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FLAGSTAR BANK, NATIONAL ASSOCIATION（FLG）与边疆航空（SNCY）财务数据对比。点击上方公司名可切换其他公司
FLAGSTAR BANK, NATIONAL ASSOCIATION的季度营收约是边疆航空的1.8倍（$498.0M vs $281.0M），FLAGSTAR BANK, NATIONAL ASSOCIATION净利率更高（4.2% vs 2.9%，领先1.3%），边疆航空同比增速更快（7.9% vs 1.6%），过去两年边疆航空的营收复合增速更高（-5.0% vs -10.7%）
Flagstar银行是原总部位于美国密歇根州特洛伊的商业银行，成立于1987年，主营零售及商业银行业务、抵押贷款发放及各类金融服务。其控股公司于2022年12月被纽约社区银行收购，后者后将全部门店统一为Flagstar品牌，2024年更名为Flagstar Financial，2025年启动企业重组。
边疆航空是美国主流超低成本航空公司，总部位于科罗拉多州丹佛市。该航司运营飞往美国本土、加勒比地区、墨西哥及中美洲共120余个目的地的航线，员工规模超过5000人，目前为公开上市企业，枢纽基地覆盖丹佛国际机场、奥兰多国际机场，以及美国本土和波多黎各的另外11座城市。
FLG vs SNCY — 直观对比
营收规模更大
FLG
是对方的1.8倍
$281.0M
营收增速更快
SNCY
高出6.3%
1.6%
净利率更高
FLG
高出1.3%
2.9%
两年增速更快
SNCY
近两年复合增速
-10.7%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $498.0M | $281.0M |
| 净利润 | $21.0M | $8.1M |
| 毛利率 | — | — |
| 营业利润率 | — | 6.5% |
| 净利率 | 4.2% | 2.9% |
| 营收同比 | 1.6% | 7.9% |
| 净利润同比 | -27.6% | -39.4% |
| 每股收益（稀释后） | $0.03 | $0.15 |
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FLGSNCY
| Q1 26 | $498.0M | — | ||
| Q4 25 | $2.1B | $281.0M | ||
| Q3 25 | $425.0M | $255.5M | ||
| Q2 25 | $419.0M | $263.6M | ||
| Q1 25 | — | $326.6M | ||
| Q4 24 | $461.0M | $260.4M | ||
| Q3 24 | $510.0M | $249.5M | ||
| Q2 24 | $557.0M | $254.4M |
净利润FLGSNCY
| Q1 26 | $21.0M | — | ||
| Q4 25 | $29.0M | $8.1M | ||
| Q3 25 | $-36.0M | $1.6M | ||
| Q2 25 | $-70.0M | $6.6M | ||
| Q1 25 | — | $36.5M | ||
| Q4 24 | $-188.0M | $13.4M | ||
| Q3 24 | $-280.0M | $2.3M | ||
| Q2 24 | $-323.0M | $1.8M |
营业利润率FLGSNCY
| Q1 26 | — | — | ||
| Q4 25 | — | 6.5% | ||
| Q3 25 | -9.6% | 3.9% | ||
| Q2 25 | -19.3% | 6.2% | ||
| Q1 25 | — | 17.2% | ||
| Q4 24 | -51.6% | 10.0% | ||
| Q3 24 | -65.7% | 5.0% | ||
| Q2 24 | -76.1% | 4.9% |
净利率FLGSNCY
| Q1 26 | 4.2% | — | ||
| Q4 25 | 1.4% | 2.9% | ||
| Q3 25 | -8.5% | 0.6% | ||
| Q2 25 | -16.7% | 2.5% | ||
| Q1 25 | — | 11.2% | ||
| Q4 24 | -40.8% | 5.2% | ||
| Q3 24 | -54.9% | 0.9% | ||
| Q2 24 | -58.0% | 0.7% |
每股收益（稀释后）FLGSNCY
| Q1 26 | $0.03 | — | ||
| Q4 25 | $0.05 | $0.15 | ||
| Q3 25 | $-0.11 | $0.03 | ||
| Q2 25 | $-0.19 | $0.12 | ||
| Q1 25 | — | $0.66 | ||
| Q4 24 | $-1.11 | $0.25 | ||
| Q3 24 | $-0.79 | $0.04 | ||
| Q2 24 | $-1.14 | $0.03 |
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 | — | $234.3M |
| 总债务越低越好 | — | $323.3M |
| 股东权益账面价值 | $8.1B | $625.2M |
| 总资产 | $87.1B | $1.7B |
| 负债/权益比越低杠杆越低 | — | 0.52× |
8季度趋势，按日历期对齐
现金及短期投资FLGSNCY
| Q1 26 | — | — | ||
| Q4 25 | — | $234.3M | ||
| Q3 25 | $23.6B | $176.2M | ||
| Q2 25 | $22.9B | $138.3M | ||
| Q1 25 | — | $158.8M | ||
| Q4 24 | $25.8B | $187.3M | ||
