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富兰克林柯维（FC）与合众银行（OSBC）财务数据对比。点击上方公司名可切换其他公司
合众银行的季度营收约是富兰克林柯维的1.5倍（$93.8M vs $64.0M），合众银行净利率更高（27.3% vs -5.1%，领先32.4%），过去两年合众银行的营收复合增速更高（15.1% 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。
合众银行是一家总部位于美国明尼阿波利斯、在特拉华州注册的美国跨国银行机构。截至2025年，它是美国第五大银行，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金融机构，主营银行、投资、抵押等金融服务。
FC vs OSBC — 直观对比
营收规模更大
OSBC
是对方的1.5倍
$64.0M
净利率更高
OSBC
高出32.4%
-5.1%
两年增速更快
OSBC
近两年复合增速
2.2%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $64.0M | $93.8M |
| 净利润 | $-3.3M | $25.6M |
| 毛利率 | 75.5% | — |
| 营业利润率 | -5.7% | — |
| 净利率 | -5.1% | 27.3% |
| 营收同比 | -7.3% | — |
| 净利润同比 | -378.5% | 159.2% |
| 每股收益（稀释后） | $-0.27 | $0.48 |
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FCOSBC
| Q1 26 | — | $93.8M | ||
| Q4 25 | $64.0M | $95.2M | ||
| Q3 25 | $71.2M | $95.9M | ||
| Q2 25 | $67.1M | $75.1M | ||
| Q1 25 | $59.6M | $73.1M | ||
| Q4 24 | $69.1M | $73.2M | ||
| Q3 24 | $84.1M | $71.2M | ||
| Q2 24 | $73.4M | $70.8M |
净利润FCOSBC
| Q1 26 | — | $25.6M | ||
| Q4 25 | $-3.3M | — | ||
| Q3 25 | $4.4M | $9.9M | ||
| Q2 25 | $-1.4M | $21.8M | ||
| Q1 25 | $-1.1M | $19.8M | ||
| Q4 24 | $1.2M | — | ||
| Q3 24 | $12.0M | $23.0M | ||
| Q2 24 | $5.7M | $21.9M |
毛利率FCOSBC
| 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FCOSBC
| Q1 26 | — | — | ||
| Q4 25 | -5.7% | 41.2% | ||
| Q3 25 | 11.1% | 13.6% | ||
| Q2 25 | -3.3% | 38.9% | ||
| Q1 25 | -2.4% | 35.8% | ||
| Q4 24 | 2.1% | 34.7% | ||
| Q3 24 | 21.3% | 41.9% | ||
| Q2 24 | 11.4% | 41.2% |
净利率FCOSBC
| Q1 26 | — | 27.3% | ||
| Q4 25 | -5.1% | — | ||
| Q3 25 | 6.1% | 10.3% | ||
| Q2 25 | -2.1% | 29.0% | ||
| Q1 25 | -1.8% | 27.1% | ||
| Q4 24 | 1.7% | — | ||
| Q3 24 | 14.2% | 32.3% | ||
| Q2 24 | 7.8% | 30.9% |
每股收益（稀释后）FCOSBC
| Q1 26 | — | $0.48 | ||
| Q4 25 | $-0.27 | $0.53 | ||
| Q3 25 | $0.34 | $0.18 | ||
| Q2 25 | $-0.11 | $0.48 | ||
| Q1 25 | $-0.08 | $0.43 | ||
| Q4 24 | $0.09 | $0.42 | ||
| Q3 24 | $0.89 | $0.50 | ||
| Q2 24 | $0.43 | $0.48 |
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 | $115.7M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $54.0M | $893.3M |
| 总资产 | $221.3M | $6.8B |
| 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FCOSBC
| Q1 26 | — | $115.7M | ||
| Q4 25 | $17.5M | $124.0M | ||
| Q3 25 | $31.7M | $116.5M | ||
| Q2 25 | $33.7M | $141.8M | ||
| Q1 25 | $40.4M | $256.1M | ||
| Q4 24 | $53.3M | $99.3M | ||
| Q3 24 | $48.7M | $115.8M | ||
| Q2 24 | $36.6M | $120.9M |
股东权益FCOSBC
| Q1 26 | — | $893.3M | ||
| Q4 25 | $54.0M | $896.8M | ||
| Q3 25 | $66.9M | $866.7M | ||
| Q2 25 | $65.6M | $718.6M | ||
| Q1 25 | $72.5M | $694.5M | ||
| Q4 24 | $80.6M | $671.0M | ||
| Q3 24 | $83.1M | $661.4M | ||
| Q2 24 | $72.2M | $619.3M |
总资产FCOSBC
| Q1 26 | — | $6.8B | ||
| Q4 25 | $221.3M | $6.9B | ||
| Q3 25 | $242.9M | $7.0B | ||
| Q2 25 | $218.3M | $5.7B | ||
| Q1 25 | $221.3M | $5.7B | ||
| Q4 24 | $239.9M | $5.6B | ||
| Q3 24 | $261.5M | $5.7B | ||
| Q2 24 | $221.0M | $5.7B |
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FCOSBC
| Q1 26 | — | — | ||
| Q4 25 | $98.0K | $122.3M | ||
| Q3 25 | $9.9M | $35.9M | ||
| Q2 25 | $6.3M | $24.2M | ||
| Q1 25 | $-1.4M | $17.8M | ||
| Q4 24 | $14.1M | $131.5M | ||
| Q3 24 | $21.9M | $48.5M | ||
| Q2 24 | $8.2M | $11.6M |
自由现金流FCOSBC
| Q1 26 | — | — | ||
| Q4 25 | $-1.6M | $117.8M | ||
| Q3 25 | $5.7M | $34.7M | ||
| Q2 25 | $4.5M | $23.5M | ||
| Q1 25 | $-2.6M | $16.2M | ||
| Q4 24 | $13.1M | $120.7M | ||
| Q3 24 | $20.8M | $46.2M | ||
| Q2 24 | $7.3M | $8.7M |
自由现金流率FCOSBC
| Q1 26 | — | — | ||
| Q4 25 | -2.5% | 123.7% | ||
| Q3 25 | 8.0% | 36.2% | ||
| Q2 25 | 6.7% | 31.2% | ||
| Q1 25 | -4.4% | 22.2% | ||
| Q4 24 | 19.0% | 165.0% | ||
| Q3 24 | 24.7% | 64.9% | ||
| Q2 24 | 9.9% | 12.3% |
资本支出强度FCOSBC
| Q1 26 | — | — | ||
| Q4 25 | 2.7% | 4.7% | ||
| Q3 25 | 5.9% | 1.3% | ||
| Q2 25 | 2.7% | 1.1% | ||
| Q1 25 | 2.1% | 2.2% | ||
| Q4 24 | 1.4% | 14.7% | ||
| Q3 24 | 1.3% | 3.3% | ||
| Q2 24 | 1.2% | 4.2% |
现金转化率FCOSBC
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 2.27× | 3.64× | ||
| Q2 25 | — | 1.11× | ||
| Q1 25 | — | 0.90× | ||
| Q4 24 | 11.98× | — | ||
| Q3 24 | 1.83× | 2.11× | ||
| Q2 24 | 1.43× | 0.53× |
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
OSBC
| Net Interest Income | $81.1M | 87% |
| Noninterest Income | $12.6M | 13% |
