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FIRST FINANCIAL BANCORP（FFBC）与RAYONIER ADVANCED MATERIALS INC.（RYAM）财务数据对比。点击上方公司名可切换其他公司
RAYONIER ADVANCED MATERIALS INC.的季度营收约是FIRST FINANCIAL BANCORP的1.5倍（$417.5M vs $271.5M），FIRST FINANCIAL BANCORP净利率更高（27.4% vs -5.0%，领先32.5%），过去两年FIRST FINANCIAL BANCORP的营收复合增速更高（12.4% vs 3.8%）
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。
RYAM（原雷尼尔先进材料公司）是一家美国全球性纤维素技术企业，主打高纯度特种纤维素产品，所生产的天然聚合物广泛应用于过滤器生产、食品加工、医药制造及各类工业领域，同时也为造纸和包装行业供应相关产品，在纤维素技术领域拥有较高的行业认可度。
FFBC vs RYAM — 直观对比
营收规模更大
RYAM
是对方的1.5倍
$271.5M
净利率更高
FFBC
高出32.5%
-5.0%
两年增速更快
FFBC
近两年复合增速
3.8%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $271.5M | $417.5M |
| 净利润 | $74.4M | $-21.1M |
| 毛利率 | — | 8.9% |
| 营业利润率 | — | 2.6% |
| 净利率 | 27.4% | -5.0% |
| 营收同比 | — | -1.2% |
| 净利润同比 | — | -31.9% |
| 每股收益（稀释后） | $0.71 | $-0.33 |
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FFBCRYAM
| Q1 26 | $271.5M | — | ||
| Q4 25 | $238.8M | $417.5M | ||
| Q3 25 | $234.0M | $352.8M | ||
| Q2 25 | $226.3M | $340.0M | ||
| Q1 25 | $200.4M | $356.0M | ||
| Q4 24 | $224.3M | $422.5M | ||
| Q3 24 | $201.3M | $401.1M | ||
| Q2 24 | $214.8M | $419.0M |
净利润FFBCRYAM
| Q1 26 | $74.4M | — | ||
| Q4 25 | — | $-21.1M | ||
| Q3 25 | $71.9M | $-4.5M | ||
| Q2 25 | $70.0M | $-363.2M | ||
| Q1 25 | $51.3M | $-32.0M | ||
| Q4 24 | — | $-16.0M | ||
| Q3 24 | $52.5M | $-32.6M | ||
| Q2 24 | $60.8M | $11.4M |
毛利率FFBCRYAM
| Q1 26 | — | — | ||
| Q4 25 | — | 8.9% | ||
| Q3 25 | — | 9.7% | ||
| Q2 25 | — | 7.0% | ||
| Q1 25 | — | 6.8% | ||
| Q4 24 | — | 8.7% | ||
| Q3 24 | — | 10.9% | ||
| Q2 24 | — | 11.5% |
营业利润率FFBCRYAM
| Q1 26 | — | — | ||
| Q4 25 | — | 2.6% | ||
| Q3 25 | 38.7% | 2.8% | ||
| Q2 25 | 38.8% | -0.4% | ||
| Q1 25 | 31.7% | -4.2% | ||
| Q4 24 | — | 2.6% | ||
| Q3 24 | 32.2% | -4.2% | ||
| Q2 24 | 34.8% | 6.7% |
净利率FFBCRYAM
| Q1 26 | 27.4% | — | ||
| Q4 25 | — | -5.0% | ||
| Q3 25 | 30.7% | -1.3% | ||
| Q2 25 | 30.9% | -106.8% | ||
| Q1 25 | 25.6% | -9.0% | ||
| Q4 24 | — | -3.8% | ||
| Q3 24 | 26.1% | -8.1% | ||
| Q2 24 | 28.3% | 2.7% |
每股收益（稀释后）FFBCRYAM
| Q1 26 | $0.71 | — | ||
| Q4 25 | $0.64 | $-0.33 | ||
| Q3 25 | $0.75 | $-0.07 | ||
| Q2 25 | $0.73 | $-5.44 | ||
| Q1 25 | $0.54 | $-0.49 | ||
| Q4 24 | $0.68 | $-0.25 | ||
| Q3 24 | $0.55 | $-0.49 | ||
| Q2 24 | $0.64 | $0.17 |
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 | — | $75.4M |
| 总债务越低越好 | $13.1M | $758.1M |
