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FIDELITY D & D BANCORP INC（FDBC）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FIDELITY D & D BANCORP INC的1.9倍（$47.1M vs $24.4M），FIDELITY D & D BANCORP INC净利率更高（32.5% vs -33.9%，领先66.4%），FIDELITY D & D BANCORP INC同比增速更快（15.0% vs -15.6%），过去两年STEM, INC.的营收复合增速更高（36.1% 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。
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。
FDBC vs STEM — 直观对比
营收规模更大
STEM
是对方的1.9倍
$24.4M
营收增速更快
FDBC
高出30.5%
-15.6%
净利率更高
FDBC
高出66.4%
-33.9%
两年增速更快
STEM
近两年复合增速
11.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $24.4M | $47.1M |
| 净利润 | $7.9M | $-16.0M |
| 毛利率 | — | 48.9% |
| 营业利润率 | 37.7% | -17.7% |
| 净利率 | 32.5% | -33.9% |
| 营收同比 | 15.0% | -15.6% |
| 净利润同比 | 36.1% | 68.8% |
| 每股收益（稀释后） | $1.29 | $-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FDBCSTEM
| Q4 25 | $24.4M | $47.1M | ||
| Q3 25 | $23.5M | $38.2M | ||
| Q2 25 | $23.3M | $38.4M | ||
| Q1 25 | $22.0M | $32.5M | ||
| Q4 24 | $21.2M | $55.8M | ||
| Q3 24 | $20.4M | $29.3M | ||
| Q2 24 | $19.7M | $34.0M | ||
| Q1 24 | $19.5M | $25.5M |
净利润FDBCSTEM
| Q4 25 | $7.9M | $-16.0M | ||
| Q3 25 | $7.3M | $-23.8M | ||
| Q2 25 | $6.9M | $202.5M | ||
| Q1 25 | $6.0M | $-25.0M | ||
| Q4 24 | $5.8M | $-51.1M | ||
| Q3 24 | $5.0M | $-148.3M | ||
| Q2 24 | $4.9M | $-582.3M | ||
| Q1 24 | $5.1M | $-72.3M |
毛利率FDBCSTEM
| 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FDBCSTEM
| Q4 25 | 37.7% | -17.7% | ||
| Q3 25 | 36.5% | -33.6% | ||
| Q2 25 | 35.5% | -34.8% | ||
| Q1 25 | 32.2% | -65.0% | ||
| Q4 24 | 31.4% | -84.4% | ||
| Q3 24 | 28.2% | -493.2% | ||
| Q2 24 | 28.9% | -1705.5% | ||
| Q1 24 | 29.5% | -267.0% |
净利率FDBCSTEM
| Q4 25 | 32.5% | -33.9% | ||
| Q3 25 | 31.2% | -62.2% | ||
| Q2 25 | 29.7% | 527.8% | ||
| Q1 25 | 27.2% | -76.9% | ||
| Q4 24 | 27.5% | -91.6% | ||
| Q3 24 | 24.3% | -506.3% | ||
| Q2 24 | 25.0% | -1712.6% | ||
| Q1 24 | 25.9% | -283.9% |
每股收益（稀释后）FDBCSTEM
| Q4 25 | $1.29 | $-4.40 | ||
| Q3 25 | $1.27 | $-2.84 | ||
| Q2 25 | $1.27 | $-1.79 | ||
| Q1 25 | $1.03 | $-0.15 | ||
| Q4 24 | $1.00 | $-15.29 | ||
| Q3 24 | $0.86 | $-18.24 | ||
| Q2 24 | $0.86 | $-71.81 | ||
| Q1 24 | $0.88 | $-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 | $148.1M | $48.9M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $238.9M | $-249.4M |
