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FNB CORP（FNB）与Forestar Group Inc.（FOR）财务数据对比。点击上方公司名可切换其他公司
FNB CORP的季度营收约是Forestar Group Inc.的1.3倍（$366.0M vs $273.0M），FNB CORP净利率更高（45.9% vs 5.6%，领先40.3%），FNB CORP同比增速更快（13.7% vs 9.0%），FNB CORP自由现金流更多（$99.0M vs $-157.1M），过去两年FNB CORP的营收复合增速更高（7.1% vs -9.6%）
FNB集团是总部位于美国宾夕法尼亚州匹兹堡的多元化金融服务机构，为旗下最大子公司第一国民银行的控股主体，截至2025年12月31日总资产超500亿美元，业务覆盖匹兹堡、巴尔的摩、克利夫兰、华盛顿特区、北卡罗来纳州多座城市及南卡罗来纳州查尔斯顿等核心都会区。
福雷斯特集团是一家住宅地块开发企业，总部位于得克萨斯州阿灵顿，业务覆盖美国21个州的51个市场。截至2020年12月31日的12个月内，该公司交付了11518块住宅地块，目前在纽约证券交易所上市，自2002年起就是美国规模最大的住宅建筑商D.R. Horton的控股子公司。
FNB vs FOR — 直观对比
营收规模更大
FNB
是对方的1.3倍
$273.0M
营收增速更快
FNB
高出4.6%
9.0%
净利率更高
FNB
高出40.3%
5.6%
自由现金流更多
FNB
多$256.1M
$-157.1M
两年增速更快
FNB
近两年复合增速
-9.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $366.0M | $273.0M |
| 净利润 | $168.0M | $15.4M |
| 毛利率 | — | 20.1% |
| 营业利润率 | 45.1% | 7.6% |
| 净利率 | 45.9% | 5.6% |
| 营收同比 | 13.7% | 9.0% |
| 净利润同比 | 52.7% | -6.7% |
| 每股收益（稀释后） | $0.47 | $0.30 |
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FNBFOR
| Q4 25 | $366.0M | $273.0M | ||
| Q3 25 | $359.0M | $670.5M | ||
| Q2 25 | $348.0M | $390.5M | ||
| Q1 25 | $323.0M | $351.0M | ||
| Q4 24 | $322.0M | $250.4M | ||
| Q3 24 | $323.0M | $551.3M | ||
| Q2 24 | $316.0M | $318.4M | ||
| Q1 24 | $319.0M | $333.8M |
净利润FNBFOR
| Q4 25 | $168.0M | $15.4M | ||
| Q3 25 | $150.0M | $86.9M | ||
| Q2 25 | $130.0M | $32.9M | ||
| Q1 25 | $117.0M | $31.6M | ||
| Q4 24 | $110.0M | $16.5M | ||
| Q3 24 | $110.0M | $81.5M | ||
| Q2 24 | $123.0M | $38.7M | ||
| Q1 24 | $122.0M | $45.0M |
毛利率FNBFOR
| Q4 25 | — | 20.1% | ||
| Q3 25 | — | 22.3% | ||
| Q2 25 | — | 20.4% | ||
| Q1 25 | — | 22.6% | ||
| Q4 24 | — | 22.0% | ||
| Q3 24 | — | 23.9% | ||
| Q2 24 | — | 22.5% | ||
| Q1 24 | — | 24.9% |
营业利润率FNBFOR
| Q4 25 | 45.1% | 7.6% | ||
| Q3 25 | 52.9% | 16.9% | ||
| Q2 25 | 47.7% | 11.2% | ||
| Q1 25 | 45.8% | 11.6% | ||
| Q4 24 | 31.7% | 8.7% | ||
| Q3 24 | 43.3% | 19.7% | ||
| Q2 24 | 49.7% | 16.2% | ||
| Q1 24 | 48.9% | 17.6% |
净利率FNBFOR
| Q4 25 | 45.9% | 5.6% | ||
| Q3 25 | 41.8% | 13.0% | ||
| Q2 25 | 37.4% | 8.4% | ||
| Q1 25 | 36.2% | 9.0% | ||
| Q4 24 | 34.2% | 6.6% | ||
| Q3 24 | 34.1% | 14.8% | ||
| Q2 24 | 38.9% | 12.2% | ||
| Q1 24 | 38.2% | 13.5% |
每股收益（稀释后）FNBFOR
| Q4 25 | $0.47 | $0.30 | ||
| Q3 25 | $0.41 | $1.70 | ||
| Q2 25 | $0.36 | $0.65 | ||
| Q1 25 | $0.32 | $0.62 | ||
| Q4 24 | $0.31 | $0.32 | ||
| Q3 24 | $0.30 | $1.59 | ||
| Q2 24 | $0.34 | $0.76 | ||
| Q1 24 | $0.32 | $0.89 |
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 | $2.5B | $211.7M |
| 总债务越低越好 | $1.9B | $793.2M |
| 股东权益账面价值 | $6.8B | $1.8B |
| 总资产 | $50.2B | $3.2B |
| 负债/权益比越低杠杆越低 | 0.28× | 0.44× |
8季度趋势，按日历期对齐
现金及短期投资FNBFOR
| Q4 25 | $2.5B | $211.7M | ||
| Q3 25 | $2.4B | $379.2M | ||
| Q2 25 | $2.4B | $189.2M | ||
