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Finward Bancorp（FNWD）与INTERGROUP CORP（INTG）财务数据对比。点击上方公司名可切换其他公司
INTERGROUP CORP的季度营收约是Finward Bancorp的1.0倍（$17.3M vs $16.5M），Finward Bancorp净利率更高（12.0% vs 8.8%，领先3.3%），INTERGROUP CORP同比增速更快（19.8% vs 1.1%），Finward Bancorp自由现金流更多（$9.0M vs $-481.0K），过去两年INTERGROUP CORP的营收复合增速更高（7.8% 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。
Intergroup Corp是一家多元化控股企业，核心业务覆盖房地产与酒店运营两大板块。公司在美国境内持有、管理及租赁商住类物业，同时运营面向休闲和商务旅客的有限服务型酒店。
FNWD vs INTG — 直观对比
营收规模更大
INTG
是对方的1.0倍
$16.5M
营收增速更快
INTG
高出18.7%
1.1%
净利率更高
FNWD
高出3.3%
8.8%
自由现金流更多
FNWD
多$9.5M
$-481.0K
两年增速更快
INTG
近两年复合增速
-19.1%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $16.5M | $17.3M |
| 净利润 | $2.0M | $1.5M |
| 毛利率 | — | — |
| 营业利润率 | 11.0% | 11.6% |
| 净利率 | 12.0% | 8.8% |
| 营收同比 | 1.1% | 19.8% |
| 净利润同比 | -5.6% | 155.6% |
| 每股收益（稀释后） | $0.46 | $0.71 |
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FNWDINTG
| Q4 25 | $16.5M | $17.3M | ||
| Q3 25 | $17.4M | $17.9M | ||
| Q2 25 | $16.6M | $16.2M | ||
| Q1 25 | $15.5M | $16.8M | ||
| Q4 24 | $16.3M | $14.4M | ||
| Q3 24 | $14.9M | $16.9M | ||
| Q2 24 | $14.6M | $13.4M | ||
| Q1 24 | $25.3M | $14.9M |
净利润FNWDINTG
| Q4 25 | $2.0M | $1.5M | ||
| Q3 25 | $3.5M | $-535.0K | ||
| Q2 25 | $2.2M | $-2.2M | ||
| Q1 25 | $455.0K | $-578.0K | ||
| Q4 24 | $2.1M | $-2.7M | ||
| Q3 24 | $606.0K | $-398.0K | ||
| Q2 24 | $143.0K | $-4.9M | ||
| Q1 24 | $9.3M | $-3.2M |
营业利润率FNWDINTG
| Q4 25 | 11.0% | 11.6% | ||
| Q3 25 | 20.5% | 15.3% | ||
| Q2 25 | 12.7% | 8.1% | ||
| Q1 25 | 4.0% | 14.0% | ||
| Q4 24 | 16.3% | 5.9% | ||
| Q3 24 | 2.7% | 18.5% | ||
| Q2 24 | 0.9% | 3.7% | ||
| Q1 24 | 40.6% | 4.8% |
净利率FNWDINTG
| Q4 25 | 12.0% | 8.8% | ||
| Q3 25 | 20.1% | -3.0% | ||
| Q2 25 | 12.9% | -13.9% | ||
| Q1 25 | 2.9% | -3.4% | ||
| Q4 24 | 12.9% | -18.9% | ||
| Q3 24 | 4.1% | -2.4% | ||
| Q2 24 | 1.0% | -36.7% | ||
| Q1 24 | 36.7% | -21.3% |
每股收益（稀释后）FNWDINTG
| Q4 25 | $0.46 | $0.71 | ||
| Q3 25 | $0.81 | $-0.25 | ||
| Q2 25 | $0.50 | — | ||
| Q1 25 | $0.11 | $-0.27 | ||
| Q4 24 | $0.50 | $-1.26 | ||
| Q3 24 | $0.14 | $-0.18 | ||
| Q2 24 | $0.03 | — | ||
| Q1 24 | $2.17 | $-1.44 |
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 | — | $7.5M |
| 总债务越低越好 | — | $233.2M |
| 股东权益账面价值 | $174.7M | $-85.2M |
| 总资产 | $2.0B | $101.1M |
| 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FNWDINTG
| Q4 25 | — | $7.5M | ||
| Q3 25 | — | $6.0M | ||
| Q2 25 | — | $6.1M | ||
| Q1 25 | — | $4.8M | ||
