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FIRST BANCORP（FBP）与百胜餐饮集团（LCUT）财务数据对比。点击上方公司名可切换其他公司
FIRST BANCORP的季度营收约是百胜餐饮集团的1.3倍（$257.2M vs $204.1M），FIRST BANCORP净利率更高（33.9% vs 8.9%，领先25.0%），FIRST BANCORP同比增速更快（6.5% vs -5.2%），FIRST BANCORP自由现金流更多（$103.2M vs $2.6M），过去两年百胜餐饮集团的营收复合增速更高（19.8% vs 5.6%）
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。
百胜餐饮集团是美国跨国快餐企业，1977年百事可乐收购肯德基、必胜客、塔可Bell后将其整合为旗下子公司，1997年百事剥离该业务板块后正式独立为百胜集团。集团目前运营肯德基、必胜客、塔可Bell、哈比特汉堡等多个餐饮品牌，同时布局相关餐饮科技业务，门店网络遍布全球多个国家和地区。
FBP vs LCUT — 直观对比
营收规模更大
FBP
是对方的1.3倍
$204.1M
营收增速更快
FBP
高出11.7%
-5.2%
净利率更高
FBP
高出25.0%
8.9%
自由现金流更多
FBP
多$100.6M
$2.6M
两年增速更快
LCUT
近两年复合增速
5.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $257.2M | $204.1M |
| 净利润 | $87.1M | $18.2M |
| 毛利率 | — | 38.6% |
| 营业利润率 | 41.7% | 9.8% |
| 净利率 | 33.9% | 8.9% |
| 营收同比 | 6.5% | -5.2% |
| 净利润同比 | 15.1% | 103.5% |
| 每股收益（稀释后） | $0.55 | $0.83 |
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FBPLCUT
| Q4 25 | $257.2M | $204.1M | ||
| Q3 25 | $248.7M | $171.9M | ||
| Q2 25 | $246.8M | $131.9M | ||
| Q1 25 | $248.1M | $140.1M | ||
| Q4 24 | $241.5M | $215.2M | ||
| Q3 24 | $234.6M | $183.8M | ||
| Q2 24 | $231.7M | $141.7M | ||
| Q1 24 | $230.5M | $142.2M |
净利润FBPLCUT
| Q4 25 | $87.1M | $18.2M | ||
| Q3 25 | $100.5M | $-1.2M | ||
| Q2 25 | $80.2M | $-39.7M | ||
| Q1 25 | $77.1M | $-4.2M | ||
| Q4 24 | $75.7M | $8.9M | ||
| Q3 24 | $73.7M | $344.0K | ||
| Q2 24 | $75.8M | $-18.2M | ||
| Q1 24 | $73.5M | $-6.3M |
毛利率FBPLCUT
| Q4 25 | — | 38.6% | ||
| Q3 25 | — | 35.1% | ||
| Q2 25 | — | 38.6% | ||
| Q1 25 | — | 36.1% | ||
| Q4 24 | — | 37.7% | ||
| Q3 24 | — | 36.7% | ||
| Q2 24 | — | 38.5% | ||
| Q1 24 | — | 40.5% |
营业利润率FBPLCUT
| Q4 25 | 41.7% | 9.8% | ||
| Q3 25 | 42.7% | 3.9% | ||
| Q2 25 | 41.7% | -28.2% | ||
| Q1 25 | 40.4% | 0.8% | ||
| Q4 24 | 39.8% | 7.2% | ||
| Q3 24 | 41.1% | 4.7% | ||
| Q2 24 | 43.8% | 0.8% | ||
| Q1 24 | 42.3% | 1.3% |
净利率FBPLCUT
| Q4 25 | 33.9% | 8.9% | ||
| Q3 25 | 40.4% | -0.7% | ||
| Q2 25 | 32.5% | -30.1% | ||
| Q1 25 | 31.1% | -3.0% | ||
| Q4 24 | 31.4% | 4.1% | ||
| Q3 24 | 31.4% | 0.2% | ||
| Q2 24 | 32.7% | -12.8% | ||
| Q1 24 | 31.9% | -4.4% |
每股收益（稀释后）FBPLCUT
| Q4 25 | $0.55 | $0.83 | ||
| Q3 25 | $0.63 | $-0.05 | ||
| Q2 25 | $0.50 | $-1.83 | ||
| Q1 25 | $0.47 | $-0.19 | ||
| Q4 24 | $0.46 | $0.41 | ||
| Q3 24 | $0.45 | $0.02 | ||
| Q2 24 | $0.46 | $-0.85 | ||
| Q1 24 | $0.44 | $-0.29 |
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 | — | $4.3M |
| 总债务越低越好 | $290.0M | $135.0M |
| 股东权益账面价值 | $2.0B | $202.3M |
| 总资产 | $19.1B | $572.6M |
| 负债/权益比越低杠杆越低 | 0.15× | 0.67× |
8季度趋势，按日历期对齐
现金及短期投资FBPLCUT
| Q4 25 | — | $4.3M | ||
| Q3 25 | — | $12.1M | ||
