vs
FIRST FINANCIAL BANCORP（FFBC）与Fair Isaac（FICO）财务数据对比。点击上方公司名可切换其他公司
Fair Isaac的季度营收约是FIRST FINANCIAL BANCORP的1.9倍（$512.0M vs $271.5M），Fair Isaac净利率更高（30.9% vs 27.4%，领先3.5%），过去两年FIRST FINANCIAL BANCORP的营收复合增速更高（12.4% vs 8.6%）
第一金融银行集团是总部位于美国俄亥俄州辛辛那提的区域性银行，运营中心设于辛辛那提北郊斯普林代尔及印第安纳州格林斯堡。该行成立于1863年，拥有美国第六悠久的国家银行牌照，在俄亥俄、印第安纳、肯塔基、伊利诺伊四州共设有131个营业网点，2009年9月曾在政府协助下收购欧文金融公司及其子公司。
FICO（原Fair, Isaac and Company）是美国知名数据分析企业，1956年由比尔·费尔与厄尔·艾萨克创立，总部位于蒙大拿州博兹曼市，核心业务为信用评分服务，其推出的FICO信用分是评估消费者信贷风险的重要指标，目前已被美国消费信贷行业广泛采用。
FFBC vs FICO — 直观对比
营收规模更大
FICO
是对方的1.9倍
$271.5M
净利率更高
FICO
高出3.5%
27.4%
两年增速更快
FFBC
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $271.5M | $512.0M |
| 净利润 | $74.4M | $158.4M |
| 毛利率 | — | 83.0% |
| 营业利润率 | — | 45.7% |
| 净利率 | 27.4% | 30.9% |
| 营收同比 | — | 16.4% |
| 净利润同比 | — | 3.8% |
| 每股收益（稀释后） | $0.71 | $6.61 |
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FFBCFICO
| Q1 26 | $271.5M | — | ||
| Q4 25 | $238.8M | $512.0M | ||
| Q3 25 | $234.0M | $515.8M | ||
| Q2 25 | $226.3M | $536.4M | ||
| Q1 25 | $200.4M | $498.7M | ||
| Q4 24 | $224.3M | $440.0M | ||
| Q3 24 | $201.3M | $453.8M | ||
| Q2 24 | $214.8M | $447.8M |
净利润FFBCFICO
| Q1 26 | $74.4M | — | ||
| Q4 25 | — | $158.4M | ||
| Q3 25 | $71.9M | $155.0M | ||
| Q2 25 | $70.0M | $181.8M | ||
| Q1 25 | $51.3M | $162.6M | ||
| Q4 24 | — | $152.5M | ||
| Q3 24 | $52.5M | $135.7M | ||
| Q2 24 | $60.8M | $126.3M |
毛利率FFBCFICO
| Q1 26 | — | — | ||
| Q4 25 | — | 83.0% | ||
| Q3 25 | — | 82.3% | ||
| Q2 25 | — | 83.7% | ||
| Q1 25 | — | 82.4% | ||
| Q4 24 | — | 80.1% | ||
| Q3 24 | — | 80.3% | ||
| Q2 24 | — | 80.3% |
营业利润率FFBCFICO
| Q1 26 | — | — | ||
| Q4 25 | — | 45.7% | ||
| Q3 25 | 38.7% | 46.0% | ||
| Q2 25 | 38.8% | 48.9% | ||
| Q1 25 | 31.7% | 49.3% | ||
| Q4 24 | — | 40.8% | ||
| Q3 24 | 32.2% | 43.4% | ||
| Q2 24 | 34.8% | 42.5% |
净利率FFBCFICO
| Q1 26 | 27.4% | — | ||
| Q4 25 | — | 30.9% | ||
| Q3 25 | 30.7% | 30.1% | ||
| Q2 25 | 30.9% | 33.9% | ||
| Q1 25 | 25.6% | 32.6% | ||
| Q4 24 | — | 34.7% | ||
| Q3 24 | 26.1% | 29.9% | ||
| Q2 24 | 28.3% | 28.2% |
每股收益（稀释后）FFBCFICO
| Q1 26 | $0.71 | — | ||
| Q4 25 | $0.64 | $6.61 | ||
| Q3 25 | $0.75 | $6.41 | ||
| Q2 25 | $0.73 | $7.40 | ||
| Q1 25 | $0.54 | $6.59 | ||
| Q4 24 | $0.68 | $6.14 | ||
| Q3 24 | $0.55 | $5.44 | ||
| Q2 24 | $0.64 | $5.05 |
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 | — | $162.0M |
| 总债务越低越好 | $13.1M | $3.2B |
| 股东权益账面价值 | $2.9B | $-1.8B |
| 总资产 | $22.5B | $1.9B |
| 负债/权益比越低杠杆越低 | 0.00× | — |
8季度趋势，按日历期对齐
现金及短期投资FFBCFICO
| Q1 26 | — | — | ||
| Q4 25 | — | $162.0M | ||
| Q3 25 | — | $134.1M | ||
| Q2 25 | — | $189.0M | ||
| Q1 25 | — | $146.6M | ||
| Q4 24 | — | $184.3M | ||
| Q3 24 | — | $150.7M | ||
| Q2 24 | — | $156.0M |
总债务FFBCFICO
