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Finwise Bancorp（FINW）与Rumble Inc.（RUM）财务数据对比。点击上方公司名可切换其他公司
Finwise Bancorp的季度营收约是Rumble Inc.的1.6倍（$42.7M vs $27.1M），Finwise Bancorp净利率更高（6.4% vs -120.8%，领先127.2%），过去两年Finwise Bancorp的营收复合增速更高（47.0% vs 15.2%）
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。
Rumble Inc.是一家加美跨国企业，主营在线视频平台、网络托管及云服务，总部位于加拿大多伦多，美国总部设在佛罗里达州朗博特基。公司由加拿大科技创业者克里斯·帕夫洛夫斯基于2013年创立，云服务板块为Truth Social提供托管支持，其视频平台在美国保守派及极右翼用户群体中广受欢迎，属于“另类科技”阵营。
FINW vs RUM — 直观对比
营收规模更大
FINW
是对方的1.6倍
$27.1M
净利率更高
FINW
高出127.2%
-120.8%
两年增速更快
FINW
近两年复合增速
15.2%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $42.7M | $27.1M |
| 净利润 | $2.7M | $-32.7M |
| 毛利率 | — | 5.5% |
| 营业利润率 | — | -131.1% |
| 净利率 | 6.4% | -120.8% |
| 营收同比 | — | -10.5% |
| 净利润同比 | — | 86.2% |
| 每股收益（稀释后） | $0.20 | $-0.13 |
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FINWRUM
| Q1 26 | $42.7M | — | ||
| Q4 25 | $46.9M | $27.1M | ||
| Q3 25 | $36.7M | $24.8M | ||
| Q2 25 | $25.1M | — | ||
| Q1 25 | $22.1M | $23.7M | ||
| Q4 24 | $21.1M | $30.2M | ||
| Q3 24 | $20.8M | $25.1M | ||
| Q2 24 | $19.8M | $22.5M |
净利润FINWRUM
| Q1 26 | $2.7M | — | ||
| Q4 25 | $3.9M | $-32.7M | ||
| Q3 25 | $4.9M | $-16.3M | ||
| Q2 25 | $4.1M | — | ||
| Q1 25 | $3.2M | $-2.7M | ||
| Q4 24 | $2.8M | $-236.8M | ||
| Q3 24 | $3.5M | $-31.5M | ||
| Q2 24 | $3.2M | $-26.8M |
毛利率FINWRUM
| Q1 26 | — | — | ||
| Q4 25 | — | 5.5% | ||
| Q3 25 | — | -1.8% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | -26.7% | ||
| Q4 24 | — | -14.2% | ||
| Q3 24 | — | -45.4% | ||
| Q2 24 | — | -58.8% |
营业利润率FINWRUM
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | -131.1% | ||
| Q3 25 | 17.5% | -113.6% | ||
| Q2 25 | 21.7% | — | ||
| Q1 25 | 20.1% | -153.5% | ||
| Q4 24 | 17.5% | -80.1% | ||
| Q3 24 | 22.2% | -131.0% | ||
| Q2 24 | 21.1% | -172.7% |
净利率FINWRUM
| Q1 26 | 6.4% | — | ||
| Q4 25 | 8.4% | -120.8% | ||
| Q3 25 | 13.3% | -65.7% | ||
| Q2 25 | 16.3% | — | ||
| Q1 25 | 14.4% | -11.2% | ||
| Q4 24 | 13.2% | -783.2% | ||
| Q3 24 | 16.6% | -125.9% | ||
| Q2 24 | 16.1% | -119.2% |
每股收益（稀释后）FINWRUM
| Q1 26 | $0.20 | — | ||
| Q4 25 | $0.27 | $-0.13 | ||
| Q3 25 | $0.34 | $-0.06 | ||
| Q2 25 | $0.29 | — | ||
| Q1 25 | $0.23 | $-0.01 | ||
| Q4 24 | $0.19 | $-1.17 | ||
| Q3 24 | $0.25 | $-0.15 | ||
| Q2 24 | $0.24 | $-0.13 |
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 | — | $237.9M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $196.6M | $274.8M |
