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Finwise Bancorp（FINW）与牛津地产（IIPR）财务数据对比。点击上方公司名可切换其他公司
牛津地产的季度营收约是Finwise Bancorp的1.6倍（$66.7M vs $42.7M），牛津地产净利率更高（47.8% vs 6.4%，领先41.4%），过去两年Finwise Bancorp的营收复合增速更高（47.0% vs -6.0%）
Finwise Bancorp是一家总部位于美国的金融控股公司，主要通过旗下社区银行子公司开展业务，提供存款账户、个人贷款、抵押贷款、小微企业融资、财富管理等多元化金融服务，服务覆盖区域内的零售消费者和中小微企业客户。
牛津地产是一家加拿大跨国企业，业务涵盖房地产投资、开发与物业管理。其投资组合包含写字楼、零售、工业、多户住宅、生命科学及酒店类资产。该公司1960年以私营企业形式创立，自2003年起成为安大略省市政雇员退休系统（OMERS）的全资子公司，总部设于多伦多，在纽约、伦敦、澳大利亚、新加坡及卢森堡均设有区域总部。
FINW vs IIPR — 直观对比
营收规模更大
IIPR
是对方的1.6倍
$42.7M
净利率更高
IIPR
高出41.4%
6.4%
两年增速更快
FINW
近两年复合增速
-6.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $42.7M | $66.7M |
| 净利润 | $2.7M | $31.8M |
| 毛利率 | — | — |
| 营业利润率 | — | 47.8% |
| 净利率 | 6.4% | 47.8% |
| 营收同比 | — | -13.1% |
| 净利润同比 | — | -20.4% |
| 每股收益（稀释后） | $0.20 | $1.07 |
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FINWIIPR
| Q1 26 | $42.7M | — | ||
| Q4 25 | $46.9M | $66.7M | ||
| Q3 25 | $36.7M | $64.7M | ||
| Q2 25 | $25.1M | $62.9M | ||
| Q1 25 | $22.1M | $71.7M | ||
| Q4 24 | $21.1M | $76.7M | ||
| Q3 24 | $20.8M | $76.5M | ||
| Q2 24 | $19.8M | $79.8M |
净利润FINWIIPR
| Q1 26 | $2.7M | — | ||
| Q4 25 | $3.9M | $31.8M | ||
| Q3 25 | $4.9M | $29.3M | ||
| Q2 25 | $4.1M | $26.0M | ||
| Q1 25 | $3.2M | $31.1M | ||
| Q4 24 | $2.8M | $40.0M | ||
| Q3 24 | $3.5M | $40.2M | ||
| Q2 24 | $3.2M | $42.0M |
营业利润率FINWIIPR
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | 47.8% | ||
| Q3 25 | 17.5% | 45.5% | ||
| Q2 25 | 21.7% | 45.9% | ||
| Q1 25 | 20.1% | 47.4% | ||
| Q4 24 | 17.5% | 54.7% | ||
| Q3 24 | 22.2% | 54.8% | ||
| Q2 24 | 21.1% | 53.1% |
净利率FINWIIPR
| Q1 26 | 6.4% | — | ||
| Q4 25 | 8.4% | 47.8% | ||
| Q3 25 | 13.3% | 45.3% | ||
| Q2 25 | 16.3% | 41.4% | ||
| Q1 25 | 14.4% | 43.3% | ||
| Q4 24 | 13.2% | 52.2% | ||
| Q3 24 | 16.6% | 52.6% | ||
| Q2 24 | 16.1% | 52.6% |
每股收益（稀释后）FINWIIPR
| Q1 26 | $0.20 | — | ||
| Q4 25 | $0.27 | $1.07 | ||
| Q3 25 | $0.34 | $0.97 | ||
| Q2 25 | $0.29 | $0.86 | ||
| Q1 25 | $0.23 | $1.03 | ||
| Q4 24 | $0.19 | $1.35 | ||
| Q3 24 | $0.25 | $1.37 | ||
| Q2 24 | $0.24 | $1.44 |
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 | — | $47.6M |
| 总债务越低越好 | — | $393.7M |
| 股东权益账面价值 | $196.6M | $1.8B |
| 总资产 | $899.4M | $2.4B |
| 负债/权益比越低杠杆越低 | — | 0.21× |
8季度趋势，按日历期对齐
现金及短期投资FINWIIPR
| Q1 26 | — | — | ||
