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First Bancorp, Inc（FNLC）与FIRST UNITED CORP（FUNC）财务数据对比。点击上方公司名可切换其他公司
First Bancorp, Inc的季度营收约是FIRST UNITED CORP的1.1倍（$25.8M vs $23.2M），First Bancorp, Inc净利率更高（39.4% vs 24.9%，领先14.5%），First Bancorp, Inc同比增速更快（17.5% vs 11.9%），First Bancorp, Inc自由现金流更多（$34.6M vs $15.4M），过去两年First Bancorp, Inc的营收复合增速更高（18.1% vs 11.5%）
第一银行公司（First Bancorp, Inc）是一家银行控股公司，其核心业务通过总部位于康涅狄格州斯坦福的爱国者国家银行（Patriot Bank NA）开展，相关 banking 业务也以PNBK代码在纳斯达克挂牌交易。
联合啤酒控股有限公司（又称UB集团）是喜力集团旗下的印度子公司，总部位于卡纳塔克邦班加罗尔的UB城。公司核心业务涵盖酒类饮品生产及多领域投资，是印度最大的啤酒生产商，主打以翠鸟为品牌的啤酒产品，同时拥有多款其他酒类品牌。
FNLC vs FUNC — 直观对比
营收规模更大
FNLC
是对方的1.1倍
$23.2M
营收增速更快
FNLC
高出5.7%
11.9%
净利率更高
FNLC
高出14.5%
24.9%
自由现金流更多
FNLC
多$19.2M
$15.4M
两年增速更快
FNLC
近两年复合增速
11.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.8M | $23.2M |
| 净利润 | $10.2M | $5.8M |
| 毛利率 | — | — |
| 营业利润率 | 48.1% | 32.9% |
| 净利率 | 39.4% | 24.9% |
| 营收同比 | 17.5% | 11.9% |
| 净利润同比 | 39.7% | -6.6% |
| 每股收益（稀释后） | $0.91 | $0.89 |
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FNLCFUNC
| Q4 25 | $25.8M | $23.2M | ||
| Q3 25 | $24.5M | $22.7M | ||
| Q2 25 | $22.5M | $21.8M | ||
| Q1 25 | $21.8M | $20.9M | ||
| Q4 24 | $22.0M | $20.8M | ||
| Q3 24 | $20.5M | $20.3M | ||
| Q2 24 | $19.2M | $20.1M | ||
| Q1 24 | $18.5M | $18.7M |
净利润FNLCFUNC
| Q4 25 | $10.2M | $5.8M | ||
| Q3 25 | $9.1M | $6.9M | ||
| Q2 25 | $8.1M | $6.0M | ||
| Q1 25 | $7.1M | $5.8M | ||
| Q4 24 | $7.3M | $6.2M | ||
| Q3 24 | $7.6M | $5.8M | ||
| Q2 24 | $6.2M | $4.9M | ||
| Q1 24 | $6.0M | $3.7M |
营业利润率FNLCFUNC
| Q4 25 | 48.1% | 32.9% | ||
| Q3 25 | 45.2% | 40.6% | ||
| Q2 25 | 43.7% | 36.5% | ||
| Q1 25 | 39.3% | 36.8% | ||
| Q4 24 | 39.5% | 39.2% | ||
| Q3 24 | 44.6% | 38.0% | ||
| Q2 24 | 38.8% | 32.5% | ||
| Q1 24 | 39.3% | 26.0% |
净利率FNLCFUNC
| Q4 25 | 39.4% | 24.9% | ||
| Q3 25 | 37.0% | 30.6% | ||
| Q2 25 | 35.8% | 27.5% | ||
| Q1 25 | 32.5% | 27.7% | ||
| Q4 24 | 33.1% | 29.8% | ||
| Q3 24 | 36.9% | 28.5% | ||
| Q2 24 | 32.1% | 24.5% | ||
| Q1 24 | 32.5% | 19.8% |
每股收益（稀释后）FNLCFUNC
| Q4 25 | $0.91 | $0.89 | ||
| Q3 25 | $0.81 | $1.07 | ||
| Q2 25 | $0.72 | $0.92 | ||
| Q1 25 | $0.63 | $0.89 | ||
| Q4 24 | $0.66 | $0.95 | ||
| Q3 24 | $0.68 | $0.89 | ||
| Q2 24 | $0.55 | $0.75 | ||
| Q1 24 | $0.54 | $0.56 |
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 | — | $131.6M |
| 总债务越低越好 | $95.5M | $95.9M |
| 股东权益账面价值 | $283.1M | $203.6M |
| 总资产 | $3.2B | $2.1B |
| 负债/权益比越低杠杆越低 | 0.34× | 0.47× |
8季度趋势，按日历期对齐
现金及短期投资FNLCFUNC
| Q4 25 | — | $131.6M | ||
| Q3 25 | — | $95.2M | ||
| Q2 25 | — | $79.1M | ||
| Q1 25 | — | $84.4M | ||
| Q4 24 | — | $78.3M | ||
| Q3 24 | — | $62.4M | ||
| Q2 24 | — | $45.1M | ||
| Q1 24 | — | $86.9M |
总债务FNLCFUNC
| Q4 25 | $95.5M | $95.9M | ||
