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FIRST FINANCIAL BANKSHARES INC（FFIN）与LiveRamp Holdings, Inc.（RAMP）财务数据对比。点击上方公司名可切换其他公司
LiveRamp Holdings, Inc.的季度营收约是FIRST FINANCIAL BANKSHARES INC的1.3倍（$212.2M vs $164.7M），FIRST FINANCIAL BANKSHARES INC净利率更高（44.5% vs 18.8%，领先25.7%），FIRST FINANCIAL BANKSHARES INC同比增速更快（12.0% vs 8.6%），过去两年FIRST FINANCIAL BANKSHARES INC的营收复合增速更高（12.7% vs 11.1%）
第一金融银行股份有限公司（FFIN）是总部位于印第安纳州特雷霍特的区域银行，由第一金融集团运营。它是印第安纳州历史最悠久的全国性银行，在美国全国性银行中历史排名第五，其母公司第一金融集团也是维戈县唯一的上市企业。
LiveRamp Holdings, Inc.是一家美国SaaS企业，核心业务为提供数据连接平台，服务涵盖数据导入、线下数据线上迁移等能力，助力企业开展营销相关的数据应用，为品牌及营销从业者的数字化运营提供技术支撑。
FFIN vs RAMP — 直观对比
营收规模更大
RAMP
是对方的1.3倍
$164.7M
营收增速更快
FFIN
高出3.4%
8.6%
净利率更高
FFIN
高出25.7%
18.8%
两年增速更快
FFIN
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $164.7M | $212.2M |
| 净利润 | $73.3M | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | 54.4% | 18.6% |
| 净利率 | 44.5% | 18.8% |
| 营收同比 | 12.0% | 8.6% |
| 净利润同比 | 17.6% | 255.7% |
| 每股收益（稀释后） | $0.51 | $0.62 |
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FFINRAMP
| Q4 25 | $164.7M | $212.2M | ||
| Q3 25 | $161.3M | $199.8M | ||
| Q2 25 | $156.6M | $194.8M | ||
| Q1 25 | $149.0M | $188.7M | ||
| Q4 24 | $147.1M | $195.4M | ||
| Q3 24 | $139.5M | $185.5M | ||
| Q2 24 | $134.5M | $176.0M | ||
| Q1 24 | $129.6M | $171.9M |
净利润FFINRAMP
| Q4 25 | $73.3M | $39.9M | ||
| Q3 25 | $52.3M | $27.4M | ||
| Q2 25 | $66.7M | $7.7M | ||
| Q1 25 | $61.3M | $-6.3M | ||
| Q4 24 | $62.3M | $11.2M | ||
| Q3 24 | $55.3M | $1.7M | ||
| Q2 24 | $52.5M | $-7.5M | ||
| Q1 24 | $53.4M | $-5.4M |
毛利率FFINRAMP
| Q4 25 | — | 71.9% | ||
| Q3 25 | — | 70.2% | ||
| Q2 25 | — | 70.1% | ||
| Q1 25 | — | 69.3% | ||
| Q4 24 | — | 71.9% | ||
| Q3 24 | — | 72.4% | ||
| Q2 24 | — | 70.6% | ||
| Q1 24 | — | 72.2% |
营业利润率FFINRAMP
| Q4 25 | 54.4% | 18.6% | ||
| Q3 25 | 39.2% | 10.7% | ||
| Q2 25 | 52.2% | 3.7% | ||
| Q1 25 | 50.4% | -6.1% | ||
| Q4 24 | 51.7% | 7.5% | ||
| Q3 24 | 48.3% | 4.0% | ||
| Q2 24 | 47.3% | -3.0% | ||
| Q1 24 | 50.0% | -8.3% |
净利率FFINRAMP
| Q4 25 | 44.5% | 18.8% | ||
| Q3 25 | 32.4% | 13.7% | ||
| Q2 25 | 42.6% | 4.0% | ||
| Q1 25 | 41.2% | -3.3% | ||
| Q4 24 | 42.4% | 5.7% | ||
| Q3 24 | 39.7% | 0.9% | ||
| Q2 24 | 39.0% | -4.3% | ||
| Q1 24 | 41.2% | -3.1% |
每股收益（稀释后）FFINRAMP
| Q4 25 | $0.51 | $0.62 | ||
| Q3 25 | $0.36 | $0.42 | ||
| Q2 25 | $0.47 | $0.12 | ||
| Q1 25 | $0.43 | $-0.10 | ||
| Q4 24 | $0.43 | $0.17 | ||
| Q3 24 | $0.39 | $0.03 | ||
| Q2 24 | $0.37 | $-0.11 | ||
