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First Bancorp, Inc（FNLC）与Spire Global, Inc.（SPIR）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Spire Global, Inc.的1.6倍（$25.8M vs $15.8M），First Bancorp, Inc净利率更高（39.4% vs -176.6%，领先216.0%），First Bancorp, Inc同比增速更快（17.5% vs -26.9%），First Bancorp, Inc自由现金流更多（$34.6M vs $-16.2M），过去两年First Bancorp, Inc的营收复合增速更高（18.1% vs -32.6%）
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。
Spire Global, Inc.是一家天基云数据与分析服务企业，核心业务依托由大量纳米卫星组成的卫星星座，提供覆盖全球的多领域数据集追踪服务，具体包含船舶航运追踪、航空航行监控以及气象模式观测等相关业务，服务覆盖全球范围。
FNLC vs SPIR — 直观对比
营收规模更大
FNLC
是对方的1.6倍
$15.8M
营收增速更快
FNLC
高出44.5%
-26.9%
净利率更高
FNLC
高出216.0%
-176.6%
自由现金流更多
FNLC
多$50.8M
$-16.2M
两年增速更快
FNLC
近两年复合增速
-32.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.8M | $15.8M |
| 净利润 | $10.2M | $-28.0M |
| 毛利率 | — | 40.2% |
| 营业利润率 | 48.1% | -164.1% |
| 净利率 | 39.4% | -176.6% |
| 营收同比 | 17.5% | -26.9% |
| 净利润同比 | 39.7% | 42.7% |
| 每股收益（稀释后） | $0.91 | $-0.85 |
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FNLCSPIR
| Q4 25 | $25.8M | $15.8M | ||
| Q3 25 | $24.5M | $12.7M | ||
| Q2 25 | $22.5M | $19.2M | ||
| Q1 25 | $21.8M | $23.9M | ||
| Q4 24 | $22.0M | $21.7M | ||
| Q3 24 | $20.5M | $28.6M | ||
| Q2 24 | $19.2M | $25.4M | ||
| Q1 24 | $18.5M | $34.8M |
净利润FNLCSPIR
| Q4 25 | $10.2M | $-28.0M | ||
| Q3 25 | $9.1M | $-19.7M | ||
| Q2 25 | $8.1M | $119.6M | ||
| Q1 25 | $7.1M | $-20.7M | ||
| Q4 24 | $7.3M | $-48.8M | ||
| Q3 24 | $7.6M | $-12.5M | ||
| Q2 24 | $6.2M | $-16.6M | ||
| Q1 24 | $6.0M | $-25.5M |
毛利率FNLCSPIR
| Q4 25 | — | 40.2% | ||
| Q3 25 | — | 36.6% | ||
| Q2 25 | — | 48.9% | ||
| Q1 25 | — | 36.8% | ||
| Q4 24 | — | 32.4% | ||
| Q3 24 | — | 44.5% | ||
| Q2 24 | — | 43.0% | ||
| Q1 24 | — | 26.5% |
营业利润率FNLCSPIR
| Q4 25 | 48.1% | -164.1% | ||
| Q3 25 | 45.2% | -166.1% | ||
| Q2 25 | 43.7% | -122.7% | ||
| Q1 25 | 39.3% | -106.5% | ||
| Q4 24 | 39.5% | -144.1% | ||
| Q3 24 | 44.6% | -48.0% | ||
| Q2 24 | 38.8% | -48.6% | ||
| Q1 24 | 39.3% | -34.4% |
净利率FNLCSPIR
| Q4 25 | 39.4% | -176.6% | ||
| Q3 25 | 37.0% | -155.3% | ||
| Q2 25 | 35.8% | 623.4% | ||
| Q1 25 | 32.5% | -86.5% | ||
| Q4 24 | 33.1% | -225.2% | ||
| Q3 24 | 36.9% | -43.7% | ||
| Q2 24 | 32.1% | -65.2% | ||
| Q1 24 | 32.5% | -73.3% |
每股收益（稀释后）FNLCSPIR
| Q4 25 | $0.91 | $-0.85 | ||
| Q3 25 | $0.81 | $-0.61 | ||
| Q2 25 | $0.72 | $3.72 | ||
| Q1 25 | $0.63 | $-0.77 | ||
| Q4 24 | $0.66 | $-1.93 | ||
| Q3 24 | $0.68 | $-0.50 | ||
| Q2 24 | $0.55 | $-0.68 | ||
| Q1 24 | $0.54 | $-1.17 |
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 | — | $81.8M |
| 总债务越低越好 | $95.5M | — |
| 股东权益账面价值 | $283.1M | $112.9M |
| 总资产 | $3.2B | $211.0M |
