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Esquire Financial Holdings, Inc.（ESQ）与STEM, INC.（STEM）财务数据对比。点击上方公司名可切换其他公司
STEM, INC.的季度营收约是Esquire Financial Holdings, Inc.的1.2倍（$47.1M vs $40.5M），Esquire Financial Holdings, Inc.净利率更高（30.2% vs -33.9%，领先64.1%），过去两年STEM, INC.的营收复合增速更高（36.1% vs 15.0%）
Esquire Financial Holdings是一家总部位于美国的银行控股公司，提供全面的商业及零售银行服务，核心业务包含存款账户、企业贷款、按揭服务及财富管理解决方案，主要服务中小型企业、法律行业从业者及当地零售客户。
该公司是一家公开上市的生物制药企业，总部位于加利福尼亚州纽瓦克，专注研发纯化人类神经干细胞，旨在治疗中枢神经系统疾病与瘫痪，其所研发的神经干细胞可分化为中枢神经系统的神经元、星形胶质细胞与少突胶质细胞这三大主要细胞类型。
ESQ vs STEM — 直观对比
营收规模更大
STEM
是对方的1.2倍
$40.5M
净利率更高
ESQ
高出64.1%
-33.9%
两年增速更快
STEM
近两年复合增速
15.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $40.5M | $47.1M |
| 净利润 | $12.2M | $-16.0M |
| 毛利率 | — | 48.9% |
| 营业利润率 | — | -17.7% |
| 净利率 | 30.2% | -33.9% |
| 营收同比 | — | -15.6% |
| 净利润同比 | 7.0% | 68.8% |
| 每股收益（稀释后） | $1.40 | $-4.40 |
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ESQSTEM
| Q1 26 | $40.5M | — | ||
| Q4 25 | $39.4M | $47.1M | ||
| Q3 25 | $37.6M | $38.2M | ||
| Q2 25 | $35.8M | $38.4M | ||
| Q1 25 | $33.8M | $32.5M | ||
| Q4 24 | $33.1M | $55.8M | ||
| Q3 24 | $31.9M | $29.3M | ||
| Q2 24 | $30.6M | $34.0M |
净利润ESQSTEM
| Q1 26 | $12.2M | — | ||
| Q4 25 | $13.5M | $-16.0M | ||
| Q3 25 | $14.1M | $-23.8M | ||
| Q2 25 | $11.9M | $202.5M | ||
| Q1 25 | $11.4M | $-25.0M | ||
| Q4 24 | $11.8M | $-51.1M | ||
| Q3 24 | $11.4M | $-148.3M | ||
| Q2 24 | $10.5M | $-582.3M |
毛利率ESQSTEM
| Q1 26 | — | — | ||
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% |
营业利润率ESQSTEM
| Q1 26 | — | — | ||
| Q4 25 | 44.3% | -17.7% | ||
| Q3 25 | 46.5% | -33.6% | ||
| Q2 25 | 42.5% | -34.8% | ||
| Q1 25 | 45.9% | -65.0% | ||
| Q4 24 | 47.4% | -84.4% | ||
| Q3 24 | 48.8% | -493.2% | ||
| Q2 24 | 46.9% | -1705.5% |
净利率ESQSTEM
| Q1 26 | 30.2% | — | ||
| Q4 25 | 34.2% | -33.9% | ||
| Q3 25 | 37.4% | -62.2% | ||
| Q2 25 | 33.2% | 527.8% | ||
| Q1 25 | 33.8% | -76.9% | ||
| Q4 24 | 35.6% | -91.6% | ||
| Q3 24 | 35.6% | -506.3% | ||
| Q2 24 | 34.3% | -1712.6% |
每股收益（稀释后）ESQSTEM
| Q1 26 | $1.40 | — | ||
| Q4 25 | $1.54 | $-4.40 | ||
| Q3 25 | $1.62 | $-2.84 | ||
| Q2 25 | $1.38 | $-1.79 | ||
| Q1 25 | $1.33 | $-0.15 | ||
| Q4 24 | $1.35 | $-15.29 | ||
| Q3 24 | $1.34 | $-18.24 | ||
| Q2 24 | $1.25 | $-71.81 |
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 | $222.2M | $48.9M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $301.3M | $-249.4M |
