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FIRST BANCORP（FBP）与Ribbon Communications Inc.（RBBN）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Ribbon Communications Inc.的1.6倍（$257.2M vs $162.6M），Ribbon Communications Inc.净利率更高（54.8% vs 33.9%，领先20.9%），FIRST BANCORP同比增速更快（6.5% vs -10.3%），过去两年FIRST BANCORP的营收复合增速更高（5.6% vs -8.1%）
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。
睿宾通信公司（Ribbon Communications Inc.）主要为电信运营商、企业及关键基础设施领域提供软件、IP与光网络解决方案。公司于2017年由Genband与Sonus Networks合并成立，总部位于美国得克萨斯州普莱诺，是一家上市科技企业。
FBP vs RBBN — 直观对比
营收规模更大
FBP
是对方的1.6倍
$162.6M
营收增速更快
FBP
高出16.8%
-10.3%
净利率更高
RBBN
高出20.9%
33.9%
两年增速更快
FBP
近两年复合增速
-8.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $257.2M | $162.6M |
| 净利润 | $87.1M | $89.1M |
| 毛利率 | — | 42.9% |
| 营业利润率 | 41.7% | 37.6% |
| 净利率 | 33.9% | 54.8% |
| 营收同比 | 6.5% | -10.3% |
| 净利润同比 | 15.1% | — |
| 每股收益（稀释后） | $0.55 | $0.50 |
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FBPRBBN
| Q1 26 | — | $162.6M | ||
| Q4 25 | $257.2M | $227.3M | ||
| Q3 25 | $248.7M | $215.4M | ||
| Q2 25 | $246.8M | $220.6M | ||
| Q1 25 | $248.1M | $181.3M | ||
| Q4 24 | $241.5M | $251.4M | ||
| Q3 24 | $234.6M | $210.2M | ||
| Q2 24 | $231.7M | $192.6M |
净利润FBPRBBN
| Q1 26 | — | $89.1M | ||
| Q4 25 | $87.1M | — | ||
| Q3 25 | $100.5M | $-12.1M | ||
| Q2 25 | $80.2M | $-11.1M | ||
| Q1 25 | $77.1M | $-26.2M | ||
| Q4 24 | $75.7M | — | ||
| Q3 24 | $73.7M | $-13.4M | ||
| Q2 24 | $75.8M | $-16.8M |
毛利率FBPRBBN
| Q1 26 | — | 42.9% | ||
| Q4 25 | — | 53.3% | ||
| Q3 25 | — | 50.1% | ||
| Q2 25 | — | 49.6% | ||
| Q1 25 | — | 45.4% | ||
| Q4 24 | — | 55.7% | ||
| Q3 24 | — | 52.1% | ||
| Q2 24 | — | 50.8% |
营业利润率FBPRBBN
| Q1 26 | — | 37.6% | ||
| Q4 25 | 41.7% | 4.1% | ||
| Q3 25 | 42.7% | 1.3% | ||
| Q2 25 | 41.7% | 1.9% | ||
| Q1 25 | 40.4% | -10.8% | ||
| Q4 24 | 39.8% | 13.2% | ||
| Q3 24 | 41.1% | -0.4% | ||
| Q2 24 | 43.8% | -1.0% |
净利率FBPRBBN
| Q1 26 | — | 54.8% | ||
| Q4 25 | 33.9% | — | ||
| Q3 25 | 40.4% | -5.6% | ||
| Q2 25 | 32.5% | -5.0% | ||
| Q1 25 | 31.1% | -14.5% | ||
| Q4 24 | 31.4% | — | ||
| Q3 24 | 31.4% | -6.4% | ||
| Q2 24 | 32.7% | -8.7% |
每股收益（稀释后）FBPRBBN
| Q1 26 | — | $0.50 | ||
| Q4 25 | $0.55 | $0.50 | ||
| Q3 25 | $0.63 | $-0.07 | ||
| Q2 25 | $0.50 | $-0.06 | ||
| Q1 25 | $0.47 | $-0.15 | ||
| Q4 24 | $0.46 | $0.05 | ||
| Q3 24 | $0.45 | $-0.08 | ||
| Q2 24 | $0.46 | $-0.10 |
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 | — | $67.6M |
| 总债务越低越好 | $290.0M | — |
| 股东权益账面价值 | $2.0B | $419.1M |
| 总资产 | $19.1B | — |
| 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FBPRBBN
