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FNB CORP（FNB）与Real Brokerage Inc（REAX）财务数据对比。点击上方公司名可切换其他公司
Real Brokerage Inc的季度营收约是FNB CORP的1.6倍（$568.5M vs $366.0M），FNB CORP净利率更高（45.9% vs -0.1%，领先46.0%），Real Brokerage Inc同比增速更快（52.6% vs 13.7%），FNB CORP自由现金流更多（$99.0M vs $8.4M）
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。
该企业是美国房产服务企业，主营房产经纪业务运营与品牌特许经营，业务覆盖房产中介、 relocation服务、产权服务、保险及结算服务，旗下拥有Better Homes and Gardens Real Estate、21世纪不动产、Coldwell Banker、Corcoran Group、ERA房地产以及苏富比国际地产等多个知名品牌，2026年被Compass, Inc.收购。
FNB vs REAX — 直观对比
营收规模更大
REAX
是对方的1.6倍
$366.0M
营收增速更快
REAX
高出39.0%
13.7%
净利率更高
FNB
高出46.0%
-0.1%
自由现金流更多
FNB
多$90.6M
$8.4M
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $366.0M | $568.5M |
| 净利润 | $168.0M | $-447.0K |
| 毛利率 | — | 7.9% |
| 营业利润率 | 45.1% | -0.1% |
| 净利率 | 45.9% | -0.1% |
| 营收同比 | 13.7% | 52.6% |
| 净利润同比 | 52.7% | 82.7% |
| 每股收益（稀释后） | $0.47 | $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FNBREAX
| Q4 25 | $366.0M | — | ||
| Q3 25 | $359.0M | $568.5M | ||
| Q2 25 | $348.0M | $540.7M | ||
| Q1 25 | $323.0M | $354.0M | ||
| Q4 24 | $322.0M | — | ||
| Q3 24 | $323.0M | $372.5M | ||
| Q2 24 | $316.0M | — | ||
| Q1 24 | $319.0M | $200.7M |
净利润FNBREAX
| Q4 25 | $168.0M | — | ||
| Q3 25 | $150.0M | $-447.0K | ||
| Q2 25 | $130.0M | $1.5M | ||
| Q1 25 | $117.0M | $-5.0M | ||
| Q4 24 | $110.0M | — | ||
| Q3 24 | $110.0M | $-2.6M | ||
| Q2 24 | $123.0M | — | ||
| Q1 24 | $122.0M | $-16.1M |
毛利率FNBREAX
| Q4 25 | — | — | ||
| Q3 25 | — | 7.9% | ||
| Q2 25 | — | 8.9% | ||
| Q1 25 | — | 9.6% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 8.6% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 10.3% |
营业利润率FNBREAX
| Q4 25 | 45.1% | — | ||
| Q3 25 | 52.9% | -0.1% | ||
| Q2 25 | 47.7% | 0.3% | ||
| Q1 25 | 45.8% | -1.5% | ||
| Q4 24 | 31.7% | — | ||
| Q3 24 | 43.3% | -0.7% | ||
| Q2 24 | 49.7% | — | ||
| Q1 24 | 48.9% | -7.8% |
净利率FNBREAX
| Q4 25 | 45.9% | — | ||
| Q3 25 | 41.8% | -0.1% | ||
| Q2 25 | 37.4% | 0.3% | ||
| Q1 25 | 36.2% | -1.4% | ||
| Q4 24 | 34.2% | — | ||
| Q3 24 | 34.1% | -0.7% | ||
| Q2 24 | 38.9% | — | ||
| Q1 24 | 38.2% | -8.0% |
每股收益（稀释后）FNBREAX
| Q4 25 | $0.47 | — | ||
| Q3 25 | $0.41 | $0.00 | ||
| Q2 25 | $0.36 | $0.01 | ||
| Q1 25 | $0.32 | $-0.02 | ||
| Q4 24 | $0.31 | — | ||
| Q3 24 | $0.30 | $-0.01 | ||
| Q2 24 | $0.34 | — | ||
| Q1 24 | $0.32 | $-0.09 |
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 | $38.7M |
| 总债务越低越好 | $1.9B | — |
| 股东权益账面价值 | $6.8B | $53.6M |
| 总资产 | $50.2B | $145.2M |
| 负债/权益比越低杠杆越低 | 0.28× | — |
8季度趋势，按日历期对齐
现金及短期投资FNBREAX
