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First Bancorp, Inc（FNLC）与INTERGROUP CORP（INTG）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INTERGROUP CORP的1.5倍（$25.8M vs $17.3M），First Bancorp, Inc净利率更高（39.4% vs 8.8%，领先30.6%），INTERGROUP CORP同比增速更快（19.8% vs 17.5%），First Bancorp, Inc自由现金流更多（$34.6M vs $-481.0K），过去两年First Bancorp, Inc的营收复合增速更高（18.1% vs 7.8%）
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。
Intergroup Corp是一家多元化控股企业，核心业务覆盖房地产与酒店运营两大板块。公司在美国境内持有、管理及租赁商住类物业，同时运营面向休闲和商务旅客的有限服务型酒店。
FNLC vs INTG — 直观对比
营收规模更大
FNLC
是对方的1.5倍
$17.3M
营收增速更快
INTG
高出2.3%
17.5%
净利率更高
FNLC
高出30.6%
8.8%
自由现金流更多
FNLC
多$35.1M
$-481.0K
两年增速更快
FNLC
近两年复合增速
7.8%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $25.8M | $17.3M |
| 净利润 | $10.2M | $1.5M |
| 毛利率 | — | — |
| 营业利润率 | 48.1% | 11.6% |
| 净利率 | 39.4% | 8.8% |
| 营收同比 | 17.5% | 19.8% |
| 净利润同比 | 39.7% | 155.6% |
| 每股收益（稀释后） | $0.91 | $0.71 |
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FNLCINTG
| Q4 25 | $25.8M | $17.3M | ||
| Q3 25 | $24.5M | $17.9M | ||
| Q2 25 | $22.5M | $16.2M | ||
| Q1 25 | $21.8M | $16.8M | ||
| Q4 24 | $22.0M | $14.4M | ||
| Q3 24 | $20.5M | $16.9M | ||
| Q2 24 | $19.2M | $13.4M | ||
| Q1 24 | $18.5M | $14.9M |
净利润FNLCINTG
| Q4 25 | $10.2M | $1.5M | ||
| Q3 25 | $9.1M | $-535.0K | ||
| Q2 25 | $8.1M | $-2.2M | ||
| Q1 25 | $7.1M | $-578.0K | ||
| Q4 24 | $7.3M | $-2.7M | ||
| Q3 24 | $7.6M | $-398.0K | ||
| Q2 24 | $6.2M | $-4.9M | ||
| Q1 24 | $6.0M | $-3.2M |
营业利润率FNLCINTG
| Q4 25 | 48.1% | 11.6% | ||
| Q3 25 | 45.2% | 15.3% | ||
| Q2 25 | 43.7% | 8.1% | ||
| Q1 25 | 39.3% | 14.0% | ||
| Q4 24 | 39.5% | 5.9% | ||
| Q3 24 | 44.6% | 18.5% | ||
| Q2 24 | 38.8% | 3.7% | ||
| Q1 24 | 39.3% | 4.8% |
净利率FNLCINTG
| Q4 25 | 39.4% | 8.8% | ||
| Q3 25 | 37.0% | -3.0% | ||
| Q2 25 | 35.8% | -13.9% | ||
| Q1 25 | 32.5% | -3.4% | ||
| Q4 24 | 33.1% | -18.9% | ||
| Q3 24 | 36.9% | -2.4% | ||
| Q2 24 | 32.1% | -36.7% | ||
| Q1 24 | 32.5% | -21.3% |
每股收益（稀释后）FNLCINTG
| Q4 25 | $0.91 | $0.71 | ||
| Q3 25 | $0.81 | $-0.25 | ||
| Q2 25 | $0.72 | — | ||
| Q1 25 | $0.63 | $-0.27 | ||
| Q4 24 | $0.66 | $-1.26 | ||
| Q3 24 | $0.68 | $-0.18 | ||
| Q2 24 | $0.55 | — | ||
| Q1 24 | $0.54 | $-1.44 |
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 | — | $7.5M |
| 总债务越低越好 | $95.5M | $233.2M |
| 股东权益账面价值 | $283.1M | $-85.2M |
| 总资产 | $3.2B | $101.1M |
| 负债/权益比越低杠杆越低 | 0.34× | — |
8季度趋势，按日历期对齐
现金及短期投资FNLCINTG
| Q4 25 | — | $7.5M | ||
| Q3 25 | — | $6.0M | ||
| Q2 25 | — | $6.1M | ||
| Q1 25 | — | $4.8M | ||
| Q4 24 | — | $15.4M | ||
| Q3 24 | — | $12.2M | ||
| Q2 24 | — | $11.6M | ||
| Q1 24 | — | $19.5M |
