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FIRST BANCORP（FBP）与UiPath, Inc.（PATH）财务数据对比。点击上方公司名可切换其他公司
UiPath, Inc.的季度营收约是FIRST BANCORP的1.6倍（$411.1M vs $257.2M），UiPath, Inc.净利率更高（48.4% vs 33.9%，领先14.5%），UiPath, Inc.同比增速更快（15.9% vs 6.5%），FIRST BANCORP自由现金流更多（$103.2M vs $25.1M），过去两年FIRST BANCORP的营收复合增速更高（5.6% vs 0.7%）
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。
UiPath是一家全球化软件企业，专注于开发人工智能、智能自动化及流程编排类软件，其产品支持用户搭建与调度AI代理，实现复杂业务流程、工作流的自动化运行，助力各行业客户提升运营效率、降低人力成本。
FBP vs PATH — 直观对比
营收规模更大
PATH
是对方的1.6倍
$257.2M
营收增速更快
PATH
高出9.4%
6.5%
净利率更高
PATH
高出14.5%
33.9%
自由现金流更多
FBP
多$78.1M
$25.1M
两年增速更快
FBP
近两年复合增速
0.7%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $257.2M | $411.1M |
| 净利润 | $87.1M | $198.8M |
| 毛利率 | — | 83.3% |
| 营业利润率 | 41.7% | 3.2% |
| 净利率 | 33.9% | 48.4% |
| 营收同比 | 6.5% | 15.9% |
| 净利润同比 | 15.1% | 1966.2% |
| 每股收益（稀释后） | $0.55 | $0.37 |
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FBPPATH
| Q4 25 | $257.2M | $411.1M | ||
| Q3 25 | $248.7M | $361.7M | ||
| Q2 25 | $246.8M | $356.6M | ||
| Q1 25 | $248.1M | $423.6M | ||
| Q4 24 | $241.5M | $354.7M | ||
| Q3 24 | $234.6M | $316.3M | ||
| Q2 24 | $231.7M | $335.1M | ||
| Q1 24 | $230.5M | $405.3M |
净利润FBPPATH
| Q4 25 | $87.1M | $198.8M | ||
| Q3 25 | $100.5M | $1.6M | ||
| Q2 25 | $80.2M | $-22.6M | ||
| Q1 25 | $77.1M | $51.8M | ||
| Q4 24 | $75.7M | $-10.7M | ||
| Q3 24 | $73.7M | $-86.1M | ||
| Q2 24 | $75.8M | $-28.7M | ||
| Q1 24 | $73.5M | $33.9M |
毛利率FBPPATH
| Q4 25 | — | 83.3% | ||
| Q3 25 | — | 82.2% | ||
| Q2 25 | — | 82.1% | ||
| Q1 25 | — | 84.8% | ||
| Q4 24 | — | 82.0% | ||
| Q3 24 | — | 80.0% | ||
| Q2 24 | — | 83.5% | ||
| Q1 24 | — | 86.8% |
营业利润率FBPPATH
| Q4 25 | 41.7% | 3.2% | ||
| Q3 25 | 42.7% | -5.6% | ||
| Q2 25 | 41.7% | -4.6% | ||
| Q1 25 | 40.4% | 7.9% | ||
| Q4 24 | 39.8% | -12.2% | ||
| Q3 24 | 41.1% | -32.7% | ||
| Q2 24 | 43.8% | -14.8% | ||
| Q1 24 | 42.3% | 3.7% |
净利率FBPPATH
| Q4 25 | 33.9% | 48.4% | ||
| Q3 25 | 40.4% | 0.4% | ||
| Q2 25 | 32.5% | -6.3% | ||
| Q1 25 | 31.1% | 12.2% | ||
| Q4 24 | 31.4% | -3.0% | ||
| Q3 24 | 31.4% | -27.2% | ||
| Q2 24 | 32.7% | -8.6% | ||
| Q1 24 | 31.9% | 8.4% |
每股收益（稀释后）FBPPATH
| Q4 25 | $0.55 | $0.37 | ||
| Q3 25 | $0.63 | $0.00 | ||
| Q2 25 | $0.50 | $-0.04 | ||
| Q1 25 | $0.47 | $0.09 | ||
| Q4 24 | $0.46 | $-0.02 | ||
| Q3 24 | $0.45 | $-0.15 | ||
| Q2 24 | $0.46 | $-0.05 | ||
| Q1 24 | $0.44 | $0.07 |
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 | — | $1.4B |
| 总债务越低越好 | $290.0M | — |
| 股东权益账面价值 | $2.0B | $1.9B |
