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FIRST BANCORP（FBP）与OneStream, Inc.（OS）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OneStream, Inc.的1.6倍（$257.2M vs $163.7M），FIRST BANCORP净利率更高（33.9% vs 0.6%，领先33.3%），OneStream, Inc.同比增速更快（23.6% vs 6.5%），FIRST BANCORP自由现金流更多（$103.2M vs $25.6M），过去两年OneStream, Inc.的营收复合增速更高（21.8% 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。
Blue Stream面向美国佛罗里达州科勒尔斯普林斯、韦斯顿两地的居民及商业客户，提供有线电视、有线固话、数字录像服务，以及最高速率达1G的宽带互联网接入服务，深耕当地通信市场，为用户提供稳定可靠的多元通信解决方案。
FBP vs OS — 直观对比
营收规模更大
FBP
是对方的1.6倍
$163.7M
营收增速更快
OS
高出17.1%
6.5%
净利率更高
FBP
高出33.3%
0.6%
自由现金流更多
FBP
多$77.5M
$25.6M
两年增速更快
OS
近两年复合增速
5.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $257.2M | $163.7M |
| 净利润 | $87.1M | $999.0K |
| 毛利率 | — | 69.8% |
| 营业利润率 | 41.7% | -3.2% |
| 净利率 | 33.9% | 0.6% |
| 营收同比 | 6.5% | 23.6% |
| 净利润同比 | 15.1% | — |
| 每股收益（稀释后） | $0.55 | — |
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FBPOS
| Q4 25 | $257.2M | $163.7M | ||
| Q3 25 | $248.7M | $154.3M | ||
| Q2 25 | $246.8M | $147.6M | ||
| Q1 25 | $248.1M | $136.3M | ||
| Q4 24 | $241.5M | $132.5M | ||
| Q3 24 | $234.6M | $129.1M | ||
| Q2 24 | $231.7M | $117.5M | ||
| Q1 24 | $230.5M | $110.3M |
净利润FBPOS
| Q4 25 | $87.1M | $999.0K | ||
| Q3 25 | $100.5M | $-8.8M | ||
| Q2 25 | $80.2M | $-18.4M | ||
| Q1 25 | $77.1M | $-24.0M | ||
| Q4 24 | $75.7M | — | ||
| Q3 24 | $73.7M | $-171.9M | ||
| Q2 24 | $75.8M | $-7.8M | ||
| Q1 24 | $73.5M | $-5.0M |
毛利率FBPOS
| Q4 25 | — | 69.8% | ||
| Q3 25 | — | 68.1% | ||
| Q2 25 | — | 68.6% | ||
| Q1 25 | — | 68.0% | ||
| Q4 24 | — | 66.8% | ||
| Q3 24 | — | 50.1% | ||
| Q2 24 | — | 68.5% | ||
| Q1 24 | — | 69.1% |
营业利润率FBPOS
| Q4 25 | 41.7% | -3.2% | ||
| Q3 25 | 42.7% | -11.3% | ||
| Q2 25 | 41.7% | -21.8% | ||
| Q1 25 | 40.4% | -29.3% | ||
| Q4 24 | 39.8% | -35.8% | ||
| Q3 24 | 41.1% | -197.6% | ||
| Q2 24 | 43.8% | -9.8% | ||
| Q1 24 | 42.3% | -4.9% |
净利率FBPOS
| Q4 25 | 33.9% | 0.6% | ||
| Q3 25 | 40.4% | -5.7% | ||
| Q2 25 | 32.5% | -12.5% | ||
| Q1 25 | 31.1% | -17.6% | ||
| Q4 24 | 31.4% | — | ||
| Q3 24 | 31.4% | -133.1% | ||
| Q2 24 | 32.7% | -6.7% | ||
| Q1 24 | 31.9% | -4.5% |
每股收益（稀释后）FBPOS
| Q4 25 | $0.55 | — | ||
| Q3 25 | $0.63 | — | ||
| Q2 25 | $0.50 | — | ||
| Q1 25 | $0.47 | — | ||
| Q4 24 | $0.46 | — | ||
| Q3 24 | $0.45 | $-1.06 | ||
| Q2 24 | $0.46 | — | ||
| Q1 24 | $0.44 | — |
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 | — | $693.6M |
| 总债务越低越好 | $290.0M | — |
| 股东权益账面价值 | $2.0B | $504.7M |
| 总资产 | $19.1B | $1.0B |
| 负债/权益比越低杠杆越低 | 0.15× | — |
8季度趋势，按日历期对齐
现金及短期投资FBPOS
| Q4 25 | — | $693.6M | ||
