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Finward Bancorp（FNWD）与INTEST CORP（INTT）财务数据对比。点击上方公司名可切换其他公司
INTEST CORP的季度营收约是Finward Bancorp的2.0倍（$32.8M vs $16.5M），Finward Bancorp净利率更高（12.0% vs 3.8%，领先8.2%），Finward Bancorp同比增速更快（1.1% vs -10.3%），Finward Bancorp自由现金流更多（$9.0M vs $-1.6M），过去两年INTEST CORP的营收复合增速更高（4.9% 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。
INTEST CORP是面向全球半导体产业的专业测试设备供应商，主营研发、生产及销售热管理系统、测试接口硬件、晶圆处理工具等产品，客户覆盖晶圆制造厂、芯片设计企业及汽车、工业电子等下游领域。
FNWD vs INTT — 直观对比
营收规模更大
INTT
是对方的2.0倍
$16.5M
营收增速更快
FNWD
高出11.4%
-10.3%
净利率更高
FNWD
高出8.2%
3.8%
自由现金流更多
FNWD
多$10.6M
$-1.6M
两年增速更快
INTT
近两年复合增速
-19.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $16.5M | $32.8M |
| 净利润 | $2.0M | $1.2M |
| 毛利率 | — | 45.4% |
| 营业利润率 | 11.0% | 3.9% |
| 净利率 | 12.0% | 3.8% |
| 营收同比 | 1.1% | -10.3% |
| 净利润同比 | -5.6% | -17.4% |
| 每股收益（稀释后） | $0.46 | $0.10 |
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FNWDINTT
| Q4 25 | $16.5M | $32.8M | ||
| Q3 25 | $17.4M | $26.2M | ||
| Q2 25 | $16.6M | $28.1M | ||
| Q1 25 | $15.5M | $26.6M | ||
| Q4 24 | $16.3M | $36.6M | ||
| Q3 24 | $14.9M | $30.3M | ||
| Q2 24 | $14.6M | $34.0M | ||
| Q1 24 | $25.3M | $29.8M |
净利润FNWDINTT
| Q4 25 | $2.0M | $1.2M | ||
| Q3 25 | $3.5M | $-938.0K | ||
| Q2 25 | $2.2M | $-503.0K | ||
| Q1 25 | $455.0K | $-2.3M | ||
| Q4 24 | $2.1M | $1.5M | ||
| Q3 24 | $606.0K | $495.0K | ||
| Q2 24 | $143.0K | $230.0K | ||
| Q1 24 | $9.3M | $662.0K |
毛利率FNWDINTT
| Q4 25 | — | 45.4% | ||
| Q3 25 | — | 41.9% | ||
| Q2 25 | — | 42.6% | ||
| Q1 25 | — | 41.5% | ||
| Q4 24 | — | 39.7% | ||
| Q3 24 | — | 46.3% | ||
| Q2 24 | — | 40.6% | ||
| Q1 24 | — | 43.8% |
营业利润率FNWDINTT
| Q4 25 | 11.0% | 3.9% | ||
| Q3 25 | 20.5% | -4.5% | ||
| Q2 25 | 12.7% | -3.3% | ||
| Q1 25 | 4.0% | -10.8% | ||
| Q4 24 | 16.3% | 5.7% | ||
| Q3 24 | 2.7% | 1.6% | ||
| Q2 24 | 0.9% | 1.0% | ||
| Q1 24 | 40.6% | 1.6% |
净利率FNWDINTT
| Q4 25 | 12.0% | 3.8% | ||
| Q3 25 | 20.1% | -3.6% | ||
| Q2 25 | 12.9% | -1.8% | ||
| Q1 25 | 2.9% | -8.7% | ||
| Q4 24 | 12.9% | 4.1% | ||
| Q3 24 | 4.1% | 1.6% | ||
| Q2 24 | 1.0% | 0.7% | ||
| Q1 24 | 36.7% | 2.2% |
每股收益（稀释后）FNWDINTT
| Q4 25 | $0.46 | $0.10 | ||
| Q3 25 | $0.81 | $-0.08 | ||
| Q2 25 | $0.50 | $-0.04 | ||
| Q1 25 | $0.11 | $-0.19 | ||
| Q4 24 | $0.50 | $0.13 | ||
| Q3 24 | $0.14 | $0.04 | ||
| Q2 24 | $0.03 | $0.02 | ||
| Q1 24 | $2.17 | $0.05 |
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 | — | $14.2M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $174.7M | $103.6M |
| 总资产 | $2.0B | $151.3M |
| 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FNWDINTT
| Q4 25 | — | $14.2M | ||
| Q3 25 | — | $16.2M | ||
| Q2 25 | — | $19.2M | ||
| Q1 25 | — | $22.0M | ||
| Q4 24 | — | $19.8M | ||
| Q3 24 | — | $18.0M | ||
| Q2 24 | — | $20.4M | ||
