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First Bancorp, Inc（FNLC）与泛美白银（USAS）财务数据对比。点击上方公司名可切换其他公司
First Bancorp, Inc的季度营收约是泛美白银的1.4倍（$25.8M vs $19.1M），First Bancorp, Inc净利率更高（39.4% vs -82.3%，领先121.7%），First Bancorp, Inc同比增速更快（17.5% vs -28.0%），First Bancorp, Inc自由现金流更多（$34.6M vs $-41.3M）
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。
泛美白银是一家总部位于加拿大的矿业企业，业务布局集中在拉丁美洲，在墨西哥、秘鲁、玻利维亚、阿根廷多国持有运营矿山及其他矿产开发项目，是美洲地区重要的贵金属开采企业。
FNLC vs USAS — 直观对比
营收规模更大
FNLC
是对方的1.4倍
$19.1M
营收增速更快
FNLC
高出45.6%
-28.0%
净利率更高
FNLC
高出121.7%
-82.3%
自由现金流更多
FNLC
多$75.9M
$-41.3M
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.8M | $19.1M |
| 净利润 | $10.2M | $-15.7M |
| 毛利率 | — | 34.2% |
| 营业利润率 | 48.1% | — |
| 净利率 | 39.4% | -82.3% |
| 营收同比 | 17.5% | -28.0% |
| 净利润同比 | 39.7% | 2.8% |
| 每股收益（稀释后） | $0.91 | — |
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FNLCUSAS
| Q4 25 | $25.8M | — | ||
| Q3 25 | $24.5M | $19.1M | ||
| Q2 25 | $22.5M | — | ||
| Q1 25 | $21.8M | — | ||
| Q4 24 | $22.0M | — | ||
| Q3 24 | $20.5M | $26.5M | ||
| Q2 24 | $19.2M | — | ||
| Q1 24 | $18.5M | — |
净利润FNLCUSAS
| Q4 25 | $10.2M | — | ||
| Q3 25 | $9.1M | $-15.7M | ||
| Q2 25 | $8.1M | — | ||
| Q1 25 | $7.1M | — | ||
| Q4 24 | $7.3M | — | ||
| Q3 24 | $7.6M | $-16.2M | ||
| Q2 24 | $6.2M | — | ||
| Q1 24 | $6.0M | — |
毛利率FNLCUSAS
| Q4 25 | — | — | ||
| Q3 25 | — | 34.2% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 23.6% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
营业利润率FNLCUSAS
| Q4 25 | 48.1% | — | ||
| Q3 25 | 45.2% | — | ||
| Q2 25 | 43.7% | — | ||
| Q1 25 | 39.3% | — | ||
| Q4 24 | 39.5% | — | ||
| Q3 24 | 44.6% | — | ||
| Q2 24 | 38.8% | — | ||
| Q1 24 | 39.3% | — |
净利率FNLCUSAS
| Q4 25 | 39.4% | — | ||
| Q3 25 | 37.0% | -82.3% | ||
| Q2 25 | 35.8% | — | ||
| Q1 25 | 32.5% | — | ||
| Q4 24 | 33.1% | — | ||
| Q3 24 | 36.9% | -60.9% | ||
| Q2 24 | 32.1% | — | ||
| Q1 24 | 32.5% | — |
每股收益（稀释后）FNLCUSAS
| Q4 25 | $0.91 | — | ||
| Q3 25 | $0.81 | — | ||
| Q2 25 | $0.72 | — | ||
| Q1 25 | $0.63 | — | ||
| Q4 24 | $0.66 | — | ||
| Q3 24 | $0.68 | — | ||
| Q2 24 | $0.55 | — | ||
| Q1 24 | $0.54 | — |
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 | — | $39.1M |
| 总债务越低越好 | $95.5M | — |
| 股东权益账面价值 | $283.1M | $50.2M |
| 总资产 | $3.2B | $234.7M |
| 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FNLCUSAS
| Q4 25 | — | — | ||
| Q3 25 | — | $39.1M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
总债务FNLCUSAS
| 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FNLCUSAS
| Q4 25 | $283.1M | — | ||
| Q3 25 | $274.6M | $50.2M | ||
| Q2 25 | $265.5M | — | ||
| Q1 25 | $259.7M | — | ||
| Q4 24 | $252.5M | — | ||
| Q3 24 | $256.8M | $53.1M | ||
| Q2 24 | $244.7M | — | ||
| Q1 24 | $242.6M | — |
总资产FNLCUSAS
| Q4 25 | $3.2B | — | ||
| Q3 25 | $3.2B | $234.7M | ||
| Q2 25 | $3.2B | — | ||
| Q1 25 | $3.2B | — | ||
| Q4 24 | $3.2B | — | ||
| Q3 24 | $3.1B | — | ||
| Q2 24 | $3.1B | — | ||
| Q1 24 | $3.0B | — |
负债/权益比FNLCUSAS
| 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 | $-12.5M |
| 自由现金流经营现金流 - 资本支出 | $34.6M | $-41.3M |
| 自由现金流率自由现金流/营收 | 133.9% | -216.5% |
| 资本支出强度资本支出/营收 | 12.5% | 150.8% |
| 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 | — |
8季度趋势，按日历期对齐
经营现金流FNLCUSAS
| Q4 25 | $37.8M | — | ||
| Q3 25 | $12.9M | $-12.5M | ||
| Q2 25 | $7.4M | — | ||
| Q1 25 | $2.2M | — | ||
| Q4 24 | $26.0M | — | ||
| Q3 24 | $9.8M | $2.4M | ||
| Q2 24 | $6.4M | — | ||
| Q1 24 | $-1.5M | — |
自由现金流FNLCUSAS
| Q4 25 | $34.6M | — | ||
| Q3 25 | $12.6M | $-41.3M | ||
| Q2 25 | $7.2M | — | ||
| Q1 25 | $828.0K | — | ||
| Q4 24 | $24.6M | — | ||
| Q3 24 | $9.6M | $-11.2M | ||
| Q2 24 | $6.3M | — | ||
| Q1 24 | $-1.8M | — |
自由现金流率FNLCUSAS
| Q4 25 | 133.9% | — | ||
| Q3 25 | 51.4% | -216.5% | ||
| Q2 25 | 32.1% | — | ||
| Q1 25 | 3.8% | — | ||
| Q4 24 | 111.7% | — | ||
| Q3 24 | 47.0% | -42.2% | ||
| Q2 24 | 32.9% | — | ||
| Q1 24 | -9.8% | — |
资本支出强度FNLCUSAS
| Q4 25 | 12.5% | — | ||
| Q3 25 | 1.2% | 150.8% | ||
| Q2 25 | 0.6% | — | ||
| Q1 25 | 6.2% | — | ||
| Q4 24 | 6.7% | — | ||
| Q3 24 | 0.5% | 51.2% | ||
| Q2 24 | 0.3% | — | ||
| Q1 24 | 1.8% | — |
现金转化率FNLCUSAS
| 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
