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Finwise Bancorp（FINW）与STEM, INC.（STEM）财务数据对比。点击上方公司名可切换其他公司
STEM, INC.的季度营收约是Finwise Bancorp的1.1倍（$47.1M vs $42.7M），Finwise Bancorp净利率更高（6.4% vs -33.9%，领先40.3%），过去两年Finwise Bancorp的营收复合增速更高（47.0% vs 36.1%）
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。
该公司是一家公开上市的生物制药企业，总部位于加利福尼亚州纽瓦克，专注研发纯化人类神经干细胞，旨在治疗中枢神经系统疾病与瘫痪，其所研发的神经干细胞可分化为中枢神经系统的神经元、星形胶质细胞与少突胶质细胞这三大主要细胞类型。
FINW vs STEM — 直观对比
营收规模更大
STEM
是对方的1.1倍
$42.7M
净利率更高
FINW
高出40.3%
-33.9%
两年增速更快
FINW
近两年复合增速
36.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $42.7M | $47.1M |
| 净利润 | $2.7M | $-16.0M |
| 毛利率 | — | 48.9% |
| 营业利润率 | — | -17.7% |
| 净利率 | 6.4% | -33.9% |
| 营收同比 | — | -15.6% |
| 净利润同比 | — | 68.8% |
| 每股收益（稀释后） | $0.20 | $-4.40 |
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FINWSTEM
| Q1 26 | $42.7M | — | ||
| Q4 25 | $46.9M | $47.1M | ||
| Q3 25 | $36.7M | $38.2M | ||
| Q2 25 | $25.1M | $38.4M | ||
| Q1 25 | $22.1M | $32.5M | ||
| Q4 24 | $21.1M | $55.8M | ||
| Q3 24 | $20.8M | $29.3M | ||
| Q2 24 | $19.8M | $34.0M |
净利润FINWSTEM
| Q1 26 | $2.7M | — | ||
| Q4 25 | $3.9M | $-16.0M | ||
| Q3 25 | $4.9M | $-23.8M | ||
| Q2 25 | $4.1M | $202.5M | ||
| Q1 25 | $3.2M | $-25.0M | ||
| Q4 24 | $2.8M | $-51.1M | ||
| Q3 24 | $3.5M | $-148.3M | ||
| Q2 24 | $3.2M | $-582.3M |
毛利率FINWSTEM
| Q1 26 | — | — | ||
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% |
营业利润率FINWSTEM
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | -17.7% | ||
| Q3 25 | 17.5% | -33.6% | ||
| Q2 25 | 21.7% | -34.8% | ||
| Q1 25 | 20.1% | -65.0% | ||
| Q4 24 | 17.5% | -84.4% | ||
| Q3 24 | 22.2% | -493.2% | ||
| Q2 24 | 21.1% | -1705.5% |
净利率FINWSTEM
| Q1 26 | 6.4% | — | ||
| Q4 25 | 8.4% | -33.9% | ||
| Q3 25 | 13.3% | -62.2% | ||
| Q2 25 | 16.3% | 527.8% | ||
| Q1 25 | 14.4% | -76.9% | ||
| Q4 24 | 13.2% | -91.6% | ||
| Q3 24 | 16.6% | -506.3% | ||
| Q2 24 | 16.1% | -1712.6% |
每股收益（稀释后）FINWSTEM
| Q1 26 | $0.20 | — | ||
| Q4 25 | $0.27 | $-4.40 | ||
| Q3 25 | $0.34 | $-2.84 | ||
| Q2 25 | $0.29 | $-1.79 | ||
| Q1 25 | $0.23 | $-0.15 | ||
| Q4 24 | $0.19 | $-15.29 | ||
| Q3 24 | $0.25 | $-18.24 | ||
| Q2 24 | $0.24 | $-71.81 |
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 | — | $48.9M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $196.6M | $-249.4M |
| 总资产 | $899.4M | $308.9M |
| 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FINWSTEM
| Q1 26 | — | — | ||
| Q4 25 | $163.4M | $48.9M | ||
| Q3 25 | $105.6M | $43.1M | ||
| Q2 25 | $90.1M | $40.8M | ||
| Q1 25 | $120.3M | $58.6M | ||
| Q4 24 | $109.2M | $56.3M | ||
| Q3 24 | $85.8M | $75.4M | ||
| Q2 24 | $89.0M | $89.6M |
股东权益FINWSTEM
| Q1 26 | $196.6M | — | ||
| Q4 25 | $193.2M | $-249.4M | ||
| Q3 25 | $187.8M | $-235.7M | ||
| Q2 25 | $182.0M | $-214.1M | ||
| Q1 25 | $177.4M | $-417.5M | ||
| Q4 24 | $173.7M | $-398.4M | ||
| Q3 24 | $170.4M | $-344.1M | ||
| Q2 24 | $165.8M | $-203.2M |
总资产FINWSTEM
| Q1 26 | $899.4M | — | ||
| Q4 25 | $977.1M | $308.9M | ||
| Q3 25 | $899.9M | $362.6M | ||
| Q2 25 | $842.5M | $379.2M | ||
| Q1 25 | $804.1M | $405.1M | ||
| Q4 24 | $746.0M | $437.4M | ||
| Q3 24 | $683.0M | $537.8M | ||
| Q2 24 | $617.8M | $691.5M |
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 | — | $8.2M |
| 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 | — | — |
| 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FINWSTEM
| Q1 26 | — | — | ||
| Q4 25 | $-28.4M | $8.2M | ||
| Q3 25 | $3.5M | $11.4M | ||
| Q2 25 | $-18.3M | $-21.3M | ||
| Q1 25 | $-21.6M | $8.5M | ||
| Q4 24 | $-15.0M | $-14.7M | ||
| Q3 24 | $-9.8M | $-9.4M | ||
| Q2 24 | $-7.6M | $-11.9M |
自由现金流FINWSTEM
| 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FINWSTEM
| 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FINWSTEM
| 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FINWSTEM
| Q1 26 | — | — | ||
| Q4 25 | -7.26× | — | ||
| Q3 25 | 0.71× | — | ||
| Q2 25 | -4.48× | -0.11× | ||
| 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% |
STEM
暂无分部数据
