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FIRST BANCORP（FBP）与Forestar Group Inc.（FOR）财务数据对比。点击上方公司名可切换其他公司
Forestar Group Inc.的季度营收约是FIRST BANCORP的1.1倍（$273.0M vs $257.2M），FIRST BANCORP净利率更高（33.9% vs 5.6%，领先28.2%），Forestar Group Inc.同比增速更快（9.0% vs 6.5%），FIRST BANCORP自由现金流更多（$103.2M vs $-157.1M），过去两年FIRST BANCORP的营收复合增速更高（5.6% vs -9.6%）
第一中西部银行总部位于美国伊利诺伊州芝加哥市，地处奥黑尔机场东侧，其前身可追溯至伊利诺伊州乔利埃特市。发展至今，该行服务范围覆盖芝加哥众多郊区，包括印第安纳州西北部、伊利诺伊州南部、威斯康星州东南部以及含爱荷华州在内的四城地区，是美国规模最大的银行机构之一。
福雷斯特集团是一家住宅地块开发企业，总部位于得克萨斯州阿灵顿，业务覆盖美国21个州的51个市场。截至2020年12月31日的12个月内，该公司交付了11518块住宅地块，目前在纽约证券交易所上市，自2002年起就是美国规模最大的住宅建筑商D.R. Horton的控股子公司。
FBP vs FOR — 直观对比
营收规模更大
FOR
是对方的1.1倍
$257.2M
营收增速更快
FOR
高出2.5%
6.5%
净利率更高
FBP
高出28.2%
5.6%
自由现金流更多
FBP
多$260.3M
$-157.1M
两年增速更快
FBP
近两年复合增速
-9.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $257.2M | $273.0M |
| 净利润 | $87.1M | $15.4M |
| 毛利率 | — | 20.1% |
| 营业利润率 | 41.7% | 7.6% |
| 净利率 | 33.9% | 5.6% |
| 营收同比 | 6.5% | 9.0% |
| 净利润同比 | 15.1% | -6.7% |
| 每股收益（稀释后） | $0.55 | $0.30 |
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FBPFOR
| Q4 25 | $257.2M | $273.0M | ||
| Q3 25 | $248.7M | $670.5M | ||
| Q2 25 | $246.8M | $390.5M | ||
| Q1 25 | $248.1M | $351.0M | ||
| Q4 24 | $241.5M | $250.4M | ||
| Q3 24 | $234.6M | $551.3M | ||
| Q2 24 | $231.7M | $318.4M | ||
| Q1 24 | $230.5M | $333.8M |
净利润FBPFOR
| Q4 25 | $87.1M | $15.4M | ||
| Q3 25 | $100.5M | $86.9M | ||
| Q2 25 | $80.2M | $32.9M | ||
| Q1 25 | $77.1M | $31.6M | ||
| Q4 24 | $75.7M | $16.5M | ||
| Q3 24 | $73.7M | $81.5M | ||
| Q2 24 | $75.8M | $38.7M | ||
| Q1 24 | $73.5M | $45.0M |
毛利率FBPFOR
| Q4 25 | — | 20.1% | ||
| Q3 25 | — | 22.3% | ||
| Q2 25 | — | 20.4% | ||
| Q1 25 | — | 22.6% | ||
| Q4 24 | — | 22.0% | ||
| Q3 24 | — | 23.9% | ||
| Q2 24 | — | 22.5% | ||
| Q1 24 | — | 24.9% |
营业利润率FBPFOR
| Q4 25 | 41.7% | 7.6% | ||
| Q3 25 | 42.7% | 16.9% | ||
| Q2 25 | 41.7% | 11.2% | ||
| Q1 25 | 40.4% | 11.6% | ||
| Q4 24 | 39.8% | 8.7% | ||
| Q3 24 | 41.1% | 19.7% | ||
| Q2 24 | 43.8% | 16.2% | ||
| Q1 24 | 42.3% | 17.6% |
净利率FBPFOR
| Q4 25 | 33.9% | 5.6% | ||
| Q3 25 | 40.4% | 13.0% | ||
| Q2 25 | 32.5% | 8.4% | ||
| Q1 25 | 31.1% | 9.0% | ||
| Q4 24 | 31.4% | 6.6% | ||
| Q3 24 | 31.4% | 14.8% | ||
| Q2 24 | 32.7% | 12.2% | ||
| Q1 24 | 31.9% | 13.5% |
每股收益（稀释后）FBPFOR
| Q4 25 | $0.55 | $0.30 | ||
| Q3 25 | $0.63 | $1.70 | ||
| Q2 25 | $0.50 | $0.65 | ||
| Q1 25 | $0.47 | $0.62 | ||
| Q4 24 | $0.46 | $0.32 | ||
| Q3 24 | $0.45 | $1.59 | ||
| Q2 24 | $0.46 | $0.76 | ||
| Q1 24 | $0.44 | $0.89 |
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 | — | $211.7M |
| 总债务越低越好 | $290.0M | $793.2M |
| 股东权益账面价值 | $2.0B | $1.8B |
| 总资产 | $19.1B | $3.2B |
| 负债/权益比越低杠杆越低 | 0.15× | 0.44× |
8季度趋势，按日历期对齐
现金及短期投资FBPFOR
| Q4 25 | — | $211.7M | ||
| Q3 25 | — | $379.2M | ||
| Q2 25 | — | $189.2M | ||
| Q1 25 | — | $174.3M | ||
| Q4 24 | — | $132.0M | ||