总债务FNLCINTG
| Q4 25 | $95.5M | $233.2M | ||
| Q3 25 | $95.5M | $237.8M | ||
| Q2 25 | $95.0M | $240.5M | ||
| Q1 25 | $70.0M | $241.5M | ||
| Q4 24 | $95.0M | $227.2M | ||
| Q3 24 | $95.0M | $218.1M | ||
| Q2 24 | $70.0M | $225.7M | ||
| Q1 24 | $70.0M | $225.0M |
股东权益FNLCINTG
| Q4 25 | $283.1M | $-85.2M | ||
| Q3 25 | $274.6M | $-86.7M | ||
| Q2 25 | $265.5M | $-86.1M | ||
| Q1 25 | $259.7M | $-84.5M | ||
| Q4 24 | $252.5M | $-83.9M | ||
| Q3 24 | $256.8M | $-80.9M | ||
| Q2 24 | $244.7M | $-80.3M | ||
| Q1 24 | $242.6M | $-76.4M |
总资产FNLCINTG
| Q4 25 | $3.2B | $101.1M | ||
| Q3 25 | $3.2B | $102.5M | ||
| Q2 25 | $3.2B | $104.1M | ||
| Q1 25 | $3.2B | $103.2M | ||
| Q4 24 | $3.2B | $110.6M | ||
| Q3 24 | $3.1B | $109.3M | ||
| Q2 24 | $3.1B | $107.8M | ||
| Q1 24 | $3.0B | $119.0M |
负债/权益比FNLCINTG
| Q4 25 | 0.34× | — | ||
| Q3 25 | 0.35× | — | ||
| Q2 25 | 0.36× | — | ||
| Q1 25 | 0.27× | — | ||
| Q4 24 | 0.38× | — | ||
| Q3 24 | 0.37× | — | ||
| Q2 24 | 0.29× | — | ||
| Q1 24 | 0.29× | — |
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 | $-23.0K |
| 自由现金流经营现金流 - 资本支出 | $34.6M | $-481.0K |
| 自由现金流率自由现金流/营收 | 133.9% | -2.8% |
| 资本支出强度资本支出/营收 | 12.5% | 2.6% |
| 现金转化率经营现金流/净利润 | 3.72× | -0.02× |
| 过去12个月自由现金流最近4个季度 | $55.3M | $739.0K |
8季度趋势，按日历期对齐
经营现金流FNLCINTG
| Q4 25 | $37.8M | $-23.0K | ||
| Q3 25 | $12.9M | $-296.0K | ||
| Q2 25 | $7.4M | $5.9M | ||
| Q1 25 | $2.2M | $-854.0K | ||
| Q4 24 | $26.0M | $-781.0K | ||
| Q3 24 | $9.8M | $3.4M | ||
| Q2 24 | $6.4M | $6.8M | ||
| Q1 24 | $-1.5M | $1.9M |
自由现金流FNLCINTG
| Q4 25 | $34.6M | $-481.0K | ||
| Q3 25 | $12.6M | $-1.3M | ||
| Q2 25 | $7.2M | $3.6M | ||
| Q1 25 | $828.0K | $-1.2M | ||
| Q4 24 | $24.6M | $-1.1M | ||
| Q3 24 | $9.6M | $3.1M | ||
| Q2 24 | $6.3M | $2.7M | ||
| Q1 24 | $-1.8M | $1.1M |
自由现金流率FNLCINTG
| Q4 25 | 133.9% | -2.8% | ||
| Q3 25 | 51.4% | -7.1% | ||
| Q2 25 | 32.1% | 22.5% | ||
| Q1 25 | 3.8% | -6.8% | ||
| Q4 24 | 111.7% | -7.8% | ||
| Q3 24 | 47.0% | 18.3% | ||
| Q2 24 | 32.9% | 20.4% | ||
| Q1 24 | -9.8% | 7.6% |
资本支出强度FNLCINTG
| Q4 25 | 12.5% | 2.6% | ||
| Q3 25 | 1.2% | 5.4% | ||
| Q2 25 | 0.6% | 13.9% | ||
| Q1 25 | 6.2% | 1.8% | ||
| Q4 24 | 6.7% | 2.4% | ||
| Q3 24 | 0.5% | 1.6% | ||
| Q2 24 | 0.3% | 30.4% | ||
| Q1 24 | 1.8% | 4.9% |
现金转化率FNLCINTG
| Q4 25 | 3.72× | -0.02× | ||
| Q3 25 | 1.42× | — | ||
| Q2 25 | 0.91× | — | ||
| Q1 25 | 0.31× | — | ||
| Q4 24 | 3.58× | — | ||
| Q3 24 | 1.29× | — | ||
| Q2 24 | 1.03× | — | ||
| Q1 24 | -0.25× | — |
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
INTG
| Hotel Operations | $12.7M | 73% |
| Real Estate Operation | $4.6M | 27% |
