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FIRST FINANCIAL BANCORP（FFBC）与H2O AMERICA（HTO）财务数据对比。点击上方公司名可切换其他公司
FIRST FINANCIAL BANCORP的季度营收约是H2O AMERICA的1.4倍（$271.5M vs $199.4M），FIRST FINANCIAL BANCORP净利率更高（27.4% vs 8.1%，领先19.3%），过去两年H2O AMERICA的营收复合增速更高（15.3% vs 12.4%）
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。
H2O Wireless是美国的预付费移动通信服务商，依托AT&T网络运营，隶属于MVNO（移动虚拟网络运营商）Locus通信，自2019年起Locus成为Telrite控股的子公司，此前2010年起曾是KDDI美国旗下资产。该品牌主打无限制套餐服务，支持用户自带或购买无锁智能手机入网，AT&T合约机/锁网机也可兼容使用。
FFBC vs HTO — 直观对比
营收规模更大
FFBC
是对方的1.4倍
$199.4M
净利率更高
FFBC
高出19.3%
8.1%
两年增速更快
HTO
近两年复合增速
12.4%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $271.5M | $199.4M |
| 净利润 | $74.4M | $16.2M |
| 毛利率 | — | — |
| 营业利润率 | — | 16.6% |
| 净利率 | 27.4% | 8.1% |
| 营收同比 | — | 1.5% |
| 净利润同比 | — | -29.2% |
| 每股收益（稀释后） | $0.71 | $0.45 |
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FFBCHTO
| Q1 26 | $271.5M | — | ||
| Q4 25 | $238.8M | $199.4M | ||
| Q3 25 | $234.0M | $243.5M | ||
| Q2 25 | $226.3M | $197.8M | ||
| Q1 25 | $200.4M | $164.9M | ||
| Q4 24 | $224.3M | $196.5M | ||
| Q3 24 | $201.3M | $216.7M | ||
| Q2 24 | $214.8M | $173.1M |
净利润FFBCHTO
| Q1 26 | $74.4M | — | ||
| Q4 25 | — | $16.2M | ||
| Q3 25 | $71.9M | $45.1M | ||
| Q2 25 | $70.0M | $24.7M | ||
| Q1 25 | $51.3M | $16.6M | ||
| Q4 24 | — | $22.9M | ||
| Q3 24 | $52.5M | $38.7M | ||
| Q2 24 | $60.8M | $20.7M |
营业利润率FFBCHTO
| Q1 26 | — | — | ||
| Q4 25 | — | 16.6% | ||
| Q3 25 | 38.7% | 26.5% | ||
| Q2 25 | 38.8% | 22.2% | ||
| Q1 25 | 31.7% | 21.8% | ||
| Q4 24 | — | 22.2% | ||
| Q3 24 | 32.2% | 26.9% | ||
| Q2 24 | 34.8% | 23.4% |
净利率FFBCHTO
| Q1 26 | 27.4% | — | ||
| Q4 25 | — | 8.1% | ||
| Q3 25 | 30.7% | 18.5% | ||
| Q2 25 | 30.9% | 12.5% | ||
| Q1 25 | 25.6% | 10.0% | ||
| Q4 24 | — | 11.7% | ||
| Q3 24 | 26.1% | 17.8% | ||
| Q2 24 | 28.3% | 12.0% |
每股收益（稀释后）FFBCHTO
| Q1 26 | $0.71 | — | ||
| Q4 25 | $0.64 | $0.45 | ||
| Q3 25 | $0.75 | $1.27 | ||
| Q2 25 | $0.73 | $0.71 | ||
| Q1 25 | $0.54 | $0.49 | ||
| Q4 24 | $0.68 | $0.70 | ||
| Q3 24 | $0.55 | $1.17 | ||
| Q2 24 | $0.64 | $0.64 |
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 | — | $20.7M |
| 总债务越低越好 | $13.1M | $1.9B |
| 股东权益账面价值 | $2.9B | $1.5B |
| 总资产 | $22.5B | $5.1B |
| 负债/权益比越低杠杆越低 | 0.00× | 1.23× |
8季度趋势，按日历期对齐
现金及短期投资FFBCHTO
| Q1 26 | — | — | ||
| Q4 25 | — | $20.7M | ||
| Q3 25 | — | $11.3M | ||
| Q2 25 | — | $19.8M | ||
