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FIRST FINANCIAL BANCORP（FFBC）与TIC Solutions, Inc.（TIC）财务数据对比。点击上方公司名可切换其他公司
TIC Solutions, Inc.的季度营收约是FIRST FINANCIAL BANCORP的1.9倍（$508.3M vs $271.5M），FIRST FINANCIAL BANCORP净利率更高（27.4% vs -9.3%，领先36.7%）
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。
FFBC vs TIC — 直观对比
营收规模更大
TIC
是对方的1.9倍
$271.5M
净利率更高
FFBC
高出36.7%
-9.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $271.5M | $508.3M |
| 净利润 | $74.4M | $-47.2M |
| 毛利率 | — | 35.2% |
| 营业利润率 | — | -3.8% |
| 净利率 | 27.4% | -9.3% |
| 营收同比 | — | — |
| 净利润同比 | 19.3% | — |
| 每股收益（稀释后） | $0.71 | — |
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FFBCTIC
| Q1 26 | $271.5M | — | ||
| Q4 25 | $238.8M | $508.3M | ||
| Q3 25 | $234.0M | $473.9M | ||
| Q2 25 | $226.3M | $313.9M | ||
| Q1 25 | $200.4M | $234.2M | ||
| Q4 24 | $224.3M | — | ||
| Q3 24 | $201.3M | — | ||
| Q2 24 | $214.8M | — |
净利润FFBCTIC
| Q1 26 | $74.4M | — | ||
| Q4 25 | — | $-47.2M | ||
| Q3 25 | $71.9M | $-13.9M | ||
| Q2 25 | $70.0M | $-233.0K | ||
| Q1 25 | $51.3M | $-25.8M | ||
| Q4 24 | — | — | ||
| Q3 24 | $52.5M | — | ||
| Q2 24 | $60.8M | — |
毛利率FFBCTIC
| Q1 26 | — | — | ||
| Q4 25 | — | 35.2% | ||
| Q3 25 | — | 32.2% | ||
| Q2 25 | — | 23.6% | ||
| Q1 25 | — | 18.6% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
营业利润率FFBCTIC
| Q1 26 | — | — | ||
| Q4 25 | — | -3.8% | ||
| Q3 25 | 38.7% | -1.4% | ||
| Q2 25 | 38.8% | 5.8% | ||
| Q1 25 | 31.7% | -4.0% | ||
| Q4 24 | — | — | ||
| Q3 24 | 32.2% | — | ||
| Q2 24 | 34.8% | — |
净利率FFBCTIC
| Q1 26 | 27.4% | — | ||
| Q4 25 | — | -9.3% | ||
| Q3 25 | 30.7% | -2.9% | ||
| Q2 25 | 30.9% | -0.1% | ||
| Q1 25 | 25.6% | -11.0% | ||
| Q4 24 | — | — | ||
| Q3 24 | 26.1% | — | ||
| Q2 24 | 28.3% | — |
每股收益（稀释后）FFBCTIC
| Q1 26 | $0.71 | — | ||
| Q4 25 | $0.64 | — | ||
| Q3 25 | $0.75 | $-0.08 | ||
| Q2 25 | $0.73 | — | ||
| Q1 25 | $0.54 | — | ||
| Q4 24 | $0.68 | — | ||
| Q3 24 | $0.55 | — | ||
| Q2 24 | $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 | — | $439.5M |
| 总债务越低越好 | $13.1M | $1.6B |
| 股东权益账面价值 | $2.9B | $2.2B |
| 总资产 | $22.5B | $4.4B |
| 负债/权益比越低杠杆越低 | 0.00× | 0.74× |
8季度趋势，按日历期对齐
现金及短期投资FFBCTIC
| Q1 26 | — | — | ||
| Q4 25 | — | $439.5M | ||
| Q3 25 | — | $164.4M | ||
| Q2 25 | — | $130.1M | ||
| Q1 25 | — | $155.7M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