| 总资产 | $2.7B | $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FDBCSTEM
| Q4 25 | $148.1M | $48.9M | ||
| Q3 25 | $142.2M | $43.1M | ||
| Q2 25 | $165.5M | $40.8M | ||
| Q1 25 | $211.2M | $58.6M | ||
| Q4 24 | $83.4M | $56.3M | ||
| Q3 24 | $120.2M | $75.4M | ||
| Q2 24 | $78.1M | $89.6M | ||
| Q1 24 | $72.7M | $112.8M |
股东权益FDBCSTEM
| Q4 25 | $238.9M | $-249.4M | ||
| Q3 25 | $229.2M | $-235.7M | ||
| Q2 25 | $217.9M | $-214.1M | ||
| Q1 25 | $211.7M | $-417.5M | ||
| Q4 24 | $204.0M | $-398.4M | ||
| Q3 24 | $207.3M | $-344.1M | ||
| Q2 24 | $195.7M | $-203.2M | ||
| Q1 24 | $191.6M | $371.6M |
总资产FDBCSTEM
| Q4 25 | $2.7B | $308.9M | ||
| Q3 25 | $2.7B | $362.6M | ||
| Q2 25 | $2.7B | $379.2M | ||
| Q1 25 | $2.7B | $405.1M | ||
| Q4 24 | $2.6B | $437.4M | ||
| Q3 24 | $2.6B | $537.8M | ||
| Q2 24 | $2.5B | $691.5M | ||
| Q1 24 | $2.5B | $1.3B |
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 | $8.2M |
| 自由现金流经营现金流 - 资本支出 | $24.8M | — |
| 自由现金流率自由现金流/营收 | 101.7% | — |
| 资本支出强度资本支出/营收 | 71.9% | — |
| 现金转化率经营现金流/净利润 | 5.34× | — |
| 过去12个月自由现金流最近4个季度 | $45.4M | — |
8季度趋势，按日历期对齐
经营现金流FDBCSTEM
| Q4 25 | $42.4M | $8.2M | ||
| Q3 25 | $8.4M | $11.4M | ||
| Q2 25 | $12.6M | $-21.3M | ||
| Q1 25 | $11.7M | $8.5M | ||
| Q4 24 | $29.6M | $-14.7M | ||
| Q3 24 | $9.1M | $-9.4M | ||
| Q2 24 | $8.7M | $-11.9M | ||
| Q1 24 | $5.3M | $-621.0K |
自由现金流FDBCSTEM
| Q4 25 | $24.8M | — | ||
| Q3 25 | $2.2M | — | ||
| Q2 25 | $6.9M | — | ||
| Q1 25 | $11.5M | — | ||
| Q4 24 | $24.9M | — | ||
| Q3 24 | $7.8M | — | ||
| Q2 24 | $7.2M | — | ||
| Q1 24 | $4.0M | — |
自由现金流率FDBCSTEM
| Q4 25 | 101.7% | — | ||
| Q3 25 | 9.3% | — | ||
| Q2 25 | 29.6% | — | ||
| Q1 25 | 52.3% | — | ||
| Q4 24 | 117.3% | — | ||
| Q3 24 | 38.1% | — | ||
| Q2 24 | 36.6% | — | ||
| Q1 24 | 20.7% | — |
资本支出强度FDBCSTEM
| Q4 25 | 71.9% | — | ||
| Q3 25 | 26.5% | — | ||
| Q2 25 | 24.4% | — | ||
| Q1 25 | 0.8% | — | ||
| Q4 24 | 22.0% | — | ||
| Q3 24 | 6.3% | — | ||
| Q2 24 | 7.5% | — | ||
| Q1 24 | 6.7% | — |
现金转化率FDBCSTEM
| Q4 25 | 5.34× | — | ||
| Q3 25 | 1.15× | — | ||
| Q2 25 | 1.82× | -0.11× | ||
| Q1 25 | 1.95× | — | ||
| Q4 24 | 5.07× | — | ||
| Q3 24 | 1.83× | — | ||
| Q2 24 | 1.76× | — | ||
| Q1 24 | 1.05× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
