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Aterian, Inc.（ATER）与Finward Bancorp（FNWD）财务数据对比。点击上方公司名可切换其他公司
Finward Bancorp的季度营收约是Aterian, Inc.的1.1倍（$16.5M vs $15.1M），Finward Bancorp净利率更高（12.0% vs -52.5%，领先64.5%），Finward Bancorp同比增速更快（1.1% vs -38.5%），Finward Bancorp自由现金流更多（$9.0M vs $-1.0M），过去两年Aterian, Inc.的营收复合增速更高（-13.5% vs -19.1%）
Aterian, Inc.是一家技术驱动的消费品企业，依托人工智能与数据分析挖掘市场需求，开发、采购并销售家居、个护、健康、户外、宠物用品等多品类高性价比商品，主要通过全球主流电商平台销往北美、欧洲等核心市场。
Finward Bancorp是一家总部位于美国的区域性银行控股公司，主要面向本土运营区域内的个人消费者与中小企业，提供储蓄账户、各类贷款、商业融资及财富管理等零售与商业金融服务。
ATER vs FNWD — 直观对比
营收规模更大
FNWD
是对方的1.1倍
$15.1M
营收增速更快
FNWD
高出39.6%
-38.5%
净利率更高
FNWD
高出64.5%
-52.5%
自由现金流更多
FNWD
多$10.1M
$-1.0M
两年增速更快
ATER
近两年复合增速
-19.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $15.1M | $16.5M |
| 净利润 | $-7.9M | $2.0M |
| 毛利率 | 56.1% | — |
| 营业利润率 | -51.1% | 11.0% |
| 净利率 | -52.5% | 12.0% |
| 营收同比 | -38.5% | 1.1% |
| 净利润同比 | -512.2% | -5.6% |
| 每股收益（稀释后） | — | $0.46 |
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ATERFNWD
| Q4 25 | $15.1M | $16.5M | ||
| Q3 25 | $19.0M | $17.4M | ||
| Q2 25 | $19.5M | $16.6M | ||
| Q1 25 | $15.4M | $15.5M | ||
| Q4 24 | $24.6M | $16.3M | ||
| Q3 24 | $26.2M | $14.9M | ||
| Q2 24 | $28.0M | $14.6M | ||
| Q1 24 | $20.2M | $25.3M |
净利润ATERFNWD
| Q4 25 | $-7.9M | $2.0M | ||
| Q3 25 | $-2.3M | $3.5M | ||
| Q2 25 | $-4.9M | $2.2M | ||
| Q1 25 | $-3.9M | $455.0K | ||
| Q4 24 | $-1.3M | $2.1M | ||
| Q3 24 | $-1.8M | $606.0K | ||
| Q2 24 | $-3.6M | $143.0K | ||
| Q1 24 | $-5.2M | $9.3M |
毛利率ATERFNWD
| Q4 25 | 56.1% | — | ||
| Q3 25 | 56.1% | — | ||
| Q2 25 | 54.3% | — | ||
| Q1 25 | 61.4% | — | ||
| Q4 24 | 63.4% | — | ||
| Q3 24 | 60.3% | — | ||
| Q2 24 | 60.4% | — | ||
| Q1 24 | 65.1% | — |
营业利润率ATERFNWD
| Q4 25 | -51.1% | 11.0% | ||
| Q3 25 | -10.7% | 20.5% | ||
| Q2 25 | -23.1% | 12.7% | ||
| Q1 25 | -24.1% | 4.0% | ||
| Q4 24 | -6.5% | 16.3% | ||
| Q3 24 | -6.6% | 2.7% | ||
| Q2 24 | -11.5% | 0.9% | ||
| Q1 24 | -26.1% | 40.6% |
净利率ATERFNWD
| Q4 25 | -52.5% | 12.0% | ||
| Q3 25 | -12.0% | 20.1% | ||
| Q2 25 | -25.0% | 12.9% | ||
| Q1 25 | -25.4% | 2.9% | ||
| Q4 24 | -5.3% | 12.9% | ||
| Q3 24 | -6.8% | 4.1% | ||
| Q2 24 | -13.0% | 1.0% | ||
| Q1 24 | -25.5% | 36.7% |
每股收益（稀释后）ATERFNWD
| Q4 25 | — | $0.46 | ||
| Q3 25 | — | $0.81 | ||
| Q2 25 | — | $0.50 | ||
| Q1 25 | — | $0.11 | ||
| Q4 24 | — | $0.50 | ||
| Q3 24 | — | $0.14 | ||
| Q2 24 | — | $0.03 | ||
| Q1 24 | — | $2.17 |
