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FIDELITY D & D BANCORP INC（FDBC）与First Bancorp, Inc（FNLC）财务数据对比。点击上方公司名可切换其他公司
First Bancorp, Inc的季度营收约是FIDELITY D & D BANCORP INC的1.1倍（$25.8M vs $24.4M），First Bancorp, Inc净利率更高（39.4% vs 32.5%，领先6.8%），First Bancorp, Inc同比增速更快（17.5% vs 15.0%），First Bancorp, Inc自由现金流更多（$34.6M vs $24.8M），过去两年First Bancorp, Inc的营收复合增速更高（18.1% vs 11.8%）
Fidelity D & D Bancorp Inc是一家总部位于美国的地区性银行控股公司，主要在宾夕法尼亚州东北部开展业务，为个人消费者、小微企业及当地社区客户提供存款账户、消费及商业贷款、抵押贷款、财富管理等综合零售及商业银行服务。
第一银行公司（First Bancorp, Inc）是一家银行控股公司，其核心业务通过总部位于康涅狄格州斯坦福的爱国者国家银行（Patriot Bank NA）开展，相关 banking 业务也以PNBK代码在纳斯达克挂牌交易。
FDBC vs FNLC — 直观对比
营收规模更大
FNLC
是对方的1.1倍
$24.4M
营收增速更快
FNLC
高出2.5%
15.0%
净利率更高
FNLC
高出6.8%
32.5%
自由现金流更多
FNLC
多$9.8M
$24.8M
两年增速更快
FNLC
近两年复合增速
11.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $24.4M | $25.8M |
| 净利润 | $7.9M | $10.2M |
| 毛利率 | — | — |
| 营业利润率 | 37.7% | 48.1% |
| 净利率 | 32.5% | 39.4% |
| 营收同比 | 15.0% | 17.5% |
| 净利润同比 | 36.1% | 39.7% |
| 每股收益（稀释后） | $1.29 | $0.91 |
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FDBCFNLC
| Q4 25 | $24.4M | $25.8M | ||
| Q3 25 | $23.5M | $24.5M | ||
| Q2 25 | $23.3M | $22.5M | ||
| Q1 25 | $22.0M | $21.8M | ||
| Q4 24 | $21.2M | $22.0M | ||
| Q3 24 | $20.4M | $20.5M | ||
| Q2 24 | $19.7M | $19.2M | ||
| Q1 24 | $19.5M | $18.5M |
净利润FDBCFNLC
| Q4 25 | $7.9M | $10.2M | ||
| Q3 25 | $7.3M | $9.1M | ||
| Q2 25 | $6.9M | $8.1M | ||
| Q1 25 | $6.0M | $7.1M | ||
| Q4 24 | $5.8M | $7.3M | ||
| Q3 24 | $5.0M | $7.6M | ||
| Q2 24 | $4.9M | $6.2M | ||
| Q1 24 | $5.1M | $6.0M |
营业利润率FDBCFNLC
| Q4 25 | 37.7% | 48.1% | ||
| Q3 25 | 36.5% | 45.2% | ||
| Q2 25 | 35.5% | 43.7% | ||
| Q1 25 | 32.2% | 39.3% | ||
| Q4 24 | 31.4% | 39.5% | ||
| Q3 24 | 28.2% | 44.6% | ||
| Q2 24 | 28.9% | 38.8% | ||
| Q1 24 | 29.5% | 39.3% |
净利率FDBCFNLC
| Q4 25 | 32.5% | 39.4% | ||
| Q3 25 | 31.2% | 37.0% | ||
| Q2 25 | 29.7% | 35.8% | ||
| Q1 25 | 27.2% | 32.5% | ||
| Q4 24 | 27.5% | 33.1% | ||
| Q3 24 | 24.3% | 36.9% | ||
| Q2 24 | 25.0% | 32.1% | ||
| Q1 24 | 25.9% | 32.5% |
每股收益（稀释后）FDBCFNLC
| Q4 25 | $1.29 | $0.91 | ||
| Q3 25 | $1.27 | $0.81 | ||
| Q2 25 | $1.27 | $0.72 | ||
| Q1 25 | $1.03 | $0.63 | ||
| Q4 24 | $1.00 | $0.66 | ||
| Q3 24 | $0.86 | $0.68 | ||
| Q2 24 | $0.86 | $0.55 | ||
| Q1 24 | $0.88 | $0.54 |
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 | $148.1M | — |
| 总债务越低越好 | — | $95.5M |
| 股东权益账面价值 | $238.9M | $283.1M |
| 总资产 | $2.7B | $3.2B |
| 负债/权益比越低杠杆越低 | — | 0.34× |
8季度趋势，按日历期对齐
现金及短期投资FDBCFNLC
| Q4 25 | $148.1M | — | ||
| Q3 25 | $142.2M | — | ||
| Q2 25 | $165.5M | — | ||
| Q1 25 | $211.2M | — | ||
