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FIRST BANCORP（FBP）与LiveRamp Holdings, Inc.（RAMP）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LiveRamp Holdings, Inc.的1.2倍（$257.2M vs $212.2M），FIRST BANCORP净利率更高（33.9% vs 18.8%，领先15.1%），LiveRamp Holdings, Inc.同比增速更快（8.6% vs 6.5%），过去两年LiveRamp Holdings, Inc.的营收复合增速更高（11.1% 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。
LiveRamp Holdings, Inc.是一家美国SaaS企业，核心业务为提供数据连接平台，服务涵盖数据导入、线下数据线上迁移等能力，助力企业开展营销相关的数据应用，为品牌及营销从业者的数字化运营提供技术支撑。
FBP vs RAMP — 直观对比
营收规模更大
FBP
是对方的1.2倍
$212.2M
营收增速更快
RAMP
高出2.1%
6.5%
净利率更高
FBP
高出15.1%
18.8%
两年增速更快
RAMP
近两年复合增速
5.6%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $257.2M | $212.2M |
| 净利润 | $87.1M | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | 41.7% | 18.6% |
| 净利率 | 33.9% | 18.8% |
| 营收同比 | 6.5% | 8.6% |
| 净利润同比 | 15.1% | 255.7% |
| 每股收益（稀释后） | $0.55 | $0.62 |
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FBPRAMP
| Q4 25 | $257.2M | $212.2M | ||
| Q3 25 | $248.7M | $199.8M | ||
| Q2 25 | $246.8M | $194.8M | ||
| Q1 25 | $248.1M | $188.7M | ||
| Q4 24 | $241.5M | $195.4M | ||
| Q3 24 | $234.6M | $185.5M | ||
| Q2 24 | $231.7M | $176.0M | ||
| Q1 24 | $230.5M | $171.9M |
净利润FBPRAMP
| Q4 25 | $87.1M | $39.9M | ||
| Q3 25 | $100.5M | $27.4M | ||
| Q2 25 | $80.2M | $7.7M | ||
| Q1 25 | $77.1M | $-6.3M | ||
| Q4 24 | $75.7M | $11.2M | ||
| Q3 24 | $73.7M | $1.7M | ||
| Q2 24 | $75.8M | $-7.5M | ||
| Q1 24 | $73.5M | $-5.4M |
毛利率FBPRAMP
| Q4 25 | — | 71.9% | ||
| Q3 25 | — | 70.2% | ||
| Q2 25 | — | 70.1% | ||
| Q1 25 | — | 69.3% | ||
| Q4 24 | — | 71.9% | ||
| Q3 24 | — | 72.4% | ||
| Q2 24 | — | 70.6% | ||
| Q1 24 | — | 72.2% |
营业利润率FBPRAMP
| Q4 25 | 41.7% | 18.6% | ||
| Q3 25 | 42.7% | 10.7% | ||
| Q2 25 | 41.7% | 3.7% | ||
| Q1 25 | 40.4% | -6.1% | ||
| Q4 24 | 39.8% | 7.5% | ||
| Q3 24 | 41.1% | 4.0% | ||
| Q2 24 | 43.8% | -3.0% | ||
| Q1 24 | 42.3% | -8.3% |
净利率FBPRAMP
| Q4 25 | 33.9% | 18.8% | ||
| Q3 25 | 40.4% | 13.7% | ||
| Q2 25 | 32.5% | 4.0% | ||
| Q1 25 | 31.1% | -3.3% | ||
| Q4 24 | 31.4% | 5.7% | ||
| Q3 24 | 31.4% | 0.9% | ||
| Q2 24 | 32.7% | -4.3% | ||
| Q1 24 | 31.9% | -3.1% |
每股收益（稀释后）FBPRAMP
| Q4 25 | $0.55 | $0.62 | ||
| Q3 25 | $0.63 | $0.42 | ||
| Q2 25 | $0.50 | $0.12 | ||
| Q1 25 | $0.47 | $-0.10 | ||
| Q4 24 | $0.46 | $0.17 | ||
| Q3 24 | $0.45 | $0.03 | ||
| Q2 24 | $0.46 | $-0.11 | ||
| Q1 24 | $0.44 | $-0.09 |
