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First Northwest Bancorp（FNWB）与美国合众银行（SMBC）财务数据对比。点击上方公司名可切换其他公司
美国合众银行的季度营收约是First Northwest Bancorp的2.9倍（$42.9M vs $14.7M）。美国合众银行净利率更高（42.3% vs 2.6%，领先39.7%）。美国合众银行同比增速更快（12.4% vs 3.9%）。过去两年美国合众银行的营收复合增速更高（11.5% vs 2.7%）
第一西北 Bancorp 相关主体前身为伊利诺伊州乔利埃特的金融机构，发展后业务覆盖芝加哥多个郊区、印第安纳州西北部、伊利诺伊州南部、威斯康星州东南部，以及包含爱荷华州的阔德城地区，旗下第一中西部银行是美国规模较大的银行业机构之一，总部位于伊利诺伊州芝加哥奥黑尔机场东侧。
美国合众银行是一家总部位于明尼苏达州明尼阿波利斯、在特拉华州注册的美国跨国银行机构，截至2025年是美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的银行，旗下核心经营实体美国银行全国协会以U.S. Bank名义开展业务，提供银行、投资、抵押等相关金融服务。
FNWB vs SMBC — 直观对比
营收规模更大
SMBC
是对方的2.9倍
$14.7M
营收增速更快
SMBC
高出8.5%
3.9%
净利率更高
SMBC
高出39.7%
2.6%
两年增速更快
SMBC
近两年复合增速
2.7%
损益表 — Q4 2025 vs Q2 2026
| 指标 | | |
|---|---|---|
| 营收 | $14.7M | $42.9M |
| 净利润 | $382.0K | $18.1M |
| 毛利率 | — | — |
| 营业利润率 | 6.2% | 52.9% |
| 净利率 | 2.6% | 42.3% |
| 营收同比 | 3.9% | 12.4% |
| 净利润同比 | 113.6% | 23.9% |
| 每股收益（稀释后） | $0.04 | $1.62 |
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FNWBSMBC
| Q4 25 | $14.7M | $42.9M | ||
| Q3 25 | $14.6M | $42.4M | ||
| Q2 25 | $14.2M | $40.3M | ||
| Q1 25 | $13.8M | $39.5M | ||
| Q4 24 | $14.1M | $38.1M | ||
| Q3 24 | $14.0M | $36.7M | ||
| Q2 24 | $14.2M | $35.1M | ||
| Q1 24 | $13.9M | $34.5M |
净利润FNWBSMBC
| Q4 25 | $382.0K | $18.1M | ||
| Q3 25 | $802.0K | $15.7M | ||
| Q2 25 | $3.7M | $15.8M | ||
| Q1 25 | $-9.0M | $15.7M | ||
| Q4 24 | $-2.8M | $14.7M | ||
| Q3 24 | $-2.0M | $12.5M | ||
| Q2 24 | $-2.2M | $13.5M | ||
| Q1 24 | $396.0K | $11.3M |
营业利润率FNWBSMBC
| Q4 25 | 6.2% | 52.9% | ||
| Q3 25 | -1.0% | 45.8% | ||
| Q2 25 | 27.9% | 47.4% | ||
| Q1 25 | -73.4% | 50.2% | ||
| Q4 24 | -17.3% | 50.3% | ||
| Q3 24 | -22.7% | 43.2% | ||
| Q2 24 | -19.4% | 48.3% | ||
| Q1 24 | 6.1% | 41.0% |
净利率FNWBSMBC
| Q4 25 | 2.6% | 42.3% | ||
| Q3 25 | 5.5% | 36.9% | ||
| Q2 25 | 25.8% | 39.1% | ||
| Q1 25 | -65.3% | 39.7% | ||
| Q4 24 | -19.9% | 38.4% | ||
| Q3 24 | -14.1% | 34.0% | ||
| Q2 24 | -15.6% | 38.6% | ||
| Q1 24 | 2.8% | 32.8% |
每股收益（稀释后）FNWBSMBC
| Q4 25 | $0.04 | $1.62 | ||
| Q3 25 | $0.09 | $1.38 | ||
| Q2 25 | $0.42 | $1.39 | ||
| Q1 25 | $-1.03 | $1.39 | ||
| Q4 24 | $-0.31 | $1.30 | ||
| Q3 24 | $-0.23 | $1.10 | ||
| Q2 24 | $-0.25 | $1.20 | ||
| Q1 24 | $0.04 | $0.99 |
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 | — | $134.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $157.3M | $567.4M |
