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FB Bancorp, Inc.（FBLA）与美国合众银行（SMBC）财务数据对比。点击上方公司名可切换其他公司
美国合众银行的季度营收约是FB Bancorp, Inc.的5.1倍（$42.9M vs $8.4M）。美国合众银行净利率更高（42.3% vs -16.7%，领先59.1%）。美国合众银行自由现金流更多（$20.2M vs $13.8M）
FB Bancorp是总部位于美国马里兰州的银行控股公司，主要为当地社区的个人消费者和中小微企业提供商业与零售银行服务，涵盖存款账户、个人及企业贷款、抵押贷款、财富管理等多元金融产品。
美国合众银行是一家总部位于明尼苏达州明尼阿波利斯、在特拉华州注册的美国跨国银行机构，截至2025年是美国第五大银行，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，旗下核心经营实体美国银行全国协会以U.S. Bank名义开展业务，提供银行、投资、抵押等相关金融服务。
FBLA vs SMBC — 直观对比
营收规模更大
SMBC
是对方的5.1倍
$8.4M
净利率更高
SMBC
高出59.1%
-16.7%
自由现金流更多
SMBC
多$6.3M
$13.8M
损益表 — Q4 2025 vs Q2 2026
| 指标 | | |
|---|---|---|
| 营收 | $8.4M | $42.9M |
| 净利润 | $-1.4M | $18.1M |
| 毛利率 | — | — |
| 营业利润率 | 17.8% | 52.9% |
| 净利率 | -16.7% | 42.3% |
| 营收同比 | — | 12.4% |
| 净利润同比 | — | 23.9% |
| 每股收益（稀释后） | $-0.08 | $1.62 |
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FBLASMBC
| Q4 25 | $8.4M | $42.9M | ||
| Q3 25 | $18.7M | $42.4M | ||
| Q2 25 | $18.1M | $40.3M | ||
| Q1 25 | $17.2M | $39.5M | ||
| Q4 24 | — | $38.1M | ||
| Q3 24 | $16.8M | $36.7M | ||
| Q2 24 | $10.9M | $35.1M | ||
| Q1 24 | — | $34.5M |
净利润FBLASMBC
| Q4 25 | $-1.4M | $18.1M | ||
| Q3 25 | $1.1M | $15.7M | ||
| Q2 25 | $879.0K | $15.8M | ||
| Q1 25 | $705.0K | $15.7M | ||
| Q4 24 | — | $14.7M | ||
| Q3 24 | $-895.0K | $12.5M | ||
| Q2 24 | $849.0K | $13.5M | ||
| Q1 24 | — | $11.3M |
营业利润率FBLASMBC
| Q4 25 | 17.8% | 52.9% | ||
| Q3 25 | 7.1% | 45.8% | ||
| Q2 25 | 6.1% | 47.4% | ||
| Q1 25 | 5.1% | 50.2% | ||
| Q4 24 | — | 50.3% | ||
| Q3 24 | -6.8% | 43.2% | ||
| Q2 24 | 10.0% | 48.3% | ||
| Q1 24 | — | 41.0% |
净利率FBLASMBC
| Q4 25 | -16.7% | 42.3% | ||
| Q3 25 | 5.8% | 36.9% | ||
| Q2 25 | 4.9% | 39.1% | ||
| Q1 25 | 4.1% | 39.7% | ||
| Q4 24 | — | 38.4% | ||
| Q3 24 | -5.3% | 34.0% | ||
| Q2 24 | 7.8% | 38.6% | ||
| Q1 24 | — | 32.8% |
每股收益（稀释后）FBLASMBC
| Q4 25 | $-0.08 | $1.62 | ||
| Q3 25 | $0.06 | $1.38 | ||
| Q2 25 | $0.05 | $1.39 | ||
| Q1 25 | $0.04 | $1.39 | ||
| Q4 24 | — | $1.30 | ||
| Q3 24 | $0.00 | $1.10 | ||
| Q2 24 | $0.00 | $1.20 | ||
| Q1 24 | — | $0.99 |
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 | $60.3M | $134.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $314.4M | $567.4M |
| 总资产 | $1.3B | $5.1B |
