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Axos Financial, Inc.（AX）与FNB CORP（FNB）财务数据对比。点击上方公司名可切换其他公司
Axos Financial, Inc.的季度营收约是FNB CORP的1.1倍（$385.1M vs $366.0M），FNB CORP净利率更高（45.9% vs 33.3%，领先12.6%），Axos Financial, Inc.同比增速更快（25.1% vs 13.7%），FNB CORP自由现金流更多（$99.0M vs $85.4M），过去两年Axos Financial, Inc.的营收复合增速更高（14.3% vs 7.1%）
Axos Financial是总部位于美国内华达州拉斯维加斯的银行控股公司，旗下拥有直销银行Axos Bank，同时提供注册投资顾问服务及电子交易平台，深耕数字化金融赛道，可为用户提供多元便捷的金融服务解决方案。
FNB集团是总部位于美国宾夕法尼亚州匹兹堡的多元化金融服务机构，为旗下最大子公司第一国民银行的控股主体，截至2025年12月31日总资产超500亿美元，业务覆盖匹兹堡、巴尔的摩、克利夫兰、华盛顿特区、北卡罗来纳州多座城市及南卡罗来纳州查尔斯顿等核心都会区。
AX vs FNB — 直观对比
营收规模更大
AX
是对方的1.1倍
$366.0M
营收增速更快
AX
高出11.4%
13.7%
净利率更高
FNB
高出12.6%
33.3%
自由现金流更多
FNB
多$13.6M
$85.4M
两年增速更快
AX
近两年复合增速
7.1%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $385.1M | $366.0M |
| 净利润 | $128.4M | $168.0M |
| 毛利率 | — | — |
| 营业利润率 | 45.6% | 45.1% |
| 净利率 | 33.3% | 45.9% |
| 营收同比 | 25.1% | 13.7% |
| 净利润同比 | 22.6% | 52.7% |
| 每股收益（稀释后） | $2.22 | $0.47 |
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AXFNB
| Q4 25 | $385.1M | $366.0M | ||
| Q3 25 | $323.4M | $359.0M | ||
| Q2 25 | $321.4M | $348.0M | ||
| Q1 25 | $308.8M | $323.0M | ||
| Q4 24 | $307.9M | $322.0M | ||
| Q3 24 | $320.7M | $323.0M | ||
| Q2 24 | $290.9M | $316.0M | ||
| Q1 24 | $294.8M | $319.0M |
净利润AXFNB
| Q4 25 | $128.4M | $168.0M | ||
| Q3 25 | $112.4M | $150.0M | ||
| Q2 25 | $110.7M | $130.0M | ||
| Q1 25 | $105.2M | $117.0M | ||
| Q4 24 | $104.7M | $110.0M | ||
| Q3 24 | $112.3M | $110.0M | ||
| Q2 24 | $104.9M | $123.0M | ||
| Q1 24 | $110.7M | $122.0M |
营业利润率AXFNB
| Q4 25 | 45.6% | 45.1% | ||
| Q3 25 | 46.3% | 52.9% | ||
| Q2 25 | 48.5% | 47.7% | ||
| Q1 25 | 47.9% | 45.8% | ||
| Q4 24 | 48.8% | 31.7% | ||
| Q3 24 | 49.6% | 43.3% | ||
| Q2 24 | 49.6% | 49.7% | ||
| Q1 24 | 52.8% | 48.9% |
净利率AXFNB
| Q4 25 | 33.3% | 45.9% | ||
| Q3 25 | 34.7% | 41.8% | ||
| Q2 25 | 34.4% | 37.4% | ||
| Q1 25 | 34.1% | 36.2% | ||
| Q4 24 | 34.0% | 34.2% | ||
| Q3 24 | 35.0% | 34.1% | ||
| Q2 24 | 36.0% | 38.9% | ||
| Q1 24 | 37.6% | 38.2% |
每股收益（稀释后）AXFNB
| Q4 25 | $2.22 | $0.47 | ||
| Q3 25 | $1.94 | $0.41 | ||
| Q2 25 | $1.89 | $0.36 | ||
| Q1 25 | $1.81 | $0.32 | ||
| Q4 24 | $1.80 | $0.31 | ||
| Q3 24 | $1.93 | $0.30 | ||
| Q2 24 | $1.75 | $0.34 | ||
| Q1 24 | $1.91 | $0.32 |
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 | $1.0B | $2.5B |
| 总债务越低越好 | — | $1.9B |
| 股东权益账面价值 | $2.9B | $6.8B |
| 总资产 | $28.2B | $50.2B |
| 负债/权益比越低杠杆越低 | — | 0.28× |
8季度趋势，按日历期对齐
现金及短期投资AXFNB
| Q4 25 | $1.0B | $2.5B | ||
| Q3 25 | $2.6B | $2.4B | ||
| Q2 25 | $1.9B | $2.4B | ||
| Q1 25 | $2.0B | $2.4B | ||
| Q4 24 | $2.4B | $2.4B | ||
