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富兰克林柯维（FC）与合众银行（FSBC）财务数据对比。点击上方公司名可切换其他公司
富兰克林柯维的季度营收约是合众银行的1.4倍（$64.0M vs $45.1M），合众银行净利率更高（41.3% vs -5.1%，领先46.4%），过去两年合众银行的营收复合增速更高（21.3% vs 2.2%）
富兰克林柯维总部位于美国犹他州盐湖城，是一家专业培训指导企业，面向各类组织与个人提供领导力提升、个人效能成长与业务执行领域的培训及评估服务。公司由富兰克林奎斯特与柯维领导力中心于1997年合并成立，最为人熟知的产品包括富兰克林柯维规划系统等。
合众银行是总部设在美国明尼阿波利斯、在特拉华州注册的美国跨国银行机构，截至2025年为美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的银行。它旗下核心运营实体为美国银行全国协会，以US Bank品牌开展业务，提供银行、投资、抵押等金融服务。
FC vs FSBC — 直观对比
营收规模更大
FC
是对方的1.4倍
$45.1M
净利率更高
FSBC
高出46.4%
-5.1%
两年增速更快
FSBC
近两年复合增速
2.2%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $64.0M | $45.1M |
| 净利润 | $-3.3M | $18.6M |
| 毛利率 | 75.5% | — |
| 营业利润率 | -5.7% | — |
| 净利率 | -5.1% | 41.3% |
| 营收同比 | -7.3% | — |
| 净利润同比 | -378.5% | 42.0% |
| 每股收益（稀释后） | $-0.27 | $0.87 |
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FCFSBC
| Q1 26 | — | $45.1M | ||
| Q4 25 | $64.0M | $43.5M | ||
| Q3 25 | $71.2M | $41.3M | ||
| Q2 25 | $67.1M | $38.3M | ||
| Q1 25 | $59.6M | $35.3M | ||
| Q4 24 | $69.1M | $35.2M | ||
| Q3 24 | $84.1M | $31.8M | ||
| Q2 24 | $73.4M | $30.7M |
净利润FCFSBC
| Q1 26 | — | $18.6M | ||
| Q4 25 | $-3.3M | $17.6M | ||
| Q3 25 | $4.4M | $16.3M | ||
| Q2 25 | $-1.4M | $14.5M | ||
| Q1 25 | $-1.1M | $13.1M | ||
| Q4 24 | $1.2M | $13.3M | ||
| Q3 24 | $12.0M | $10.9M | ||
| Q2 24 | $5.7M | $10.8M |
毛利率FCFSBC
| Q1 26 | — | — | ||
| Q4 25 | 75.5% | — | ||
| Q3 25 | 75.5% | — | ||
| Q2 25 | 76.5% | — | ||
| Q1 25 | 76.7% | — | ||
| Q4 24 | 76.3% | — | ||
| Q3 24 | 78.1% | — | ||
| Q2 24 | 76.6% | — |
营业利润率FCFSBC
| Q1 26 | — | — | ||
| Q4 25 | -5.7% | 52.9% | ||
| Q3 25 | 11.1% | 53.8% | ||
| Q2 25 | -3.3% | 52.4% | ||
| Q1 25 | -2.4% | 52.0% | ||
| Q4 24 | 2.1% | 55.1% | ||
| Q3 24 | 21.3% | 48.0% | ||
| Q2 24 | 11.4% | 49.4% |
净利率FCFSBC
| Q1 26 | — | 41.3% | ||
| Q4 25 | -5.1% | 40.6% | ||
| Q3 25 | 6.1% | 39.6% | ||
| Q2 25 | -2.1% | 37.9% | ||
| Q1 25 | -1.8% | 37.1% | ||
| Q4 24 | 1.7% | 37.9% | ||
| Q3 24 | 14.2% | 34.4% | ||
| Q2 24 | 7.8% | 35.2% |
每股收益（稀释后）FCFSBC
| Q1 26 | — | $0.87 | ||
| Q4 25 | $-0.27 | $0.83 | ||
| Q3 25 | $0.34 | $0.77 | ||
| Q2 25 | $-0.11 | $0.68 | ||
| Q1 25 | $-0.08 | $0.62 | ||
| Q4 24 | $0.09 | $0.61 | ||
| Q3 24 | $0.89 | $0.52 | ||
| Q2 24 | $0.43 | $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 | $17.5M | $644.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $54.0M | $458.5M |