| Q3 25 | — | $653.9M | ||
| Q2 25 | — | $652.1M | ||
| Q1 25 | — | $593.9M | ||
| Q4 24 | — | $544.2M | ||
| Q3 24 | — | $495.5M | ||
| Q2 24 | — | $140.5M | ||
| Q1 24 | — | — |
总债务FBPOS
| Q4 25 | $290.0M | — | ||
| Q3 25 | $290.0M | — | ||
| Q2 25 | $320.0M | — | ||
| Q1 25 | $331.1M | — | ||
| Q4 24 | $561.7M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益FBPOS
| Q4 25 | $2.0B | $504.7M | ||
| Q3 25 | $1.9B | $472.1M | ||
| Q2 25 | $1.8B | $458.2M | ||
| Q1 25 | $1.8B | $412.9M | ||
| Q4 24 | $1.7B | $386.2M | ||
| Q3 24 | $1.7B | $458.2M | ||
| Q2 24 | $1.5B | $97.5M | ||
| Q1 24 | $1.5B | $102.5M |
总资产FBPOS
| Q4 25 | $19.1B | $1.0B | ||
| Q3 25 | $19.3B | $949.4M | ||
| Q2 25 | $18.9B | $910.5M | ||
| Q1 25 | $19.1B | $867.3M | ||
| Q4 24 | $19.3B | $823.2M | ||
| Q3 24 | $18.9B | $750.1M | ||
| Q2 24 | $18.9B | $379.7M | ||
| Q1 24 | $18.9B | — |
负债/权益比FBPOS
| Q4 25 | 0.15× | — | ||
| Q3 25 | 0.15× | — | ||
| Q2 25 | 0.17× | — | ||
| Q1 25 | 0.19× | — | ||
| Q4 24 | 0.34× | — | ||
| 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 | $25.8M |
| 自由现金流经营现金流 - 资本支出 | $103.2M | $25.6M |
| 自由现金流率自由现金流/营收 | 40.1% | 15.7% |
| 资本支出强度资本支出/营收 | 1.6% | 0.1% |
| 现金转化率经营现金流/净利润 | 1.23× | 25.79× |
| 过去12个月自由现金流最近4个季度 | $437.5M | $95.6M |
8季度趋势，按日历期对齐
经营现金流FBPOS
| Q4 25 | $107.3M | $25.8M | ||
| Q3 25 | $137.6M | $5.0M | ||
| Q2 25 | $95.4M | $29.7M | ||
| Q1 25 | $108.2M | $36.2M | ||
| Q4 24 | $96.8M | — | ||
| Q3 24 | $118.0M | $2.4M | ||
| Q2 24 | $71.1M | $8.1M | ||
| Q1 24 | $118.2M | $25.5M |
自由现金流FBPOS
| Q4 25 | $103.2M | $25.6M | ||
| Q3 25 | $134.8M | $4.8M | ||
| Q2 25 | $92.8M | $29.4M | ||
| Q1 25 | $106.7M | $35.8M | ||
| Q4 24 | $95.2M | — | ||
| Q3 24 | $115.4M | $1.3M | ||
| Q2 24 | $69.4M | $7.7M | ||
| Q1 24 | $114.1M | $24.9M |
自由现金流率FBPOS
| Q4 25 | 40.1% | 15.7% | ||
| Q3 25 | 54.2% | 3.1% | ||
| Q2 25 | 37.6% | 19.9% | ||
| Q1 25 | 43.0% | 26.3% | ||
| Q4 24 | 39.4% | — | ||
| Q3 24 | 49.2% | 1.0% | ||
| Q2 24 | 30.0% | 6.6% | ||
| Q1 24 | 49.5% | 22.5% |
资本支出强度FBPOS
| Q4 25 | 1.6% | 0.1% | ||
| Q3 25 | 1.2% | 0.1% | ||
| Q2 25 | 1.1% | 0.2% | ||
| Q1 25 | 0.6% | 0.3% | ||
| Q4 24 | 0.7% | — | ||
| Q3 24 | 1.1% | 0.8% | ||
| Q2 24 | 0.7% | 0.3% | ||
| Q1 24 | 1.8% | 0.6% |
现金转化率FBPOS
| Q4 25 | 1.23× | 25.79× | ||
| Q3 25 | 1.37× | — | ||
| Q2 25 | 1.19× | — | ||
| Q1 25 | 1.40× | — | ||
| Q4 24 | 1.28× | — | ||
| Q3 24 | 1.60× | — | ||
| 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% |
OS
| Subscription And Circulation | $150.3M | 92% |
| Professional Services And Other | $9.4M | 6% |
| License | $4.0M | 2% |