| 总资产 | $899.4M | $336.8M |
| 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FINWRUM
| Q1 26 | — | — | ||
| Q4 25 | $163.4M | $237.9M | ||
| Q3 25 | $105.6M | $269.8M | ||
| Q2 25 | $90.1M | — | ||
| Q1 25 | $120.3M | $301.3M | ||
| Q4 24 | $109.2M | $114.0M | ||
| Q3 24 | $85.8M | $132.0M | ||
| Q2 24 | $89.0M | $154.2M |
股东权益FINWRUM
| Q1 26 | $196.6M | — | ||
| Q4 25 | $193.2M | $274.8M | ||
| Q3 25 | $187.8M | $302.2M | ||
| Q2 25 | $182.0M | — | ||
| Q1 25 | $177.4M | $339.6M | ||
| Q4 24 | $173.7M | $-63.1M | ||
| Q3 24 | $170.4M | $166.1M | ||
| Q2 24 | $165.8M | $192.7M |
总资产FINWRUM
| Q1 26 | $899.4M | — | ||
| Q4 25 | $977.1M | $336.8M | ||
| Q3 25 | $899.9M | $367.2M | ||
| Q2 25 | $842.5M | — | ||
| Q1 25 | $804.1M | $391.1M | ||
| Q4 24 | $746.0M | $195.3M | ||
| Q3 24 | $683.0M | $217.2M | ||
| Q2 24 | $617.8M | $243.2M |
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 | — | $-29.4M |
| 自由现金流经营现金流 - 资本支出 | — | $-31.7M |
| 自由现金流率自由现金流/营收 | — | -117.2% |
| 资本支出强度资本支出/营收 | — | 8.5% |
| 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 | — | $-70.8M |
8季度趋势，按日历期对齐
经营现金流FINWRUM
| Q1 26 | — | — | ||
| Q4 25 | $-28.4M | $-29.4M | ||
| Q3 25 | $3.5M | $-10.6M | ||
| Q2 25 | $-18.3M | — | ||
| Q1 25 | $-21.6M | $-14.5M | ||
| Q4 24 | $-15.0M | $-12.4M | ||
| Q3 24 | $-9.8M | $-19.1M | ||
| Q2 24 | $-7.6M | $-21.7M |
自由现金流FINWRUM
| Q1 26 | — | — | ||
| Q4 25 | $-28.6M | $-31.7M | ||
| Q3 25 | $3.4M | $-12.0M | ||
| Q2 25 | $-19.8M | — | ||
| Q1 25 | $-23.3M | $-14.6M | ||
| Q4 24 | $-16.1M | $-12.4M | ||
| Q3 24 | $-13.4M | $-19.9M | ||
| Q2 24 | $-7.7M | $-23.1M |
自由现金流率FINWRUM
| Q1 26 | — | — | ||
| Q4 25 | -61.1% | -117.2% | ||
| Q3 25 | 9.4% | -48.6% | ||
| Q2 25 | -79.0% | — | ||
| Q1 25 | -105.3% | -61.7% | ||
| Q4 24 | -76.0% | -40.9% | ||
| Q3 24 | -64.3% | -79.5% | ||
| Q2 24 | -38.7% | -102.8% |
资本支出强度FINWRUM
| Q1 26 | — | — | ||
| Q4 25 | 0.5% | 8.5% | ||
| Q3 25 | 0.1% | 5.7% | ||
| Q2 25 | 5.8% | — | ||
| Q1 25 | 7.4% | 0.6% | ||
| Q4 24 | 5.1% | 0.1% | ||
| Q3 24 | 17.2% | 3.4% | ||
| Q2 24 | 0.3% | 6.1% |
现金转化率FINWRUM
| Q1 26 | — | — | ||
| Q4 25 | -7.26× | — | ||
| Q3 25 | 0.71× | — | ||
| Q2 25 | -4.48× | — | ||
| Q1 25 | -6.78× | — | ||
| Q4 24 | -5.37× | — | ||
| Q3 24 | -2.84× | — | ||
| Q2 24 | -2.39× | — |
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% |
RUM
| Audience Monetization | $23.8M | 88% |
| Other Initiatives | $3.3M | 12% |
