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FIRST FINANCIAL BANCORP（FFBC）与Forestar Group Inc.（FOR）财务数据对比。点击上方公司名可切换其他公司
Forestar Group Inc.的季度营收约是FIRST FINANCIAL BANCORP的1.0倍（$273.0M vs $271.5M），FIRST FINANCIAL BANCORP净利率更高（27.4% vs 5.6%，领先21.8%），过去两年FIRST FINANCIAL BANCORP的营收复合增速更高（12.4% vs -9.6%）
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。
福雷斯特集团是一家住宅地块开发企业，总部位于得克萨斯州阿灵顿，业务覆盖美国21个州的51个市场。截至2020年12月31日的12个月内，该公司交付了11518块住宅地块，目前在纽约证券交易所上市，自2002年起就是美国规模最大的住宅建筑商D.R. Horton的控股子公司。
FFBC vs FOR — 直观对比
营收规模更大
FOR
是对方的1.0倍
$271.5M
净利率更高
FFBC
高出21.8%
5.6%
两年增速更快
FFBC
近两年复合增速
-9.6%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $271.5M | $273.0M |
| 净利润 | $74.4M | $15.4M |
| 毛利率 | — | 20.1% |
| 营业利润率 | — | 7.6% |
| 净利率 | 27.4% | 5.6% |
| 营收同比 | — | 9.0% |
| 净利润同比 | — | -6.7% |
| 每股收益（稀释后） | $0.71 | $0.30 |
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FFBCFOR
| Q1 26 | $271.5M | — | ||
| Q4 25 | $238.8M | $273.0M | ||
| Q3 25 | $234.0M | $670.5M | ||
| Q2 25 | $226.3M | $390.5M | ||
| Q1 25 | $200.4M | $351.0M | ||
| Q4 24 | $224.3M | $250.4M | ||
| Q3 24 | $201.3M | $551.3M | ||
| Q2 24 | $214.8M | $318.4M |
净利润FFBCFOR
| Q1 26 | $74.4M | — | ||
| Q4 25 | — | $15.4M | ||
| Q3 25 | $71.9M | $86.9M | ||
| Q2 25 | $70.0M | $32.9M | ||
| Q1 25 | $51.3M | $31.6M | ||
| Q4 24 | — | $16.5M | ||
| Q3 24 | $52.5M | $81.5M | ||
| Q2 24 | $60.8M | $38.7M |
毛利率FFBCFOR
| Q1 26 | — | — | ||
| Q4 25 | — | 20.1% | ||
| Q3 25 | — | 22.3% | ||
| Q2 25 | — | 20.4% | ||
| Q1 25 | — | 22.6% | ||
| Q4 24 | — | 22.0% | ||
| Q3 24 | — | 23.9% | ||
| Q2 24 | — | 22.5% |
营业利润率FFBCFOR
| Q1 26 | — | — | ||
| Q4 25 | — | 7.6% | ||
| Q3 25 | 38.7% | 16.9% | ||
| Q2 25 | 38.8% | 11.2% | ||
| Q1 25 | 31.7% | 11.6% | ||
| Q4 24 | — | 8.7% | ||
| Q3 24 | 32.2% | 19.7% | ||
| Q2 24 | 34.8% | 16.2% |
净利率FFBCFOR
| Q1 26 | 27.4% | — | ||
| Q4 25 | — | 5.6% | ||
| Q3 25 | 30.7% | 13.0% | ||
| Q2 25 | 30.9% | 8.4% | ||
| Q1 25 | 25.6% | 9.0% | ||
| Q4 24 | — | 6.6% | ||
| Q3 24 | 26.1% | 14.8% | ||
| Q2 24 | 28.3% | 12.2% |
每股收益（稀释后）FFBCFOR
| Q1 26 | $0.71 | — | ||
| Q4 25 | $0.64 | $0.30 | ||
| Q3 25 | $0.75 | $1.70 | ||
| Q2 25 | $0.73 | $0.65 | ||
| Q1 25 | $0.54 | $0.62 | ||
| Q4 24 | $0.68 | $0.32 | ||
| Q3 24 | $0.55 | $1.59 | ||
| Q2 24 | $0.64 | $0.76 |
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 | — | $211.7M |
| 总债务越低越好 | $13.1M | $793.2M |
| 股东权益账面价值 | $2.9B | $1.8B |
| 总资产 | $22.5B | $3.2B |
| 负债/权益比越低杠杆越低 | 0.00× | 0.44× |
8季度趋势，按日历期对齐
现金及短期投资FFBCFOR
| Q1 26 | — | — | ||
| Q4 25 | — | $211.7M | ||
| Q3 25 | — | $379.2M | ||
| Q2 25 | — | $189.2M | ||
| Q1 25 | — | $174.3M | ||
| Q4 24 | — | $132.0M | ||
