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PCB BANCORP（PCB）与泛美白银（USAS）财务数据对比。点击上方公司名可切换其他公司
PCB BANCORP的季度营收约是泛美白银的1.5倍（$29.2M vs $19.1M），PCB BANCORP同比增速更快（11.3% vs -28.0%），PCB BANCORP自由现金流更多（$24.4M vs $-41.3M）
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。
泛美白银是一家总部位于加拿大的矿业企业，业务布局集中在拉丁美洲，在墨西哥、秘鲁、玻利维亚、阿根廷多国持有运营矿山及其他矿产开发项目，是美洲地区重要的贵金属开采企业。
PCB vs USAS — 直观对比
营收规模更大
PCB
是对方的1.5倍
$19.1M
营收增速更快
PCB
高出39.4%
-28.0%
自由现金流更多
PCB
多$65.7M
$-41.3M
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $29.2M | $19.1M |
| 净利润 | — | $-15.7M |
| 毛利率 | — | 34.2% |
| 营业利润率 | 45.0% | — |
| 净利率 | — | -82.3% |
| 营收同比 | 11.3% | -28.0% |
| 净利润同比 | — | 2.8% |
| 每股收益（稀释后） | $0.65 | — |
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PCBUSAS
| Q4 25 | $29.2M | — | ||
| Q3 25 | $30.4M | $19.1M | ||
| Q2 25 | $29.3M | — | ||
| Q1 25 | $26.9M | — | ||
| Q4 24 | $26.2M | — | ||
| Q3 24 | $25.3M | $26.5M | ||
| Q2 24 | $24.2M | — | ||
| Q1 24 | $23.9M | — |
净利润PCBUSAS
| Q4 25 | — | — | ||
| Q3 25 | $11.4M | $-15.7M | ||
| Q2 25 | $9.1M | — | ||
| Q1 25 | $7.7M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $7.8M | $-16.2M | ||
| Q2 24 | $6.3M | — | ||
| Q1 24 | $4.7M | — |
毛利率PCBUSAS
| Q4 25 | — | — | ||
| Q3 25 | — | 34.2% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 23.6% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
营业利润率PCBUSAS
| Q4 25 | 45.0% | — | ||
| Q3 25 | 52.3% | — | ||
| Q2 25 | 43.3% | — | ||
| Q1 25 | 40.2% | — | ||
| Q4 24 | 39.3% | — | ||
| Q3 24 | 42.2% | — | ||
| Q2 24 | 36.3% | — | ||
| Q1 24 | 27.2% | — |
净利率PCBUSAS
| Q4 25 | — | — | ||
| Q3 25 | 37.5% | -82.3% | ||
| Q2 25 | 31.0% | — | ||
| Q1 25 | 28.8% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 30.8% | -60.9% | ||
| Q2 24 | 25.9% | — | ||
| Q1 24 | 19.6% | — |
每股收益（稀释后）PCBUSAS
| Q4 25 | $0.65 | — | ||
| Q3 25 | $0.78 | — | ||
| Q2 25 | $0.62 | — | ||
| Q1 25 | $0.53 | — | ||
| Q4 24 | $0.46 | — | ||
| Q3 24 | $0.52 | — | ||
| Q2 24 | $0.43 | — | ||
| Q1 24 | $0.33 | — |
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 | $39.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $390.0M | $50.2M |
| 总资产 | $3.3B | $234.7M |
| 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PCBUSAS
| Q4 25 | $207.1M | — | ||
| Q3 25 | $369.5M | $39.1M | ||
| Q2 25 | $263.6M | — | ||
| Q1 25 | $214.3M | — | ||
| Q4 24 | $198.8M | — | ||
| Q3 24 | $193.1M | — | ||
| Q2 24 | $177.6M | — | ||
| Q1 24 | $239.8M | — |
股东权益PCBUSAS
| Q4 25 | $390.0M | — | ||
| Q3 25 | $384.5M | $50.2M | ||
| Q2 25 | $376.5M | — | ||
| Q1 25 | $370.9M | — | ||
| Q4 24 | $363.8M | — | ||
| Q3 24 | $362.3M | $53.1M | ||
| Q2 24 | $353.5M | — | ||
| Q1 24 | $350.0M | — |
总资产PCBUSAS
| Q4 25 | $3.3B | — | ||
| Q3 25 | $3.4B | $234.7M | ||
| Q2 25 | $3.3B | — | ||
| Q1 25 | $3.2B | — | ||
| Q4 24 | $3.1B | — | ||
| Q3 24 | $2.9B | — | ||
| Q2 24 | $2.9B | — | ||
| Q1 24 | $2.9B | — |
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 | $-12.5M |
| 自由现金流经营现金流 - 资本支出 | $24.4M | $-41.3M |
| 自由现金流率自由现金流/营收 | 83.6% | -216.5% |
| 资本支出强度资本支出/营收 | 7.5% | 150.8% |
| 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 | — |
8季度趋势，按日历期对齐
经营现金流PCBUSAS
| Q4 25 | $26.6M | — | ||
| Q3 25 | $16.4M | $-12.5M | ||
| Q2 25 | $4.9M | — | ||
| Q1 25 | $2.3M | — | ||
| Q4 24 | $39.0M | — | ||
| Q3 24 | $11.9M | $2.4M | ||
| Q2 24 | $14.6M | — | ||
| Q1 24 | $8.2M | — |
自由现金流PCBUSAS
| Q4 25 | $24.4M | — | ||
| Q3 25 | $16.2M | $-41.3M | ||
| Q2 25 | $3.8M | — | ||
| Q1 25 | $1.6M | — | ||
| Q4 24 | $34.9M | — | ||
| Q3 24 | $11.9M | $-11.2M | ||
| Q2 24 | $12.8M | — | ||
| Q1 24 | $6.0M | — |
自由现金流率PCBUSAS
| Q4 25 | 83.6% | — | ||
| Q3 25 | 53.2% | -216.5% | ||
| Q2 25 | 13.1% | — | ||
| Q1 25 | 6.0% | — | ||
| Q4 24 | 133.2% | — | ||
| Q3 24 | 46.8% | -42.2% | ||
| Q2 24 | 53.1% | — | ||
| Q1 24 | 25.2% | — |
资本支出强度PCBUSAS
| Q4 25 | 7.5% | — | ||
| Q3 25 | 0.8% | 150.8% | ||
| Q2 25 | 3.7% | — | ||
| Q1 25 | 2.8% | — | ||
| Q4 24 | 15.5% | — | ||
| Q3 24 | 0.1% | 51.2% | ||
| Q2 24 | 7.3% | — | ||
| Q1 24 | 9.3% | — |
现金转化率PCBUSAS
| Q4 25 | — | — | ||
| Q3 25 | 1.44× | — | ||
| Q2 25 | 0.54× | — | ||
| Q1 25 | 0.30× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.52× | — | ||
| Q2 24 | 2.33× | — | ||
| Q1 24 | 1.76× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
