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FIRST COMMUNITY BANKSHARES INC（FCBC）与STEM, INC.（STEM）财务数据对比。点击上方公司名可切换其他公司
STEM, INC.的季度营收约是FIRST COMMUNITY BANKSHARES INC的1.1倍（$47.1M vs $43.8M），FIRST COMMUNITY BANKSHARES INC净利率更高（28.5% vs -33.9%，领先62.4%），FIRST COMMUNITY BANKSHARES INC同比增速更快（5.1% vs -15.6%），过去两年STEM, INC.的营收复合增速更高（36.1% vs 3.5%）
第一社区银行控股公司是美国一家银行控股公司，总部位于弗吉尼亚州，为布卢菲尔德第一社区银行的母公司。截至2012年，该集团旗下网点分布在弗吉尼亚州、西弗吉尼亚州和田纳西州，截至2023年4月，集团总资产达36亿美元。
该公司是一家公开上市的生物制药企业，总部位于加利福尼亚州纽瓦克，专注研发纯化人类神经干细胞，旨在治疗中枢神经系统疾病与瘫痪，其所研发的神经干细胞可分化为中枢神经系统的神经元、星形胶质细胞与少突胶质细胞这三大主要细胞类型。
FCBC vs STEM — 直观对比
营收规模更大
STEM
是对方的1.1倍
$43.8M
营收增速更快
FCBC
高出20.6%
-15.6%
净利率更高
FCBC
高出62.4%
-33.9%
两年增速更快
STEM
近两年复合增速
3.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $43.8M | $47.1M |
| 净利润 | $12.5M | $-16.0M |
| 毛利率 | — | 48.9% |
| 营业利润率 | 36.8% | -17.7% |
| 净利率 | 28.5% | -33.9% |
| 营收同比 | 5.1% | -15.6% |
| 净利润同比 | -4.4% | 68.8% |
| 每股收益（稀释后） | $0.67 | $-4.40 |
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FCBCSTEM
| Q4 25 | $43.8M | $47.1M | ||
| Q3 25 | $42.2M | $38.2M | ||
| Q2 25 | $41.0M | $38.4M | ||
| Q1 25 | $40.5M | $32.5M | ||
| Q4 24 | $41.7M | $55.8M | ||
| Q3 24 | $42.0M | $29.3M | ||
| Q2 24 | $41.3M | $34.0M | ||
| Q1 24 | $40.9M | $25.5M |
净利润FCBCSTEM
| Q4 25 | $12.5M | $-16.0M | ||
| Q3 25 | $12.3M | $-23.8M | ||
| Q2 25 | $12.2M | $202.5M | ||
| Q1 25 | $11.8M | $-25.0M | ||
| Q4 24 | $13.0M | $-51.1M | ||
| Q3 24 | $13.0M | $-148.3M | ||
| Q2 24 | $12.7M | $-582.3M | ||
| Q1 24 | $12.8M | $-72.3M |
毛利率FCBCSTEM
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | -95.0% |
营业利润率FCBCSTEM
| Q4 25 | 36.8% | -17.7% | ||
| Q3 25 | 37.7% | -33.6% | ||
| Q2 25 | 38.6% | -34.8% | ||
| Q1 25 | 37.7% | -65.0% | ||
| Q4 24 | 39.6% | -84.4% | ||
| Q3 24 | 39.3% | -493.2% | ||
| Q2 24 | 39.3% | -1705.5% | ||
| Q1 24 | 40.3% | -267.0% |
净利率FCBCSTEM
| Q4 25 | 28.5% | -33.9% | ||
| Q3 25 | 29.1% | -62.2% | ||
| Q2 25 | 29.9% | 527.8% | ||
| Q1 25 | 29.2% | -76.9% | ||
| Q4 24 | 31.3% | -91.6% | ||
| Q3 24 | 31.0% | -506.3% | ||
| Q2 24 | 30.8% | -1712.6% | ||
| Q1 24 | 31.4% | -283.9% |
每股收益（稀释后）FCBCSTEM
| Q4 25 | $0.67 | $-4.40 | ||
| Q3 25 | $0.67 | $-2.84 | ||
| Q2 25 | $0.67 | $-1.79 | ||
| Q1 25 | $0.64 | $-0.15 | ||
| Q4 24 | $0.67 | $-15.29 | ||
| Q3 24 | $0.71 | $-18.24 | ||
| Q2 24 | $0.71 | $-71.81 | ||
| Q1 24 | $0.71 | $-0.46 |
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 | — | $48.9M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $500.5M | $-249.4M |
| 总资产 | $3.3B | $308.9M |
| 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FCBCSTEM
