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Finward Bancorp（FNWD）与Ispire Technology Inc.（ISPR）财务数据对比。点击上方公司名可切换其他公司
Ispire Technology Inc.的季度营收约是Finward Bancorp的1.2倍（$20.3M vs $16.5M），Finward Bancorp净利率更高（12.0% vs -32.5%，领先44.6%），Finward Bancorp同比增速更快（1.1% vs -51.5%），Finward Bancorp自由现金流更多（$9.0M vs $-4.0M），过去两年Ispire Technology Inc.的营收复合增速更高（-17.8% 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。
Ispire科技是一家专注于先进雾化硬件及配套耗材研发、生产与销售的全球化科技企业，主要服务尼古丁及合法大麻消费市场，下设硬件、品牌大麻产品两大核心业务板块，覆盖北美、欧洲、亚太等核心市场，为B端合作商及终端用户提供合规创新的雾化解决方案。
FNWD vs ISPR — 直观对比
营收规模更大
ISPR
是对方的1.2倍
$16.5M
营收增速更快
FNWD
高出52.6%
-51.5%
净利率更高
FNWD
高出44.6%
-32.5%
自由现金流更多
FNWD
多$13.1M
$-4.0M
两年增速更快
ISPR
近两年复合增速
-19.1%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $16.5M | $20.3M |
| 净利润 | $2.0M | $-6.6M |
| 毛利率 | — | 17.1% |
| 营业利润率 | 11.0% | -33.9% |
| 净利率 | 12.0% | -32.5% |
| 营收同比 | 1.1% | -51.5% |
| 净利润同比 | -5.6% | 17.4% |
| 每股收益（稀释后） | $0.46 | $-0.12 |
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FNWDISPR
| Q4 25 | $16.5M | $20.3M | ||
| Q3 25 | $17.4M | $30.4M | ||
| Q2 25 | $16.6M | $20.1M | ||
| Q1 25 | $15.5M | $26.2M | ||
| Q4 24 | $16.3M | $41.8M | ||
| Q3 24 | $14.9M | $39.3M | ||
| Q2 24 | $14.6M | $37.3M | ||
| Q1 24 | $25.3M | $30.0M |
净利润FNWDISPR
| Q4 25 | $2.0M | $-6.6M | ||
| Q3 25 | $3.5M | $-3.3M | ||
| Q2 25 | $2.2M | $-14.8M | ||
| Q1 25 | $455.0K | $-10.9M | ||
| Q4 24 | $2.1M | $-8.0M | ||
| Q3 24 | $606.0K | $-5.6M | ||
| Q2 24 | $143.0K | $-3.5M | ||
| Q1 24 | $9.3M | $-5.9M |
毛利率FNWDISPR
| Q4 25 | — | 17.1% | ||
| Q3 25 | — | 17.0% | ||
| Q2 25 | — | 12.3% | ||
| Q1 25 | — | 18.2% | ||
| Q4 24 | — | 18.5% | ||
| Q3 24 | — | 19.5% | ||
| Q2 24 | — | 28.3% | ||
| Q1 24 | — | 20.4% |
营业利润率FNWDISPR
| Q4 25 | 11.0% | -33.9% | ||
| Q3 25 | 20.5% | -8.9% | ||
| Q2 25 | 12.7% | -72.7% | ||
| Q1 25 | 4.0% | -40.4% | ||
| Q4 24 | 16.3% | -17.6% | ||
| Q3 24 | 2.7% | -13.4% | ||
| Q2 24 | 0.9% | -9.2% | ||
| Q1 24 | 40.6% | -18.8% |
净利率FNWDISPR
| Q4 25 | 12.0% | -32.5% | ||
| Q3 25 | 20.1% | -10.7% | ||
| Q2 25 | 12.9% | -73.4% | ||
| Q1 25 | 2.9% | -41.5% | ||
| Q4 24 | 12.9% | -19.1% | ||
| Q3 24 | 4.1% | -14.2% | ||
| Q2 24 | 1.0% | -9.4% | ||
| Q1 24 | 36.7% | -19.7% |
每股收益（稀释后）FNWDISPR
| Q4 25 | $0.46 | $-0.12 | ||
| Q3 25 | $0.81 | $-0.06 | ||
| Q2 25 | $0.50 | $-0.26 | ||
| Q1 25 | $0.11 | $-0.19 | ||