| Q3 24 | — | $481.2M | ||
| Q2 24 | — | $359.2M | ||
| Q1 24 | — | $416.2M |
总债务FBPFOR
| Q4 25 | $290.0M | $793.2M | ||
| Q3 25 | $290.0M | $802.7M | ||
| Q2 25 | $320.0M | $872.8M | ||
| Q1 25 | $331.1M | $872.5M | ||
| Q4 24 | $561.7M | $806.8M | ||
| Q3 24 | — | $706.4M | ||
| Q2 24 | — | $706.1M | ||
| Q1 24 | — | $705.7M |
股东权益FBPFOR
| Q4 25 | $2.0B | $1.8B | ||
| Q3 25 | $1.9B | $1.8B | ||
| Q2 25 | $1.8B | $1.7B | ||
| Q1 25 | $1.8B | $1.6B | ||
| Q4 24 | $1.7B | $1.6B | ||
| Q3 24 | $1.7B | $1.6B | ||
| Q2 24 | $1.5B | $1.5B | ||
| Q1 24 | $1.5B | $1.5B |
总资产FBPFOR
| Q4 25 | $19.1B | $3.2B | ||
| Q3 25 | $19.3B | $3.1B | ||
| Q2 25 | $18.9B | $3.1B | ||
| Q1 25 | $19.1B | $3.0B | ||
| Q4 24 | $19.3B | $3.0B | ||
| Q3 24 | $18.9B | $2.8B | ||
| Q2 24 | $18.9B | $2.7B | ||
| Q1 24 | $18.9B | $2.6B |
负债/权益比FBPFOR
| Q4 25 | 0.15× | 0.44× | ||
| Q3 25 | 0.15× | 0.45× | ||
| Q2 25 | 0.17× | 0.52× | ||
| Q1 25 | 0.19× | 0.53× | ||
| Q4 24 | 0.34× | 0.50× | ||
| Q3 24 | — | 0.44× | ||
| Q2 24 | — | 0.47× | ||
| Q1 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 | $107.3M | $-157.0M |
| 自由现金流经营现金流 - 资本支出 | $103.2M | $-157.1M |
| 自由现金流率自由现金流/营收 | 40.1% | -57.5% |
| 资本支出强度资本支出/营收 | 1.6% | 0.0% |
| 现金转化率经营现金流/净利润 | 1.23× | -10.19× |
| 过去12个月自由现金流最近4个季度 | $437.5M | $93.0M |
8季度趋势，按日历期对齐
经营现金流FBPFOR
| Q4 25 | $107.3M | $-157.0M | ||
| Q3 25 | $137.6M | $256.3M | ||
| Q2 25 | $95.4M | $15.8M | ||
| Q1 25 | $108.2M | $-19.8M | ||
| Q4 24 | $96.8M | $-450.0M | ||
| Q3 24 | $118.0M | $119.2M | ||
| Q2 24 | $71.1M | $-61.7M | ||
| Q1 24 | $118.2M | $-59.2M |
自由现金流FBPFOR
| Q4 25 | $103.2M | $-157.1M | ||
| Q3 25 | $134.8M | $255.6M | ||
| Q2 25 | $92.8M | $15.0M | ||
| Q1 25 | $106.7M | $-20.5M | ||
| Q4 24 | $95.2M | — | ||
| Q3 24 | $115.4M | $118.4M | ||
| Q2 24 | $69.4M | $-62.3M | ||
| Q1 24 | $114.1M | $-59.8M |
自由现金流率FBPFOR
| Q4 25 | 40.1% | -57.5% | ||
| Q3 25 | 54.2% | 38.1% | ||
| Q2 25 | 37.6% | 3.8% | ||
| Q1 25 | 43.0% | -5.8% | ||
| Q4 24 | 39.4% | — | ||
| Q3 24 | 49.2% | 21.5% | ||
| Q2 24 | 30.0% | -19.6% | ||
| Q1 24 | 49.5% | -17.9% |
资本支出强度FBPFOR
| Q4 25 | 1.6% | 0.0% | ||
| Q3 25 | 1.2% | 0.1% | ||
| Q2 25 | 1.1% | 0.2% | ||
| Q1 25 | 0.6% | 0.2% | ||
| Q4 24 | 0.7% | 0.0% | ||
| Q3 24 | 1.1% | 0.1% | ||
| Q2 24 | 0.7% | 0.2% | ||
| Q1 24 | 1.8% | 0.2% |
现金转化率FBPFOR
| Q4 25 | 1.23× | -10.19× | ||
| Q3 25 | 1.37× | 2.95× | ||
| Q2 25 | 1.19× | 0.48× | ||
| Q1 25 | 1.40× | -0.63× | ||
| Q4 24 | 1.28× | -27.27× | ||
| Q3 24 | 1.60× | 1.46× | ||
| Q2 24 | 0.94× | -1.59× | ||
| Q1 24 | 1.61× | -1.32× |
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
FBP
| Consumer Retail Banking Segment | $171.5M | 67% |
| Commercial And Corporate Segment | $46.9M | 18% |
| Mortgage Banking Segment | $22.4M | 9% |
| Virgin Islands Operations Segment | $18.6M | 7% |
FOR
| D.R.Horton Inc. | $183.8M | 67% |
| Other | $89.2M | 33% |
