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First Bancorp, Inc（FNLC）与Upland Software, Inc.（UPLD）财务数据对比。点击上方公司名可切换其他公司
Upland Software, Inc.的季度营收约是First Bancorp, Inc的1.9倍（$49.3M vs $25.8M），First Bancorp, Inc同比增速更快（17.5% vs -27.5%），First Bancorp, Inc自由现金流更多（$34.6M vs $7.2M），过去两年First Bancorp, Inc的营收复合增速更高（18.1% vs -16.5%）
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。
Upland Software是全球云原生企业工作管理解决方案提供商，旗下产品覆盖项目组合管理、客户互动、IT服务管理、财务流程自动化等领域，服务北美、欧洲、亚太各行业不同规模的企业客户。
FNLC vs UPLD — 直观对比
营收规模更大
UPLD
是对方的1.9倍
$25.8M
营收增速更快
FNLC
高出45.0%
-27.5%
自由现金流更多
FNLC
多$27.4M
$7.2M
两年增速更快
FNLC
近两年复合增速
-16.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.8M | $49.3M |
| 净利润 | $10.2M | — |
| 毛利率 | — | 76.5% |
| 营业利润率 | 48.1% | 14.5% |
| 净利率 | 39.4% | — |
| 营收同比 | 17.5% | -27.5% |
| 净利润同比 | 39.7% | — |
| 每股收益（稀释后） | $0.91 | $0.01 |
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FNLCUPLD
| Q4 25 | $25.8M | $49.3M | ||
| Q3 25 | $24.5M | $50.5M | ||
| Q2 25 | $22.5M | $53.4M | ||
| Q1 25 | $21.8M | $63.7M | ||
| Q4 24 | $22.0M | $68.0M | ||
| Q3 24 | $20.5M | $66.7M | ||
| Q2 24 | $19.2M | $69.3M | ||
| Q1 24 | $18.5M | $70.7M |
净利润FNLCUPLD
| Q4 25 | $10.2M | — | ||
| Q3 25 | $9.1M | $-1.1M | ||
| Q2 25 | $8.1M | $-13.0M | ||
| Q1 25 | $7.1M | $-25.8M | ||
| Q4 24 | $7.3M | — | ||
| Q3 24 | $7.6M | $-1.7M | ||
| Q2 24 | $6.2M | $-11.4M | ||
| Q1 24 | $6.0M | $-96.1M |
毛利率FNLCUPLD
| Q4 25 | — | 76.5% | ||
| Q3 25 | — | 76.9% | ||
| Q2 25 | — | 74.8% | ||
| Q1 25 | — | 71.6% | ||
| Q4 24 | — | 70.8% | ||
| Q3 24 | — | 70.5% | ||
| Q2 24 | — | 70.5% | ||
| Q1 24 | — | 70.2% |
营业利润率FNLCUPLD
| Q4 25 | 48.1% | 14.5% | ||
| Q3 25 | 45.2% | 10.6% | ||
| Q2 25 | 43.7% | -13.2% | ||
| Q1 25 | 39.3% | -1.7% | ||
| Q4 24 | 39.5% | -2.9% | ||
| Q3 24 | 44.6% | -5.0% | ||
| Q2 24 | 38.8% | -7.7% | ||
| Q1 24 | 39.3% | -129.6% |
净利率FNLCUPLD
| Q4 25 | 39.4% | — | ||
| Q3 25 | 37.0% | -2.2% | ||
| Q2 25 | 35.8% | -24.4% | ||
| Q1 25 | 32.5% | -40.6% | ||
| Q4 24 | 33.1% | — | ||
| Q3 24 | 36.9% | -2.6% | ||
| Q2 24 | 32.1% | -16.5% | ||
| Q1 24 | 32.5% | -135.9% |
每股收益（稀释后）FNLCUPLD
| Q4 25 | $0.91 | $0.01 | ||
| Q3 25 | $0.81 | $-0.09 | ||
| Q2 25 | $0.72 | $-0.51 | ||
| Q1 25 | $0.63 | $-0.97 | ||
| Q4 24 | $0.66 | $-0.30 | ||
| Q3 24 | $0.68 | $-0.12 | ||
| Q2 24 | $0.55 | $-0.47 | ||
| Q1 24 | $0.54 | $-3.37 |
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 | — | $29.4M |
| 总债务越低越好 | $95.5M | $232.4M |