| 总资产 | $221.3M | $5.0B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资FCFSBC
| Q1 26 | — | $644.4M | ||
| Q4 25 | $17.5M | — | ||
| Q3 25 | $31.7M | — | ||
| Q2 25 | $33.7M | — | ||
| Q1 25 | $40.4M | — | ||
| Q4 24 | $53.3M | — | ||
| Q3 24 | $48.7M | — | ||
| Q2 24 | $36.6M | — |
股东权益FCFSBC
| Q1 26 | — | $458.5M | ||
| Q4 25 | $54.0M | $445.8M | ||
| Q3 25 | $66.9M | $431.3M | ||
| Q2 25 | $65.6M | $416.7M | ||
| Q1 25 | $72.5M | $406.5M | ||
| Q4 24 | $80.6M | $396.6M | ||
| Q3 24 | $83.1M | $389.9M | ||
| Q2 24 | $72.2M | $380.5M |
总资产FCFSBC
| Q1 26 | — | $5.0B | ||
| Q4 25 | $221.3M | $4.8B | ||
| Q3 25 | $242.9M | $4.6B | ||
| Q2 25 | $218.3M | $4.4B | ||
| Q1 25 | $221.3M | $4.2B | ||
| Q4 24 | $239.9M | $4.1B | ||
| Q3 24 | $261.5M | $3.9B | ||
| Q2 24 | $221.0M | $3.6B |
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 | $98.0K | — |
| 自由现金流经营现金流 - 资本支出 | $-1.6M | — |
| 自由现金流率自由现金流/营收 | -2.5% | — |
| 资本支出强度资本支出/营收 | 2.7% | — |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | $5.9M | — |
8季度趋势，按日历期对齐
经营现金流FCFSBC
| Q1 26 | — | — | ||
| Q4 25 | $98.0K | $72.6M | ||
| Q3 25 | $9.9M | $18.8M | ||
| Q2 25 | $6.3M | $17.8M | ||
| Q1 25 | $-1.4M | $15.5M | ||
| Q4 24 | $14.1M | $51.8M | ||
| Q3 24 | $21.9M | $17.5M | ||
| Q2 24 | $8.2M | $16.0M |
自由现金流FCFSBC
| Q1 26 | — | — | ||
| Q4 25 | $-1.6M | $71.4M | ||
| Q3 25 | $5.7M | $18.6M | ||
| Q2 25 | $4.5M | $17.5M | ||
| Q1 25 | $-2.6M | $15.4M | ||
| Q4 24 | $13.1M | $51.2M | ||
| Q3 24 | $20.8M | $17.3M | ||
| Q2 24 | $7.3M | $15.8M |
自由现金流率FCFSBC
| Q1 26 | — | — | ||
| Q4 25 | -2.5% | 164.3% | ||
| Q3 25 | 8.0% | 45.0% | ||
| Q2 25 | 6.7% | 45.8% | ||
| Q1 25 | -4.4% | 43.5% | ||
| Q4 24 | 19.0% | 145.5% | ||
| Q3 24 | 24.7% | 54.5% | ||
| Q2 24 | 9.9% | 51.6% |
资本支出强度FCFSBC
| Q1 26 | — | — | ||
| Q4 25 | 2.7% | 2.8% | ||
| Q3 25 | 5.9% | 0.5% | ||
| Q2 25 | 2.7% | 0.6% | ||
| Q1 25 | 2.1% | 0.3% | ||
| Q4 24 | 1.4% | 1.8% | ||
| Q3 24 | 1.3% | 0.7% | ||
| Q2 24 | 1.2% | 0.7% |
现金转化率FCFSBC
| Q1 26 | — | — | ||
| Q4 25 | — | 4.12× | ||
| Q3 25 | 2.27× | 1.15× | ||
| Q2 25 | — | 1.23× | ||
| Q1 25 | — | 1.18× | ||
| Q4 24 | 11.98× | 3.89× | ||
| Q3 24 | 1.83× | 1.60× | ||
| Q2 24 | 1.43× | 1.49× |
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
FC
暂无分部数据
FSBC
| Net Interest Income | $43.5M | 96% |
| Noninterest Income | $1.6M | 4% |