| Q1 24 | — | $27.3M |
总债务FNWDINTT
| Q4 25 | — | — | ||
| Q3 25 | — | $4.9M | ||
| Q2 25 | — | $5.9M | ||
| Q1 25 | — | $6.9M | ||
| Q4 24 | — | $7.9M | ||
| Q3 24 | — | $9.0M | ||
| Q2 24 | — | $10.0M | ||
| Q1 24 | — | $11.0M |
股东权益FNWDINTT
| Q4 25 | $174.7M | $103.6M | ||
| Q3 25 | $165.5M | $101.9M | ||
| Q2 25 | $154.3M | $102.6M | ||
| Q1 25 | $151.8M | $99.4M | ||
| Q4 24 | $151.4M | $99.8M | ||
| Q3 24 | $159.6M | $100.4M | ||
| Q2 24 | $148.6M | $99.5M | ||
| Q1 24 | $151.6M | $99.3M |
总资产FNWDINTT
| Q4 25 | $2.0B | $151.3M | ||
| Q3 25 | $2.1B | $148.3M | ||
| Q2 25 | $2.1B | $149.7M | ||
| Q1 25 | $2.0B | $148.0M | ||
| Q4 24 | $2.1B | $152.3M | ||
| Q3 24 | $2.1B | $158.4M | ||
| Q2 24 | $2.1B | $160.6M | ||
| Q1 24 | $2.1B | $159.5M |
负债/权益比FNWDINTT
| Q4 25 | — | — | ||
| Q3 25 | — | 0.05× | ||
| Q2 25 | — | 0.06× | ||
| Q1 25 | — | 0.07× | ||
| Q4 24 | — | 0.08× | ||
| Q3 24 | — | 0.09× | ||
| Q2 24 | — | 0.10× | ||
| Q1 24 | — | 0.11× |
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 | $-1.0M |
| 自由现金流经营现金流 - 资本支出 | $9.0M | $-1.6M |
| 自由现金流率自由现金流/营收 | 54.8% | -4.7% |
| 资本支出强度资本支出/营收 | 5.2% | 1.6% |
| 现金转化率经营现金流/净利润 | 4.99× | -0.82× |
| 过去12个月自由现金流最近4个季度 | $10.6M | $5.7M |
8季度趋势，按日历期对齐
经营现金流FNWDINTT
| Q4 25 | $9.9M | $-1.0M | ||
| Q3 25 | $1.2M | $3.5M | ||
| Q2 25 | $4.8M | $-688.0K | ||
| Q1 25 | $-3.8M | $5.5M | ||
| Q4 24 | $9.8M | $2.6M | ||
| Q3 24 | $-3.7M | $4.2M | ||
| Q2 24 | $2.8M | $-5.1M | ||
| Q1 24 | $-25.0K | $2.1M |
自由现金流FNWDINTT
| Q4 25 | $9.0M | $-1.6M | ||
| Q3 25 | $1.0M | $3.1M | ||
| Q2 25 | $4.5M | $-1.1M | ||
| Q1 25 | $-4.0M | $5.3M | ||
| Q4 24 | $6.7M | $2.4M | ||
| Q3 24 | $-4.2M | $3.7M | ||
| Q2 24 | $1.1M | $-5.4M | ||
| Q1 24 | $-736.0K | $1.7M |
自由现金流率FNWDINTT
| Q4 25 | 54.8% | -4.7% | ||
| Q3 25 | 6.0% | 11.8% | ||
| Q2 25 | 27.0% | -4.1% | ||
| Q1 25 | -25.7% | 19.9% | ||
| Q4 24 | 41.2% | 6.6% | ||
| Q3 24 | -28.5% | 12.4% | ||
| Q2 24 | 7.6% | -15.9% | ||
| Q1 24 | -2.9% | 5.8% |
资本支出强度FNWDINTT
| Q4 25 | 5.2% | 1.6% | ||
| Q3 25 | 0.9% | 1.6% | ||
| Q2 25 | 1.7% | 1.6% | ||
| Q1 25 | 1.2% | 0.9% | ||
| Q4 24 | 18.8% | 0.4% | ||
| Q3 24 | 3.4% | 1.7% | ||
| Q2 24 | 11.2% | 0.9% | ||
| Q1 24 | 2.8% | 1.1% |
现金转化率FNWDINTT
| Q4 25 | 4.99× | -0.82× | ||
| Q3 25 | 0.34× | — | ||
| Q2 25 | 2.22× | — | ||
| Q1 25 | -8.37× | — | ||
| Q4 24 | 4.66× | 1.72× | ||
| Q3 24 | -6.15× | 8.58× | ||
| Q2 24 | 19.23× | -22.13× | ||
| Q1 24 | -0.00× | 3.13× |
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
INTT
| Environmental Technologies | $8.3M | 25% |
| Semiconductor Market | $6.9M | 21% |
| Thermal Testing Products | $6.4M | 19% |
| Service And Other Products | $4.8M | 15% |
| Oem Integrators And Distributor | $3.5M | 11% |
| Semiconductor Production Test Products | $3.0M | 9% |
