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CREATIVE REALITIES, INC.（CREX）与合众银行（FSBC）财务数据对比。点击上方公司名可切换其他公司
合众银行的季度营收约是CREATIVE REALITIES, INC.的1.9倍（$45.1M vs $23.9M），合众银行净利率更高（41.3% vs -8.2%，领先49.5%），过去两年CREATIVE REALITIES, INC.的营收复合增速更高（39.5% vs 21.3%）
Creative Realities, Inc.是一家端到端沉浸式数字体验解决方案提供商，主营互动数字标牌、内容管理软件及定制体验设计服务，主要面向北美零售、酒店、医疗、企业办公及公共领域客户，助力品牌提升客户参与度与运营效率。
合众银行是总部设在美国明尼阿波利斯、在特拉华州注册的美国跨国银行机构，截至2025年为美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的银行。它旗下核心运营实体为美国银行全国协会，以US Bank品牌开展业务，提供银行、投资、抵押等金融服务。
CREX vs FSBC — 直观对比
营收规模更大
FSBC
是对方的1.9倍
$23.9M
净利率更高
FSBC
高出49.5%
-8.2%
两年增速更快
CREX
近两年复合增速
21.3%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $23.9M | $45.1M |
| 净利润 | $-2.0M | $18.6M |
| 毛利率 | 47.9% | — |
| 营业利润率 | 1.9% | — |
| 净利率 | -8.2% | 41.3% |
| 营收同比 | 117.2% | — |
| 净利润同比 | 30.8% | 42.0% |
| 每股收益（稀释后） | — | $0.87 |
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CREXFSBC
| Q1 26 | — | $45.1M | ||
| Q4 25 | $23.9M | $43.5M | ||
| Q3 25 | $10.5M | $41.3M | ||
| Q2 25 | $13.0M | $38.3M | ||
| Q1 25 | $9.7M | $35.3M | ||
| Q4 24 | $11.0M | $35.2M | ||
| Q3 24 | $14.4M | $31.8M | ||
| Q2 24 | $13.1M | $30.7M |
净利润CREXFSBC
| Q1 26 | — | $18.6M | ||
| Q4 25 | $-2.0M | $17.6M | ||
| Q3 25 | $-7.9M | $16.3M | ||
| Q2 25 | $-1.8M | $14.5M | ||
| Q1 25 | $3.4M | $13.1M | ||
| Q4 24 | $-2.8M | $13.3M | ||
| Q3 24 | $54.0K | $10.9M | ||
| Q2 24 | $-615.0K | $10.8M |
毛利率CREXFSBC
| Q1 26 | — | — | ||
| Q4 25 | 47.9% | — | ||
| Q3 25 | 45.3% | — | ||
| Q2 25 | 38.5% | — | ||
| Q1 25 | 45.7% | — | ||
| Q4 24 | 44.2% | — | ||
| Q3 24 | 45.6% | — | ||
| Q2 24 | 51.8% | — |
营业利润率CREXFSBC
| Q1 26 | — | — | ||
| Q4 25 | 1.9% | 52.9% | ||
| Q3 25 | -68.9% | 53.8% | ||
| Q2 25 | -10.2% | 52.4% | ||
| Q1 25 | -7.4% | 52.0% | ||
| Q4 24 | -6.5% | 55.1% | ||
| Q3 24 | 7.9% | 48.0% | ||
| Q2 24 | 4.5% | 49.4% |
净利率CREXFSBC
| Q1 26 | — | 41.3% | ||
| Q4 25 | -8.2% | 40.6% | ||
| Q3 25 | -74.5% | 39.6% | ||
| Q2 25 | -13.9% | 37.9% | ||
| Q1 25 | 34.6% | 37.1% | ||
| Q4 24 | -25.8% | 37.9% | ||
| Q3 24 | 0.4% | 34.4% | ||
| Q2 24 | -4.7% | 35.2% |
每股收益（稀释后）CREXFSBC
| Q1 26 | — | $0.87 | ||
| Q4 25 | — | $0.83 | ||
| Q3 25 | $-0.75 | $0.77 | ||
| Q2 25 | $-0.17 | $0.68 | ||
| Q1 25 | $0.32 | $0.62 | ||
| Q4 24 | $-0.28 | $0.61 | ||
| Q3 24 | $0.01 | $0.52 | ||
| Q2 24 | $-0.06 | $0.51 |
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 | $1.6M | $644.4M |
| 总债务越低越好 | $44.0M | — |
| 股东权益账面价值 | $21.5M | $458.5M |
| 总资产 | $151.0M | $5.0B |
| 负债/权益比越低杠杆越低 | 2.04× | — |
8季度趋势，按日历期对齐
现金及短期投资CREXFSBC
| Q1 26 | — | $644.4M | ||
| Q4 25 | $1.6M | — | ||
| Q3 25 | $314.0K | — | ||
| Q2 25 | $569.0K | — | ||
| Q1 25 | $1.1M | — | ||