| Q4 25 | — | $48.9M | ||
| Q3 25 | — | $43.1M | ||
| Q2 25 | — | $40.8M | ||
| Q1 25 | — | $58.6M | ||
| Q4 24 | — | $56.3M | ||
| Q3 24 | — | $75.4M | ||
| Q2 24 | — | $89.6M | ||
| Q1 24 | — | $112.8M |
总债务FCBCSTEM
| Q4 25 | — | — | ||
| Q3 25 | $0 | — | ||
| Q2 25 | $0 | — | ||
| Q1 25 | $0 | — | ||
| Q4 24 | $0 | — | ||
| Q3 24 | $0 | — | ||
| Q2 24 | $0 | — | ||
| Q1 24 | $0 | — |
股东权益FCBCSTEM
| Q4 25 | $500.5M | $-249.4M | ||
| Q3 25 | $510.7M | $-235.7M | ||
| Q2 25 | $502.8M | $-214.1M | ||
| Q1 25 | $496.4M | $-417.5M | ||
| Q4 24 | $526.4M | $-398.4M | ||
| Q3 24 | $520.7M | $-344.1M | ||
| Q2 24 | $508.9M | $-203.2M | ||
| Q1 24 | $506.9M | $371.6M |
总资产FCBCSTEM
| Q4 25 | $3.3B | $308.9M | ||
| Q3 25 | $3.2B | $362.6M | ||
| Q2 25 | $3.2B | $379.2M | ||
| Q1 25 | $3.2B | $405.1M | ||
| Q4 24 | $3.3B | $437.4M | ||
| Q3 24 | $3.2B | $537.8M | ||
| Q2 24 | $3.2B | $691.5M | ||
| Q1 24 | $3.2B | $1.3B |
负债/权益比FCBCSTEM
| Q4 25 | — | — | ||
| Q3 25 | 0.00× | — | ||
| Q2 25 | 0.00× | — | ||
| Q1 25 | 0.00× | — | ||
| Q4 24 | 0.00× | — | ||
| Q3 24 | 0.00× | — | ||
| Q2 24 | 0.00× | — | ||
| Q1 24 | 0.00× | — |
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 | $62.7M | $8.2M |
| 自由现金流经营现金流 - 资本支出 | $60.0M | — |
| 自由现金流率自由现金流/营收 | 137.0% | — |
| 资本支出强度资本支出/营收 | 6.3% | — |
| 现金转化率经营现金流/净利润 | 5.03× | — |
| 过去12个月自由现金流最近4个季度 | $100.6M | — |
8季度趋势，按日历期对齐
经营现金流FCBCSTEM
| Q4 25 | $62.7M | $8.2M | ||
| Q3 25 | $18.9M | $11.4M | ||
| Q2 25 | $10.2M | $-21.3M | ||
| Q1 25 | $13.2M | $8.5M | ||
| Q4 24 | $57.7M | $-14.7M | ||
| Q3 24 | $11.4M | $-9.4M | ||
| Q2 24 | $14.5M | $-11.9M | ||
| Q1 24 | $16.9M | $-621.0K |
自由现金流FCBCSTEM
| Q4 25 | $60.0M | — | ||
| Q3 25 | $18.5M | — | ||
| Q2 25 | $10.0M | — | ||
| Q1 25 | $12.1M | — | ||
| Q4 24 | $54.9M | — | ||
| Q3 24 | $10.9M | — | ||
| Q2 24 | $14.1M | — | ||
| Q1 24 | $15.2M | — |
自由现金流率FCBCSTEM
| Q4 25 | 137.0% | — | ||
| Q3 25 | 43.9% | — | ||
| Q2 25 | 24.3% | — | ||
| Q1 25 | 29.8% | — | ||
| Q4 24 | 131.8% | — | ||
| Q3 24 | 26.0% | — | ||
| Q2 24 | 34.1% | — | ||
| Q1 24 | 37.1% | — |
资本支出强度FCBCSTEM
| Q4 25 | 6.3% | — | ||
| Q3 25 | 1.0% | — | ||
| Q2 25 | 0.6% | — | ||
| Q1 25 | 2.8% | — | ||
| Q4 24 | 6.7% | — | ||
| Q3 24 | 1.2% | — | ||
| Q2 24 | 0.9% | — | ||
| Q1 24 | 4.4% | — |
现金转化率FCBCSTEM
| Q4 25 | 5.03× | — | ||
| Q3 25 | 1.54× | — | ||
| Q2 25 | 0.83× | -0.11× | ||
| Q1 25 | 1.12× | — | ||
| Q4 24 | 4.43× | — | ||
| Q3 24 | 0.88× | — | ||
| Q2 24 | 1.14× | — | ||
| Q1 24 | 1.32× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