| 股东权益账面价值 | $2.9B | $316.6M |
| 总资产 | $22.5B | $1.8B |
| 负债/权益比越低杠杆越低 | 0.00× | 2.39× |
8季度趋势，按日历期对齐
现金及短期投资FFBCRYAM
| Q1 26 | — | — | ||
| Q4 25 | — | $75.4M | ||
| Q3 25 | — | $77.0M | ||
| Q2 25 | — | $70.7M | ||
| Q1 25 | — | $129.9M | ||
| Q4 24 | — | $125.2M | ||
| Q3 24 | — | $136.1M | ||
| Q2 24 | — | $114.1M |
总债务FFBCRYAM
| Q1 26 | $13.1M | — | ||
| Q4 25 | $514.1M | $758.1M | ||
| Q3 25 | $221.8M | $763.5M | ||
| Q2 25 | $345.0M | $720.4M | ||
| Q1 25 | $345.9M | $707.0M | ||
| Q4 24 | $347.5M | $706.4M | ||
| Q3 24 | $344.1M | $747.7M | ||
| Q2 24 | $338.6M | $752.8M |
股东权益FFBCRYAM
| Q1 26 | $2.9B | — | ||
| Q4 25 | $2.8B | $316.6M | ||
| Q3 25 | $2.6B | $338.2M | ||
| Q2 25 | $2.6B | $342.3M | ||
| Q1 25 | $2.5B | $688.1M | ||
| Q4 24 | $2.4B | $713.9M | ||
| Q3 24 | $2.5B | $732.7M | ||
| Q2 24 | $2.3B | $755.1M |
总资产FFBCRYAM
| Q1 26 | $22.5B | — | ||
| Q4 25 | $21.1B | $1.8B | ||
| Q3 25 | $18.6B | $1.8B | ||
| Q2 25 | $18.6B | $1.8B | ||
| Q1 25 | $18.5B | $2.1B | ||
| Q4 24 | $18.6B | $2.1B | ||
| Q3 24 | $18.1B | $2.2B | ||
| Q2 24 | $18.2B | $2.2B |
负债/权益比FFBCRYAM
| Q1 26 | 0.00× | — | ||
| Q4 25 | 0.19× | 2.39× | ||
| Q3 25 | 0.08× | 2.26× | ||
| Q2 25 | 0.13× | 2.10× | ||
| Q1 25 | 0.14× | 1.03× | ||
| Q4 24 | 0.14× | 0.99× | ||
| Q3 24 | 0.14× | 1.02× | ||
| Q2 24 | 0.15× | 1.00× |
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 | — | $32.3M |
| 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 | — | — |
| 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FFBCRYAM
| Q1 26 | — | — | ||
| Q4 25 | $337.9M | $32.3M | ||
| Q3 25 | $89.8M | $-17.8M | ||
| Q2 25 | $69.8M | $-30.2M | ||
| Q1 25 | $56.1M | $39.6M | ||
| Q4 24 | $262.2M | $54.9M | ||
| Q3 24 | $88.1M | $49.8M | ||
| Q2 24 | $68.1M | $87.6M |
自由现金流FFBCRYAM
| 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FFBCRYAM
| 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FFBCRYAM
| 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FFBCRYAM
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 1.25× | — | ||
| Q2 25 | 1.00× | — | ||
| Q1 25 | 1.09× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.68× | — | ||
| Q2 24 | 1.12× | 7.69× |
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% |
RYAM
| Cellulose Specialties | $249.6M | 60% |
| Other | $86.2M | 21% |
| Paperboard | $44.2M | 11% |
| High Yield Pulp | $28.3M | 7% |
| Biomaterials | $9.2M | 2% |