| Q2 25 | — | $12.0M | ||
| Q1 25 | — | $10.4M | ||
| Q4 24 | — | $2.9M | ||
| Q3 24 | — | $6.0M | ||
| Q2 24 | — | $3.4M | ||
| Q1 24 | — | $4.6M |
总债务FBPLCUT
| Q4 25 | $290.0M | $135.0M | ||
| Q3 25 | $290.0M | — | ||
| Q2 25 | $320.0M | — | ||
| Q1 25 | $331.1M | — | ||
| Q4 24 | $561.7M | $142.5M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益FBPLCUT
| Q4 25 | $2.0B | $202.3M | ||
| Q3 25 | $1.9B | $184.6M | ||
| Q2 25 | $1.8B | $185.8M | ||
| Q1 25 | $1.8B | $225.7M | ||
| Q4 24 | $1.7B | $229.9M | ||
| Q3 24 | $1.7B | $220.9M | ||
| Q2 24 | $1.5B | $219.8M | ||
| Q1 24 | $1.5B | $223.7M |
总资产FBPLCUT
| Q4 25 | $19.1B | $572.6M | ||
| Q3 25 | $19.3B | $581.1M | ||
| Q2 25 | $18.9B | $551.9M | ||
| Q1 25 | $19.1B | $594.6M | ||
| Q4 24 | $19.3B | $634.3M | ||
| Q3 24 | $18.9B | $668.7M | ||
| Q2 24 | $18.9B | $617.0M | ||
| Q1 24 | $18.9B | $602.7M |
负债/权益比FBPLCUT
| Q4 25 | 0.15× | 0.67× | ||
| Q3 25 | 0.15× | — | ||
| Q2 25 | 0.17× | — | ||
| Q1 25 | 0.19× | — | ||
| Q4 24 | 0.34× | 0.62× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $3.7M |
| 自由现金流经营现金流 - 资本支出 | $103.2M | $2.6M |
| 自由现金流率自由现金流/营收 | 40.1% | 1.3% |
| 资本支出强度资本支出/营收 | 1.6% | 0.6% |
| 现金转化率经营现金流/净利润 | 1.23× | 0.21× |
| 过去12个月自由现金流最近4个季度 | $437.5M | $3.3M |
8季度趋势，按日历期对齐
经营现金流FBPLCUT
| Q4 25 | $107.3M | $3.7M | ||
| Q3 25 | $137.6M | $-22.2M | ||
| Q2 25 | $95.4M | $9.3M | ||
| Q1 25 | $108.2M | $16.7M | ||
| Q4 24 | $96.8M | $20.3M | ||
| Q3 24 | $118.0M | $-22.7M | ||
| Q2 24 | $71.1M | $10.4M | ||
| Q1 24 | $118.2M | $10.5M |
自由现金流FBPLCUT
| Q4 25 | $103.2M | $2.6M | ||
| Q3 25 | $134.8M | $-22.7M | ||
| Q2 25 | $92.8M | $8.2M | ||
| Q1 25 | $106.7M | $15.1M | ||
| Q4 24 | $95.2M | $19.7M | ||
| Q3 24 | $115.4M | $-23.2M | ||
| Q2 24 | $69.4M | $9.9M | ||
| Q1 24 | $114.1M | $9.9M |
自由现金流率FBPLCUT
| Q4 25 | 40.1% | 1.3% | ||
| Q3 25 | 54.2% | -13.2% | ||
| Q2 25 | 37.6% | 6.2% | ||
| Q1 25 | 43.0% | 10.8% | ||
| Q4 24 | 39.4% | 9.1% | ||
| Q3 24 | 49.2% | -12.6% | ||
| Q2 24 | 30.0% | 7.0% | ||
| Q1 24 | 49.5% | 7.0% |
资本支出强度FBPLCUT
| Q4 25 | 1.6% | 0.6% | ||
| Q3 25 | 1.2% | 0.3% | ||
| Q2 25 | 1.1% | 0.9% | ||
| Q1 25 | 0.6% | 1.1% | ||
| Q4 24 | 0.7% | 0.3% | ||
| Q3 24 | 1.1% | 0.3% | ||
| Q2 24 | 0.7% | 0.4% | ||
| Q1 24 | 1.8% | 0.4% |
现金转化率FBPLCUT
| Q4 25 | 1.23× | 0.21× | ||
| Q3 25 | 1.37× | — | ||
| Q2 25 | 1.19× | — | ||
| Q1 25 | 1.40× | — | ||
| Q4 24 | 1.28× | 2.28× | ||
| Q3 24 | 1.60× | -65.89× | ||
| Q2 24 | 0.94× | — | ||
| Q1 24 | 1.61× | — |
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% |
LCUT
| Kitchenware | $114.3M | 56% |
| Tableware | $41.7M | 20% |
| Home Solutions | $29.4M | 14% |
| Other | $18.8M | 9% |