| Q3 25 | $95.5M | $95.9M | ||
| Q2 25 | $95.0M | $120.9M | ||
| Q1 25 | $70.0M | $120.9M | ||
| Q4 24 | $95.0M | $120.9M | ||
| Q3 24 | $95.0M | $120.9M | ||
| Q2 24 | $70.0M | $70.9M | ||
| Q1 24 | $70.0M | $70.9M |
股东权益FNLCFUNC
| Q4 25 | $283.1M | $203.6M | ||
| Q3 25 | $274.6M | $199.1M | ||
| Q2 25 | $265.5M | $191.1M | ||
| Q1 25 | $259.7M | $183.7M | ||
| Q4 24 | $252.5M | $179.3M | ||
| Q3 24 | $256.8M | $174.0M | ||
| Q2 24 | $244.7M | $164.2M | ||
| Q1 24 | $242.6M | $165.5M |
总资产FNLCFUNC
| Q4 25 | $3.2B | $2.1B | ||
| Q3 25 | $3.2B | $2.0B | ||
| Q2 25 | $3.2B | $2.0B | ||
| Q1 25 | $3.2B | $2.0B | ||
| Q4 24 | $3.2B | $2.0B | ||
| Q3 24 | $3.1B | $1.9B | ||
| Q2 24 | $3.1B | $1.9B | ||
| Q1 24 | $3.0B | $1.9B |
负债/权益比FNLCFUNC
| Q4 25 | 0.34× | 0.47× | ||
| Q3 25 | 0.35× | 0.48× | ||
| Q2 25 | 0.36× | 0.63× | ||
| Q1 25 | 0.27× | 0.66× | ||
| Q4 24 | 0.38× | 0.67× | ||
| Q3 24 | 0.37× | 0.70× | ||
| Q2 24 | 0.29× | 0.43× | ||
| Q1 24 | 0.29× | 0.43× |
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 | $37.8M | $19.4M |
| 自由现金流经营现金流 - 资本支出 | $34.6M | $15.4M |
| 自由现金流率自由现金流/营收 | 133.9% | 66.3% |
| 资本支出强度资本支出/营收 | 12.5% | 17.1% |
| 现金转化率经营现金流/净利润 | 3.72× | 3.35× |
| 过去12个月自由现金流最近4个季度 | $55.3M | $22.7M |
8季度趋势，按日历期对齐
经营现金流FNLCFUNC
| Q4 25 | $37.8M | $19.4M | ||
| Q3 25 | $12.9M | $1.5M | ||
| Q2 25 | $7.4M | $995.0K | ||
| Q1 25 | $2.2M | $7.0M | ||
| Q4 24 | $26.0M | $22.3M | ||
| Q3 24 | $9.8M | $2.3M | ||
| Q2 24 | $6.4M | $7.2M | ||
| Q1 24 | $-1.5M | $3.6M |
自由现金流FNLCFUNC
| Q4 25 | $34.6M | $15.4M | ||
| Q3 25 | $12.6M | $168.0K | ||
| Q2 25 | $7.2M | $706.0K | ||
| Q1 25 | $828.0K | $6.4M | ||
| Q4 24 | $24.6M | $20.4M | ||
| Q3 24 | $9.6M | $588.0K | ||
| Q2 24 | $6.3M | $7.0M | ||
| Q1 24 | $-1.8M | $3.5M |
自由现金流率FNLCFUNC
| Q4 25 | 133.9% | 66.3% | ||
| Q3 25 | 51.4% | 0.7% | ||
| Q2 25 | 32.1% | 3.2% | ||
| Q1 25 | 3.8% | 30.5% | ||
| Q4 24 | 111.7% | 98.1% | ||
| Q3 24 | 47.0% | 2.9% | ||
| Q2 24 | 32.9% | 35.1% | ||
| Q1 24 | -9.8% | 18.9% |
资本支出强度FNLCFUNC
| Q4 25 | 12.5% | 17.1% | ||
| Q3 25 | 1.2% | 5.9% | ||
| Q2 25 | 0.6% | 1.3% | ||
| Q1 25 | 6.2% | 2.8% | ||
| Q4 24 | 6.7% | 9.3% | ||
| Q3 24 | 0.5% | 8.4% | ||
| Q2 24 | 0.3% | 0.6% | ||
| Q1 24 | 1.8% | 0.3% |
现金转化率FNLCFUNC
| Q4 25 | 3.72× | 3.35× | ||
| Q3 25 | 1.42× | 0.22× | ||
| Q2 25 | 0.91× | 0.17× | ||
| Q1 25 | 0.31× | 1.20× | ||
| Q4 24 | 3.58× | 3.60× | ||
| Q3 24 | 1.29× | 0.40× | ||
| Q2 24 | 1.03× | 1.46× | ||
| Q1 24 | -0.25× | 0.97× |
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
FNLC
暂无分部数据
FUNC
| Trust Department | $9.8M | 42% |
| Other | $5.6M | 24% |
| Debit Card Income | $4.1M | 17% |
| Service Charges | $2.3M | 10% |
| Brokerage Commissions | $1.4M | 6% |
