vs
PLUMAS BANCORP（PLBC）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PLUMAS BANCORP的1.6倍（$47.1M vs $28.6M），PLUMAS BANCORP同比增速更快（35.1% vs -15.6%），过去两年STEM, INC.的营收复合增速更高（36.1% vs 20.8%）
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。
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。
PLBC vs STEM — 直观对比
营收规模更大
STEM
是对方的1.6倍
$28.6M
营收增速更快
PLBC
高出50.6%
-15.6%
两年增速更快
STEM
近两年复合增速
20.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $28.6M | $47.1M |
| 净利润 | — | $-16.0M |
| 毛利率 | — | 48.9% |
| 营业利润率 | 48.9% | -17.7% |
| 净利率 | — | -33.9% |
| 营收同比 | 35.1% | -15.6% |
| 净利润同比 | — | 68.8% |
| 每股收益（稀释后） | $1.56 | $-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PLBCSTEM
| Q4 25 | $28.6M | $47.1M | ||
| Q3 25 | $27.4M | $38.2M | ||
| Q2 25 | $20.5M | $38.4M | ||
| Q1 25 | $21.8M | $32.5M | ||
| Q4 24 | $21.2M | $55.8M | ||
| Q3 24 | $21.1M | $29.3M | ||
| Q2 24 | $20.6M | $34.0M | ||
| Q1 24 | $19.6M | $25.5M |
净利润PLBCSTEM
| Q4 25 | — | $-16.0M | ||
| Q3 25 | $5.1M | $-23.8M | ||
| Q2 25 | $6.3M | $202.5M | ||
| Q1 25 | $7.2M | $-25.0M | ||
| Q4 24 | — | $-51.1M | ||
| Q3 24 | $7.8M | $-148.3M | ||
| Q2 24 | $6.8M | $-582.3M | ||
| Q1 24 | $6.3M | $-72.3M |
毛利率PLBCSTEM
| 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PLBCSTEM
| Q4 25 | 48.9% | -17.7% | ||
| Q3 25 | 25.2% | -33.6% | ||
| Q2 25 | 42.2% | -34.8% | ||
| Q1 25 | 46.1% | -65.0% | ||
| Q4 24 | 50.3% | -84.4% | ||
| Q3 24 | 50.6% | -493.2% | ||
| Q2 24 | 45.1% | -1705.5% | ||
| Q1 24 | 42.8% | -267.0% |
净利率PLBCSTEM
| Q4 25 | — | -33.9% | ||
| Q3 25 | 18.8% | -62.2% | ||
| Q2 25 | 30.8% | 527.8% | ||
| Q1 25 | 33.0% | -76.9% | ||
| Q4 24 | — | -91.6% | ||
| Q3 24 | 37.1% | -506.3% | ||
| Q2 24 | 32.9% | -1712.6% | ||
| Q1 24 | 31.9% | -283.9% |
每股收益（稀释后）PLBCSTEM
| Q4 25 | $1.56 | $-4.40 | ||
| Q3 25 | $0.73 | $-2.84 | ||
| Q2 25 | $1.05 | $-1.79 | ||
| Q1 25 | $1.20 | $-0.15 | ||
| Q4 24 | $1.30 | $-15.29 | ||
| Q3 24 | $1.31 | $-18.24 | ||
| Q2 24 | $1.14 | $-71.81 | ||
| Q1 24 | $1.05 | $-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 | $80.6M | $48.9M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $261.1M | $-249.4M |
| 总资产 | $2.2B | $308.9M |
| 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PLBCSTEM
| Q4 25 | $80.6M | $48.9M | ||
| Q3 25 | $87.3M | $43.1M | ||
| Q2 25 | $79.3M | $40.8M | ||
| Q1 25 | $87.3M | $58.6M | ||
| Q4 24 | $82.0M | $56.3M | ||
| Q3 24 | $118.0M | $75.4M | ||
| Q2 24 | $109.9M | $89.6M | ||
| Q1 24 | $128.2M | $112.8M |
股东权益PLBCSTEM
| Q4 25 | $261.1M | $-249.4M | ||
| Q3 25 | $245.9M | $-235.7M | ||
| Q2 25 | $193.1M | $-214.1M | ||
| Q1 25 | $187.6M | $-417.5M | ||
| Q4 24 | $177.9M | $-398.4M | ||
| Q3 24 | $181.9M | $-344.1M | ||
| Q2 24 | $165.2M | $-203.2M | ||
| Q1 24 | $161.5M | $371.6M |
总资产PLBCSTEM
| Q4 25 | $2.2B | $308.9M | ||
| Q3 25 | $2.2B | $362.6M | ||
| Q2 25 | $1.6B | $379.2M | ||
| Q1 25 | $1.6B | $405.1M | ||
| Q4 24 | $1.6B | $437.4M | ||
| Q3 24 | $1.7B | $537.8M | ||
| Q2 24 | $1.6B | $691.5M | ||
| Q1 24 | $1.6B | $1.3B |
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 | $21.6M | $8.2M |
| 自由现金流经营现金流 - 资本支出 | $20.3M | — |
| 自由现金流率自由现金流/营收 | 70.9% | — |
| 资本支出强度资本支出/营收 | 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 | $34.4M | — |
8季度趋势，按日历期对齐
经营现金流PLBCSTEM
| Q4 25 | $21.6M | $8.2M | ||
| Q3 25 | $5.6M | $11.4M | ||
| Q2 25 | $2.1M | $-21.3M | ||
| Q1 25 | $7.5M | $8.5M | ||
| Q4 24 | $30.5M | $-14.7M | ||
| Q3 24 | $8.0M | $-9.4M | ||
| Q2 24 | $5.1M | $-11.9M | ||
| Q1 24 | $9.2M | $-621.0K |
自由现金流PLBCSTEM
| Q4 25 | $20.3M | — | ||
| Q3 25 | $4.8M | — | ||
| Q2 25 | $2.0M | — | ||
| Q1 25 | $7.3M | — | ||
| Q4 24 | $29.8M | — | ||
| Q3 24 | $7.8M | — | ||
| Q2 24 | $4.8M | — | ||
| Q1 24 | $9.0M | — |
自由现金流率PLBCSTEM
| Q4 25 | 70.9% | — | ||
| Q3 25 | 17.5% | — | ||
| Q2 25 | 9.9% | — | ||
| Q1 25 | 33.7% | — | ||
| Q4 24 | 141.0% | — | ||
| Q3 24 | 37.1% | — | ||
| Q2 24 | 23.5% | — | ||
| Q1 24 | 45.8% | — |
资本支出强度PLBCSTEM
| Q4 25 | 4.6% | — | ||
| Q3 25 | 2.9% | — | ||
| Q2 25 | 0.2% | — | ||
| Q1 25 | 0.8% | — | ||
| Q4 24 | 3.2% | — | ||
| Q3 24 | 0.7% | — | ||
| Q2 24 | 1.1% | — | ||
| Q1 24 | 1.0% | — |
现金转化率PLBCSTEM
| Q4 25 | — | — | ||
| Q3 25 | 1.09× | — | ||
| Q2 25 | 0.33× | -0.11× | ||
| 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