| Q4 24 | $83.4M | — | ||
| Q3 24 | $120.2M | — | ||
| Q2 24 | $78.1M | — | ||
| Q1 24 | $72.7M | — |
总债务FDBCFNLC
| Q4 25 | — | $95.5M | ||
| Q3 25 | — | $95.5M | ||
| Q2 25 | — | $95.0M | ||
| Q1 25 | — | $70.0M | ||
| Q4 24 | — | $95.0M | ||
| Q3 24 | — | $95.0M | ||
| Q2 24 | — | $70.0M | ||
| Q1 24 | — | $70.0M |
股东权益FDBCFNLC
| Q4 25 | $238.9M | $283.1M | ||
| Q3 25 | $229.2M | $274.6M | ||
| Q2 25 | $217.9M | $265.5M | ||
| Q1 25 | $211.7M | $259.7M | ||
| Q4 24 | $204.0M | $252.5M | ||
| Q3 24 | $207.3M | $256.8M | ||
| Q2 24 | $195.7M | $244.7M | ||
| Q1 24 | $191.6M | $242.6M |
总资产FDBCFNLC
| Q4 25 | $2.7B | $3.2B | ||
| Q3 25 | $2.7B | $3.2B | ||
| Q2 25 | $2.7B | $3.2B | ||
| Q1 25 | $2.7B | $3.2B | ||
| Q4 24 | $2.6B | $3.2B | ||
| Q3 24 | $2.6B | $3.1B | ||
| Q2 24 | $2.5B | $3.1B | ||
| Q1 24 | $2.5B | $3.0B |
负债/权益比FDBCFNLC
| Q4 25 | — | 0.34× | ||
| Q3 25 | — | 0.35× | ||
| Q2 25 | — | 0.36× | ||
| Q1 25 | — | 0.27× | ||
| Q4 24 | — | 0.38× | ||
| Q3 24 | — | 0.37× | ||
| Q2 24 | — | 0.29× | ||
| Q1 24 | — | 0.29× |
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 | $42.4M | $37.8M |
| 自由现金流经营现金流 - 资本支出 | $24.8M | $34.6M |
| 自由现金流率自由现金流/营收 | 101.7% | 133.9% |
| 资本支出强度资本支出/营收 | 71.9% | 12.5% |
| 现金转化率经营现金流/净利润 | 5.34× | 3.72× |
| 过去12个月自由现金流最近4个季度 | $45.4M | $55.3M |
8季度趋势，按日历期对齐
经营现金流FDBCFNLC
| Q4 25 | $42.4M | $37.8M | ||
| Q3 25 | $8.4M | $12.9M | ||
| Q2 25 | $12.6M | $7.4M | ||
| Q1 25 | $11.7M | $2.2M | ||
| Q4 24 | $29.6M | $26.0M | ||
| Q3 24 | $9.1M | $9.8M | ||
| Q2 24 | $8.7M | $6.4M | ||
| Q1 24 | $5.3M | $-1.5M |
自由现金流FDBCFNLC
| Q4 25 | $24.8M | $34.6M | ||
| Q3 25 | $2.2M | $12.6M | ||
| Q2 25 | $6.9M | $7.2M | ||
| Q1 25 | $11.5M | $828.0K | ||
| Q4 24 | $24.9M | $24.6M | ||
| Q3 24 | $7.8M | $9.6M | ||
| Q2 24 | $7.2M | $6.3M | ||
| Q1 24 | $4.0M | $-1.8M |
自由现金流率FDBCFNLC
| Q4 25 | 101.7% | 133.9% | ||
| Q3 25 | 9.3% | 51.4% | ||
| Q2 25 | 29.6% | 32.1% | ||
| Q1 25 | 52.3% | 3.8% | ||
| Q4 24 | 117.3% | 111.7% | ||
| Q3 24 | 38.1% | 47.0% | ||
| Q2 24 | 36.6% | 32.9% | ||
| Q1 24 | 20.7% | -9.8% |
资本支出强度FDBCFNLC
| Q4 25 | 71.9% | 12.5% | ||
| Q3 25 | 26.5% | 1.2% | ||
| Q2 25 | 24.4% | 0.6% | ||
| Q1 25 | 0.8% | 6.2% | ||
| Q4 24 | 22.0% | 6.7% | ||
| Q3 24 | 6.3% | 0.5% | ||
| Q2 24 | 7.5% | 0.3% | ||
| Q1 24 | 6.7% | 1.8% |
现金转化率FDBCFNLC
| Q4 25 | 5.34× | 3.72× | ||
| Q3 25 | 1.15× | 1.42× | ||
| Q2 25 | 1.82× | 0.91× | ||
| Q1 25 | 1.95× | 0.31× | ||
| Q4 24 | 5.07× | 3.58× | ||
| Q3 24 | 1.83× | 1.29× | ||
| Q2 24 | 1.76× | 1.03× | ||
| Q1 24 | 1.05× | -0.25× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
