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Finward Bancorp（FNWD）与Five Point Holdings, LLC（FPH）财务数据对比。点击上方公司名可切换其他公司
Finward Bancorp的季度营收约是Five Point Holdings, LLC的1.2倍（$16.5M vs $13.6M），Finward Bancorp净利率更高（12.0% vs -16.4%，领先28.4%），Five Point Holdings, LLC同比增速更快（3.2% vs 1.1%），过去两年Finward Bancorp的营收复合增速更高（-19.1% vs -48.5%）
Finward Bancorp是一家总部位于美国的区域性银行控股公司，主要面向本土运营区域内的个人消费者与中小企业，提供储蓄账户、各类贷款、商业融资及财富管理等零售与商业金融服务。
Five Point Holdings, LLC是美国头部房地产开发企业，主要在加利福尼亚州高需求市场打造大型总体规划综合社区，项目融合住宅、办公、零售、公共配套与休闲设施，为当地居民构建活力、可持续的宜居宜业环境。
FNWD vs FPH — 直观对比
营收规模更大
FNWD
是对方的1.2倍
$13.6M
营收增速更快
FPH
高出2.1%
1.1%
净利率更高
FNWD
高出28.4%
-16.4%
两年增速更快
FNWD
近两年复合增速
-48.5%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $16.5M | $13.6M |
| 净利润 | $2.0M | $-2.2M |
| 毛利率 | — | — |
| 营业利润率 | 11.0% | -43.5% |
| 净利率 | 12.0% | -16.4% |
| 营收同比 | 1.1% | 3.2% |
| 净利润同比 | -5.6% | -109.6% |
| 每股收益（稀释后） | $0.46 | — |
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FNWDFPH
| Q1 26 | — | $13.6M | ||
| Q4 25 | $16.5M | $75.9M | ||
| Q3 25 | $17.4M | $13.5M | ||
| Q2 25 | $16.6M | $7.5M | ||
| Q1 25 | $15.5M | $13.2M | ||
| Q4 24 | $16.3M | $159.8M | ||
| Q3 24 | $14.9M | $17.0M | ||
| Q2 24 | $14.6M | $51.2M |
净利润FNWDFPH
| Q1 26 | — | $-2.2M | ||
| Q4 25 | $2.0M | $58.7M | ||
| Q3 25 | $3.5M | $21.1M | ||
| Q2 25 | $2.2M | $3.3M | ||
| Q1 25 | $455.0K | $23.3M | ||
| Q4 24 | $2.1M | $121.0M | ||
| Q3 24 | $606.0K | $4.8M | ||
| Q2 24 | $143.0K | $14.7M |
营业利润率FNWDFPH
| Q1 26 | — | -43.5% | ||
| Q4 25 | 11.0% | 89.0% | ||
| Q3 25 | 20.5% | — | ||
| Q2 25 | 12.7% | — | ||
| Q1 25 | 4.0% | — | ||
| Q4 24 | 16.3% | 87.5% | ||
| Q3 24 | 2.7% | 83.6% | ||
| Q2 24 | 0.9% | 86.1% |
净利率FNWDFPH
| Q1 26 | — | -16.4% | ||
| Q4 25 | 12.0% | 77.3% | ||
| Q3 25 | 20.1% | 156.2% | ||
| Q2 25 | 12.9% | 44.4% | ||
| Q1 25 | 2.9% | 177.0% | ||
| Q4 24 | 12.9% | 75.7% | ||
| Q3 24 | 4.1% | 28.0% | ||
| Q2 24 | 1.0% | 28.8% |
每股收益（稀释后）FNWDFPH
| Q1 26 | — | — | ||
| Q4 25 | $0.46 | — | ||
| Q3 25 | $0.81 | — | ||
| Q2 25 | $0.50 | — | ||
| Q1 25 | $0.11 | — | ||
| Q4 24 | $0.50 | — | ||
| Q3 24 | $0.14 | — | ||
| Q2 24 | $0.03 | — |
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 | — | $332.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $174.7M | $2.3B |
| 总资产 | $2.0B | $3.2B |