| 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FBLASMBC
| Q4 25 | $60.3M | $134.1M | ||
| Q3 25 | $65.7M | $124.1M | ||
| Q2 25 | $86.1M | $192.9M | ||
| Q1 25 | $98.6M | $226.9M | ||
| Q4 24 | — | $145.8M | ||
| Q3 24 | $293.5M | $75.3M | ||
| Q2 24 | $59.4M | $60.9M | ||
| Q1 24 | — | $168.3M |
股东权益FBLASMBC
| Q4 25 | $314.4M | $567.4M | ||
| Q3 25 | $338.2M | $560.2M | ||
| Q2 25 | $332.1M | $544.7M | ||
| Q1 25 | $331.4M | $528.8M | ||
| Q4 24 | — | $512.4M | ||
| Q3 24 | $161.5M | $505.6M | ||
| Q2 24 | $155.7M | $488.7M | ||
| Q1 24 | — | $479.6M |
总资产FBLASMBC
| Q4 25 | $1.3B | $5.1B | ||
| Q3 25 | $1.3B | $5.0B | ||
| Q2 25 | $1.2B | $5.0B | ||
| Q1 25 | $1.2B | $5.0B | ||
| Q4 24 | — | $4.9B | ||
| Q3 24 | $1.4B | $4.7B | ||
| Q2 24 | $1.2B | $4.6B | ||
| Q1 24 | — | $4.6B |
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 | $14.2M | $21.3M |
| 自由现金流经营现金流 - 资本支出 | $13.8M | $20.2M |
| 自由现金流率自由现金流/营收 | 163.8% | 47.0% |
| 资本支出强度资本支出/营收 | 4.9% | 2.6% |
| 现金转化率经营现金流/净利润 | — | 1.17× |
| 过去12个月自由现金流最近4个季度 | $-3.9M | $84.1M |
8季度趋势，按日历期对齐
经营现金流FBLASMBC
| Q4 25 | $14.2M | $21.3M | ||
| Q3 25 | $-16.8M | $16.3M | ||
| Q2 25 | $-1.7M | $27.3M | ||
| Q1 25 | $7.0M | $24.1M | ||
| Q4 24 | — | $20.1M | ||
| Q3 24 | $215.0K | $10.0M | ||
| Q2 24 | — | $15.2M | ||
| Q1 24 | — | $23.9M |
自由现金流FBLASMBC
| Q4 25 | $13.8M | $20.2M | ||
| Q3 25 | $-18.3M | $15.4M | ||
| Q2 25 | $-3.4M | $25.8M | ||
| Q1 25 | $4.0M | $22.7M | ||
| Q4 24 | — | $18.2M | ||
| Q3 24 | $-1.2M | $8.6M | ||
| Q2 24 | — | $13.3M | ||
| Q1 24 | — | $19.6M |
自由现金流率FBLASMBC
| Q4 25 | 163.8% | 47.0% | ||
| Q3 25 | -97.7% | 36.3% | ||
| Q2 25 | -18.7% | 64.1% | ||
| Q1 25 | 23.2% | 57.6% | ||
| Q4 24 | — | 47.6% | ||
| Q3 24 | -7.1% | 23.4% | ||
| Q2 24 | — | 37.9% | ||
| Q1 24 | — | 56.7% |
资本支出强度FBLASMBC
| Q4 25 | 4.9% | 2.6% | ||
| Q3 25 | 7.8% | 2.1% | ||
| Q2 25 | 9.5% | 3.7% | ||
| Q1 25 | 17.7% | 3.5% | ||
| Q4 24 | — | 5.2% | ||
| Q3 24 | 8.4% | 3.9% | ||
| Q2 24 | — | 5.5% | ||
| Q1 24 | — | 12.5% |
现金转化率FBLASMBC
| Q4 25 | — | 1.17× | ||
| Q3 25 | -15.59× | 1.04× | ||
| Q2 25 | -1.89× | 1.73× | ||
| Q1 25 | 9.98× | 1.54× | ||
| Q4 24 | — | 1.37× | ||
| Q3 24 | — | 0.80× | ||
| Q2 24 | — | 1.12× | ||
| Q1 24 | — | 2.11× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