| 总资产 | $19.1B | $2.9B |
| 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FBPPATH
| Q4 25 | — | $1.4B | ||
| Q3 25 | — | $1.4B | ||
| Q2 25 | — | $1.6B | ||
| Q1 25 | — | $1.6B | ||
| Q4 24 | — | $1.6B | ||
| Q3 24 | — | $1.7B | ||
| Q2 24 | — | $1.9B | ||
| Q1 24 | — | $1.9B |
总债务FBPPATH
| 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FBPPATH
| Q4 25 | $2.0B | $1.9B | ||
| Q3 25 | $1.9B | $1.7B | ||
| Q2 25 | $1.8B | $1.7B | ||
| Q1 25 | $1.8B | $1.8B | ||
| Q4 24 | $1.7B | $1.7B | ||
| Q3 24 | $1.7B | $1.8B | ||
| Q2 24 | $1.5B | $2.0B | ||
| Q1 24 | $1.5B | $2.0B |
总资产FBPPATH
| Q4 25 | $19.1B | $2.9B | ||
| Q3 25 | $19.3B | $2.6B | ||
| Q2 25 | $18.9B | $2.6B | ||
| Q1 25 | $19.1B | $2.9B | ||
| Q4 24 | $19.3B | $2.7B | ||
| Q3 24 | $18.9B | $2.7B | ||
| Q2 24 | $18.9B | $2.8B | ||
| Q1 24 | $18.9B | $3.0B |
负债/权益比FBPPATH
| 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 | $28.3M |
| 自由现金流经营现金流 - 资本支出 | $103.2M | $25.1M |
| 自由现金流率自由现金流/营收 | 40.1% | 6.1% |
| 资本支出强度资本支出/营收 | 1.6% | 0.8% |
| 现金转化率经营现金流/净利润 | 1.23× | 0.14× |
| 过去12个月自由现金流最近4个季度 | $437.5M | — |
8季度趋势，按日历期对齐
经营现金流FBPPATH
| Q4 25 | $107.3M | $28.3M | ||
| Q3 25 | $137.6M | $41.6M | ||
| Q2 25 | $95.4M | $119.0M | ||
| Q1 25 | $108.2M | $146.1M | ||
| Q4 24 | $96.8M | $28.1M | ||
| Q3 24 | $118.0M | $46.4M | ||
| Q2 24 | $71.1M | $100.0M | ||
| Q1 24 | $118.2M | $145.6M |
自由现金流FBPPATH
| Q4 25 | $103.2M | $25.1M | ||
| Q3 25 | $134.8M | — | ||
| Q2 25 | $92.8M | $106.2M | ||
| Q1 25 | $106.7M | $138.7M | ||
| Q4 24 | $95.2M | $23.2M | ||
| Q3 24 | $115.4M | $45.0M | ||
| Q2 24 | $69.4M | $98.8M | ||
| Q1 24 | $114.1M | $141.8M |
自由现金流率FBPPATH
| Q4 25 | 40.1% | 6.1% | ||
| Q3 25 | 54.2% | — | ||
| Q2 25 | 37.6% | 29.8% | ||
| Q1 25 | 43.0% | 32.7% | ||
| Q4 24 | 39.4% | 6.5% | ||
| Q3 24 | 49.2% | 14.2% | ||
| Q2 24 | 30.0% | 29.5% | ||
| Q1 24 | 49.5% | 35.0% |
资本支出强度FBPPATH
| Q4 25 | 1.6% | 0.8% | ||
| Q3 25 | 1.2% | 0.0% | ||
| Q2 25 | 1.1% | 3.6% | ||
| Q1 25 | 0.6% | 1.7% | ||
| Q4 24 | 0.7% | 1.4% | ||
| Q3 24 | 1.1% | 0.4% | ||
| Q2 24 | 0.7% | 0.4% | ||
| Q1 24 | 1.8% | 0.9% |
现金转化率FBPPATH
| Q4 25 | 1.23× | 0.14× | ||
| Q3 25 | 1.37× | 26.25× | ||
| Q2 25 | 1.19× | — | ||
| Q1 25 | 1.40× | 2.82× | ||
| Q4 24 | 1.28× | — | ||
| Q3 24 | 1.60× | — | ||
| Q2 24 | 0.94× | — | ||
| Q1 24 | 1.61× | 4.29× |
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% |
PATH
| Subscription Services | $247.6M | 60% |
| License | $150.0M | 36% |
| Professional Services And Other | $13.5M | 3% |
