vs
Bandwidth Inc.（BAND）与OFG BANCORP（OFG）财务数据对比。点击上方公司名可切换其他公司
Bandwidth Inc.的季度营收约是OFG BANCORP的1.1倍（$208.8M vs $184.3M），OFG BANCORP净利率更高（30.3% vs 1.9%，领先28.4%），Bandwidth Inc.同比增速更快（20.1% vs 0.9%），OFG BANCORP自由现金流更多（$199.3M vs $-1.0M），过去两年Bandwidth Inc.的营收复合增速更高（9.7% vs 2.8%）
Bandwidth Inc.是一家通信平台即服务提供商，依托自有全球IP语音网络，为客户提供语音、短信及应急服务相关的软件API产品，帮助开发者便捷集成通信功能，全球客户可借助其方案快速搭建符合需求的通信服务体系。
OFG Bancorp成立于1964年，总部位于波多黎各圣胡安，是东方银行的金融控股公司。公司通过东方银行、东方金融服务有限责任公司、东方保险有限责任公司等核心子公司，主要面向波多黎各和美属维尔京群岛市场，提供多元化的零售与商业银行、贷款、财富管理相关产品、服务及技术解决方案。
BAND vs OFG — 直观对比
营收规模更大
BAND
是对方的1.1倍
$184.3M
营收增速更快
BAND
高出19.2%
0.9%
净利率更高
OFG
高出28.4%
1.9%
自由现金流更多
OFG
多$200.3M
$-1.0M
两年增速更快
BAND
近两年复合增速
2.8%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $208.8M | $184.3M |
| 净利润 | $4.0M | $55.9M |
| 毛利率 | 37.3% | — |
| 营业利润率 | 60.5% | 25.7% |
| 净利率 | 1.9% | 30.3% |
| 营收同比 | 20.1% | 0.9% |
| 净利润同比 | 200.0% | 11.0% |
| 每股收益（稀释后） | $-0.08 | $1.27 |
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BANDOFG
| Q1 26 | $208.8M | — | ||
| Q4 25 | $207.7M | $184.3M | ||
| Q3 25 | $191.9M | $186.2M | ||
| Q2 25 | $180.0M | $182.4M | ||
| Q1 25 | $174.2M | $178.6M | ||
| Q4 24 | $210.0M | $182.7M | ||
| Q3 24 | $193.9M | $174.7M | ||
| Q2 24 | $173.6M | $179.8M |
净利润BANDOFG
| Q1 26 | $4.0M | — | ||
| Q4 25 | — | $55.9M | ||
| Q3 25 | $-1.2M | $51.8M | ||
| Q2 25 | $-4.9M | $51.8M | ||
| Q1 25 | $-3.7M | $45.6M | ||
| Q4 24 | — | $50.3M | ||
| Q3 24 | $413.0K | $47.0M | ||
| Q2 24 | $4.1M | $51.1M |
毛利率BANDOFG
| Q1 26 | 37.3% | — | ||
| Q4 25 | 37.6% | — | ||
| Q3 25 | 38.5% | — | ||
| Q2 25 | 39.8% | — | ||
| Q1 25 | 41.0% | — | ||
| Q4 24 | 36.4% | — | ||
| Q3 24 | 37.7% | — | ||
| Q2 24 | 37.3% | — |
营业利润率BANDOFG
| Q1 26 | 60.5% | — | ||
| Q4 25 | -1.9% | 25.7% | ||
| Q3 25 | -1.0% | 33.0% | ||
| Q2 25 | -2.1% | 36.1% | ||
| Q1 25 | -2.7% | 33.3% | ||
| Q4 24 | -1.3% | 28.9% | ||
| Q3 24 | -0.5% | 35.4% | ||
| Q2 24 | -3.5% | 39.6% |
净利率BANDOFG
| Q1 26 | 1.9% | — | ||
| Q4 25 | — | 30.3% | ||
| Q3 25 | -0.6% | 27.8% | ||
| Q2 25 | -2.7% | 28.4% | ||
| Q1 25 | -2.1% | 25.5% | ||
| Q4 24 | — | 27.6% | ||
| Q3 24 | 0.2% | 26.9% | ||
| Q2 24 | 2.3% | 28.4% |
每股收益（稀释后）BANDOFG
| Q1 26 | $-0.08 | — | ||
| Q4 25 | $-0.10 | $1.27 | ||
| Q3 25 | $-0.04 | $1.16 | ||
| Q2 25 | $-0.16 | $1.15 | ||
| Q1 25 | $-0.13 | $1.00 | ||
| Q4 24 | $0.27 | $1.10 | ||
| Q3 24 | $0.01 | $1.00 | ||
| Q2 24 | $-0.17 | $1.08 |