| Q4 24 | — | $15.4M | ||
| Q3 24 | — | $12.2M | ||
| Q2 24 | — | $11.6M | ||
| Q1 24 | — | $19.5M |
总债务FNWDINTG
| Q4 25 | — | $233.2M | ||
| Q3 25 | — | $237.8M | ||
| Q2 25 | — | $240.5M | ||
| Q1 25 | — | $241.5M | ||
| Q4 24 | — | $227.2M | ||
| Q3 24 | — | $218.1M | ||
| Q2 24 | — | $225.7M | ||
| Q1 24 | — | $225.0M |
股东权益FNWDINTG
| Q4 25 | $174.7M | $-85.2M | ||
| Q3 25 | $165.5M | $-86.7M | ||
| Q2 25 | $154.3M | $-86.1M | ||
| Q1 25 | $151.8M | $-84.5M | ||
| Q4 24 | $151.4M | $-83.9M | ||
| Q3 24 | $159.6M | $-80.9M | ||
| Q2 24 | $148.6M | $-80.3M | ||
| Q1 24 | $151.6M | $-76.4M |
总资产FNWDINTG
| Q4 25 | $2.0B | $101.1M | ||
| Q3 25 | $2.1B | $102.5M | ||
| Q2 25 | $2.1B | $104.1M | ||
| Q1 25 | $2.0B | $103.2M | ||
| Q4 24 | $2.1B | $110.6M | ||
| Q3 24 | $2.1B | $109.3M | ||
| Q2 24 | $2.1B | $107.8M | ||
| Q1 24 | $2.1B | $119.0M |
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 | $-23.0K |
| 自由现金流经营现金流 - 资本支出 | $9.0M | $-481.0K |
| 自由现金流率自由现金流/营收 | 54.8% | -2.8% |
| 资本支出强度资本支出/营收 | 5.2% | 2.6% |
| 现金转化率经营现金流/净利润 | 4.99× | -0.02× |
| 过去12个月自由现金流最近4个季度 | $10.6M | $739.0K |
8季度趋势，按日历期对齐
经营现金流FNWDINTG
| Q4 25 | $9.9M | $-23.0K | ||
| Q3 25 | $1.2M | $-296.0K | ||
| Q2 25 | $4.8M | $5.9M | ||
| Q1 25 | $-3.8M | $-854.0K | ||
| Q4 24 | $9.8M | $-781.0K | ||
| Q3 24 | $-3.7M | $3.4M | ||
| Q2 24 | $2.8M | $6.8M | ||
| Q1 24 | $-25.0K | $1.9M |
自由现金流FNWDINTG
| Q4 25 | $9.0M | $-481.0K | ||
| Q3 25 | $1.0M | $-1.3M | ||
| Q2 25 | $4.5M | $3.6M | ||
| Q1 25 | $-4.0M | $-1.2M | ||
| Q4 24 | $6.7M | $-1.1M | ||
| Q3 24 | $-4.2M | $3.1M | ||
| Q2 24 | $1.1M | $2.7M | ||
| Q1 24 | $-736.0K | $1.1M |
自由现金流率FNWDINTG
| Q4 25 | 54.8% | -2.8% | ||
| Q3 25 | 6.0% | -7.1% | ||
| Q2 25 | 27.0% | 22.5% | ||
| Q1 25 | -25.7% | -6.8% | ||
| Q4 24 | 41.2% | -7.8% | ||
| Q3 24 | -28.5% | 18.3% | ||
| Q2 24 | 7.6% | 20.4% | ||
| Q1 24 | -2.9% | 7.6% |
资本支出强度FNWDINTG
| Q4 25 | 5.2% | 2.6% | ||
| Q3 25 | 0.9% | 5.4% | ||
| Q2 25 | 1.7% | 13.9% | ||
| Q1 25 | 1.2% | 1.8% | ||
| Q4 24 | 18.8% | 2.4% | ||
| Q3 24 | 3.4% | 1.6% | ||
| Q2 24 | 11.2% | 30.4% | ||
| Q1 24 | 2.8% | 4.9% |
现金转化率FNWDINTG
| Q4 25 | 4.99× | -0.02× | ||
| Q3 25 | 0.34× | — | ||
| Q2 25 | 2.22× | — | ||
| Q1 25 | -8.37× | — | ||
| Q4 24 | 4.66× | — | ||
| Q3 24 | -6.15× | — | ||
| Q2 24 | 19.23× | — | ||
| Q1 24 | -0.00× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
FNWD
暂无分部数据
INTG
| Hotel Operations | $12.7M | 73% |
| Real Estate Operation | $4.6M | 27% |