| Q1 25 | — | $23.7M | ||
| Q4 24 | — | $11.1M | ||
| Q3 24 | — | $4.0M | ||
| Q2 24 | — | $22.8M |
总债务FFBCHTO
| Q1 26 | $13.1M | — | ||
| Q4 25 | $514.1M | $1.9B | ||
| Q3 25 | $221.8M | — | ||
| Q2 25 | $345.0M | — | ||
| Q1 25 | $345.9M | — | ||
| Q4 24 | $347.5M | $1.7B | ||
| Q3 24 | $344.1M | — | ||
| Q2 24 | $338.6M | — |
股东权益FFBCHTO
| Q1 26 | $2.9B | — | ||
| Q4 25 | $2.8B | $1.5B | ||
| Q3 25 | $2.6B | $1.5B | ||
| Q2 25 | $2.6B | $1.5B | ||
| Q1 25 | $2.5B | $1.4B | ||
| Q4 24 | $2.4B | $1.4B | ||
| Q3 24 | $2.5B | $1.3B | ||
| Q2 24 | $2.3B | $1.3B |
总资产FFBCHTO
| Q1 26 | $22.5B | — | ||
| Q4 25 | $21.1B | $5.1B | ||
| Q3 25 | $18.6B | $5.0B | ||
| Q2 25 | $18.6B | $4.8B | ||
| Q1 25 | $18.5B | $4.7B | ||
| Q4 24 | $18.6B | $4.7B | ||
| Q3 24 | $18.1B | $4.6B | ||
| Q2 24 | $18.2B | $4.4B |
负债/权益比FFBCHTO
| Q1 26 | 0.00× | — | ||
| Q4 25 | 0.19× | 1.23× | ||
| Q3 25 | 0.08× | — | ||
| Q2 25 | 0.13× | — | ||
| Q1 25 | 0.14× | — | ||
| Q4 24 | 0.14× | 1.26× | ||
| 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 | — | $63.5M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | 3.92× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流FFBCHTO
| Q1 26 | — | — | ||
| Q4 25 | $337.9M | $63.5M | ||
| Q3 25 | $89.8M | $77.3M | ||
| Q2 25 | $69.8M | $60.8M | ||
| Q1 25 | $56.1M | $43.2M | ||
| Q4 24 | $262.2M | $41.5M | ||
| Q3 24 | $88.1M | $53.5M | ||
| Q2 24 | $68.1M | $49.3M |
自由现金流FFBCHTO
| Q1 26 | — | — | ||
| Q4 25 | $317.1M | — | ||
| Q3 25 | $85.8M | — | ||
| Q2 25 | $64.8M | — | ||
| Q1 25 | $52.4M | — | ||
| Q4 24 | $241.1M | — | ||
| Q3 24 | $84.4M | — | ||
| Q2 24 | $64.8M | — |
自由现金流率FFBCHTO
| Q1 26 | — | — | ||
| Q4 25 | 132.8% | — | ||
| Q3 25 | 36.7% | — | ||
| Q2 25 | 28.6% | — | ||
| Q1 25 | 26.1% | — | ||
| Q4 24 | 107.5% | — | ||
| Q3 24 | 42.0% | — | ||
| Q2 24 | 30.2% | — |
资本支出强度FFBCHTO
| Q1 26 | — | — | ||
| Q4 25 | 8.7% | — | ||
| Q3 25 | 1.7% | — | ||
| Q2 25 | 2.2% | — | ||
| Q1 25 | 1.9% | — | ||
| Q4 24 | 9.4% | — | ||
| Q3 24 | 1.8% | — | ||
| Q2 24 | 1.5% | — |
现金转化率FFBCHTO
| Q1 26 | — | — | ||
| Q4 25 | — | 3.92× | ||
| Q3 25 | 1.25× | 1.71× | ||
| Q2 25 | 1.00× | 2.47× | ||
| Q1 25 | 1.09× | 2.61× | ||
| Q4 24 | — | 1.81× | ||
| Q3 24 | 1.68× | 1.39× | ||
| Q2 24 | 1.12× | 2.38× |
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% |
HTO
| Water Utility Services | $191.0M | 96% |
| Other | $8.4M | 4% |
