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FIRST INTERSTATE BANCSYSTEM INC（FIBK）与Cloudflare, Inc.（NET）财务数据对比。点击上方公司名可切换其他公司
Cloudflare, Inc.的季度营收约是FIRST INTERSTATE BANCSYSTEM INC的2.0倍（$614.5M vs $313.0M），FIRST INTERSTATE BANCSYSTEM INC净利率更高（34.8% vs -2.0%，领先36.7%），Cloudflare, Inc.同比增速更快（33.6% vs 19.8%），过去两年Cloudflare, Inc.的营收复合增速更高（27.4% vs 13.7%）
第一州际银行系统公司是总部位于美国蒙大拿州比灵斯的金融控股公司，旗下拥有第一州际银行，该社区银行的服务网点覆盖美国西部和中西部共14个州，按总资产计算是蒙大拿州规模最大的银行。
Cloudflare是总部位于美国加利福尼亚州旧金山的科技企业，提供内容分发网络（CDN）、云网络安全、DDoS防护等多元互联网服务，同时是ICANN认证的域名注册商。其服务作为网站访客与客户托管服务商之间的反向代理，可有效提升访问性能，抵御恶意流量。
FIBK vs NET — 直观对比
营收规模更大
NET
是对方的2.0倍
$313.0M
营收增速更快
NET
高出13.8%
19.8%
净利率更高
FIBK
高出36.7%
-2.0%
两年增速更快
NET
近两年复合增速
13.7%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $313.0M | $614.5M |
| 净利润 | $108.8M | $-12.1M |
| 毛利率 | — | 73.6% |
| 营业利润率 | 44.5% | -8.0% |
| 净利率 | 34.8% | -2.0% |
| 营收同比 | 19.8% | 33.6% |
| 净利润同比 | 108.8% | 6.0% |
| 每股收益（稀释后） | $1.07 | $-0.03 |
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FIBKNET
| Q4 25 | $313.0M | $614.5M | ||
| Q3 25 | $250.5M | $562.0M | ||
| Q2 25 | $248.3M | $512.3M | ||
| Q1 25 | $247.0M | $479.1M | ||
| Q4 24 | $261.3M | $459.9M | ||
| Q3 24 | $251.9M | $430.1M | ||
| Q2 24 | $244.3M | $401.0M | ||
| Q1 24 | $242.2M | $378.6M |
净利润FIBKNET
| Q4 25 | $108.8M | $-12.1M | ||
| Q3 25 | $71.4M | $-1.3M | ||
| Q2 25 | $71.7M | $-50.4M | ||
| Q1 25 | $50.2M | $-38.5M | ||
| Q4 24 | $52.1M | $-12.8M | ||
| Q3 24 | $55.5M | $-15.3M | ||
| Q2 24 | $60.0M | $-15.1M | ||
| Q1 24 | $58.4M | $-35.5M |
毛利率FIBKNET
| Q4 25 | — | 73.6% | ||
| Q3 25 | — | 74.0% | ||
| Q2 25 | — | 74.9% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.4% | ||
| Q3 24 | — | 77.7% | ||
| Q2 24 | — | 77.8% | ||
| Q1 24 | — | 77.5% |
营业利润率FIBKNET
| Q4 25 | 44.5% | -8.0% | ||
| Q3 25 | 37.0% | -6.7% | ||
| Q2 25 | 37.7% | -13.1% | ||
| Q1 25 | 26.9% | -11.1% | ||
| Q4 24 | 25.5% | -7.5% | ||
| Q3 24 | 28.9% | -7.2% | ||
| Q2 24 | 32.1% | -8.7% | ||
| Q1 24 | 31.7% | -14.4% |
净利率FIBKNET
| Q4 25 | 34.8% | -2.0% | ||
| Q3 25 | 28.5% | -0.2% | ||
| Q2 25 | 28.9% | -9.8% | ||
| Q1 25 | 20.3% | -8.0% | ||
| Q4 24 | 19.9% | -2.8% | ||
| Q3 24 | 22.0% | -3.6% | ||
| Q2 24 | 24.6% | -3.8% | ||
| Q1 24 | 24.1% | -9.4% |
每股收益（稀释后）FIBKNET
| Q4 25 | $1.07 | $-0.03 | ||
| Q3 25 | $0.69 | $0.00 | ||
| Q2 25 | $0.69 | $-0.15 | ||
| Q1 25 | $0.49 | $-0.11 | ||
| Q4 24 | $0.50 | $-0.05 | ||
| Q3 24 | $0.54 | $-0.04 | ||
| Q2 24 | $0.58 | $-0.04 | ||
| Q1 24 | $0.57 | $-0.10 |
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 | — | $943.5M |
| 总债务越低越好 | $146.3M | — |
| 股东权益账面价值 | $3.4B | $1.5B |
| 总资产 | $26.6B | $6.0B |
| 负债/权益比越低杠杆越低 | 0.04× | — |
8季度趋势，按日历期对齐
现金及短期投资FIBKNET