| Q4 25 | $2.5B | — | ||
| Q3 25 | $2.4B | $38.7M | ||
| Q2 25 | $2.4B | $49.7M | ||
| Q1 25 | $2.4B | $24.7M | ||
| Q4 24 | $2.4B | — | ||
| Q3 24 | $2.1B | $22.6M | ||
| Q2 24 | $1.9B | — | ||
| Q1 24 | $1.5B | $20.1M |
总债务FNBREAX
| Q4 25 | $1.9B | — | ||
| Q3 25 | $2.1B | — | ||
| Q2 25 | $2.7B | — | ||
| Q1 25 | $2.5B | — | ||
| Q4 24 | $3.0B | — | ||
| Q3 24 | $2.5B | — | ||
| Q2 24 | $2.0B | — | ||
| Q1 24 | $2.1B | — |
股东权益FNBREAX
| Q4 25 | $6.8B | — | ||
| Q3 25 | $6.6B | $53.6M | ||
| Q2 25 | $6.5B | $49.2M | ||
| Q1 25 | $6.4B | $32.8M | ||
| Q4 24 | $6.3B | — | ||
| Q3 24 | $6.2B | $29.8M | ||
| Q2 24 | $6.1B | — | ||
| Q1 24 | $6.0B | $25.6M |
总资产FNBREAX
| Q4 25 | $50.2B | — | ||
| Q3 25 | $49.9B | $145.2M | ||
| Q2 25 | $49.7B | $149.4M | ||
| Q1 25 | $49.0B | $100.5M | ||
| Q4 24 | $48.6B | — | ||
| Q3 24 | $48.0B | $102.5M | ||
| Q2 24 | $47.7B | — | ||
| Q1 24 | $45.9B | — |
负债/权益比FNBREAX
| Q4 25 | 0.28× | — | ||
| Q3 25 | 0.32× | — | ||
| Q2 25 | 0.41× | — | ||
| Q1 25 | 0.39× | — | ||
| Q4 24 | 0.48× | — | ||
| Q3 24 | 0.40× | — | ||
| Q2 24 | 0.33× | — | ||
| Q1 24 | 0.35× | — |
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 | $8.8M |
| 自由现金流经营现金流 - 资本支出 | $99.0M | $8.4M |
| 自由现金流率自由现金流/营收 | 27.0% | 1.5% |
| 资本支出强度资本支出/营收 | 7.9% | 0.1% |
| 现金转化率经营现金流/净利润 | 0.76× | — |
| 过去12个月自由现金流最近4个季度 | $376.0M | $71.7M |
8季度趋势，按日历期对齐
经营现金流FNBREAX
| Q4 25 | $128.0M | — | ||
| Q3 25 | $167.0M | $8.8M | ||
| Q2 25 | $123.0M | $41.0M | ||
| Q1 25 | $64.0M | $15.9M | ||
| Q4 24 | $326.0M | — | ||
| Q3 24 | $-14.0M | $7.2M | ||
| Q2 24 | $85.0M | — | ||
| Q1 24 | $245.0M | $21.5M |
自由现金流FNBREAX
| Q4 25 | $99.0M | — | ||
| Q3 25 | $149.0M | $8.4M | ||
| Q2 25 | $85.0M | $40.8M | ||
| Q1 25 | $43.0M | $15.7M | ||
| Q4 24 | $278.0M | — | ||
| Q3 24 | $-46.0M | $6.8M | ||
| Q2 24 | $55.0M | — | ||
| Q1 24 | $216.0M | $21.4M |
自由现金流率FNBREAX
| Q4 25 | 27.0% | — | ||
| Q3 25 | 41.5% | 1.5% | ||
| Q2 25 | 24.4% | 7.5% | ||
| Q1 25 | 13.3% | 4.4% | ||
| Q4 24 | 86.3% | — | ||
| Q3 24 | -14.2% | 1.8% | ||
| Q2 24 | 17.4% | — | ||
| Q1 24 | 67.7% | 10.7% |
资本支出强度FNBREAX
| Q4 25 | 7.9% | — | ||
| Q3 25 | 5.0% | 0.1% | ||
| Q2 25 | 10.9% | 0.0% | ||
| Q1 25 | 6.5% | 0.1% | ||
| Q4 24 | 14.9% | — | ||
| Q3 24 | 9.9% | 0.1% | ||
| Q2 24 | 9.5% | — | ||
| Q1 24 | 9.1% | 0.0% |
现金转化率FNBREAX
| Q4 25 | 0.76× | — | ||
| Q3 25 | 1.11× | — | ||
| Q2 25 | 0.95× | 27.13× | ||
| Q1 25 | 0.55× | — | ||
| Q4 24 | 2.96× | — | ||
| Q3 24 | -0.13× | — | ||
| Q2 24 | 0.69× | — | ||
| Q1 24 | 2.01× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