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 | $4.9M | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $15.2M | $174.7M |
| 总资产 | $29.6M | $2.0B |
| 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ATERFNWD
| Q4 25 | $4.9M | — | ||
| Q3 25 | $7.6M | — | ||
| Q2 25 | $10.5M | — | ||
| Q1 25 | $14.3M | — | ||
| Q4 24 | $18.0M | — | ||
| Q3 24 | $16.1M | — | ||
| Q2 24 | $20.3M | — | ||
| Q1 24 | $17.5M | — |
股东权益ATERFNWD
| Q4 25 | $15.2M | $174.7M | ||
| Q3 25 | $22.6M | $165.5M | ||
| Q2 25 | $24.3M | $154.3M | ||
| Q1 25 | $27.0M | $151.8M | ||
| Q4 24 | $30.0M | $151.4M | ||
| Q3 24 | $30.6M | $159.6M | ||
| Q2 24 | $30.9M | $148.6M | ||
| Q1 24 | $33.0M | $151.6M |
总资产ATERFNWD
| Q4 25 | $29.6M | $2.0B | ||
| Q3 25 | $40.1M | $2.1B | ||
| Q2 25 | $45.4M | $2.1B | ||
| Q1 25 | $49.8M | $2.0B | ||
| Q4 24 | $49.5M | $2.1B | ||
| Q3 24 | $52.1M | $2.1B | ||
| Q2 24 | $59.9M | $2.1B | ||
| Q1 24 | $55.7M | $2.1B |
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 | $-1.0M | $9.9M |
| 自由现金流经营现金流 - 资本支出 | $-1.0M | $9.0M |
| 自由现金流率自由现金流/营收 | -6.9% | 54.8% |
| 资本支出强度资本支出/营收 | 0.0% | 5.2% |
| 现金转化率经营现金流/净利润 | — | 4.99× |
| 过去12个月自由现金流最近4个季度 | — | $10.6M |
8季度趋势，按日历期对齐
经营现金流ATERFNWD
| Q4 25 | $-1.0M | $9.9M | ||
| Q3 25 | $-1.6M | $1.2M | ||
| Q2 25 | $-4.4M | $4.8M | ||
| Q1 25 | $-3.9M | $-3.8M | ||
| Q4 24 | $-9.0K | $9.8M | ||
| Q3 24 | $-722.0K | $-3.7M | ||
| Q2 24 | $2.9M | $2.8M | ||
| Q1 24 | $-6.0K | $-25.0K |
自由现金流ATERFNWD
| Q4 25 | $-1.0M | $9.0M | ||
| Q3 25 | $-1.6M | $1.0M | ||
| Q2 25 | $-4.4M | $4.5M | ||
| Q1 25 | — | $-4.0M | ||
| Q4 24 | — | $6.7M | ||
| Q3 24 | — | $-4.2M | ||
| Q2 24 | $2.9M | $1.1M | ||
| Q1 24 | $-42.0K | $-736.0K |
自由现金流率ATERFNWD
| Q4 25 | -6.9% | 54.8% | ||
| Q3 25 | -8.4% | 6.0% | ||
| Q2 25 | -22.7% | 27.0% | ||
| Q1 25 | — | -25.7% | ||
| Q4 24 | — | 41.2% | ||
| Q3 24 | — | -28.5% | ||
| Q2 24 | 10.3% | 7.6% | ||
| Q1 24 | -0.2% | -2.9% |
资本支出强度ATERFNWD
| Q4 25 | 0.0% | 5.2% | ||
| Q3 25 | 0.2% | 0.9% | ||
| Q2 25 | 0.0% | 1.7% | ||
| Q1 25 | 0.0% | 1.2% | ||
| Q4 24 | 0.0% | 18.8% | ||
| Q3 24 | 0.0% | 3.4% | ||
| Q2 24 | 0.0% | 11.2% | ||
| Q1 24 | 0.2% | 2.8% |
现金转化率ATERFNWD
| Q4 25 | — | 4.99× | ||
| Q3 25 | — | 0.34× | ||
| Q2 25 | — | 2.22× | ||
| Q1 25 | — | -8.37× | ||
| Q4 24 | — | 4.66× | ||
| Q3 24 | — | -6.15× | ||
| Q2 24 | — | 19.23× | ||
| Q1 24 | — | -0.00× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
ATER
| Sales Channel Directly To Consumer | $13.1M | 87% |
| Heating Cooling And Air Quality | $2.1M | 14% |
FNWD
暂无分部数据