| Q4 25 | — | $943.5M | ||
| Q3 25 | — | $1.1B | ||
| Q2 25 | — | $1.5B | ||
| Q1 25 | — | $204.5M | ||
| Q4 24 | — | $147.7M | ||
| Q3 24 | — | $182.9M | ||
| Q2 24 | — | $157.0M | ||
| Q1 24 | — | $254.4M |
总债务FIBKNET
| Q4 25 | $146.3M | — | ||
| Q3 25 | $146.2M | — | ||
| Q2 25 | $252.0M | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $132.2M | — | ||
| Q3 24 | $137.3M | — | ||
| Q2 24 | $383.4M | — | ||
| Q1 24 | $370.8M | — |
股东权益FIBKNET
| Q4 25 | $3.4B | $1.5B | ||
| Q3 25 | $3.4B | $1.3B | ||
| Q2 25 | $3.4B | $1.2B | ||
| Q1 25 | $3.4B | $1.4B | ||
| Q4 24 | $3.3B | $1.0B | ||
| Q3 24 | $3.4B | $973.1M | ||
| Q2 24 | $3.2B | $881.5M | ||
| Q1 24 | $3.2B | $797.2M |
总资产FIBKNET
| Q4 25 | $26.6B | $6.0B | ||
| Q3 25 | $27.3B | $5.8B | ||
| Q2 25 | $27.6B | $5.6B | ||
| Q1 25 | $28.3B | $3.7B | ||
| Q4 24 | $29.1B | $3.3B | ||
| Q3 24 | $29.6B | $3.1B | ||
| Q2 24 | $30.3B | $2.9B | ||
| Q1 24 | $30.1B | $2.8B |
负债/权益比FIBKNET
| Q4 25 | 0.04× | — | ||
| Q3 25 | 0.04× | — | ||
| Q2 25 | 0.07× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.04× | — | ||
| Q3 24 | 0.04× | — | ||
| Q2 24 | 0.12× | — | ||
| Q1 24 | 0.12× | — |
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 | $305.6M | $190.4M |
| 自由现金流经营现金流 - 资本支出 | — | $105.2M |
| 自由现金流率自由现金流/营收 | — | 17.1% |
| 资本支出强度资本支出/营收 | — | 13.9% |
| 现金转化率经营现金流/净利润 | 2.81× | — |
| 过去12个月自由现金流最近4个季度 | — | $287.5M |
8季度趋势，按日历期对齐
经营现金流FIBKNET
| Q4 25 | $305.6M | $190.4M | ||
| Q3 25 | $91.7M | $167.1M | ||
| Q2 25 | $68.1M | $99.8M | ||
| Q1 25 | $78.5M | $145.8M | ||
| Q4 24 | $355.0M | $127.3M | ||
| Q3 24 | $89.9M | $104.7M | ||
| Q2 24 | $82.3M | $74.8M | ||
| Q1 24 | $87.6M | $73.6M |
自由现金流FIBKNET
| Q4 25 | — | $105.2M | ||
| Q3 25 | — | $82.5M | ||
| Q2 25 | — | $39.9M | ||
| Q1 25 | — | $59.9M | ||
| Q4 24 | — | $54.2M | ||
| Q3 24 | — | $54.5M | ||
| Q2 24 | — | $45.2M | ||
| Q1 24 | — | $41.5M |
自由现金流率FIBKNET
| Q4 25 | — | 17.1% | ||
| Q3 25 | — | 14.7% | ||
| Q2 25 | — | 7.8% | ||
| Q1 25 | — | 12.5% | ||
| Q4 24 | — | 11.8% | ||
| Q3 24 | — | 12.7% | ||
| Q2 24 | — | 11.3% | ||
| Q1 24 | — | 11.0% |
资本支出强度FIBKNET
| Q4 25 | — | 13.9% | ||
| Q3 25 | — | 15.1% | ||
| Q2 25 | — | 11.7% | ||
| Q1 25 | — | 17.9% | ||
| Q4 24 | — | 15.9% | ||
| Q3 24 | — | 11.7% | ||
| Q2 24 | — | 7.4% | ||
| Q1 24 | — | 8.5% |
现金转化率FIBKNET
| Q4 25 | 2.81× | — | ||
| Q3 25 | 1.28× | — | ||
| Q2 25 | 0.95× | — | ||
| Q1 25 | 1.56× | — | ||
| Q4 24 | 6.81× | — | ||
| Q3 24 | 1.62× | — | ||
| Q2 24 | 1.37× | — | ||
| Q1 24 | 1.50× | — |
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
FIBK
暂无分部数据
NET
| Sales Channel Directly To Consumer | $438.5M | 71% |
| Sales Channel Through Intermediary | $176.0M | 29% |