| 股东权益账面价值 | $283.1M | $-48.4M |
| 总资产 | $3.2B | $413.2M |
| 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FNLCUPLD
| Q4 25 | — | $29.4M | ||
| Q3 25 | — | $22.8M | ||
| Q2 25 | — | $41.0M | ||
| Q1 25 | — | $33.7M | ||
| Q4 24 | — | $56.4M | ||
| Q3 24 | — | $59.7M | ||
| Q2 24 | — | $232.4M | ||
| Q1 24 | — | $231.6M |
总债务FNLCUPLD
| Q4 25 | $95.5M | $232.4M | ||
| Q3 25 | $95.5M | — | ||
| Q2 25 | $95.0M | — | ||
| Q1 25 | $70.0M | — | ||
| Q4 24 | $95.0M | $290.2M | ||
| Q3 24 | $95.0M | — | ||
| Q2 24 | $70.0M | — | ||
| Q1 24 | $70.0M | — |
股东权益FNLCUPLD
| Q4 25 | $283.1M | $-48.4M | ||
| Q3 25 | $274.6M | $-47.3M | ||
| Q2 25 | $265.5M | $-42.4M | ||
| Q1 25 | $259.7M | $-37.8M | ||
| Q4 24 | $252.5M | $-18.3M | ||
| Q3 24 | $256.8M | $907.0K | ||
| Q2 24 | $244.7M | $6.5M | ||
| Q1 24 | $242.6M | $20.1M |
总资产FNLCUPLD
| Q4 25 | $3.2B | $413.2M | ||
| Q3 25 | $3.2B | $409.1M | ||
| Q2 25 | $3.2B | $441.7M | ||
| Q1 25 | $3.2B | $457.0M | ||
| Q4 24 | $3.2B | $529.5M | ||
| Q3 24 | $3.1B | $554.9M | ||
| Q2 24 | $3.1B | $739.9M | ||
| Q1 24 | $3.0B | $754.9M |
负债/权益比FNLCUPLD
| 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 | $7.3M |
| 自由现金流经营现金流 - 资本支出 | $34.6M | $7.2M |
| 自由现金流率自由现金流/营收 | 133.9% | 14.7% |
| 资本支出强度资本支出/营收 | 12.5% | 0.2% |
| 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 | $24.4M |
8季度趋势，按日历期对齐
经营现金流FNLCUPLD
| Q4 25 | $37.8M | $7.3M | ||
| Q3 25 | $12.9M | $6.9M | ||
| Q2 25 | $7.4M | $3.3M | ||
| Q1 25 | $2.2M | $8.3M | ||
| Q4 24 | $26.0M | $9.3M | ||
| Q3 24 | $9.8M | $4.3M | ||
| Q2 24 | $6.4M | $5.5M | ||
| Q1 24 | $-1.5M | $5.1M |
自由现金流FNLCUPLD
| Q4 25 | $34.6M | $7.2M | ||
| Q3 25 | $12.6M | $6.7M | ||
| Q2 25 | $7.2M | $2.7M | ||
| Q1 25 | $828.0K | $7.9M | ||
| Q4 24 | $24.6M | $9.0M | ||
| Q3 24 | $9.6M | $4.2M | ||
| Q2 24 | $6.3M | $5.2M | ||
| Q1 24 | $-1.8M | $4.9M |
自由现金流率FNLCUPLD
| Q4 25 | 133.9% | 14.7% | ||
| Q3 25 | 51.4% | 13.2% | ||
| Q2 25 | 32.1% | 5.0% | ||
| Q1 25 | 3.8% | 12.4% | ||
| Q4 24 | 111.7% | 13.3% | ||
| Q3 24 | 47.0% | 6.3% | ||
| Q2 24 | 32.9% | 7.5% | ||
| Q1 24 | -9.8% | 7.0% |
资本支出强度FNLCUPLD
| Q4 25 | 12.5% | 0.2% | ||
| Q3 25 | 1.2% | 0.4% | ||
| Q2 25 | 0.6% | 1.2% | ||
| Q1 25 | 6.2% | 0.7% | ||
| Q4 24 | 6.7% | 0.5% | ||
| Q3 24 | 0.5% | 0.2% | ||
| Q2 24 | 0.3% | 0.4% | ||
| Q1 24 | 1.8% | 0.3% |
现金转化率FNLCUPLD
| Q4 25 | 3.72× | — | ||
| 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
