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Finward Bancorp（FNWD）与FLEXIBLE SOLUTIONS INTERNATIONAL INC（FSI）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FLEXIBLE SOLUTIONS INTERNATIONAL INC的1.8倍（$16.5M vs $9.1M），Finward Bancorp净利率更高（12.0% vs -5.1%，领先17.1%），Finward Bancorp同比增速更快（1.1% vs -0.5%），Finward Bancorp自由现金流更多（$9.0M vs $-4.0M），过去两年FLEXIBLE SOLUTIONS INTERNATIONAL INC的营收复合增速更高（-0.6% vs -19.1%）
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。
Flexible Solutions International Inc是一家专注研发生产特种化学品的企业，核心产品包括水体蒸发抑制剂、农作物增产助剂、泳池保温剂等，服务北美及全球农业、水务领域客户。
FNWD vs FSI — 直观对比
营收规模更大
FNWD
是对方的1.8倍
$9.1M
营收增速更快
FNWD
高出1.6%
-0.5%
净利率更高
FNWD
高出17.1%
-5.1%
自由现金流更多
FNWD
多$13.1M
$-4.0M
两年增速更快
FSI
近两年复合增速
-19.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $16.5M | $9.1M |
| 净利润 | $2.0M | $-460.9K |
| 毛利率 | — | 29.4% |
| 营业利润率 | 11.0% | 11.6% |
| 净利率 | 12.0% | -5.1% |
| 营收同比 | 1.1% | -0.5% |
| 净利润同比 | -5.6% | -167.8% |
| 每股收益（稀释后） | $0.46 | $-0.03 |
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FNWDFSI
| Q4 25 | $16.5M | $9.1M | ||
| Q3 25 | $17.4M | $10.6M | ||
| Q2 25 | $16.6M | $11.4M | ||
| Q1 25 | $15.5M | $7.5M | ||
| Q4 24 | $16.3M | $9.2M | ||
| Q3 24 | $14.9M | $9.3M | ||
| Q2 24 | $14.6M | $10.5M | ||
| Q1 24 | $25.3M | $9.2M |
净利润FNWDFSI
| Q4 25 | $2.0M | $-460.9K | ||
| Q3 25 | $3.5M | $-503.4K | ||
| Q2 25 | $2.2M | $2.0M | ||
| Q1 25 | $455.0K | $-277.7K | ||
| Q4 24 | $2.1M | $679.6K | ||
| Q3 24 | $606.0K | $611.9K | ||
| Q2 24 | $143.0K | $1.3M | ||
| Q1 24 | $9.3M | $457.2K |
毛利率FNWDFSI
| Q4 25 | — | 29.4% | ||
| Q3 25 | — | 23.9% | ||
| Q2 25 | — | 47.4% | ||
| Q1 25 | — | 26.1% | ||
| Q4 24 | — | 29.2% | ||
| Q3 24 | — | 40.9% | ||
| Q2 24 | — | 37.4% | ||
| Q1 24 | — | 30.6% |
营业利润率FNWDFSI
| Q4 25 | 11.0% | 11.6% | ||
| Q3 25 | 20.5% | 2.9% | ||
| Q2 25 | 12.7% | 29.0% | ||
| Q1 25 | 4.0% | -0.9% | ||
| Q4 24 | 16.3% | 9.4% | ||
| Q3 24 | 2.7% | 20.5% | ||
| Q2 24 | 0.9% | 18.7% | ||
| Q1 24 | 40.6% | 8.3% |
净利率FNWDFSI
| Q4 25 | 12.0% | -5.1% | ||
| Q3 25 | 20.1% | -4.8% | ||
| Q2 25 | 12.9% | 17.8% | ||
| Q1 25 | 2.9% | -3.7% | ||
| Q4 24 | 12.9% | 7.4% | ||
| Q3 24 | 4.1% | 6.6% | ||
| Q2 24 | 1.0% | 12.3% | ||
| Q1 24 | 36.7% | 5.0% |
每股收益（稀释后）FNWDFSI
| Q4 25 | $0.46 | $-0.03 | ||
| Q3 25 | $0.81 | $-0.04 | ||
| Q2 25 | $0.50 | $0.15 | ||
| Q1 25 | $0.11 | $-0.02 | ||
| Q4 24 | $0.50 | $0.05 | ||
| Q3 24 | $0.14 | $0.05 | ||
| Q2 24 | $0.03 | $0.10 | ||
| Q1 24 | $2.17 | $0.04 |
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 | — | — |
| 总债务越低越好 | — | $4.4M |
| 股东权益账面价值 | $174.7M | $38.9M |
| 总资产 | $2.0B | $61.8M |
| 负债/权益比越低杠杆越低 | — | 0.11× |
8季度趋势，按日历期对齐
现金及短期投资FNWDFSI