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 | $47.3M | $1.0B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $405.7M | $1.4B |
| 总资产 | $984.2M | $12.5B |
| 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BANDOFG
| Q1 26 | $47.3M | — | ||
| Q4 25 | $111.3M | $1.0B | ||
| Q3 25 | $80.4M | $740.3M | ||
| Q2 25 | $68.1M | $851.8M | ||
| Q1 25 | $41.7M | $710.6M | ||
| Q4 24 | $83.8M | $591.1M | ||
| Q3 24 | $79.9M | $680.6M | ||
| Q2 24 | $76.4M | $740.4M |
股东权益BANDOFG
| Q1 26 | $405.7M | — | ||
| Q4 25 | $400.0M | $1.4B | ||
| Q3 25 | $392.7M | $1.4B | ||
| Q2 25 | $384.5M | $1.3B | ||
| Q1 25 | $345.4M | $1.3B | ||
| Q4 24 | $312.5M | $1.3B | ||
| Q3 24 | $336.6M | $1.3B | ||
| Q2 24 | $307.4M | $1.2B |
总资产BANDOFG
| Q1 26 | $984.2M | — | ||
| Q4 25 | $1.1B | $12.5B | ||
| Q3 25 | $1.0B | $12.2B | ||
| Q2 25 | $1.0B | $12.2B | ||
| Q1 25 | $964.4M | $11.7B | ||
| Q4 24 | $989.2M | $11.5B | ||
| Q3 24 | $1.0B | $11.5B | ||
| Q2 24 | $1.0B | $11.3B |
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 | — | $217.7M |
| 自由现金流经营现金流 - 资本支出 | $-1.0M | $199.3M |
| 自由现金流率自由现金流/营收 | -0.5% | 108.1% |
| 资本支出强度资本支出/营收 | — | 10.0% |
| 现金转化率经营现金流/净利润 | — | 3.90× |
| 过去12个月自由现金流最近4个季度 | — | $345.4M |
8季度趋势，按日历期对齐
经营现金流BANDOFG
| Q1 26 | — | — | ||
| Q4 25 | $38.6M | $217.7M | ||
| Q3 25 | $22.2M | $39.5M | ||
| Q2 25 | $31.7M | $35.9M | ||
| Q1 25 | $-3.1M | $83.1M | ||
| Q4 24 | $36.5M | $252.5M | ||
| Q3 24 | $20.5M | $58.1M | ||
| Q2 24 | $24.4M | $95.1M |
自由现金流BANDOFG
| Q1 26 | $-1.0M | — | ||
| Q4 25 | — | $199.3M | ||
| Q3 25 | — | $35.5M | ||
| Q2 25 | — | $31.8M | ||
| Q1 25 | — | $78.7M | ||
| Q4 24 | — | $231.2M | ||
| Q3 24 | — | $51.8M | ||
| Q2 24 | — | $90.4M |
自由现金流率BANDOFG
| Q1 26 | -0.5% | — | ||
| Q4 25 | — | 108.1% | ||
| Q3 25 | — | 19.1% | ||
| Q2 25 | — | 17.4% | ||
| Q1 25 | — | 44.1% | ||
| Q4 24 | — | 126.5% | ||
| Q3 24 | — | 29.6% | ||
| Q2 24 | — | 50.3% |
资本支出强度BANDOFG
| Q1 26 | — | — | ||
| Q4 25 | — | 10.0% | ||
| Q3 25 | — | 2.1% | ||
| Q2 25 | — | 2.3% | ||
| Q1 25 | — | 2.4% | ||
| Q4 24 | — | 11.7% | ||
| Q3 24 | — | 3.6% | ||
| Q2 24 | — | 2.6% |
现金转化率BANDOFG
| Q1 26 | — | — | ||
| Q4 25 | — | 3.90× | ||
| Q3 25 | — | 0.76× | ||
| Q2 25 | — | 0.69× | ||
| Q1 25 | — | 1.82× | ||
| Q4 24 | — | 5.02× | ||
| Q3 24 | 49.55× | 1.24× | ||
| Q2 24 | 6.03× | 1.86× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
