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FIRST CAPITAL INC（FCAP）与Finward Bancorp（FNWD）财务数据对比。点击上方公司名可切换其他公司
Finward Bancorp的季度营收约是FIRST CAPITAL INC的1.2倍（$16.5M vs $13.5M），FIRST CAPITAL INC净利率更高（36.2% vs 12.0%，领先24.2%），FIRST CAPITAL INC同比增速更快（19.0% vs 1.1%），FIRST CAPITAL INC自由现金流更多（$19.9M vs $9.0M），过去两年FIRST CAPITAL INC的营收复合增速更高（13.4% vs -19.1%）
First Capital曾用名Future Capital Holdings，是印度一家非银行金融机构，主营债务融资业务。2018年12月，该机构与IDFC银行合并，组建IDFC第一银行，合并前其股票在印度国家证券交易所和孟买证券交易所挂牌上市。
Finward Bancorp是一家总部位于美国的区域性银行控股公司，主要面向本土运营区域内的个人消费者与中小企业，提供储蓄账户、各类贷款、商业融资及财富管理等零售与商业金融服务。
FCAP vs FNWD — 直观对比
营收规模更大
FNWD
是对方的1.2倍
$13.5M
营收增速更快
FCAP
高出17.9%
1.1%
净利率更高
FCAP
高出24.2%
12.0%
自由现金流更多
FCAP
多$10.9M
$9.0M
两年增速更快
FCAP
近两年复合增速
-19.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $13.5M | $16.5M |
| 净利润 | $4.9M | $2.0M |
| 毛利率 | — | — |
| 营业利润率 | — | 11.0% |
| 净利率 | 36.2% | 12.0% |
| 营收同比 | 19.0% | 1.1% |
| 净利润同比 | 49.6% | -5.6% |
| 每股收益（稀释后） | $1.45 | $0.46 |
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FCAPFNWD
| Q4 25 | $13.5M | $16.5M | ||
| Q3 25 | $13.3M | $17.4M | ||
| Q2 25 | $12.4M | $16.6M | ||
| Q1 25 | $11.4M | $15.5M | ||
| Q4 24 | $11.3M | $16.3M | ||
| Q3 24 | $10.9M | $14.9M | ||
| Q2 24 | $10.7M | $14.6M | ||
| Q1 24 | $10.5M | $25.3M |
净利润FCAPFNWD
| Q4 25 | $4.9M | $2.0M | ||
| Q3 25 | $4.5M | $3.5M | ||
| Q2 25 | $3.8M | $2.2M | ||
| Q1 25 | $3.2M | $455.0K | ||
| Q4 24 | $3.3M | $2.1M | ||
| Q3 24 | $2.9M | $606.0K | ||
| Q2 24 | $2.8M | $143.0K | ||
| Q1 24 | $3.0M | $9.3M |
营业利润率FCAPFNWD
| Q4 25 | — | 11.0% | ||
| Q3 25 | 41.8% | 20.5% | ||
| Q2 25 | 37.2% | 12.7% | ||
| Q1 25 | 34.2% | 4.0% | ||
| Q4 24 | 34.8% | 16.3% | ||
| Q3 24 | 31.5% | 2.7% | ||
| Q2 24 | 31.1% | 0.9% | ||
| Q1 24 | 33.0% | 40.6% |
净利率FCAPFNWD
| Q4 25 | 36.2% | 12.0% | ||
| Q3 25 | 33.8% | 20.1% | ||
| Q2 25 | 30.4% | 12.9% | ||
| Q1 25 | 28.3% | 2.9% | ||
| Q4 24 | 28.8% | 12.9% | ||
| Q3 24 | 26.5% | 4.1% | ||
| Q2 24 | 26.5% | 1.0% | ||
| Q1 24 | 28.1% | 36.7% |
每股收益（稀释后）FCAPFNWD
| Q4 25 | $1.45 | $0.46 | ||
| Q3 25 | $1.34 | $0.81 | ||
| Q2 25 | $1.13 | $0.50 | ||
| Q1 25 | $0.97 | $0.11 | ||
| Q4 24 | $0.97 | $0.50 | ||
| Q3 24 | $0.87 | $0.14 | ||
| Q2 24 | $0.85 | $0.03 | ||
| Q1 24 | $0.88 | $2.17 |