总债务FFBCTIC
| Q1 26 | $13.1M | — | ||
| Q4 25 | $514.1M | $1.6B | ||
| Q3 25 | $221.8M | $1.6B | ||
| Q2 25 | $345.0M | $751.3M | ||
| Q1 25 | $345.9M | $752.4M | ||
| Q4 24 | $347.5M | — | ||
| Q3 24 | $344.1M | — | ||
| Q2 24 | $338.6M | — |
股东权益FFBCTIC
| Q1 26 | $2.9B | — | ||
| Q4 25 | $2.8B | $2.2B | ||
| Q3 25 | $2.6B | $2.0B | ||
| Q2 25 | $2.6B | $1.2B | ||
| Q1 25 | $2.5B | $1.1B | ||
| Q4 24 | $2.4B | — | ||
| Q3 24 | $2.5B | — | ||
| Q2 24 | $2.3B | — |
总资产FFBCTIC
| Q1 26 | $22.5B | — | ||
| Q4 25 | $21.1B | $4.4B | ||
| Q3 25 | $18.6B | $4.2B | ||
| Q2 25 | $18.6B | $2.2B | ||
| Q1 25 | $18.5B | $2.2B | ||
| Q4 24 | $18.6B | — | ||
| Q3 24 | $18.1B | — | ||
| Q2 24 | $18.2B | — |
负债/权益比FFBCTIC
| Q1 26 | 0.00× | — | ||
| Q4 25 | 0.19× | 0.74× | ||
| Q3 25 | 0.08× | 0.83× | ||
| Q2 25 | 0.13× | 0.64× | ||
| Q1 25 | 0.14× | 0.67× | ||
| 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 | — | $49.7M |
| 自由现金流经营现金流 - 资本支出 | — | $37.1M |
| 自由现金流率自由现金流/营收 | — | 7.3% |
| 资本支出强度资本支出/营收 | — | 2.5% |
| 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 | — | $61.3M |
8季度趋势，按日历期对齐
经营现金流FFBCTIC
| Q1 26 | — | — | ||
| Q4 25 | $337.9M | $49.7M | ||
| Q3 25 | $89.8M | $19.0M | ||
| Q2 25 | $69.8M | $-6.5M | ||
| Q1 25 | $56.1M | $32.8M | ||
| Q4 24 | $262.2M | — | ||
| Q3 24 | $88.1M | — | ||
| Q2 24 | $68.1M | — |
自由现金流FFBCTIC
| Q1 26 | — | — | ||
| Q4 25 | $317.1M | $37.1M | ||
| Q3 25 | $85.8M | $10.3M | ||
| Q2 25 | $64.8M | $-14.5M | ||
| Q1 25 | $52.4M | $28.3M | ||
| Q4 24 | $241.1M | — | ||
| Q3 24 | $84.4M | — | ||
| Q2 24 | $64.8M | — |
自由现金流率FFBCTIC
| Q1 26 | — | — | ||
| Q4 25 | 132.8% | 7.3% | ||
| Q3 25 | 36.7% | 2.2% | ||
| Q2 25 | 28.6% | -4.6% | ||
| Q1 25 | 26.1% | 12.1% | ||
| Q4 24 | 107.5% | — | ||
| Q3 24 | 42.0% | — | ||
| Q2 24 | 30.2% | — |
资本支出强度FFBCTIC
| Q1 26 | — | — | ||
| Q4 25 | 8.7% | 2.5% | ||
| Q3 25 | 1.7% | 1.8% | ||
| Q2 25 | 2.2% | 2.6% | ||
| Q1 25 | 1.9% | 1.9% | ||
| Q4 24 | 9.4% | — | ||
| Q3 24 | 1.8% | — | ||
| Q2 24 | 1.5% | — |
现金转化率FFBCTIC
| 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× | — |
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% |
TIC
| Consulting Engineering Segment | $300.1M | 59% |
| Geospatial Segment | $131.3M | 26% |
| Fixed Unit Price Contracts | $54.3M | 11% |
| Other | $22.6M | 4% |