| Q4 24 | $1.0M | — | ||
| Q3 24 | $868.0K | — | ||
| Q2 24 | $4.1M | — |
总债务CREXFSBC
| Q1 26 | — | — | ||
| Q4 25 | $44.0M | — | ||
| Q3 25 | $22.0M | — | ||
| Q2 25 | $19.9M | — | ||
| Q1 25 | $23.0M | — | ||
| Q4 24 | $13.0M | — | ||
| Q3 24 | $10.7M | — | ||
| Q2 24 | $13.6M | — |
股东权益CREXFSBC
| Q1 26 | — | $458.5M | ||
| Q4 25 | $21.5M | $445.8M | ||
| Q3 25 | $21.9M | $431.3M | ||
| Q2 25 | $29.4M | $416.7M | ||
| Q1 25 | $29.9M | $406.5M | ||
| Q4 24 | $25.5M | $396.6M | ||
| Q3 24 | $28.3M | $389.9M | ||
| Q2 24 | $28.2M | $380.5M |
总资产CREXFSBC
| Q1 26 | — | $5.0B | ||
| Q4 25 | $151.0M | $4.8B | ||
| Q3 25 | $61.3M | $4.6B | ||
| Q2 25 | $63.7M | $4.4B | ||
| Q1 25 | $67.0M | $4.2B | ||
| Q4 24 | $65.2M | $4.1B | ||
| Q3 24 | $67.6M | $3.9B | ||
| Q2 24 | $69.6M | $3.6B |
负债/权益比CREXFSBC
| Q1 26 | — | — | ||
| Q4 25 | 2.04× | — | ||
| Q3 25 | 1.00× | — | ||
| Q2 25 | 0.68× | — | ||
| Q1 25 | 0.77× | — | ||
| Q4 24 | 0.51× | — | ||
| Q3 24 | 0.38× | — | ||
| Q2 24 | 0.48× | — |
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 | $-4.5M | — |
| 自由现金流经营现金流 - 资本支出 | $-4.6M | — |
| 自由现金流率自由现金流/营收 | -19.1% | — |
| 资本支出强度资本支出/营收 | 0.4% | — |
| 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 | $-8.1M | — |
8季度趋势，按日历期对齐
经营现金流CREXFSBC
| Q1 26 | — | — | ||
| Q4 25 | $-4.5M | $72.6M | ||
| Q3 25 | $-1.6M | $18.8M | ||
| Q2 25 | $773.0K | $17.8M | ||
| Q1 25 | $-2.4M | $15.5M | ||
| Q4 24 | $-1.4M | $51.8M | ||
| Q3 24 | $544.0K | $17.5M | ||
| Q2 24 | $2.3M | $16.0M |
自由现金流CREXFSBC
| Q1 26 | — | — | ||
| Q4 25 | $-4.6M | $71.4M | ||
| Q3 25 | $-1.7M | $18.6M | ||
| Q2 25 | $672.0K | $17.5M | ||
| Q1 25 | $-2.5M | $15.4M | ||
| Q4 24 | $-1.4M | $51.2M | ||
| Q3 24 | $543.0K | $17.3M | ||
| Q2 24 | $2.3M | $15.8M |
自由现金流率CREXFSBC
| Q1 26 | — | — | ||
| Q4 25 | -19.1% | 164.3% | ||
| Q3 25 | -16.2% | 45.0% | ||
| Q2 25 | 5.2% | 45.8% | ||
| Q1 25 | -25.2% | 43.5% | ||
| Q4 24 | -12.5% | 145.5% | ||
| Q3 24 | 3.8% | 54.5% | ||
| Q2 24 | 17.3% | 51.6% |
资本支出强度CREXFSBC
| Q1 26 | — | — | ||
| Q4 25 | 0.4% | 2.8% | ||
| Q3 25 | 1.0% | 0.5% | ||
| Q2 25 | 0.8% | 0.6% | ||
| Q1 25 | 0.1% | 0.3% | ||
| Q4 24 | 0.0% | 1.8% | ||
| Q3 24 | 0.0% | 0.7% | ||
| Q2 24 | 0.0% | 0.7% |
现金转化率CREXFSBC
| Q1 26 | — | — | ||
| Q4 25 | — | 4.12× | ||
| Q3 25 | — | 1.15× | ||
| Q2 25 | — | 1.23× | ||
| Q1 25 | -0.73× | 1.18× | ||
| Q4 24 | — | 3.89× | ||
| Q3 24 | 10.07× | 1.60× | ||
| Q2 24 | — | 1.49× |
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
CREX
| Service And Other | $17.3M | 72% |
| Managed Services | $4.7M | 20% |
| Installation Services | $1.7M | 7% |
FSBC
| Net Interest Income | $43.5M | 96% |
| Noninterest Income | $1.6M | 4% |