| Q1 24 | $0.37 | $-0.09 |
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 | — | $403.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.9B | $962.3M |
| 总资产 | $15.4B | $1.3B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资FFINRAMP
| Q4 25 | — | $403.4M | ||
| Q3 25 | — | $376.9M | ||
| Q2 25 | — | $371.1M | ||
| Q1 25 | — | $420.8M | ||
| Q4 24 | — | $384.3M | ||
| Q3 24 | — | $348.4M | ||
| Q2 24 | — | $342.7M | ||
| Q1 24 | — | $368.9M |
股东权益FFINRAMP
| Q4 25 | $1.9B | $962.3M | ||
| Q3 25 | $1.8B | $943.8M | ||
| Q2 25 | $1.7B | $947.8M | ||
| Q1 25 | $1.7B | $948.9M | ||
| Q4 24 | $1.6B | $957.7M | ||
| Q3 24 | $1.7B | $932.1M | ||
| Q2 24 | $1.5B | $951.9M | ||
| Q1 24 | $1.5B | $949.1M |
总资产FFINRAMP
| Q4 25 | $15.4B | $1.3B | ||
| Q3 25 | $14.8B | $1.2B | ||
| Q2 25 | $14.4B | $1.2B | ||
| Q1 25 | $14.3B | $1.3B | ||
| Q4 24 | $14.0B | $1.3B | ||
| Q3 24 | $13.6B | $1.2B | ||
| Q2 24 | $13.2B | $1.2B | ||
| Q1 24 | $13.2B | $1.2B |
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 | $299.4M | — |
| 自由现金流经营现金流 - 资本支出 | $286.0M | — |
| 自由现金流率自由现金流/营收 | 173.6% | — |
| 资本支出强度资本支出/营收 | 8.2% | 0.1% |
| 现金转化率经营现金流/净利润 | 4.08× | — |
| 过去12个月自由现金流最近4个季度 | $503.1M | — |
8季度趋势，按日历期对齐
经营现金流FFINRAMP
| Q4 25 | $299.4M | — | ||
| Q3 25 | $86.5M | $57.4M | ||
| Q2 25 | $61.3M | $-15.8M | ||
| Q1 25 | $76.8M | — | ||
| Q4 24 | $309.6M | $45.1M | ||
| Q3 24 | $80.7M | $55.6M | ||
| Q2 24 | $68.8M | $-9.3M | ||
| Q1 24 | $75.6M | — |
自由现金流FFINRAMP
| Q4 25 | $286.0M | — | ||
| Q3 25 | $83.7M | $56.8M | ||
| Q2 25 | $58.7M | $-16.2M | ||
| Q1 25 | $74.7M | — | ||
| Q4 24 | $292.9M | $44.8M | ||
| Q3 24 | $77.7M | $55.4M | ||
| Q2 24 | $63.8M | $-9.6M | ||
| Q1 24 | $71.7M | — |
自由现金流率FFINRAMP
| Q4 25 | 173.6% | — | ||
| Q3 25 | 51.9% | 28.4% | ||
| Q2 25 | 37.5% | -8.3% | ||
| Q1 25 | 50.1% | — | ||
| Q4 24 | 199.1% | 22.9% | ||
| Q3 24 | 55.7% | 29.8% | ||
| Q2 24 | 47.4% | -5.4% | ||
| Q1 24 | 55.3% | — |
资本支出强度FFINRAMP
| Q4 25 | 8.2% | 0.1% | ||
| Q3 25 | 1.7% | 0.3% | ||
| Q2 25 | 1.6% | 0.2% | ||
| Q1 25 | 1.4% | 0.2% | ||
| Q4 24 | 11.4% | 0.1% | ||
| Q3 24 | 2.2% | 0.1% | ||
| Q2 24 | 3.7% | 0.1% | ||
| Q1 24 | 3.0% | 1.0% |
现金转化率FFINRAMP
| Q4 25 | 4.08× | — | ||
| Q3 25 | 1.65× | 2.09× | ||
| Q2 25 | 0.92× | -2.04× | ||
| Q1 25 | 1.25× | — | ||
| Q4 24 | 4.97× | 4.02× | ||
| Q3 24 | 1.46× | 32.10× | ||
| Q2 24 | 1.31× | — | ||
| Q1 24 | 1.42× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