| Q1 26 | — | $67.6M | ||
| Q4 25 | — | $96.4M | ||
| Q3 25 | — | $74.8M | ||
| Q2 25 | — | $60.5M | ||
| Q1 25 | — | $71.2M | ||
| Q4 24 | — | $87.8M | ||
| Q3 24 | — | $37.2M | ||
| Q2 24 | — | $64.6M |
总债务FBPRBBN
| Q1 26 | — | — | ||
| Q4 25 | $290.0M | $342.1M | ||
| Q3 25 | $290.0M | $344.3M | ||
| Q2 25 | $320.0M | $346.5M | ||
| Q1 25 | $331.1M | $347.4M | ||
| Q4 24 | $561.7M | $348.3M | ||
| Q3 24 | — | $349.1M | ||
| Q2 24 | — | $350.0M |
股东权益FBPRBBN
| Q1 26 | — | $419.1M | ||
| Q4 25 | $2.0B | $449.0M | ||
| Q3 25 | $1.9B | $360.1M | ||
| Q2 25 | $1.8B | $370.4M | ||
| Q1 25 | $1.8B | $381.8M | ||
| Q4 24 | $1.7B | $404.6M | ||
| Q3 24 | $1.7B | $395.5M | ||
| Q2 24 | $1.5B | $405.0M |
总资产FBPRBBN
| Q1 26 | — | — | ||
| Q4 25 | $19.1B | $1.2B | ||
| Q3 25 | $19.3B | $1.1B | ||
| Q2 25 | $18.9B | $1.1B | ||
| Q1 25 | $19.1B | $1.1B | ||
| Q4 24 | $19.3B | $1.2B | ||
| Q3 24 | $18.9B | $1.1B | ||
| Q2 24 | $18.9B | $1.1B |
负债/权益比FBPRBBN
| Q1 26 | — | — | ||
| Q4 25 | 0.15× | 0.76× | ||
| Q3 25 | 0.15× | 0.96× | ||
| Q2 25 | 0.17× | 0.94× | ||
| Q1 25 | 0.19× | 0.91× | ||
| Q4 24 | 0.34× | 0.86× | ||
| Q3 24 | — | 0.88× | ||
| Q2 24 | — | 0.86× |
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% | — |
| 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FBPRBBN
| Q1 26 | — | — | ||
| Q4 25 | $107.3M | $29.2M | ||
| Q3 25 | $137.6M | $26.5M | ||
| Q2 25 | $95.4M | $-795.0K | ||
| Q1 25 | $108.2M | $-3.5M | ||
| Q4 24 | $96.8M | $61.8M | ||
| Q3 24 | $118.0M | $-14.8M | ||
| Q2 24 | $71.1M | $-9.8M |
自由现金流FBPRBBN
| Q1 26 | — | — | ||
| Q4 25 | $103.2M | $27.3M | ||
| Q3 25 | $134.8M | $21.0M | ||
| Q2 25 | $92.8M | $-6.5M | ||
| Q1 25 | $106.7M | $-15.7M | ||
| Q4 24 | $95.2M | $53.8M | ||
| Q3 24 | $115.4M | $-23.7M | ||
| Q2 24 | $69.4M | $-12.9M |
自由现金流率FBPRBBN
| Q1 26 | — | — | ||
| Q4 25 | 40.1% | 12.0% | ||
| Q3 25 | 54.2% | 9.7% | ||
| Q2 25 | 37.6% | -2.9% | ||
| Q1 25 | 43.0% | -8.7% | ||
| Q4 24 | 39.4% | 21.4% | ||
| Q3 24 | 49.2% | -11.3% | ||
| Q2 24 | 30.0% | -6.7% |
资本支出强度FBPRBBN
| Q1 26 | — | — | ||
| Q4 25 | 1.6% | 0.9% | ||
| Q3 25 | 1.2% | 2.6% | ||
| Q2 25 | 1.1% | 2.6% | ||
| Q1 25 | 0.6% | 6.7% | ||
| Q4 24 | 0.7% | 3.2% | ||
| Q3 24 | 1.1% | 4.2% | ||
| Q2 24 | 0.7% | 1.6% |
现金转化率FBPRBBN
| Q1 26 | — | — | ||
| Q4 25 | 1.23× | — | ||
| Q3 25 | 1.37× | — | ||
| Q2 25 | 1.19× | — | ||
| Q1 25 | 1.40× | — | ||
| Q4 24 | 1.28× | — | ||
| Q3 24 | 1.60× | — | ||
| Q2 24 | 0.94× | — |
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% |
RBBN
| Service | $94.5M | 58% |
| Product | $68.1M | 42% |
