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FIRST BANCORP（FBP）与PROGRESS SOFTWARE CORP（PRGS）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PROGRESS SOFTWARE CORP的1.0倍（$257.2M vs $252.7M），FIRST BANCORP净利率更高（33.9% vs 10.2%，领先23.7%），PROGRESS SOFTWARE CORP同比增速更快（17.5% vs 6.5%），FIRST BANCORP自由现金流更多（$103.2M vs $59.9M），过去两年PROGRESS SOFTWARE CORP的营收复合增速更高（17.0% 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。
Progress Software是全球领先的企业级软件服务商，主营应用开发平台、数据连接工具、数字体验解决方案等产品，服务覆盖金融、医疗、制造、零售等多行业的全球企业客户，助力客户搭建高性能可扩展的业务应用，提升运营效率。
FBP vs PRGS — 直观对比
营收规模更大
FBP
是对方的1.0倍
$252.7M
营收增速更快
PRGS
高出11.0%
6.5%
净利率更高
FBP
高出23.7%
10.2%
自由现金流更多
FBP
多$43.2M
$59.9M
两年增速更快
PRGS
近两年复合增速
5.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $257.2M | $252.7M |
| 净利润 | $87.1M | $25.7M |
| 毛利率 | — | 81.6% |
| 营业利润率 | 41.7% | 15.2% |
| 净利率 | 33.9% | 10.2% |
| 营收同比 | 6.5% | 17.5% |
| 净利润同比 | 15.1% | 2144.6% |
| 每股收益（稀释后） | $0.55 | $0.59 |
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FBPPRGS
| Q4 25 | $257.2M | $252.7M | ||
| Q3 25 | $248.7M | $249.8M | ||
| Q2 25 | $246.8M | $237.4M | ||
| Q1 25 | $248.1M | $238.0M | ||
| Q4 24 | $241.5M | $215.0M | ||
| Q3 24 | $234.6M | $178.7M | ||
| Q2 24 | $231.7M | $175.1M | ||
| Q1 24 | $230.5M | $184.7M |
净利润FBPPRGS
| Q4 25 | $87.1M | $25.7M | ||
| Q3 25 | $100.5M | $19.4M | ||
| Q2 25 | $80.2M | $17.0M | ||
| Q1 25 | $77.1M | $10.9M | ||
| Q4 24 | $75.7M | $1.1M | ||
| Q3 24 | $73.7M | $28.5M | ||
| Q2 24 | $75.8M | $16.2M | ||
| Q1 24 | $73.5M | $22.6M |
毛利率FBPPRGS
| Q4 25 | — | 81.6% | ||
| Q3 25 | — | 81.0% | ||
| Q2 25 | — | 80.1% | ||
| Q1 25 | — | 80.6% | ||
| Q4 24 | — | 83.0% | ||
| Q3 24 | — | 83.7% | ||
| Q2 24 | — | 81.7% | ||
| Q1 24 | — | 82.2% |
营业利润率FBPPRGS
| Q4 25 | 41.7% | 15.2% | ||
| Q3 25 | 42.7% | 17.6% | ||
| Q2 25 | 41.7% | 16.3% | ||
| Q1 25 | 40.4% | 13.6% | ||
| Q4 24 | 39.8% | 10.0% | ||
| Q3 24 | 41.1% | 22.6% | ||
| Q2 24 | 43.8% | 15.5% | ||
| Q1 24 | 42.3% | 19.0% |
净利率FBPPRGS
| Q4 25 | 33.9% | 10.2% | ||
| Q3 25 | 40.4% | 7.8% | ||
| Q2 25 | 32.5% | 7.2% | ||
| Q1 25 | 31.1% | 4.6% | ||
| Q4 24 | 31.4% | 0.5% | ||
| Q3 24 | 31.4% | 15.9% | ||
| Q2 24 | 32.7% | 9.2% | ||
| Q1 24 | 31.9% | 12.3% |
每股收益（稀释后）FBPPRGS
| Q4 25 | $0.55 | $0.59 | ||
| Q3 25 | $0.63 | $0.44 | ||
| Q2 25 | $0.50 | $0.39 | ||
| Q1 25 | $0.47 | $0.24 | ||
| Q4 24 | $0.46 | $0.01 | ||
| Q3 24 | $0.45 | $0.65 | ||
| Q2 24 | $0.46 | $0.37 | ||
| Q1 24 | $0.44 | $0.51 |
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 | — | $94.8M |
| 总债务越低越好 | $290.0M | $1.4B |
| 股东权益账面价值 | $2.0B | $478.3M |
| 总资产 | $19.1B | $2.5B |
| 负债/权益比越低杠杆越低 | 0.15× | 2.93× |
8季度趋势，按日历期对齐
现金及短期投资FBPPRGS
| Q4 25 | — | $94.8M | ||