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 | — | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $137.8M | $174.7M |
| 总资产 | $1.3B | $2.0B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
股东权益FCAPFNWD
| Q4 25 | $137.8M | $174.7M | ||
| Q3 25 | $132.4M | $165.5M | ||
| Q2 25 | $123.2M | $154.3M | ||
| Q1 25 | $120.1M | $151.8M | ||
| Q4 24 | $114.6M | $151.4M | ||
| Q3 24 | $116.8M | $159.6M | ||
| Q2 24 | $107.8M | $148.6M | ||
| Q1 24 | $105.7M | $151.6M |
总资产FCAPFNWD
| Q4 25 | $1.3B | $2.0B | ||
| Q3 25 | $1.2B | $2.1B | ||
| Q2 25 | $1.2B | $2.1B | ||
| Q1 25 | $1.2B | $2.0B | ||
| Q4 24 | $1.2B | $2.1B | ||
| Q3 24 | $1.2B | $2.1B | ||
| Q2 24 | $1.2B | $2.1B | ||
| Q1 24 | $1.2B | $2.1B |
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 | $21.3M | $9.9M |
| 自由现金流经营现金流 - 资本支出 | $19.9M | $9.0M |
| 自由现金流率自由现金流/营收 | 147.7% | 54.8% |
| 资本支出强度资本支出/营收 | 10.0% | 5.2% |
| 现金转化率经营现金流/净利润 | 4.36× | 4.99× |
| 过去12个月自由现金流最近4个季度 | $35.3M | $10.6M |
8季度趋势，按日历期对齐
经营现金流FCAPFNWD
| Q4 25 | $21.3M | $9.9M | ||
| Q3 25 | $7.9M | $1.2M | ||
| Q2 25 | $3.7M | $4.8M | ||
| Q1 25 | $4.4M | $-3.8M | ||
| Q4 24 | $22.3M | $9.8M | ||
| Q3 24 | $7.6M | $-3.7M | ||
| Q2 24 | $3.5M | $2.8M | ||
| Q1 24 | $7.2M | $-25.0K |
自由现金流FCAPFNWD
| Q4 25 | $19.9M | $9.0M | ||
| Q3 25 | $7.8M | $1.0M | ||
| Q2 25 | $3.5M | $4.5M | ||
| Q1 25 | $4.2M | $-4.0M | ||
| Q4 24 | $21.6M | $6.7M | ||
| Q3 24 | $7.5M | $-4.2M | ||
| Q2 24 | $3.3M | $1.1M | ||
| Q1 24 | $7.1M | $-736.0K |
自由现金流率FCAPFNWD
| Q4 25 | 147.7% | 54.8% | ||
| Q3 25 | 58.6% | 6.0% | ||
| Q2 25 | 27.8% | 27.0% | ||
| Q1 25 | 36.5% | -25.7% | ||
| Q4 24 | 190.7% | 41.2% | ||
| Q3 24 | 68.6% | -28.5% | ||
| Q2 24 | 31.2% | 7.6% | ||
| Q1 24 | 67.2% | -2.9% |
资本支出强度FCAPFNWD
| Q4 25 | 10.0% | 5.2% | ||
| Q3 25 | 1.2% | 0.9% | ||
| Q2 25 | 2.2% | 1.7% | ||
| Q1 25 | 1.9% | 1.2% | ||
| Q4 24 | 6.3% | 18.8% | ||
| Q3 24 | 0.8% | 3.4% | ||
| Q2 24 | 1.4% | 11.2% | ||
| Q1 24 | 1.5% | 2.8% |
现金转化率FCAPFNWD
| Q4 25 | 4.36× | 4.99× | ||
| Q3 25 | 1.77× | 0.34× | ||
| Q2 25 | 0.99× | 2.22× | ||
| Q1 25 | 1.36× | -8.37× | ||
| Q4 24 | 6.84× | 4.66× | ||
| Q3 24 | 2.62× | -6.15× | ||
| Q2 24 | 1.23× | 19.23× | ||
| Q1 24 | 2.45× | -0.00× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