| Q3 24 | $2.6B | $2.1B | ||
| Q2 24 | $2.0B | $1.9B | ||
| Q1 24 | $2.1B | $1.5B |
总债务AXFNB
| Q4 25 | — | $1.9B | ||
| Q3 25 | — | $2.1B | ||
| Q2 25 | $312.7M | $2.7B | ||
| Q1 25 | $377.4M | $2.5B | ||
| Q4 24 | $358.7M | $3.0B | ||
| Q3 24 | $313.5M | $2.5B | ||
| Q2 24 | $325.7M | $2.0B | ||
| Q1 24 | $330.4M | $2.1B |
股东权益AXFNB
| Q4 25 | $2.9B | $6.8B | ||
| Q3 25 | $2.8B | $6.6B | ||
| Q2 25 | $2.7B | $6.5B | ||
| Q1 25 | $2.6B | $6.4B | ||
| Q4 24 | $2.5B | $6.3B | ||
| Q3 24 | $2.4B | $6.2B | ||
| Q2 24 | $2.3B | $6.1B | ||
| Q1 24 | $2.2B | $6.0B |
总资产AXFNB
| Q4 25 | $28.2B | $50.2B | ||
| Q3 25 | $27.4B | $49.9B | ||
| Q2 25 | $24.8B | $49.7B | ||
| Q1 25 | $24.0B | $49.0B | ||
| Q4 24 | $23.7B | $48.6B | ||
| Q3 24 | $23.6B | $48.0B | ||
| Q2 24 | $22.9B | $47.7B | ||
| Q1 24 | $22.6B | $45.9B |
负债/权益比AXFNB
| Q4 25 | — | 0.28× | ||
| Q3 25 | — | 0.32× | ||
| Q2 25 | 0.12× | 0.41× | ||
| Q1 25 | 0.14× | 0.39× | ||
| Q4 24 | 0.14× | 0.48× | ||
| Q3 24 | 0.13× | 0.40× | ||
| Q2 24 | 0.14× | 0.33× | ||
| Q1 24 | 0.15× | 0.35× |
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 | $104.1M | $128.0M |
| 自由现金流经营现金流 - 资本支出 | $85.4M | $99.0M |
| 自由现金流率自由现金流/营收 | 22.2% | 27.0% |
| 资本支出强度资本支出/营收 | 4.9% | 7.9% |
| 现金转化率经营现金流/净利润 | 0.81× | 0.76× |
| 过去12个月自由现金流最近4个季度 | $695.9M | $376.0M |
8季度趋势，按日历期对齐
经营现金流AXFNB
| Q4 25 | $104.1M | $128.0M | ||
| Q3 25 | $118.4M | $167.0M | ||
| Q2 25 | $490.3M | $123.0M | ||
| Q1 25 | $73.7M | $64.0M | ||
| Q4 24 | $162.5M | $326.0M | ||
| Q3 24 | $70.8M | $-14.0M | ||
| Q2 24 | $305.5M | $85.0M | ||
| Q1 24 | $115.8M | $245.0M |
自由现金流AXFNB
| Q4 25 | $85.4M | $99.0M | ||
| Q3 25 | $109.3M | $149.0M | ||
| Q2 25 | $436.1M | $85.0M | ||
| Q1 25 | $65.1M | $43.0M | ||
| Q4 24 | $156.4M | $278.0M | ||
| Q3 24 | $53.0M | $-46.0M | ||
| Q2 24 | $269.5M | $55.0M | ||
| Q1 24 | $107.3M | $216.0M |
自由现金流率AXFNB
| Q4 25 | 22.2% | 27.0% | ||
| Q3 25 | 33.8% | 41.5% | ||
| Q2 25 | 135.7% | 24.4% | ||
| Q1 25 | 21.1% | 13.3% | ||
| Q4 24 | 50.8% | 86.3% | ||
| Q3 24 | 16.5% | -14.2% | ||
| Q2 24 | 92.6% | 17.4% | ||
| Q1 24 | 36.4% | 67.7% |
资本支出强度AXFNB
| Q4 25 | 4.9% | 7.9% | ||
| Q3 25 | 2.8% | 5.0% | ||
| Q2 25 | 16.9% | 10.9% | ||
| Q1 25 | 2.8% | 6.5% | ||
| Q4 24 | 2.0% | 14.9% | ||
| Q3 24 | 5.5% | 9.9% | ||
| Q2 24 | 12.4% | 9.5% | ||
| Q1 24 | 2.9% | 9.1% |
现金转化率AXFNB
| Q4 25 | 0.81× | 0.76× | ||
| Q3 25 | 1.05× | 1.11× | ||
| Q2 25 | 4.43× | 0.95× | ||
| Q1 25 | 0.70× | 0.55× | ||
| Q4 24 | 1.55× | 2.96× | ||
| Q3 24 | 0.63× | -0.13× | ||
| Q2 24 | 2.91× | 0.69× | ||
| Q1 24 | 1.05× | 2.01× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