| 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FNWDFPH
| Q1 26 | — | $332.6M | ||
| Q4 25 | — | $425.5M | ||
| Q3 25 | — | $351.1M | ||
| Q2 25 | — | $456.6M | ||
| Q1 25 | — | $528.3M | ||
| Q4 24 | — | $430.9M | ||
| Q3 24 | — | $224.5M | ||
| Q2 24 | — | $217.4M |
股东权益FNWDFPH
| Q1 26 | — | $2.3B | ||
| Q4 25 | $174.7M | $2.3B | ||
| Q3 25 | $165.5M | $2.3B | ||
| Q2 25 | $154.3M | $2.2B | ||
| Q1 25 | $151.8M | $2.2B | ||
| Q4 24 | $151.4M | $2.2B | ||
| Q3 24 | $159.6M | $2.0B | ||
| Q2 24 | $148.6M | $2.0B |
总资产FNWDFPH
| Q1 26 | — | $3.2B | ||
| Q4 25 | $2.0B | $3.2B | ||
| Q3 25 | $2.1B | $3.2B | ||
| Q2 25 | $2.1B | $3.2B | ||
| Q1 25 | $2.0B | $3.2B | ||
| Q4 24 | $2.1B | $3.1B | ||
| Q3 24 | $2.1B | $2.9B | ||
| Q2 24 | $2.1B | $2.9B |
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 | $9.9M | $-44.5M |
| 自由现金流经营现金流 - 资本支出 | $9.0M | — |
| 自由现金流率自由现金流/营收 | 54.8% | — |
| 资本支出强度资本支出/营收 | 5.2% | 0.0% |
| 现金转化率经营现金流/净利润 | 4.99× | — |
| 过去12个月自由现金流最近4个季度 | $10.6M | — |
8季度趋势，按日历期对齐
经营现金流FNWDFPH
| Q1 26 | — | $-44.5M | ||
| Q4 25 | $9.9M | $105.2M | ||
| Q3 25 | $1.2M | $40.4M | ||
| Q2 25 | $4.8M | $-71.6M | ||
| Q1 25 | $-3.8M | $56.7M | ||
| Q4 24 | $9.8M | $116.0M | ||
| Q3 24 | $-3.7M | $-18.0M | ||
| Q2 24 | $2.8M | $-23.2M |
自由现金流FNWDFPH
| Q1 26 | — | — | ||
| Q4 25 | $9.0M | $105.0M | ||
| Q3 25 | $1.0M | — | ||
| Q2 25 | $4.5M | $-71.7M | ||
| Q1 25 | $-4.0M | $56.7M | ||
| Q4 24 | $6.7M | $115.2M | ||
| Q3 24 | $-4.2M | $-18.2M | ||
| Q2 24 | $1.1M | $-23.6M |
自由现金流率FNWDFPH
| Q1 26 | — | — | ||
| Q4 25 | 54.8% | 138.4% | ||
| Q3 25 | 6.0% | — | ||
| Q2 25 | 27.0% | -959.3% | ||
| Q1 25 | -25.7% | 430.9% | ||
| Q4 24 | 41.2% | 72.1% | ||
| Q3 24 | -28.5% | -106.9% | ||
| Q2 24 | 7.6% | -46.1% |
资本支出强度FNWDFPH
| Q1 26 | — | 0.0% | ||
| Q4 25 | 5.2% | 0.3% | ||
| Q3 25 | 0.9% | 0.0% | ||
| Q2 25 | 1.7% | 0.8% | ||
| Q1 25 | 1.2% | 0.3% | ||
| Q4 24 | 18.8% | 0.5% | ||
| Q3 24 | 3.4% | 1.3% | ||
| Q2 24 | 11.2% | 0.7% |
现金转化率FNWDFPH
| Q1 26 | — | — | ||
| Q4 25 | 4.99× | 1.79× | ||
| Q3 25 | 0.34× | 1.92× | ||
| Q2 25 | 2.22× | -21.58× | ||
| Q1 25 | -8.37× | 2.44× | ||
| Q4 24 | 4.66× | 0.96× | ||
| Q3 24 | -6.15× | -3.77× | ||
| Q2 24 | 19.23× | -1.58× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
