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Finwise Bancorp（FINW）与PDF SOLUTIONS INC（PDFS）财务数据对比。点击上方公司名可切换其他公司
PDF SOLUTIONS INC的季度营收约是Finwise Bancorp的1.5倍（$62.4M vs $42.7M），Finwise Bancorp净利率更高（6.4% vs -0.1%，领先6.5%），过去两年Finwise Bancorp的营收复合增速更高（47.0% vs 22.9%）
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。
PDF Solutions Inc是一家总部位于美国加利福尼亚州圣克拉拉的跨国企业，主营软件业务与工程技术服务，目前在纳斯达克交易所挂牌上市，股票代码为PDFS。
FINW vs PDFS — 直观对比
营收规模更大
PDFS
是对方的1.5倍
$42.7M
净利率更高
FINW
高出6.5%
-0.1%
两年增速更快
FINW
近两年复合增速
22.9%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $42.7M | $62.4M |
| 净利润 | $2.7M | $-48.0K |
| 毛利率 | — | 72.9% |
| 营业利润率 | — | 5.5% |
| 净利率 | 6.4% | -0.1% |
| 营收同比 | — | 24.6% |
| 净利润同比 | — | -108.9% |
| 每股收益（稀释后） | $0.20 | $0.00 |
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FINWPDFS
| Q1 26 | $42.7M | — | ||
| Q4 25 | $46.9M | $62.4M | ||
| Q3 25 | $36.7M | $57.1M | ||
| Q2 25 | $25.1M | $51.7M | ||
| Q1 25 | $22.1M | $47.8M | ||
| Q4 24 | $21.1M | $50.1M | ||
| Q3 24 | $20.8M | $46.4M | ||
| Q2 24 | $19.8M | $41.7M |
净利润FINWPDFS
| Q1 26 | $2.7M | — | ||
| Q4 25 | $3.9M | $-48.0K | ||
| Q3 25 | $4.9M | $1.3M | ||
| Q2 25 | $4.1M | $1.1M | ||
| Q1 25 | $3.2M | $-3.0M | ||
| Q4 24 | $2.8M | $539.0K | ||
| Q3 24 | $3.5M | $2.2M | ||
| Q2 24 | $3.2M | $1.7M |
毛利率FINWPDFS
| Q1 26 | — | — | ||
| Q4 25 | — | 72.9% | ||
| Q3 25 | — | 72.3% | ||
| Q2 25 | — | 71.2% | ||
| Q1 25 | — | 72.9% | ||
| Q4 24 | — | 68.3% | ||
| Q3 24 | — | 73.1% | ||
| Q2 24 | — | 70.6% |
营业利润率FINWPDFS
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | 5.5% | ||
| Q3 25 | 17.5% | 8.5% | ||
| Q2 25 | 21.7% | 2.2% | ||
| Q1 25 | 20.1% | -7.4% | ||
| Q4 24 | 17.5% | 1.0% | ||
| Q3 24 | 22.2% | 4.6% | ||
| Q2 24 | 21.1% | 0.6% |
净利率FINWPDFS
| Q1 26 | 6.4% | — | ||
| Q4 25 | 8.4% | -0.1% | ||
| Q3 25 | 13.3% | 2.3% | ||
| Q2 25 | 16.3% | 2.2% | ||
| Q1 25 | 14.4% | -6.3% | ||
| Q4 24 | 13.2% | 1.1% | ||
| Q3 24 | 16.6% | 4.8% | ||
| Q2 24 | 16.1% | 4.1% |
每股收益（稀释后）FINWPDFS
| Q1 26 | $0.20 | — | ||
| Q4 25 | $0.27 | $0.00 | ||
| Q3 25 | $0.34 | $0.03 | ||
| Q2 25 | $0.29 | $0.03 | ||
| Q1 25 | $0.23 | $-0.08 | ||
| Q4 24 | $0.19 | $0.01 | ||
| Q3 24 | $0.25 | $0.06 | ||
| Q2 24 | $0.24 | $0.04 |
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 | — | $42.2M |
| 总债务越低越好 | — | $67.0M |
| 股东权益账面价值 | $196.6M | $271.0M |
| 总资产 | $899.4M | $418.7M |
| 负债/权益比越低杠杆越低 | — | 0.25× |
8季度趋势，按日历期对齐
现金及短期投资FINWPDFS
| Q1 26 | — | — | ||
| Q4 25 | $163.4M | $42.2M | ||
| Q3 25 | $105.6M | $35.9M | ||
| Q2 25 | $90.1M | $40.4M | ||