| Q3 25 | — | $99.0M | ||
| Q2 25 | — | $102.0M | ||
| Q1 25 | — | $124.2M | ||
| Q4 24 | — | $118.1M | ||
| Q3 24 | — | $232.7M | ||
| Q2 24 | — | $190.4M | ||
| Q1 24 | — | $133.2M |
总债务FBPPRGS
| Q4 25 | $290.0M | $1.4B | ||
| Q3 25 | $290.0M | $1.4B | ||
| Q2 25 | $320.0M | $1.5B | ||
| Q1 25 | $331.1M | $1.5B | ||
| Q4 24 | $561.7M | $1.5B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益FBPPRGS
| Q4 25 | $2.0B | $478.3M | ||
| Q3 25 | $1.9B | $477.7M | ||
| Q2 25 | $1.8B | $452.7M | ||
| Q1 25 | $1.8B | $431.8M | ||
| Q4 24 | $1.7B | $438.8M | ||
| Q3 24 | $1.7B | $425.6M | ||
| Q2 24 | $1.5B | $401.7M | ||
| Q1 24 | $1.5B | $461.7M |
总资产FBPPRGS
| Q4 25 | $19.1B | $2.5B | ||
| Q3 25 | $19.3B | $2.4B | ||
| Q2 25 | $18.9B | $2.4B | ||
| Q1 25 | $19.1B | $2.5B | ||
| Q4 24 | $19.3B | $2.5B | ||
| Q3 24 | $18.9B | $1.6B | ||
| Q2 24 | $18.9B | $1.6B | ||
| Q1 24 | $18.9B | $1.5B |
负债/权益比FBPPRGS
| Q4 25 | 0.15× | 2.93× | ||
| Q3 25 | 0.15× | 2.97× | ||
| Q2 25 | 0.17× | 3.22× | ||
| Q1 25 | 0.19× | 3.50× | ||
| Q4 24 | 0.34× | 3.48× | ||
| 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 | $62.8M |
| 自由现金流经营现金流 - 资本支出 | $103.2M | $59.9M |
| 自由现金流率自由现金流/营收 | 40.1% | 23.7% |
| 资本支出强度资本支出/营收 | 1.6% | 1.1% |
| 现金转化率经营现金流/净利润 | 1.23× | 2.44× |
| 过去12个月自由现金流最近4个季度 | $437.5M | $229.5M |
8季度趋势，按日历期对齐
经营现金流FBPPRGS
| Q4 25 | $107.3M | $62.8M | ||
| Q3 25 | $137.6M | $73.4M | ||
| Q2 25 | $95.4M | $30.0M | ||
| Q1 25 | $108.2M | $68.9M | ||
| Q4 24 | $96.8M | $19.7M | ||
| Q3 24 | $118.0M | $57.7M | ||
| Q2 24 | $71.1M | $63.7M | ||
| Q1 24 | $118.2M | $70.5M |
自由现金流FBPPRGS
| Q4 25 | $103.2M | $59.9M | ||
| Q3 25 | $134.8M | $72.4M | ||
| Q2 25 | $92.8M | $29.5M | ||
| Q1 25 | $106.7M | $67.7M | ||
| Q4 24 | $95.2M | $16.8M | ||
| Q3 24 | $115.4M | $56.6M | ||
| Q2 24 | $69.4M | $62.7M | ||
| Q1 24 | $114.1M | $70.2M |
自由现金流率FBPPRGS
| Q4 25 | 40.1% | 23.7% | ||
| Q3 25 | 54.2% | 29.0% | ||
| Q2 25 | 37.6% | 12.4% | ||
| Q1 25 | 43.0% | 28.4% | ||
| Q4 24 | 39.4% | 7.8% | ||
| Q3 24 | 49.2% | 31.7% | ||
| Q2 24 | 30.0% | 35.8% | ||
| Q1 24 | 49.5% | 38.0% |
资本支出强度FBPPRGS
| Q4 25 | 1.6% | 1.1% | ||
| Q3 25 | 1.2% | 0.4% | ||
| Q2 25 | 1.1% | 0.2% | ||
| Q1 25 | 0.6% | 0.5% | ||
| Q4 24 | 0.7% | 1.3% | ||
| Q3 24 | 1.1% | 0.6% | ||
| Q2 24 | 0.7% | 0.5% | ||
| Q1 24 | 1.8% | 0.2% |
现金转化率FBPPRGS
| Q4 25 | 1.23× | 2.44× | ||
| Q3 25 | 1.37× | 3.78× | ||
| Q2 25 | 1.19× | 1.76× | ||
| Q1 25 | 1.40× | 6.30× | ||
| Q4 24 | 1.28× | 17.13× | ||
| Q3 24 | 1.60× | 2.03× | ||
| Q2 24 | 0.94× | 3.93× | ||
| Q1 24 | 1.61× | 3.11× |
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% |
PRGS
| Maintenanceand Services | $187.5M | 74% |
| Share File Acquisition | $67.5M | 27% |