| 总资产 | $2.1B | $5.1B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资FNWBSMBC
| Q4 25 | — | $134.1M | ||
| Q3 25 | — | $124.1M | ||
| Q2 25 | — | $192.9M | ||
| Q1 25 | — | $226.9M | ||
| Q4 24 | — | $145.8M | ||
| Q3 24 | — | $75.3M | ||
| Q2 24 | — | $60.9M | ||
| Q1 24 | — | $168.3M |
股东权益FNWBSMBC
| Q4 25 | $157.3M | $567.4M | ||
| Q3 25 | $154.5M | $560.2M | ||
| Q2 25 | $149.7M | $544.7M | ||
| Q1 25 | $146.5M | $528.8M | ||
| Q4 24 | $153.9M | $512.4M | ||
| Q3 24 | $160.8M | $505.6M | ||
| Q2 24 | $158.9M | $488.7M | ||
| Q1 24 | $160.5M | $479.6M |
总资产FNWBSMBC
| Q4 25 | $2.1B | $5.1B | ||
| Q3 25 | $2.1B | $5.0B | ||
| Q2 25 | $2.2B | $5.0B | ||
| Q1 25 | $2.2B | $5.0B | ||
| Q4 24 | $2.2B | $4.9B | ||
| Q3 24 | $2.3B | $4.7B | ||
| Q2 24 | $2.2B | $4.6B | ||
| Q1 24 | $2.2B | $4.6B |
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 | $10.3M | $21.3M |
| 自由现金流经营现金流 - 资本支出 | — | $20.2M |
| 自由现金流率自由现金流/营收 | — | 47.0% |
| 资本支出强度资本支出/营收 | — | 2.6% |
| 现金转化率经营现金流/净利润 | 26.94× | 1.17× |
| 过去12个月自由现金流最近4个季度 | — | $84.1M |
8季度趋势，按日历期对齐
经营现金流FNWBSMBC
| Q4 25 | $10.3M | $21.3M | ||
| Q3 25 | $4.7M | $16.3M | ||
| Q2 25 | $4.0M | $27.3M | ||
| Q1 25 | $-21.7M | $24.1M | ||
| Q4 24 | $12.5M | $20.1M | ||
| Q3 24 | $1.2M | $10.0M | ||
| Q2 24 | $8.1M | $15.2M | ||
| Q1 24 | $-4.9M | $23.9M |
自由现金流FNWBSMBC
| Q4 25 | — | $20.2M | ||
| Q3 25 | — | $15.4M | ||
| Q2 25 | — | $25.8M | ||
| Q1 25 | — | $22.7M | ||
| Q4 24 | — | $18.2M | ||
| Q3 24 | — | $8.6M | ||
| Q2 24 | — | $13.3M | ||
| Q1 24 | $-5.0M | $19.6M |
自由现金流率FNWBSMBC
| Q4 25 | — | 47.0% | ||
| Q3 25 | — | 36.3% | ||
| Q2 25 | — | 64.1% | ||
| Q1 25 | — | 57.6% | ||
| Q4 24 | — | 47.6% | ||
| Q3 24 | — | 23.4% | ||
| Q2 24 | — | 37.9% | ||
| Q1 24 | -35.7% | 56.7% |
资本支出强度FNWBSMBC
| Q4 25 | — | 2.6% | ||
| Q3 25 | — | 2.1% | ||
| Q2 25 | — | 3.7% | ||
| Q1 25 | — | 3.5% | ||
| Q4 24 | — | 5.2% | ||
| Q3 24 | — | 3.9% | ||
| Q2 24 | — | 5.5% | ||
| Q1 24 | 0.8% | 12.5% |
现金转化率FNWBSMBC
| Q4 25 | 26.94× | 1.17× | ||
| Q3 25 | 5.89× | 1.04× | ||
| Q2 25 | 1.08× | 1.73× | ||
| Q1 25 | — | 1.54× | ||
| Q4 24 | — | 1.37× | ||
| Q3 24 | — | 0.80× | ||
| Q2 24 | — | 1.12× | ||
| Q1 24 | -12.29× | 2.11× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