| Q3 24 | — | $481.2M | ||
| Q2 24 | — | $359.2M |
总债务FFBCFOR
| Q1 26 | $13.1M | — | ||
| Q4 25 | $514.1M | $793.2M | ||
| Q3 25 | $221.8M | $802.7M | ||
| Q2 25 | $345.0M | $872.8M | ||
| Q1 25 | $345.9M | $872.5M | ||
| Q4 24 | $347.5M | $806.8M | ||
| Q3 24 | $344.1M | $706.4M | ||
| Q2 24 | $338.6M | $706.1M |
股东权益FFBCFOR
| Q1 26 | $2.9B | — | ||
| Q4 25 | $2.8B | $1.8B | ||
| Q3 25 | $2.6B | $1.8B | ||
| Q2 25 | $2.6B | $1.7B | ||
| Q1 25 | $2.5B | $1.6B | ||
| Q4 24 | $2.4B | $1.6B | ||
| Q3 24 | $2.5B | $1.6B | ||
| Q2 24 | $2.3B | $1.5B |
总资产FFBCFOR
| Q1 26 | $22.5B | — | ||
| Q4 25 | $21.1B | $3.2B | ||
| Q3 25 | $18.6B | $3.1B | ||
| Q2 25 | $18.6B | $3.1B | ||
| Q1 25 | $18.5B | $3.0B | ||
| Q4 24 | $18.6B | $3.0B | ||
| Q3 24 | $18.1B | $2.8B | ||
| Q2 24 | $18.2B | $2.7B |
负债/权益比FFBCFOR
| Q1 26 | 0.00× | — | ||
| Q4 25 | 0.19× | 0.44× | ||
| Q3 25 | 0.08× | 0.45× | ||
| Q2 25 | 0.13× | 0.52× | ||
| Q1 25 | 0.14× | 0.53× | ||
| Q4 24 | 0.14× | 0.50× | ||
| Q3 24 | 0.14× | 0.44× | ||
| Q2 24 | 0.15× | 0.47× |
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 | — | $-157.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-157.1M |
| 自由现金流率自由现金流/营收 | — | -57.5% |
| 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 | — | -10.19× |
| 过去12个月自由现金流最近4个季度 | — | $93.0M |
8季度趋势，按日历期对齐
经营现金流FFBCFOR
| Q1 26 | — | — | ||
| Q4 25 | $337.9M | $-157.0M | ||
| Q3 25 | $89.8M | $256.3M | ||
| Q2 25 | $69.8M | $15.8M | ||
| Q1 25 | $56.1M | $-19.8M | ||
| Q4 24 | $262.2M | $-450.0M | ||
| Q3 24 | $88.1M | $119.2M | ||
| Q2 24 | $68.1M | $-61.7M |
自由现金流FFBCFOR
| Q1 26 | — | — | ||
| Q4 25 | $317.1M | $-157.1M | ||
| Q3 25 | $85.8M | $255.6M | ||
| Q2 25 | $64.8M | $15.0M | ||
| Q1 25 | $52.4M | $-20.5M | ||
| Q4 24 | $241.1M | — | ||
| Q3 24 | $84.4M | $118.4M | ||
| Q2 24 | $64.8M | $-62.3M |
自由现金流率FFBCFOR
| Q1 26 | — | — | ||
| Q4 25 | 132.8% | -57.5% | ||
| Q3 25 | 36.7% | 38.1% | ||
| Q2 25 | 28.6% | 3.8% | ||
| Q1 25 | 26.1% | -5.8% | ||
| Q4 24 | 107.5% | — | ||
| Q3 24 | 42.0% | 21.5% | ||
| Q2 24 | 30.2% | -19.6% |
资本支出强度FFBCFOR
| Q1 26 | — | — | ||
| Q4 25 | 8.7% | 0.0% | ||
| Q3 25 | 1.7% | 0.1% | ||
| Q2 25 | 2.2% | 0.2% | ||
| Q1 25 | 1.9% | 0.2% | ||
| Q4 24 | 9.4% | 0.0% | ||
| Q3 24 | 1.8% | 0.1% | ||
| Q2 24 | 1.5% | 0.2% |
现金转化率FFBCFOR
| Q1 26 | — | — | ||
| Q4 25 | — | -10.19× | ||
| Q3 25 | 1.25× | 2.95× | ||
| Q2 25 | 1.00× | 0.48× | ||
| Q1 25 | 1.09× | -0.63× | ||
| Q4 24 | — | -27.27× | ||
| Q3 24 | 1.68× | 1.46× | ||
| Q2 24 | 1.12× | -1.59× |
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% |
FOR
| D.R.Horton Inc. | $183.8M | 67% |
| Other | $89.2M | 33% |