| 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FNLCSPIR
| Q4 25 | — | $81.8M | ||
| Q3 25 | — | $96.8M | ||
| Q2 25 | — | $117.6M | ||
| Q1 25 | — | $35.9M | ||
| Q4 24 | — | $19.2M | ||
| Q3 24 | — | $36.6M | ||
| Q2 24 | — | $45.8M | ||
| Q1 24 | — | $63.7M |
总债务FNLCSPIR
| Q4 25 | $95.5M | — | ||
| Q3 25 | $95.5M | — | ||
| Q2 25 | $95.0M | — | ||
| Q1 25 | $70.0M | $103.7M | ||
| Q4 24 | $95.0M | $103.1M | ||
| Q3 24 | $95.0M | $4.9M | ||
| Q2 24 | $70.0M | $4.9M | ||
| Q1 24 | $70.0M | $123.1M |
股东权益FNLCSPIR
| Q4 25 | $283.1M | $112.9M | ||
| Q3 25 | $274.6M | $133.1M | ||
| Q2 25 | $265.5M | $149.2M | ||
| Q1 25 | $259.7M | $3.7M | ||
| Q4 24 | $252.5M | $-11.7M | ||
| Q3 24 | $256.8M | $30.8M | ||
| Q2 24 | $244.7M | $40.3M | ||
| Q1 24 | $242.6M | $52.5M |
总资产FNLCSPIR
| Q4 25 | $3.2B | $211.0M | ||
| Q3 25 | $3.2B | $224.3M | ||
| Q2 25 | $3.2B | $239.5M | ||
| Q1 25 | $3.2B | $208.8M | ||
| Q4 24 | $3.2B | $193.6M | ||
| Q3 24 | $3.1B | $224.2M | ||
| Q2 24 | $3.1B | $230.8M | ||
| Q1 24 | $3.0B | $252.3M |
负债/权益比FNLCSPIR
| Q4 25 | 0.34× | — | ||
| Q3 25 | 0.35× | — | ||
| Q2 25 | 0.36× | — | ||
| Q1 25 | 0.27× | 27.92× | ||
| Q4 24 | 0.38× | — | ||
| Q3 24 | 0.37× | 0.16× | ||
| Q2 24 | 0.29× | 0.12× | ||
| Q1 24 | 0.29× | 2.35× |
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 | $37.8M | $-4.3M |
| 自由现金流经营现金流 - 资本支出 | $34.6M | $-16.2M |
| 自由现金流率自由现金流/营收 | 133.9% | -102.1% |
| 资本支出强度资本支出/营收 | 12.5% | 75.1% |
| 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 | $-92.6M |
8季度趋势，按日历期对齐
经营现金流FNLCSPIR
| Q4 25 | $37.8M | $-4.3M | ||
| Q3 25 | $12.9M | $-12.0M | ||
| Q2 25 | $7.4M | $-35.1M | ||
| Q1 25 | $2.2M | $-8.4M | ||
| Q4 24 | $26.0M | $-19.2M | ||
| Q3 24 | $9.8M | $14.0M | ||
| Q2 24 | $6.4M | $-4.4M | ||
| Q1 24 | $-1.5M | $-8.8M |
自由现金流FNLCSPIR
| Q4 25 | $34.6M | $-16.2M | ||
| Q3 25 | $12.6M | $-20.4M | ||
| Q2 25 | $7.2M | $-38.7M | ||
| Q1 25 | $828.0K | $-17.3M | ||
| Q4 24 | $24.6M | $-24.3M | ||
| Q3 24 | $9.6M | $5.1M | ||
| Q2 24 | $6.3M | $-9.9M | ||
| Q1 24 | $-1.8M | $-15.9M |
自由现金流率FNLCSPIR
| Q4 25 | 133.9% | -102.1% | ||
| Q3 25 | 51.4% | -161.3% | ||
| Q2 25 | 32.1% | -201.7% | ||
| Q1 25 | 3.8% | -72.6% | ||
| Q4 24 | 111.7% | -112.2% | ||
| Q3 24 | 47.0% | 17.8% | ||
| Q2 24 | 32.9% | -39.0% | ||
| Q1 24 | -9.8% | -45.7% |
资本支出强度FNLCSPIR
| Q4 25 | 12.5% | 75.1% | ||
| Q3 25 | 1.2% | 66.2% | ||
| Q2 25 | 0.6% | 18.8% | ||
| Q1 25 | 6.2% | 37.3% | ||
| Q4 24 | 6.7% | 23.5% | ||
| Q3 24 | 0.5% | 31.2% | ||
| Q2 24 | 0.3% | 21.8% | ||
| Q1 24 | 1.8% | 20.3% |
现金转化率FNLCSPIR
| Q4 25 | 3.72× | — | ||
| Q3 25 | 1.42× | — | ||
| Q2 25 | 0.91× | -0.29× | ||
| 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