| Q1 25 | $2.4B | $174.3M | ||
| Q4 24 | $2.4B | $132.0M | ||
| Q3 24 | $2.1B | $481.2M | ||
| Q2 24 | $1.9B | $359.2M | ||
| Q1 24 | $1.5B | $416.2M |
总债务FNBFOR
| Q4 25 | $1.9B | $793.2M | ||
| Q3 25 | $2.1B | $802.7M | ||
| Q2 25 | $2.7B | $872.8M | ||
| Q1 25 | $2.5B | $872.5M | ||
| Q4 24 | $3.0B | $806.8M | ||
| Q3 24 | $2.5B | $706.4M | ||
| Q2 24 | $2.0B | $706.1M | ||
| Q1 24 | $2.1B | $705.7M |
股东权益FNBFOR
| Q4 25 | $6.8B | $1.8B | ||
| Q3 25 | $6.6B | $1.8B | ||
| Q2 25 | $6.5B | $1.7B | ||
| Q1 25 | $6.4B | $1.6B | ||
| Q4 24 | $6.3B | $1.6B | ||
| Q3 24 | $6.2B | $1.6B | ||
| Q2 24 | $6.1B | $1.5B | ||
| Q1 24 | $6.0B | $1.5B |
总资产FNBFOR
| Q4 25 | $50.2B | $3.2B | ||
| Q3 25 | $49.9B | $3.1B | ||
| Q2 25 | $49.7B | $3.1B | ||
| Q1 25 | $49.0B | $3.0B | ||
| Q4 24 | $48.6B | $3.0B | ||
| Q3 24 | $48.0B | $2.8B | ||
| Q2 24 | $47.7B | $2.7B | ||
| Q1 24 | $45.9B | $2.6B |
负债/权益比FNBFOR
| Q4 25 | 0.28× | 0.44× | ||
| Q3 25 | 0.32× | 0.45× | ||
| Q2 25 | 0.41× | 0.52× | ||
| Q1 25 | 0.39× | 0.53× | ||
| Q4 24 | 0.48× | 0.50× | ||
| Q3 24 | 0.40× | 0.44× | ||
| Q2 24 | 0.33× | 0.47× | ||
| Q1 24 | 0.35× | 0.48× |
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 | $128.0M | $-157.0M |
| 自由现金流经营现金流 - 资本支出 | $99.0M | $-157.1M |
| 自由现金流率自由现金流/营收 | 27.0% | -57.5% |
| 资本支出强度资本支出/营收 | 7.9% | 0.0% |
| 现金转化率经营现金流/净利润 | 0.76× | -10.19× |
| 过去12个月自由现金流最近4个季度 | $376.0M | $93.0M |
8季度趋势，按日历期对齐
经营现金流FNBFOR
| Q4 25 | $128.0M | $-157.0M | ||
| Q3 25 | $167.0M | $256.3M | ||
| Q2 25 | $123.0M | $15.8M | ||
| Q1 25 | $64.0M | $-19.8M | ||
| Q4 24 | $326.0M | $-450.0M | ||
| Q3 24 | $-14.0M | $119.2M | ||
| Q2 24 | $85.0M | $-61.7M | ||
| Q1 24 | $245.0M | $-59.2M |
自由现金流FNBFOR
| Q4 25 | $99.0M | $-157.1M | ||
| Q3 25 | $149.0M | $255.6M | ||
| Q2 25 | $85.0M | $15.0M | ||
| Q1 25 | $43.0M | $-20.5M | ||
| Q4 24 | $278.0M | — | ||
| Q3 24 | $-46.0M | $118.4M | ||
| Q2 24 | $55.0M | $-62.3M | ||
| Q1 24 | $216.0M | $-59.8M |
自由现金流率FNBFOR
| Q4 25 | 27.0% | -57.5% | ||
| Q3 25 | 41.5% | 38.1% | ||
| Q2 25 | 24.4% | 3.8% | ||
| Q1 25 | 13.3% | -5.8% | ||
| Q4 24 | 86.3% | — | ||
| Q3 24 | -14.2% | 21.5% | ||
| Q2 24 | 17.4% | -19.6% | ||
| Q1 24 | 67.7% | -17.9% |
资本支出强度FNBFOR
| Q4 25 | 7.9% | 0.0% | ||
| Q3 25 | 5.0% | 0.1% | ||
| Q2 25 | 10.9% | 0.2% | ||
| Q1 25 | 6.5% | 0.2% | ||
| Q4 24 | 14.9% | 0.0% | ||
| Q3 24 | 9.9% | 0.1% | ||
| Q2 24 | 9.5% | 0.2% | ||
| Q1 24 | 9.1% | 0.2% |
现金转化率FNBFOR
| Q4 25 | 0.76× | -10.19× | ||
| Q3 25 | 1.11× | 2.95× | ||
| Q2 25 | 0.95× | 0.48× | ||
| Q1 25 | 0.55× | -0.63× | ||
| Q4 24 | 2.96× | -27.27× | ||
| Q3 24 | -0.13× | 1.46× | ||
| Q2 24 | 0.69× | -1.59× | ||
| Q1 24 | 2.01× | -1.32× |
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
FNB
暂无分部数据
FOR
| D.R.Horton Inc. | $183.8M | 67% |
| Other | $89.2M | 33% |