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 | — | $403.4M |
| 总债务越低越好 | $290.0M | — |
| 股东权益账面价值 | $2.0B | $962.3M |
| 总资产 | $19.1B | $1.3B |
| 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FBPRAMP
| Q4 25 | — | $403.4M | ||
| Q3 25 | — | $376.9M | ||
| Q2 25 | — | $371.1M | ||
| Q1 25 | — | $420.8M | ||
| Q4 24 | — | $384.3M | ||
| Q3 24 | — | $348.4M | ||
| Q2 24 | — | $342.7M | ||
| Q1 24 | — | $368.9M |
总债务FBPRAMP
| 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FBPRAMP
| Q4 25 | $2.0B | $962.3M | ||
| Q3 25 | $1.9B | $943.8M | ||
| Q2 25 | $1.8B | $947.8M | ||
| Q1 25 | $1.8B | $948.9M | ||
| Q4 24 | $1.7B | $957.7M | ||
| Q3 24 | $1.7B | $932.1M | ||
| Q2 24 | $1.5B | $951.9M | ||
| Q1 24 | $1.5B | $949.1M |
总资产FBPRAMP
| Q4 25 | $19.1B | $1.3B | ||
| Q3 25 | $19.3B | $1.2B | ||
| Q2 25 | $18.9B | $1.2B | ||
| Q1 25 | $19.1B | $1.3B | ||
| Q4 24 | $19.3B | $1.3B | ||
| Q3 24 | $18.9B | $1.2B | ||
| Q2 24 | $18.9B | $1.2B | ||
| Q1 24 | $18.9B | $1.2B |
负债/权益比FBPRAMP
| 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 | — |
| 自由现金流经营现金流 - 资本支出 | $103.2M | — |
| 自由现金流率自由现金流/营收 | 40.1% | — |
| 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× | — |
| 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FBPRAMP
| Q4 25 | $107.3M | — | ||
| Q3 25 | $137.6M | $57.4M | ||
| Q2 25 | $95.4M | $-15.8M | ||
| Q1 25 | $108.2M | — | ||
| Q4 24 | $96.8M | $45.1M | ||
| Q3 24 | $118.0M | $55.6M | ||
| Q2 24 | $71.1M | $-9.3M | ||
| Q1 24 | $118.2M | — |
自由现金流FBPRAMP
| Q4 25 | $103.2M | — | ||
| Q3 25 | $134.8M | $56.8M | ||
| Q2 25 | $92.8M | $-16.2M | ||
| Q1 25 | $106.7M | — | ||
| Q4 24 | $95.2M | $44.8M | ||
| Q3 24 | $115.4M | $55.4M | ||
| Q2 24 | $69.4M | $-9.6M | ||
| Q1 24 | $114.1M | — |
自由现金流率FBPRAMP
| Q4 25 | 40.1% | — | ||
| Q3 25 | 54.2% | 28.4% | ||
| Q2 25 | 37.6% | -8.3% | ||
| Q1 25 | 43.0% | — | ||
| Q4 24 | 39.4% | 22.9% | ||
| Q3 24 | 49.2% | 29.8% | ||
| Q2 24 | 30.0% | -5.4% | ||
| Q1 24 | 49.5% | — |
资本支出强度FBPRAMP
| Q4 25 | 1.6% | 0.1% | ||
| Q3 25 | 1.2% | 0.3% | ||
| Q2 25 | 1.1% | 0.2% | ||
| Q1 25 | 0.6% | 0.2% | ||
| Q4 24 | 0.7% | 0.1% | ||
| Q3 24 | 1.1% | 0.1% | ||
| Q2 24 | 0.7% | 0.1% | ||
| Q1 24 | 1.8% | 1.0% |
现金转化率FBPRAMP
| Q4 25 | 1.23× | — | ||
| Q3 25 | 1.37× | 2.09× | ||
| Q2 25 | 1.19× | -2.04× | ||
| Q1 25 | 1.40× | — | ||
| Q4 24 | 1.28× | 4.02× | ||
| Q3 24 | 1.60× | 32.10× | ||
| 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% |
RAMP
暂无分部数据
