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PLUMAS BANCORP（PLBC）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
PLUMAS BANCORP的季度营收约是泛美白银的1.5倍（$28.6M vs $19.1M），PLUMAS BANCORP同比增速更快（35.1% vs -28.0%），PLUMAS BANCORP自由现金流更多（$20.3M vs $-41.3M）
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。
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。
PLBC vs USAS — 直观对比
营收规模更大
PLBC
是对方的1.5倍
$19.1M
营收增速更快
PLBC
高出63.1%
-28.0%
自由现金流更多
PLBC
多$61.6M
$-41.3M
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $28.6M | $19.1M |
| 净利润 | — | $-15.7M |
| 毛利率 | — | 34.2% |
| 营业利润率 | 48.9% | — |
| 净利率 | — | -82.3% |
| 营收同比 | 35.1% | -28.0% |
| 净利润同比 | — | 2.8% |
| 每股收益（稀释后） | $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PLBCUSAS
| Q4 25 | $28.6M | — | ||
| Q3 25 | $27.4M | $19.1M | ||
| Q2 25 | $20.5M | — | ||
| Q1 25 | $21.8M | — | ||
| Q4 24 | $21.2M | — | ||
| Q3 24 | $21.1M | $26.5M | ||
| Q2 24 | $20.6M | — | ||
| Q1 24 | $19.6M | — |
净利润PLBCUSAS
| Q4 25 | — | — | ||
| Q3 25 | $5.1M | $-15.7M | ||
| Q2 25 | $6.3M | — | ||
| Q1 25 | $7.2M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $7.8M | $-16.2M | ||
| Q2 24 | $6.8M | — | ||
| Q1 24 | $6.3M | — |
毛利率PLBCUSAS
| 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PLBCUSAS
| Q4 25 | 48.9% | — | ||
| Q3 25 | 25.2% | — | ||
| Q2 25 | 42.2% | — | ||
| Q1 25 | 46.1% | — | ||
| Q4 24 | 50.3% | — | ||
| Q3 24 | 50.6% | — | ||
| Q2 24 | 45.1% | — | ||
| Q1 24 | 42.8% | — |
净利率PLBCUSAS
| Q4 25 | — | — | ||
| Q3 25 | 18.8% | -82.3% | ||
| Q2 25 | 30.8% | — | ||
| Q1 25 | 33.0% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 37.1% | -60.9% | ||
| Q2 24 | 32.9% | — | ||
| Q1 24 | 31.9% | — |
每股收益（稀释后）PLBCUSAS
| Q4 25 | $1.56 | — | ||
| Q3 25 | $0.73 | — | ||
| Q2 25 | $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 | $80.6M | $39.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $261.1M | $50.2M |
| 总资产 | $2.2B | $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PLBCUSAS
| Q4 25 | $80.6M | — | ||
| Q3 25 | $87.3M | $39.1M | ||
| Q2 25 | $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PLBCUSAS
| Q4 25 | $261.1M | — | ||
| Q3 25 | $245.9M | $50.2M | ||
| Q2 25 | $193.1M | — | ||
| Q1 25 | $187.6M | — | ||
| Q4 24 | $177.9M | — | ||
| Q3 24 | $181.9M | $53.1M | ||
| Q2 24 | $165.2M | — | ||
| Q1 24 | $161.5M | — |
总资产PLBCUSAS
| Q4 25 | $2.2B | — | ||
| Q3 25 | $2.2B | $234.7M | ||
| Q2 25 | $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 | $21.6M | $-12.5M |
| 自由现金流经营现金流 - 资本支出 | $20.3M | $-41.3M |
| 自由现金流率自由现金流/营收 | 70.9% | -216.5% |
| 资本支出强度资本支出/营收 | 4.6% | 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 | $34.4M | — |
8季度趋势，按日历期对齐
经营现金流PLBCUSAS
| Q4 25 | $21.6M | — | ||
| Q3 25 | $5.6M | $-12.5M | ||
| Q2 25 | $2.1M | — | ||
| Q1 25 | $7.5M | — | ||
| Q4 24 | $30.5M | — | ||
| Q3 24 | $8.0M | $2.4M | ||
| Q2 24 | $5.1M | — | ||
| Q1 24 | $9.2M | — |
自由现金流PLBCUSAS
| Q4 25 | $20.3M | — | ||
| Q3 25 | $4.8M | $-41.3M | ||
| Q2 25 | $2.0M | — | ||
| Q1 25 | $7.3M | — | ||
| Q4 24 | $29.8M | — | ||
| Q3 24 | $7.8M | $-11.2M | ||
| Q2 24 | $4.8M | — | ||
| Q1 24 | $9.0M | — |
自由现金流率PLBCUSAS
| Q4 25 | 70.9% | — | ||
| Q3 25 | 17.5% | -216.5% | ||
| Q2 25 | 9.9% | — | ||
| Q1 25 | 33.7% | — | ||
| Q4 24 | 141.0% | — | ||
| Q3 24 | 37.1% | -42.2% | ||
| Q2 24 | 23.5% | — | ||
| Q1 24 | 45.8% | — |
资本支出强度PLBCUSAS
| Q4 25 | 4.6% | — | ||
| Q3 25 | 2.9% | 150.8% | ||
| Q2 25 | 0.2% | — | ||
| Q1 25 | 0.8% | — | ||
| Q4 24 | 3.2% | — | ||
| Q3 24 | 0.7% | 51.2% | ||
| Q2 24 | 1.1% | — | ||
| Q1 24 | 1.0% | — |
现金转化率PLBCUSAS
| Q4 25 | — | — | ||
| Q3 25 | 1.09× | — | ||
| Q2 25 | 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