| Q1 25 | $120.3M | $54.1M | ||
| Q4 24 | $109.2M | $114.9M | ||
| Q3 24 | $85.8M | $120.2M | ||
| Q2 24 | $89.0M | $117.9M |
总债务FINWPDFS
| Q1 26 | — | — | ||
| Q4 25 | — | $67.0M | ||
| Q3 25 | — | $67.6M | ||
| Q2 25 | — | $68.1M | ||
| Q1 25 | — | $68.7M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益FINWPDFS
| Q1 26 | $196.6M | — | ||
| Q4 25 | $193.2M | $271.0M | ||
| Q3 25 | $187.8M | $264.4M | ||
| Q2 25 | $182.0M | $257.5M | ||
| Q1 25 | $177.4M | $249.0M | ||
| Q4 24 | $173.7M | $246.0M | ||
| Q3 24 | $170.4M | $240.5M | ||
| Q2 24 | $165.8M | $232.2M |
总资产FINWPDFS
| Q1 26 | $899.4M | — | ||
| Q4 25 | $977.1M | $418.7M | ||
| Q3 25 | $899.9M | $406.4M | ||
| Q2 25 | $842.5M | $391.1M | ||
| Q1 25 | $804.1M | $390.0M | ||
| Q4 24 | $746.0M | $315.3M | ||
| Q3 24 | $683.0M | $307.4M | ||
| Q2 24 | $617.8M | $298.0M |
负债/权益比FINWPDFS
| Q1 26 | — | — | ||
| Q4 25 | — | 0.25× | ||
| Q3 25 | — | 0.26× | ||
| Q2 25 | — | 0.26× | ||
| Q1 25 | — | 0.28× | ||
| 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 | — | $17.3M |
| 自由现金流经营现金流 - 资本支出 | — | $7.5M |
| 自由现金流率自由现金流/营收 | — | 12.1% |
| 资本支出强度资本支出/营收 | — | 15.7% |
| 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 | — | $-8.6M |
8季度趋势，按日历期对齐
经营现金流FINWPDFS
| Q1 26 | — | — | ||
| Q4 25 | $-28.4M | $17.3M | ||
| Q3 25 | $3.5M | $3.3M | ||
| Q2 25 | $-18.3M | $-5.2M | ||
| Q1 25 | $-21.6M | $8.6M | ||
| Q4 24 | $-15.0M | $1.6M | ||
| Q3 24 | $-9.8M | $9.3M | ||
| Q2 24 | $-7.6M | $684.0K |
自由现金流FINWPDFS
| Q1 26 | — | — | ||
| Q4 25 | $-28.6M | $7.5M | ||
| Q3 25 | $3.4M | $-2.9M | ||
| Q2 25 | $-19.8M | $-13.8M | ||
| Q1 25 | $-23.3M | $535.0K | ||
| Q4 24 | $-16.1M | $-4.0M | ||
| Q3 24 | $-13.4M | $5.1M | ||
| Q2 24 | $-7.7M | $-4.6M |
自由现金流率FINWPDFS
| Q1 26 | — | — | ||
| Q4 25 | -61.1% | 12.1% | ||
| Q3 25 | 9.4% | -5.1% | ||
| Q2 25 | -79.0% | -26.6% | ||
| Q1 25 | -105.3% | 1.1% | ||
| Q4 24 | -76.0% | -8.0% | ||
| Q3 24 | -64.3% | 11.0% | ||
| Q2 24 | -38.7% | -11.1% |
资本支出强度FINWPDFS
| Q1 26 | — | — | ||
| Q4 25 | 0.5% | 15.7% | ||
| Q3 25 | 0.1% | 10.8% | ||
| Q2 25 | 5.8% | 16.5% | ||
| Q1 25 | 7.4% | 17.0% | ||
| Q4 24 | 5.1% | 11.3% | ||
| Q3 24 | 17.2% | 9.0% | ||
| Q2 24 | 0.3% | 12.8% |
现金转化率FINWPDFS
| Q1 26 | — | — | ||
| Q4 25 | -7.26× | — | ||
| Q3 25 | 0.71× | 2.54× | ||
| Q2 25 | -4.48× | -4.55× | ||
| Q1 25 | -6.78× | — | ||
| Q4 24 | -5.37× | 2.98× | ||
| Q3 24 | -2.84× | 4.20× | ||
| Q2 24 | -2.39× | 0.40× |
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% |
PDFS
| Volumebased | $38.0M | 61% |
| Other | $24.4M | 39% |