| Q4 25 | $163.4M | $47.6M | ||
| Q3 25 | $105.6M | $41.9M | ||
| Q2 25 | $90.1M | $104.9M | ||
| Q1 25 | $120.3M | $133.3M | ||
| Q4 24 | $109.2M | $151.2M | ||
| Q3 24 | $85.8M | $172.4M | ||
| Q2 24 | $89.0M | $160.9M |
总债务FINWIIPR
| Q1 26 | — | — | ||
| Q4 25 | — | $393.7M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益FINWIIPR
| Q1 26 | $196.6M | — | ||
| Q4 25 | $193.2M | $1.8B | ||
| Q3 25 | $187.8M | $1.9B | ||
| Q2 25 | $182.0M | $1.9B | ||
| Q1 25 | $177.4M | $1.9B | ||
| Q4 24 | $173.7M | $1.9B | ||
| Q3 24 | $170.4M | $1.9B | ||
| Q2 24 | $165.8M | $1.9B |
总资产FINWIIPR
| Q1 26 | $899.4M | — | ||
| Q4 25 | $977.1M | $2.4B | ||
| Q3 25 | $899.9M | $2.3B | ||
| Q2 25 | $842.5M | $2.3B | ||
| Q1 25 | $804.1M | $2.4B | ||
| Q4 24 | $746.0M | $2.4B | ||
| Q3 24 | $683.0M | $2.4B | ||
| Q2 24 | $617.8M | $2.4B |
负债/权益比FINWIIPR
| Q1 26 | — | — | ||
| Q4 25 | — | 0.21× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | — | $198.2M |
| 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 | — | 6.22× |
| 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FINWIIPR
| Q1 26 | — | — | ||
| Q4 25 | $-28.4M | $198.2M | ||
| Q3 25 | $3.5M | $45.6M | ||
| Q2 25 | $-18.3M | $48.4M | ||
| Q1 25 | $-21.6M | $54.2M | ||
| Q4 24 | $-15.0M | $258.4M | ||
| Q3 24 | $-9.8M | $64.9M | ||
| Q2 24 | $-7.6M | $64.2M |
自由现金流FINWIIPR
| Q1 26 | — | — | ||
| Q4 25 | $-28.6M | — | ||
| Q3 25 | $3.4M | — | ||
| Q2 25 | $-19.8M | — | ||
| Q1 25 | $-23.3M | — | ||
| Q4 24 | $-16.1M | — | ||
| Q3 24 | $-13.4M | — | ||
| Q2 24 | $-7.7M | — |
自由现金流率FINWIIPR
| Q1 26 | — | — | ||
| Q4 25 | -61.1% | — | ||
| Q3 25 | 9.4% | — | ||
| Q2 25 | -79.0% | — | ||
| Q1 25 | -105.3% | — | ||
| Q4 24 | -76.0% | — | ||
| Q3 24 | -64.3% | — | ||
| Q2 24 | -38.7% | — |
资本支出强度FINWIIPR
| Q1 26 | — | — | ||
| Q4 25 | 0.5% | — | ||
| Q3 25 | 0.1% | — | ||
| Q2 25 | 5.8% | — | ||
| Q1 25 | 7.4% | — | ||
| Q4 24 | 5.1% | — | ||
| Q3 24 | 17.2% | — | ||
| Q2 24 | 0.3% | — |
现金转化率FINWIIPR
| Q1 26 | — | — | ||
| Q4 25 | -7.26× | 6.22× | ||
| Q3 25 | 0.71× | 1.56× | ||
| Q2 25 | -4.48× | 1.86× | ||
| Q1 25 | -6.78× | 1.75× | ||
| Q4 24 | -5.37× | 6.46× | ||
| Q3 24 | -2.84× | 1.61× | ||
| Q2 24 | -2.39× | 1.53× |
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
FINW
| Net Interest Income | $28.1M | 66% |
| Noninterest Income | $14.6M | 34% |
IIPR
暂无分部数据
