
| Q3 24 | — | 0.23× | ||
| Q2 24 | — | 0.23× | ||
| Q1 24 | — | 0.23× |
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 | $43.4M |
| 自由现金流经营现金流 - 资本支出 | $24.4M | $42.6M |
| 自由现金流率自由现金流/营收 | 83.6% | 131.8% |
| 资本支出强度资本支出/营收 | 7.5% | 2.5% |
| 现金转化率经营现金流/净利润 | — | 4.26× |
| 过去12个月自由现金流最近4个季度 | $46.0M | $73.5M |
8季度趋势，按日历期对齐
经营现金流PCBRBB
| Q4 25 | $26.6M | $43.4M | ||
| Q3 25 | $16.4M | $2.1M | ||
| Q2 25 | $4.9M | $21.7M | ||
| Q1 25 | $2.3M | $7.8M | ||
| Q4 24 | $39.0M | $58.5M | ||
| Q3 24 | $11.9M | $24.5M | ||
| Q2 24 | $14.6M | $11.7M | ||
| Q1 24 | $8.2M | $4.8M |
自由现金流PCBRBB
| Q4 25 | $24.4M | $42.6M | ||
| Q3 25 | $16.2M | $1.8M | ||
| Q2 25 | $3.8M | $21.6M | ||
| Q1 25 | $1.6M | $7.6M | ||
| Q4 24 | $34.9M | $57.7M | ||
| Q3 24 | $11.9M | $24.2M | ||
| Q2 24 | $12.8M | $11.5M | ||
| Q1 24 | $6.0M | $4.7M |
自由现金流率PCBRBB
| Q4 25 | 83.6% | 131.8% | ||
| Q3 25 | 53.2% | 5.4% | ||
| Q2 25 | 13.1% | 60.2% | ||
| Q1 25 | 6.0% | 26.7% | ||
| Q4 24 | 133.2% | 201.0% | ||
| Q3 24 | 46.8% | 80.0% | ||
| Q2 24 | 53.1% | 42.0% | ||
| Q1 24 | 25.2% | 16.6% |
资本支出强度PCBRBB
| Q4 25 | 7.5% | 2.5% | ||
| Q3 25 | 0.8% | 1.1% | ||
| Q2 25 | 3.7% | 0.3% | ||
| Q1 25 | 2.8% | 0.6% | ||
| Q4 24 | 15.5% | 2.7% | ||
| Q3 24 | 0.1% | 0.8% | ||
| Q2 24 | 7.3% | 0.5% | ||
| Q1 24 | 9.3% | 0.5% |
现金转化率PCBRBB
| Q4 25 | — | 4.26× | ||
| Q3 25 | 1.44× | 0.21× | ||
| Q2 25 | 0.54× | 2.32× | ||
| Q1 25 | 0.30× | 3.39× | ||
| Q4 24 | — | 13.34× | ||
| Q3 24 | 1.52× | 3.50× | ||
| Q2 24 | 2.33× | 1.61× | ||
| Q1 24 | 1.76× | 0.60× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
