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First Bancorp, Inc（FNLC）与SOUTHERN FIRST BANCSHARES INC（SFST）财务数据对比。点击上方公司名可切换其他公司
SOUTHERN FIRST BANCSHARES INC的季度营收约是First Bancorp, Inc的1.2倍（$31.8M vs $25.8M），SOUTHERN FIRST BANCSHARES INC同比增速更快（26.1% vs 17.5%），First Bancorp, Inc自由现金流更多（$34.6M vs $29.9M），过去两年SOUTHERN FIRST BANCSHARES INC的营收复合增速更高（22.2% 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。
第一社区银行股份公司是一家美国银行控股公司，为弗吉尼亚州布卢菲尔德第一社区银行的母公司。截至2012年，该公司旗下银行在弗吉尼亚、西弗吉尼亚和北卡罗来纳共设有45个网点，另有2个网点以人民社区银行名义在田纳西州运营，截至2023年4月，公司总资产达36亿美元。
FNLC vs SFST — 直观对比
营收规模更大
SFST
是对方的1.2倍
$25.8M
营收增速更快
SFST
高出8.6%
17.5%
自由现金流更多
FNLC
多$4.7M
$29.9M
两年增速更快
SFST
近两年复合增速
18.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.8M | $31.8M |
| 净利润 | $10.2M | — |
| 毛利率 | — | — |
| 营业利润率 | 48.1% | 40.1% |
| 净利率 | 39.4% | — |
| 营收同比 | 17.5% | 26.1% |
| 净利润同比 | 39.7% | — |
| 每股收益（稀释后） | $0.91 | $1.19 |
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FNLCSFST
| Q4 25 | $25.8M | $31.8M | ||
| Q3 25 | $24.5M | $31.1M | ||
| Q2 25 | $22.5M | $28.6M | ||
| Q1 25 | $21.8M | $26.5M | ||
| Q4 24 | $22.0M | $25.2M | ||
| Q3 24 | $20.5M | $23.8M | ||
| Q2 24 | $19.2M | $23.1M | ||
| Q1 24 | $18.5M | $21.3M |
净利润FNLCSFST
| Q4 25 | $10.2M | — | ||
| Q3 25 | $9.1M | $8.7M | ||
| Q2 25 | $8.1M | $6.6M | ||
| Q1 25 | $7.1M | $5.3M | ||
| Q4 24 | $7.3M | — | ||
| Q3 24 | $7.6M | $4.4M | ||
| Q2 24 | $6.2M | $3.0M | ||
| Q1 24 | $6.0M | $2.5M |
营业利润率FNLCSFST
| Q4 25 | 48.1% | 40.1% | ||
| Q3 25 | 45.2% | 36.4% | ||
| Q2 25 | 43.7% | 30.0% | ||
| Q1 25 | 39.3% | 26.1% | ||
| Q4 24 | 39.5% | 27.3% | ||
| Q3 24 | 44.6% | 24.1% | ||
| Q2 24 | 38.8% | 17.0% | ||
| Q1 24 | 39.3% | 15.9% |
净利率FNLCSFST
| Q4 25 | 39.4% | — | ||
| Q3 25 | 37.0% | 27.8% | ||
| Q2 25 | 35.8% | 23.0% | ||
| Q1 25 | 32.5% | 19.9% | ||
| Q4 24 | 33.1% | — | ||
| Q3 24 | 36.9% | 18.4% | ||
| Q2 24 | 32.1% | 13.0% | ||
| Q1 24 | 32.5% | 11.8% |
每股收益（稀释后）FNLCSFST
| Q4 25 | $0.91 | $1.19 | ||
| Q3 25 | $0.81 | $1.07 | ||
| Q2 25 | $0.72 | $0.81 | ||
| Q1 25 | $0.63 | $0.65 | ||
| Q4 24 | $0.66 | $0.69 | ||
| Q3 24 | $0.68 | $0.54 | ||
| Q2 24 | $0.55 | $0.37 | ||
| Q1 24 | $0.54 | $0.31 |
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 | — |
| 股东权益账面价值 | $283.1M | $368.7M |
| 总资产 | $3.2B | $4.4B |
| 负债/权益比越低杠杆越低 | 0.34× | — |
