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Finward Bancorp（FNWD）与IRIDEX CORP（IRIX）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IRIDEX CORP的1.1倍（$16.5M vs $14.7M），Finward Bancorp同比增速更快（1.1% vs -69.7%），过去两年IRIDEX CORP的营收复合增速更高（11.9% 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。
IRIDEX Corporation是一家全球性医疗科技企业，主要研发、生产和销售面向眼科及医疗美容领域的激光类医疗设备，产品供应至北美、欧洲、亚太等地区的医疗机构与诊所，为眼部疾病治疗和医美项目提供微创解决方案。
FNWD vs IRIX — 直观对比
营收规模更大
FNWD
是对方的1.1倍
$14.7M
营收增速更快
FNWD
高出70.8%
-69.7%
两年增速更快
IRIX
近两年复合增速
-19.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $16.5M | $14.7M |
| 净利润 | $2.0M | — |
| 毛利率 | — | 37.2% |
| 营业利润率 | 11.0% | — |
| 净利率 | 12.0% | — |
| 营收同比 | 1.1% | -69.7% |
| 净利润同比 | -5.6% | — |
| 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FNWDIRIX
| Q4 25 | $16.5M | $14.7M | ||
| Q3 25 | $17.4M | $12.5M | ||
| Q2 25 | $16.6M | $13.6M | ||
| Q1 25 | $15.5M | $11.9M | ||
| Q4 24 | $16.3M | $12.7M | ||
| Q3 24 | $14.9M | $11.6M | ||
| Q2 24 | $14.6M | $12.6M | ||
| Q1 24 | $25.3M | $11.8M |
净利润FNWDIRIX
| Q4 25 | $2.0M | — | ||
| Q3 25 | $3.5M | $-1.6M | ||
| Q2 25 | $2.2M | $-994.0K | ||
| Q1 25 | $455.0K | $-1.7M | ||
| Q4 24 | $2.1M | $-834.0K | ||
| Q3 24 | $606.0K | $-1.9M | ||
| Q2 24 | $143.0K | $-2.7M | ||
| Q1 24 | $9.3M | $-3.5M |
毛利率FNWDIRIX
| Q4 25 | — | 37.2% | ||
| Q3 25 | — | 32.1% | ||
| Q2 25 | — | 34.5% | ||
| Q1 25 | — | 42.5% | ||
| Q4 24 | — | 44.0% | ||
| Q3 24 | — | 37.3% | ||
| Q2 24 | — | 40.7% | ||
| Q1 24 | — | 37.9% |
营业利润率FNWDIRIX
| Q4 25 | 11.0% | — | ||
| Q3 25 | 20.5% | -11.3% | ||
| Q2 25 | 12.7% | -6.9% | ||
| Q1 25 | 4.0% | -1.7% | ||
| Q4 24 | 16.3% | -3.9% | ||
| Q3 24 | 2.7% | -16.1% | ||
| Q2 24 | 0.9% | -20.9% | ||
| Q1 24 | 40.6% | -28.0% |
净利率FNWDIRIX
| Q4 25 | 12.0% | — | ||
| Q3 25 | 20.1% | -12.6% | ||
| Q2 25 | 12.9% | -7.3% | ||
| Q1 25 | 2.9% | -14.2% | ||
| Q4 24 | 12.9% | -6.6% | ||
| Q3 24 | 4.1% | -16.7% | ||
| Q2 24 | 1.0% | -21.2% | ||
| Q1 24 | 36.7% | -29.5% |
每股收益（稀释后）FNWDIRIX
| Q4 25 | $0.46 | — | ||
| Q3 25 | $0.81 | $-0.09 | ||
| Q2 25 | $0.50 | $-0.06 | ||
| Q1 25 | $0.11 | $-0.10 | ||
| Q4 24 | $0.50 | $-0.05 | ||
| Q3 24 | $0.14 | $-0.12 | ||
| Q2 24 | $0.03 | $-0.16 | ||
| Q1 24 | $2.17 | $-0.21 |
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 | — | $6.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $174.7M | — |
| 总资产 | $2.0B | $29.2M |
| 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FNWDIRIX
| Q4 25 | — | $6.0M | ||
| Q3 25 | — | $5.6M | ||
| Q2 25 | — | $6.8M | ||
| Q1 25 | — | $7.2M | ||
| Q4 24 | — | $2.4M | ||
| Q3 24 | — | $3.9M | ||
| Q2 24 | — | $4.1M | ||
| Q1 24 | — | $5.4M |
总债务FNWDIRIX
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $1.0M | ||
| Q3 24 | — | $1.4M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益FNWDIRIX
| Q4 25 | $174.7M | — | ||
| Q3 25 | $165.5M | $4.7M | ||
| Q2 25 | $154.3M | $6.1M | ||
| Q1 25 | $151.8M | $852.0K | ||
| Q4 24 | $151.4M | $2.1M | ||
| Q3 24 | $159.6M | $2.6M | ||
| Q2 24 | $148.6M | $4.2M | ||
| Q1 24 | $151.6M | $6.5M |
总资产FNWDIRIX
| Q4 25 | $2.0B | $29.2M | ||
| Q3 25 | $2.1B | $28.4M | ||
| Q2 25 | $2.1B | $31.6M | ||
| Q1 25 | $2.0B | $34.2M | ||
| Q4 24 | $2.1B | $29.1M | ||
| Q3 24 | $2.1B | $30.2M | ||
| Q2 24 | $2.1B | $31.2M | ||
| Q1 24 | $2.1B | $34.1M |
负债/权益比FNWDIRIX
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.48× | ||
| Q3 24 | — | 0.53× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | — |
| 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% | — |
| 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FNWDIRIX
| Q4 25 | $9.9M | — | ||
| Q3 25 | $1.2M | $-1.2M | ||
| Q2 25 | $4.8M | $-397.0K | ||
| Q1 25 | $-3.8M | $-1.1M | ||
| Q4 24 | $9.8M | $-1.2M | ||
| Q3 24 | $-3.7M | $-3.1M | ||
| Q2 24 | $2.8M | $-1.3M | ||
| Q1 24 | $-25.0K | $-1.6M |
自由现金流FNWDIRIX
| Q4 25 | $9.0M | — | ||
| Q3 25 | $1.0M | $-1.2M | ||
| Q2 25 | $4.5M | $-410.0K | ||
| Q1 25 | $-4.0M | $-1.2M | ||
| Q4 24 | $6.7M | $-1.2M | ||
| Q3 24 | $-4.2M | $-3.1M | ||
| Q2 24 | $1.1M | — | ||
| Q1 24 | $-736.0K | $-1.7M |
自由现金流率FNWDIRIX
| Q4 25 | 54.8% | — | ||
| Q3 25 | 6.0% | -9.4% | ||
| Q2 25 | 27.0% | -3.0% | ||
| Q1 25 | -25.7% | -9.8% | ||
| Q4 24 | 41.2% | -9.8% | ||
| Q3 24 | -28.5% | -26.5% | ||
| Q2 24 | 7.6% | — | ||
| Q1 24 | -2.9% | -14.0% |
资本支出强度FNWDIRIX
| Q4 25 | 5.2% | — | ||
| Q3 25 | 0.9% | 0.1% | ||
| Q2 25 | 1.7% | 0.1% | ||
| Q1 25 | 1.2% | 0.1% | ||
| Q4 24 | 18.8% | 0.1% | ||
| Q3 24 | 3.4% | 0.0% | ||
| Q2 24 | 11.2% | 0.0% | ||
| Q1 24 | 2.8% | 0.0% |
现金转化率FNWDIRIX
| Q4 25 | 4.99× | — | ||
| 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