| Q3 24 | $33.6B | $146.5M | ||
| Q2 24 | $29.5B | $135.2M |
总债务FLGSNCY
| Q1 26 | — | — | ||
| Q4 25 | — | $323.3M | ||
| Q3 25 | $13.2B | $301.3M | ||
| Q2 25 | $13.2B | $282.1M | ||
| Q1 25 | — | $312.6M | ||
| Q4 24 | $14.4B | $327.1M | ||
| Q3 24 | $20.3B | $351.8M | ||
| Q2 24 | $28.9B | $365.5M |
股东权益FLGSNCY
| Q1 26 | $8.1B | — | ||
| Q4 25 | $8.1M | $625.2M | ||
| Q3 25 | $8.1B | $610.2M | ||
| Q2 25 | $8.1B | $613.0M | ||
| Q1 25 | — | $603.0M | ||
| Q4 24 | $8.2B | $570.4M | ||
| Q3 24 | $8.6B | $552.5M | ||
| Q2 24 | $8.4B | $546.9M |
总资产FLGSNCY
| Q1 26 | $87.1B | — | ||
| Q4 25 | $87.5M | $1.7B | ||
| Q3 25 | $91.7B | $1.6B | ||
| Q2 25 | $92.2B | $1.6B | ||
| Q1 25 | — | $1.6B | ||
| Q4 24 | $100.2B | $1.6B | ||
| Q3 24 | $114.4B | $1.6B | ||
| Q2 24 | $119.1B | $1.6B |
负债/权益比FLGSNCY
| Q1 26 | — | — | ||
| Q4 25 | — | 0.52× | ||
| Q3 25 | 1.63× | 0.49× | ||
| Q2 25 | 1.63× | 0.46× | ||
| Q1 25 | — | 0.52× | ||
| Q4 24 | 1.77× | 0.57× | ||
| Q3 24 | 2.37× | 0.64× | ||
| Q2 24 | 3.44× | 0.67× |
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 | — | $78.9M |
| 自由现金流经营现金流 - 资本支出 | — | $34.9M |
| 自由现金流率自由现金流/营收 | — | 12.4% |
| 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 | — | 9.69× |
| 过去12个月自由现金流最近4个季度 | — | $84.0M |
8季度趋势，按日历期对齐
经营现金流FLGSNCY
| Q1 26 | — | — | ||
| Q4 25 | — | $78.9M | ||
| Q3 25 | $243.0M | $41.9M | ||
| Q2 25 | — | $19.8M | ||
| Q1 25 | — | $16.4M | ||
| Q4 24 | $623.0M | $90.6M | ||
| Q3 24 | $-1.0B | $35.4M | ||
| Q2 24 | $796.0M | $8.2M |
自由现金流FLGSNCY
| Q1 26 | — | — | ||
| Q4 25 | — | $34.9M | ||
| Q3 25 | — | $34.0M | ||
| Q2 25 | — | $14.0M | ||
| Q1 25 | — | $1.0M | ||
| Q4 24 | — | $85.8M | ||
| Q3 24 | — | $31.0M | ||
| Q2 24 | — | $-382.0K |
自由现金流率FLGSNCY
| Q1 26 | — | — | ||
| Q4 25 | — | 12.4% | ||
| Q3 25 | — | 13.3% | ||
| Q2 25 | — | 5.3% | ||
| Q1 25 | — | 0.3% | ||
| Q4 24 | — | 33.0% | ||
| Q3 24 | — | 12.4% | ||
| Q2 24 | — | -0.2% |
资本支出强度FLGSNCY
| Q1 26 | — | — | ||
| Q4 25 | — | 15.7% | ||
| Q3 25 | — | 3.1% | ||
| Q2 25 | — | 2.2% | ||
| Q1 25 | — | 4.7% | ||
| Q4 24 | — | 1.8% | ||
| Q3 24 | — | 1.8% | ||
| Q2 24 | — | 3.4% |
现金转化率FLGSNCY
| Q1 26 | — | — | ||
| Q4 25 | — | 9.69× | ||
| Q3 25 | — | 27.03× | ||
| Q2 25 | — | 3.01× | ||
| Q1 25 | — | 0.45× | ||
| Q4 24 | — | 6.74× | ||
| Q3 24 | — | 15.13× | ||
| Q2 24 | — | 4.50× |
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
FLG
暂无分部数据
SNCY
| Scheduled Service | $95.6M | 34% |
| Ancillary | $69.3M | 25% |
| Charter Service | $56.6M | 20% |
| Cargo And Freight | $48.0M | 17% |
| Service Other | $11.4M | 4% |