8季度趋势，按日历期对齐
总债务FNLCSFST
| Q4 25 | $95.5M | — | ||
| Q3 25 | $95.5M | — | ||
| Q2 25 | $95.0M | — | ||
| Q1 25 | $70.0M | — | ||
| Q4 24 | $95.0M | — | ||
| Q3 24 | $95.0M | — | ||
| Q2 24 | $70.0M | — | ||
| Q1 24 | $70.0M | — |
股东权益FNLCSFST
| Q4 25 | $283.1M | $368.7M | ||
| Q3 25 | $274.6M | $356.3M | ||
| Q2 25 | $265.5M | $345.5M | ||
| Q1 25 | $259.7M | $337.6M | ||
| Q4 24 | $252.5M | $330.4M | ||
| Q3 24 | $256.8M | $326.5M | ||
| Q2 24 | $244.7M | $318.7M | ||
| Q1 24 | $242.6M | $315.3M |
总资产FNLCSFST
| Q4 25 | $3.2B | $4.4B | ||
| Q3 25 | $3.2B | $4.4B | ||
| Q2 25 | $3.2B | $4.3B | ||
| Q1 25 | $3.2B | $4.3B | ||
| Q4 24 | $3.2B | $4.1B | ||
| Q3 24 | $3.1B | $4.2B | ||
| Q2 24 | $3.1B | $4.1B | ||
| Q1 24 | $3.0B | $4.1B |
负债/权益比FNLCSFST
| 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 | $30.5M |
| 自由现金流经营现金流 - 资本支出 | $34.6M | $29.9M |
| 自由现金流率自由现金流/营收 | 133.9% | 93.8% |
| 资本支出强度资本支出/营收 | 12.5% | 1.8% |
| 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 | $62.1M |
8季度趋势，按日历期对齐
经营现金流FNLCSFST
| Q4 25 | $37.8M | $30.5M | ||
| Q3 25 | $12.9M | $14.5M | ||
| Q2 25 | $7.4M | $10.5M | ||
| Q1 25 | $2.2M | $7.6M | ||
| Q4 24 | $26.0M | $25.6M | ||
| Q3 24 | $9.8M | $26.3M | ||
| Q2 24 | $6.4M | $4.0M | ||
| Q1 24 | $-1.5M | $-2.9M |
自由现金流FNLCSFST
| Q4 25 | $34.6M | $29.9M | ||
| Q3 25 | $12.6M | $14.4M | ||
| Q2 25 | $7.2M | $10.4M | ||
| Q1 25 | $828.0K | $7.4M | ||
| Q4 24 | $24.6M | $24.8M | ||
| Q3 24 | $9.6M | $26.1M | ||
| Q2 24 | $6.3M | $3.9M | ||
| Q1 24 | $-1.8M | $-3.2M |
自由现金流率FNLCSFST
| Q4 25 | 133.9% | 93.8% | ||
| Q3 25 | 51.4% | 46.3% | ||
| Q2 25 | 32.1% | 36.3% | ||
| Q1 25 | 3.8% | 28.1% | ||
| Q4 24 | 111.7% | 98.2% | ||
| Q3 24 | 47.0% | 110.0% | ||
| Q2 24 | 32.9% | 16.8% | ||
| Q1 24 | -9.8% | -15.0% |
资本支出强度FNLCSFST
| Q4 25 | 12.5% | 1.8% | ||
| Q3 25 | 1.2% | 0.3% | ||
| Q2 25 | 0.6% | 0.3% | ||
| Q1 25 | 6.2% | 0.5% | ||
| Q4 24 | 6.7% | 3.1% | ||
| Q3 24 | 0.5% | 0.8% | ||
| Q2 24 | 0.3% | 0.4% | ||
| Q1 24 | 1.8% | 1.3% |
现金转化率FNLCSFST
| Q4 25 | 3.72× | — | ||
| Q3 25 | 1.42× | 1.67× | ||
| Q2 25 | 0.91× | 1.59× | ||
| Q1 25 | 0.31× | 1.44× | ||
| Q4 24 | 3.58× | — | ||
| Q3 24 | 1.29× | 6.01× | ||
| Q2 24 | 1.03× | 1.32× | ||
| Q1 24 | -0.25× | -1.16× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