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $10.0M | ||
| Q1 25 | — | $11.0M | ||
| Q4 24 | — | $10.0M | ||
| Q3 24 | — | $13.0M | ||
| Q2 24 | — | $9.2M | ||
| Q1 24 | — | $8.3M |
总债务FNWDFSI
| Q4 25 | — | $4.4M | ||
| Q3 25 | — | $7.1M | ||
| Q2 25 | — | $7.5M | ||
| Q1 25 | — | $8.1M | ||
| Q4 24 | — | $8.8M | ||
| Q3 24 | — | $9.4M | ||
| Q2 24 | — | $8.3M | ||
| Q1 24 | — | $8.0M |
股东权益FNWDFSI
| Q4 25 | $174.7M | $38.9M | ||
| Q3 25 | $165.5M | $39.0M | ||
| Q2 25 | $154.3M | $39.4M | ||
| Q1 25 | $151.8M | $38.4M | ||
| Q4 24 | $151.4M | $38.0M | ||
| Q3 24 | $159.6M | $36.9M | ||
| Q2 24 | $148.6M | $36.2M | ||
| Q1 24 | $151.6M | $36.0M |
总资产FNWDFSI
| Q4 25 | $2.0B | $61.8M | ||
| Q3 25 | $2.1B | $58.4M | ||
| Q2 25 | $2.1B | $58.2M | ||
| Q1 25 | $2.0B | $61.7M | ||
| Q4 24 | $2.1B | $60.0M | ||
| Q3 24 | $2.1B | $57.8M | ||
| Q2 24 | $2.1B | $56.3M | ||
| Q1 24 | $2.1B | $57.6M |
负债/权益比FNWDFSI
| Q4 25 | — | 0.11× | ||
| Q3 25 | — | 0.18× | ||
| Q2 25 | — | 0.19× | ||
| Q1 25 | — | 0.21× | ||
| Q4 24 | — | 0.23× | ||
| Q3 24 | — | 0.25× | ||
| Q2 24 | — | 0.23× | ||
| Q1 24 | — | 0.22× |
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 | $-3.0M |
| 自由现金流经营现金流 - 资本支出 | $9.0M | $-4.0M |
| 自由现金流率自由现金流/营收 | 54.8% | -44.3% |
| 资本支出强度资本支出/营收 | 5.2% | 11.7% |
| 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 | $-591.7K |
8季度趋势，按日历期对齐
经营现金流FNWDFSI
| Q4 25 | $9.9M | $-3.0M | ||
| Q3 25 | $1.2M | $2.0M | ||
| Q2 25 | $4.8M | $5.3M | ||
| Q1 25 | $-3.8M | $-544.3K | ||
| Q4 24 | $9.8M | $-2.2M | ||
| Q3 24 | $-3.7M | $2.5M | ||
| Q2 24 | $2.8M | $5.9M | ||
| Q1 24 | $-25.0K | $-604.8K |
自由现金流FNWDFSI
| Q4 25 | $9.0M | $-4.0M | ||
| Q3 25 | $1.0M | $39.4K | ||
| Q2 25 | $4.5M | $4.3M | ||
| Q1 25 | $-4.0M | $-898.4K | ||
| Q4 24 | $6.7M | $-4.3M | ||
| Q3 24 | $-4.2M | $1.3M | ||
| Q2 24 | $1.1M | $4.7M | ||
| Q1 24 | $-736.0K | $-1.1M |
自由现金流率FNWDFSI
| Q4 25 | 54.8% | -44.3% | ||
| Q3 25 | 6.0% | 0.4% | ||
| Q2 25 | 27.0% | 37.9% | ||
| Q1 25 | -25.7% | -12.0% | ||
| Q4 24 | 41.2% | -47.0% | ||
| Q3 24 | -28.5% | 13.6% | ||
| Q2 24 | 7.6% | 44.9% | ||
| Q1 24 | -2.9% | -11.7% |
资本支出强度FNWDFSI
| Q4 25 | 5.2% | 11.7% | ||
| Q3 25 | 0.9% | 18.7% | ||
| Q2 25 | 1.7% | 8.6% | ||
| Q1 25 | 1.2% | 4.7% | ||
| Q4 24 | 18.8% | 22.8% | ||
| Q3 24 | 3.4% | 13.0% | ||
| Q2 24 | 11.2% | 11.3% | ||
| Q1 24 | 2.8% | 5.2% |
现金转化率FNWDFSI
| Q4 25 | 4.99× | — | ||
| Q3 25 | 0.34× | — | ||
| Q2 25 | 2.22× | 2.60× | ||
| Q1 25 | -8.37× | — | ||
| Q4 24 | 4.66× | -3.27× | ||
| Q3 24 | -6.15× | 4.05× | ||
| Q2 24 | 19.23× | 4.59× | ||
| Q1 24 | -0.00× | -1.32× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