| 总资产 | $2.4B | $308.9M |
| 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ESQSTEM
| Q1 26 | $222.2M | — | ||
| Q4 25 | $235.9M | $48.9M | ||
| Q3 25 | $240.8M | $43.1M | ||
| Q2 25 | $163.0M | $40.8M | ||
| Q1 25 | $173.0M | $58.6M | ||
| Q4 24 | $126.3M | $56.3M | ||
| Q3 24 | $147.7M | $75.4M | ||
| Q2 24 | $152.7M | $89.6M |
股东权益ESQSTEM
| Q1 26 | $301.3M | — | ||
| Q4 25 | $289.6M | $-249.4M | ||
| Q3 25 | $279.2M | $-235.7M | ||
| Q2 25 | $263.6M | $-214.1M | ||
| Q1 25 | $250.7M | $-417.5M | ||
| Q4 24 | $237.1M | $-398.4M | ||
| Q3 24 | $232.6M | $-344.1M | ||
| Q2 24 | $217.4M | $-203.2M |
总资产ESQSTEM
| Q1 26 | $2.4B | — | ||
| Q4 25 | $2.4B | $308.9M | ||
| Q3 25 | $2.2B | $362.6M | ||
| Q2 25 | $2.1B | $379.2M | ||
| Q1 25 | $2.0B | $405.1M | ||
| Q4 24 | $1.9B | $437.4M | ||
| Q3 24 | $1.8B | $537.8M | ||
| Q2 24 | $1.7B | $691.5M |
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 | — | $8.2M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 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季度趋势，按日历期对齐
经营现金流ESQSTEM
| Q1 26 | — | — | ||
| Q4 25 | $59.8M | $8.2M | ||
| Q3 25 | $16.8M | $11.4M | ||
| Q2 25 | $10.5M | $-21.3M | ||
| Q1 25 | $15.8M | $8.5M | ||
| Q4 24 | $42.2M | $-14.7M | ||
| Q3 24 | $10.5M | $-9.4M | ||
| Q2 24 | $7.2M | $-11.9M |
自由现金流ESQSTEM
| Q1 26 | — | — | ||
| Q4 25 | $56.7M | — | ||
| Q3 25 | $16.2M | — | ||
| Q2 25 | $9.3M | — | ||
| Q1 25 | $14.7M | — | ||
| Q4 24 | $41.5M | — | ||
| Q3 24 | $10.5M | — | ||
| Q2 24 | $6.9M | — |
自由现金流率ESQSTEM
| Q1 26 | — | — | ||
| Q4 25 | 143.9% | — | ||
| Q3 25 | 43.2% | — | ||
| Q2 25 | 26.0% | — | ||
| Q1 25 | 43.4% | — | ||
| Q4 24 | 125.5% | — | ||
| Q3 24 | 32.8% | — | ||
| Q2 24 | 22.5% | — |
资本支出强度ESQSTEM
| Q1 26 | — | — | ||
| Q4 25 | 8.0% | — | ||
| Q3 25 | 1.3% | — | ||
| Q2 25 | 3.2% | — | ||
| Q1 25 | 3.4% | — | ||
| Q4 24 | 2.2% | — | ||
| Q3 24 | 0.2% | — | ||
| Q2 24 | 1.1% | — |
现金转化率ESQSTEM
| Q1 26 | — | — | ||
| Q4 25 | 4.44× | — | ||
| Q3 25 | 1.19× | — | ||
| Q2 25 | 0.88× | -0.11× | ||
| Q1 25 | 1.39× | — | ||
| Q4 24 | 3.59× | — | ||
| Q3 24 | 0.93× | — | ||
| Q2 24 | 0.69× | — |
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
ESQ
| Net Interest Income | $34.0M | 84% |
| Noninterest Income | $6.5M | 16% |
STEM
暂无分部数据