| Q4 24 | $0.50 | $-0.14 | ||
| Q3 24 | $0.14 | $-0.10 | ||
| Q2 24 | $0.03 | $-0.07 | ||
| Q1 24 | $2.17 | $-0.11 |
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 | — | $17.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $174.7M | $-7.7M |
| 总资产 | $2.0B | $84.4M |
| 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FNWDISPR
| Q4 25 | — | $17.6M | ||
| Q3 25 | — | $22.7M | ||
| Q2 25 | — | $24.4M | ||
| Q1 25 | — | $23.5M | ||
| Q4 24 | — | $34.4M | ||
| Q3 24 | — | $37.7M | ||
| Q2 24 | — | $35.1M | ||
| Q1 24 | — | $39.5M |
股东权益FNWDISPR
| Q4 25 | $174.7M | $-7.7M | ||
| Q3 25 | $165.5M | $-1.8M | ||
| Q2 25 | $154.3M | $604.7K | ||
| Q1 25 | $151.8M | $14.8M | ||
| Q4 24 | $151.4M | $24.2M | ||
| Q3 24 | $159.6M | $30.7M | ||
| Q2 24 | $148.6M | $34.5M | ||
| Q1 24 | $151.6M | $35.9M |
总资产FNWDISPR
| Q4 25 | $2.0B | $84.4M | ||
| Q3 25 | $2.1B | $96.4M | ||
| Q2 25 | $2.1B | $102.2M | ||
| Q1 25 | $2.0B | $115.7M | ||
| Q4 24 | $2.1B | $132.0M | ||
| Q3 24 | $2.1B | $129.0M | ||
| Q2 24 | $2.1B | $122.6M | ||
| Q1 24 | $2.1B | $108.0M |
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 | $-4.0M |
| 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% | -19.9% |
| 资本支出强度资本支出/营收 | 5.2% | 0.3% |
| 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 | $-14.2M |
8季度趋势，按日历期对齐
经营现金流FNWDISPR
| Q4 25 | $9.9M | $-4.0M | ||
| Q3 25 | $1.2M | $-1.2M | ||
| Q2 25 | $4.8M | $4.7M | ||
| Q1 25 | $-3.8M | $-12.5M | ||
| Q4 24 | $9.8M | $-3.2M | ||
| Q3 24 | $-3.7M | $3.6M | ||
| Q2 24 | $2.8M | $-1.4M | ||
| Q1 24 | $-25.0K | $3.4M |
自由现金流FNWDISPR
| Q4 25 | $9.0M | $-4.0M | ||
| Q3 25 | $1.0M | $-1.2M | ||
| Q2 25 | $4.5M | $3.7M | ||
| Q1 25 | $-4.0M | $-12.7M | ||
| Q4 24 | $6.7M | $-3.2M | ||
| Q3 24 | $-4.2M | $3.3M | ||
| Q2 24 | $1.1M | $-2.2M | ||
| Q1 24 | $-736.0K | $3.3M |
自由现金流率FNWDISPR
| Q4 25 | 54.8% | -19.9% | ||
| Q3 25 | 6.0% | -3.9% | ||
| Q2 25 | 27.0% | 18.6% | ||
| Q1 25 | -25.7% | -48.4% | ||
| Q4 24 | 41.2% | -7.7% | ||
| Q3 24 | -28.5% | 8.5% | ||
| Q2 24 | 7.6% | -5.9% | ||
| Q1 24 | -2.9% | 10.9% |
资本支出强度FNWDISPR
| Q4 25 | 5.2% | 0.3% | ||
| Q3 25 | 0.9% | 0.0% | ||
| Q2 25 | 1.7% | 4.8% | ||
| Q1 25 | 1.2% | 0.7% | ||
| Q4 24 | 18.8% | 0.1% | ||
| Q3 24 | 3.4% | 0.7% | ||
| Q2 24 | 11.2% | 2.0% | ||
| Q1 24 | 2.8% | 0.3% |
现金转化率FNWDISPR
| 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
