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First Bancorp, Inc（FNLC）与Maison Solutions Inc.（MSS）财务数据对比。点击上方公司名可切换其他公司
Maison Solutions Inc.的季度营收约是First Bancorp, Inc的1.1倍（$27.6M vs $25.8M），First Bancorp, Inc净利率更高（39.4% vs -18.0%，领先57.3%），First Bancorp, Inc同比增速更快（17.5% vs -10.9%），过去两年Maison Solutions Inc.的营收复合增速更高（42.5% vs 18.1%）
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。
Maison Solutions Inc.是一家专注于家居零售的企业，主要运营市场位于中国粤港澳大湾区，面向大众消费者提供高性价比的时尚家具、家居装饰用品及日常家用百货，同时布局线下实体门店与线上电商销售渠道。
FNLC vs MSS — 直观对比
营收规模更大
MSS
是对方的1.1倍
$25.8M
营收增速更快
FNLC
高出28.5%
-10.9%
净利率更高
FNLC
高出57.3%
-18.0%
两年增速更快
MSS
近两年复合增速
18.1%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $25.8M | $27.6M |
| 净利润 | $10.2M | $-5.0M |
| 毛利率 | — | 23.4% |
| 营业利润率 | 48.1% | -4.9% |
| 净利率 | 39.4% | -18.0% |
| 营收同比 | 17.5% | -10.9% |
| 净利润同比 | 39.7% | -1840.5% |
| 每股收益（稀释后） | $0.91 | $-0.23 |
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FNLCMSS
| Q4 25 | $25.8M | $27.6M | ||
| Q3 25 | $24.5M | $27.2M | ||
| Q2 25 | $22.5M | $34.4M | ||
| Q1 25 | $21.8M | $32.3M | ||
| Q4 24 | $22.0M | $29.4M | ||
| Q3 24 | $20.5M | $28.2M | ||
| Q2 24 | $19.2M | $16.9M | ||
| Q1 24 | $18.5M | $13.6M |
净利润FNLCMSS
| Q4 25 | $10.2M | $-5.0M | ||
| Q3 25 | $9.1M | $-1.5M | ||
| Q2 25 | $8.1M | $-287.4K | ||
| Q1 25 | $7.1M | $1.0M | ||
| Q4 24 | $7.3M | $-256.0K | ||
| Q3 24 | $7.6M | $700.9K | ||
| Q2 24 | $6.2M | $-2.8M | ||
| Q1 24 | $6.0M | $-549.0K |
毛利率FNLCMSS
| Q4 25 | — | 23.4% | ||
| Q3 25 | — | 24.1% | ||
| Q2 25 | — | 9.5% | ||
| Q1 25 | — | 21.8% | ||
| Q4 24 | — | 26.9% | ||
| Q3 24 | — | 28.9% | ||
| Q2 24 | — | 13.0% | ||
| Q1 24 | — | 23.4% |
营业利润率FNLCMSS
| Q4 25 | 48.1% | -4.9% | ||
| Q3 25 | 45.2% | 0.7% | ||
| Q2 25 | 43.7% | -15.9% | ||
| Q1 25 | 39.3% | 3.7% | ||
| Q4 24 | 39.5% | 3.2% | ||
| Q3 24 | 44.6% | 7.3% | ||
| Q2 24 | 38.8% | -14.4% | ||
| Q1 24 | 39.3% | -2.3% |
净利率FNLCMSS
| Q4 25 | 39.4% | -18.0% | ||
| Q3 25 | 37.0% | -5.7% | ||
| Q2 25 | 35.8% | -0.8% | ||
| Q1 25 | 32.5% | 3.1% | ||
| Q4 24 | 33.1% | -0.9% | ||
| Q3 24 | 36.9% | 2.5% | ||
| Q2 24 | 32.1% | -16.4% | ||
| Q1 24 | 32.5% | -4.0% |
每股收益（稀释后）FNLCMSS
| Q4 25 | $0.91 | $-0.23 | ||
| Q3 25 | $0.81 | $-0.08 | ||
| Q2 25 | $0.72 | $-0.02 | ||
| Q1 25 | $0.63 | $0.06 | ||
| Q4 24 | $0.66 | $-0.01 | ||
| Q3 24 | $0.68 | $0.04 | ||
| Q2 24 | $0.55 | $-0.16 | ||
| Q1 24 | $0.54 | $-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 | — | — |
| 总债务越低越好 | $95.5M | $2.6M |
| 股东权益账面价值 | $283.1M | $11.6M |
| 总资产 | $3.2B | $75.4M |
| 负债/权益比越低杠杆越低 | 0.34× | 0.22× |
8季度趋势，按日历期对齐
现金及短期投资FNLCMSS
| Q4 25 | — | — | ||