| Q1 26 | $13.1M | — | ||
| Q4 25 | $514.1M | $3.2B | ||
| Q3 25 | $221.8M | $3.1B | ||
| Q2 25 | $345.0M | $2.8B | ||
| Q1 25 | $345.9M | $2.5B | ||
| Q4 24 | $347.5M | $2.4B | ||
| Q3 24 | $344.1M | $2.2B | ||
| Q2 24 | $338.6M | $2.1B |
股东权益FFBCFICO
| Q1 26 | $2.9B | — | ||
| Q4 25 | $2.8B | $-1.8B | ||
| Q3 25 | $2.6B | $-1.7B | ||
| Q2 25 | $2.6B | $-1.4B | ||
| Q1 25 | $2.5B | $-1.1B | ||
| Q4 24 | $2.4B | $-1.1B | ||
| Q3 24 | $2.5B | $-962.7M | ||
| Q2 24 | $2.3B | $-829.3M |
总资产FFBCFICO
| Q1 26 | $22.5B | — | ||
| Q4 25 | $21.1B | $1.9B | ||
| Q3 25 | $18.6B | $1.9B | ||
| Q2 25 | $18.6B | $1.9B | ||
| Q1 25 | $18.5B | $1.8B | ||
| Q4 24 | $18.6B | $1.7B | ||
| Q3 24 | $18.1B | $1.7B | ||
| Q2 24 | $18.2B | $1.7B |
负债/权益比FFBCFICO
| Q1 26 | 0.00× | — | ||
| Q4 25 | 0.19× | — | ||
| Q3 25 | 0.08× | — | ||
| Q2 25 | 0.13× | — | ||
| Q1 25 | 0.14× | — | ||
| Q4 24 | 0.14× | — | ||
| Q3 24 | 0.14× | — | ||
| Q2 24 | 0.15× | — |
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 | — | $174.1M |
| 自由现金流经营现金流 - 资本支出 | — | $173.9M |
| 自由现金流率自由现金流/营收 | — | 34.0% |
| 资本支出强度资本支出/营收 | — | 0.0% |
| 现金转化率经营现金流/净利润 | — | 1.10× |
| 过去12个月自由现金流最近4个季度 | — | $750.6M |
8季度趋势，按日历期对齐
经营现金流FFBCFICO
| Q1 26 | — | — | ||
| Q4 25 | $337.9M | $174.1M | ||
| Q3 25 | $89.8M | $223.7M | ||
| Q2 25 | $69.8M | $286.2M | ||
| Q1 25 | $56.1M | $74.9M | ||
| Q4 24 | $262.2M | $194.0M | ||
| Q3 24 | $88.1M | $226.5M | ||
| Q2 24 | $68.1M | $213.3M |
自由现金流FFBCFICO
| Q1 26 | — | — | ||
| Q4 25 | $317.1M | $173.9M | ||
| Q3 25 | $85.8M | $219.5M | ||
| Q2 25 | $64.8M | $284.4M | ||
| Q1 25 | $52.4M | $72.8M | ||
| Q4 24 | $241.1M | $193.2M | ||
| Q3 24 | $84.4M | $224.7M | ||
| Q2 24 | $64.8M | $211.6M |
自由现金流率FFBCFICO
| Q1 26 | — | — | ||
| Q4 25 | 132.8% | 34.0% | ||
| Q3 25 | 36.7% | 42.6% | ||
| Q2 25 | 28.6% | 53.0% | ||
| Q1 25 | 26.1% | 14.6% | ||
| Q4 24 | 107.5% | 43.9% | ||
| Q3 24 | 42.0% | 49.5% | ||
| Q2 24 | 30.2% | 47.2% |
资本支出强度FFBCFICO
| Q1 26 | — | — | ||
| Q4 25 | 8.7% | 0.0% | ||
| Q3 25 | 1.7% | 0.8% | ||
| Q2 25 | 2.2% | 0.3% | ||
| Q1 25 | 1.9% | 0.4% | ||
| Q4 24 | 9.4% | 0.2% | ||
| Q3 24 | 1.8% | 0.4% | ||
| Q2 24 | 1.5% | 0.4% |
现金转化率FFBCFICO
| Q1 26 | — | — | ||
| Q4 25 | — | 1.10× | ||
| Q3 25 | 1.25× | 1.44× | ||
| Q2 25 | 1.00× | 1.57× | ||
| Q1 25 | 1.09× | 0.46× | ||
| Q4 24 | — | 1.27× | ||
| Q3 24 | 1.68× | 1.67× | ||
| Q2 24 | 1.12× | 1.69× |
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
FFBC
| Net Interest Income | $189.6M | 70% |
| Noninterest Income | $81.9M | 30% |
FICO
| Business To Business Scores | $248.6M | 49% |
| Saa S Products | $115.7M | 23% |
| Platform Software | $73.9M | 14% |
| Business To Consumer Scores | $55.9M | 11% |
| Technology Service | $19.2M | 4% |