| Q3 25 | — | $1.1M | ||
| Q2 25 | — | $775.4K | ||
| Q1 25 | — | $445.4K | ||
| Q4 24 | — | $355.7K | ||
| Q3 24 | — | $588.9K | ||
| Q2 24 | — | $2.1M | ||
| Q1 24 | — | $9.4M |
总债务FNLCMSS
| Q4 25 | $95.5M | $2.6M | ||
| Q3 25 | $95.5M | $2.6M | ||
| Q2 25 | $95.0M | $2.6M | ||
| Q1 25 | $70.0M | — | ||
| Q4 24 | $95.0M | — | ||
| Q3 24 | $95.0M | $2.5M | ||
| Q2 24 | $70.0M | $2.6M | ||
| Q1 24 | $70.0M | $2.6M |
股东权益FNLCMSS
| Q4 25 | $283.1M | $11.6M | ||
| Q3 25 | $274.6M | $10.1M | ||
| Q2 25 | $265.5M | $11.7M | ||
| Q1 25 | $259.7M | $12.0M | ||
| Q4 24 | $252.5M | $10.9M | ||
| Q3 24 | $256.8M | $11.2M | ||
| Q2 24 | $244.7M | $10.5M | ||
| Q1 24 | $242.6M | $13.3M |
总资产FNLCMSS
| Q4 25 | $3.2B | $75.4M | ||
| Q3 25 | $3.2B | $73.3M | ||
| Q2 25 | $3.2B | $77.4M | ||
| Q1 25 | $3.2B | $82.7M | ||
| Q4 24 | $3.2B | $82.7M | ||
| Q3 24 | $3.1B | $82.1M | ||
| Q2 24 | $3.1B | $82.4M | ||
| Q1 24 | $3.0B | $44.2M |
负债/权益比FNLCMSS
| Q4 25 | 0.34× | 0.22× | ||
| Q3 25 | 0.35× | 0.26× | ||
| Q2 25 | 0.36× | 0.22× | ||
| Q1 25 | 0.27× | — | ||
| Q4 24 | 0.38× | — | ||
| Q3 24 | 0.37× | 0.23× | ||
| Q2 24 | 0.29× | 0.24× | ||
| Q1 24 | 0.29× | 0.19× |
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 | $-1.7M |
| 自由现金流经营现金流 - 资本支出 | $34.6M | — |
| 自由现金流率自由现金流/营收 | 133.9% | — |
| 资本支出强度资本支出/营收 | 12.5% | — |
| 现金转化率经营现金流/净利润 | 3.72× | — |
| 过去12个月自由现金流最近4个季度 | $55.3M | — |
8季度趋势，按日历期对齐
经营现金流FNLCMSS
| Q4 25 | $37.8M | $-1.7M | ||
| Q3 25 | $12.9M | $1.1M | ||
| Q2 25 | $7.4M | $-1.6M | ||
| Q1 25 | $2.2M | $1.7M | ||
| Q4 24 | $26.0M | $1.1M | ||
| Q3 24 | $9.8M | $3.6M | ||
| Q2 24 | $6.4M | $-2.6M | ||
| Q1 24 | $-1.5M | $-1.4M |
自由现金流FNLCMSS
| Q4 25 | $34.6M | — | ||
| Q3 25 | $12.6M | — | ||
| Q2 25 | $7.2M | — | ||
| Q1 25 | $828.0K | — | ||
| Q4 24 | $24.6M | — | ||
| Q3 24 | $9.6M | — | ||
| Q2 24 | $6.3M | — | ||
| Q1 24 | $-1.8M | — |
自由现金流率FNLCMSS
| Q4 25 | 133.9% | — | ||
| Q3 25 | 51.4% | — | ||
| Q2 25 | 32.1% | — | ||
| Q1 25 | 3.8% | — | ||
| Q4 24 | 111.7% | — | ||
| Q3 24 | 47.0% | — | ||
| Q2 24 | 32.9% | — | ||
| Q1 24 | -9.8% | — |
资本支出强度FNLCMSS
| Q4 25 | 12.5% | — | ||
| Q3 25 | 1.2% | — | ||
| Q2 25 | 0.6% | — | ||
| Q1 25 | 6.2% | — | ||
| Q4 24 | 6.7% | — | ||
| Q3 24 | 0.5% | — | ||
| Q2 24 | 0.3% | — | ||
| Q1 24 | 1.8% | — |
现金转化率FNLCMSS
| Q4 25 | 3.72× | — | ||
| Q3 25 | 1.42× | — | ||
| Q2 25 | 0.91× | — | ||
| Q1 25 | 0.31× | 1.66× | ||
| Q4 24 | 3.58× | — | ||
| Q3 24 | 1.29× | 5.12× | ||
| 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
MSS
| Perishables | $14.4M | 52% |
| Nonperishables | $13.2M | 48% |
