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Finward Bancorp（FNWD）与JEWETT CAMERON TRADING CO LTD（JCTC）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JEWETT CAMERON TRADING CO LTD的1.9倍（$16.5M vs $8.7M），Finward Bancorp净利率更高（12.0% vs -45.6%，领先57.6%），Finward Bancorp同比增速更快（1.1% vs -6.6%），过去两年JEWETT CAMERON TRADING CO LTD的营收复合增速更高（2.5% 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。
JCTC（Jewett Cameron Trading Co Ltd）是总部位于美国的分销企业，主营建筑五金、工业用品、户外生活及家居改善商品，服务北美地区的零售、商业建筑及批发客户，核心业务覆盖建材、户外休闲等板块。
FNWD vs JCTC — 直观对比
营收规模更大
FNWD
是对方的1.9倍
$8.7M
营收增速更快
FNWD
高出7.7%
-6.6%
净利率更高
FNWD
高出57.6%
-45.6%
两年增速更快
JCTC
近两年复合增速
-19.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $16.5M | $8.7M |
| 净利润 | $2.0M | $-3.9M |
| 毛利率 | — | -12.5% |
| 营业利润率 | 11.0% | -43.7% |
| 净利率 | 12.0% | -45.6% |
| 营收同比 | 1.1% | -6.6% |
| 净利润同比 | -5.6% | -498.8% |
| 每股收益（稀释后） | $0.46 | $-1.12 |
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FNWDJCTC
| Q4 25 | $16.5M | $8.7M | ||
| Q3 25 | $17.4M | $10.4M | ||
| Q2 25 | $16.6M | $12.6M | ||
| Q1 25 | $15.5M | $9.1M | ||
| Q4 24 | $16.3M | $9.3M | ||
| Q3 24 | $14.9M | $13.2M | ||
| Q2 24 | $14.6M | $15.9M | ||
| Q1 24 | $25.3M | $8.2M |
净利润FNWDJCTC
| Q4 25 | $2.0M | $-3.9M | ||
| Q3 25 | $3.5M | $-2.2M | ||
| Q2 25 | $2.2M | $-649.6K | ||
| Q1 25 | $455.0K | $-573.1K | ||
| Q4 24 | $2.1M | $-658.7K | ||
| Q3 24 | $606.0K | $-190.5K | ||
| Q2 24 | $143.0K | $154.9K | ||
| Q1 24 | $9.3M | $-534.1K |
毛利率FNWDJCTC
| Q4 25 | — | -12.5% | ||
| Q3 25 | — | 8.2% | ||
| Q2 25 | — | 15.0% | ||
| Q1 25 | — | 20.1% | ||
| Q4 24 | — | 18.3% | ||
| Q3 24 | — | 14.5% | ||
| Q2 24 | — | 18.6% | ||
| Q1 24 | — | 25.1% |
营业利润率FNWDJCTC
| Q4 25 | 11.0% | -43.7% | ||
| Q3 25 | 20.5% | -13.8% | ||
| Q2 25 | 12.7% | -5.5% | ||
| Q1 25 | 4.0% | -8.5% | ||
| Q4 24 | 16.3% | -9.3% | ||
| Q3 24 | 2.7% | -2.3% | ||
| Q2 24 | 0.9% | 0.3% | ||
| Q1 24 | 40.6% | -8.8% |
净利率FNWDJCTC
| Q4 25 | 12.0% | -45.6% | ||
| Q3 25 | 20.1% | -21.7% | ||
| Q2 25 | 12.9% | -5.2% | ||
| Q1 25 | 2.9% | -6.3% | ||
| Q4 24 | 12.9% | -7.1% | ||
| Q3 24 | 4.1% | -1.4% | ||
| Q2 24 | 1.0% | 1.0% | ||
| Q1 24 | 36.7% | -6.5% |
每股收益（稀释后）FNWDJCTC
| Q4 25 | $0.46 | $-1.12 | ||
| Q3 25 | $0.81 | $-0.65 | ||
| Q2 25 | $0.50 | $-0.18 | ||
| Q1 25 | $0.11 | $-0.16 | ||
| Q4 24 | $0.50 | $-0.19 | ||
| Q3 24 | $0.14 | $-0.05 | ||
| Q2 24 | $0.03 | $0.04 | ||
| Q1 24 | $2.17 | $-0.15 |
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 | — | $1.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $174.7M | $16.8M |
| 总资产 | $2.0B | $23.2M |
| 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FNWDJCTC
| Q4 25 | — | $1.0M | ||
| Q3 25 | — | $226.2K | ||
| Q2 25 | — | $1.2M | ||
| Q1 25 | — | $435.6K | ||
| Q4 24 | — | $3.0M | ||
| Q3 24 | — | $4.9M | ||
| Q2 24 | — | $1.1M | ||
| Q1 24 | — | $1.1M |
股东权益FNWDJCTC
| Q4 25 | $174.7M | $16.8M | ||
| Q3 25 | $165.5M | $20.8M | ||
| Q2 25 | $154.3M | $23.0M | ||
| Q1 25 | $151.8M | $23.7M | ||
| Q4 24 | $151.4M | $24.2M | ||
| Q3 24 | $159.6M | $24.9M | ||
| Q2 24 | $148.6M | $25.0M | ||
| Q1 24 | $151.6M | $24.9M |
总资产FNWDJCTC
| Q4 25 | $2.0B | $23.2M | ||
| Q3 25 | $2.1B | $25.5M | ||
| Q2 25 | $2.1B | $29.2M | ||
| Q1 25 | $2.0B | $27.6M | ||
| Q4 24 | $2.1B | $26.7M | ||
| Q3 24 | $2.1B | $27.5M | ||
| Q2 24 | $2.1B | $28.3M | ||
| Q1 24 | $2.1B | $29.0M |
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 | $-1.3M |
| 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% | 0.0% |
| 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FNWDJCTC
| Q4 25 | $9.9M | $-1.3M | ||
| Q3 25 | $1.2M | $-636.4K | ||
| Q2 25 | $4.8M | $-1.6M | ||
| Q1 25 | $-3.8M | $-2.6M | ||
| Q4 24 | $9.8M | $-1.8M | ||
| Q3 24 | $-3.7M | $3.8M | ||
| Q2 24 | $2.8M | $14.5K | ||
| Q1 24 | $-25.0K | $-2.4M |
自由现金流FNWDJCTC
| Q4 25 | $9.0M | — | ||
| Q3 25 | $1.0M | $-658.0K | ||
| Q2 25 | $4.5M | $-1.7M | ||
| Q1 25 | $-4.0M | $-2.6M | ||
| Q4 24 | $6.7M | $-1.8M | ||
| Q3 24 | $-4.2M | — | ||
| Q2 24 | $1.1M | $-96.1K | ||
| Q1 24 | $-736.0K | — |
自由现金流率FNWDJCTC
| Q4 25 | 54.8% | — | ||
| Q3 25 | 6.0% | -6.3% | ||
| Q2 25 | 27.0% | -13.1% | ||
| Q1 25 | -25.7% | -28.8% | ||
| Q4 24 | 41.2% | -19.6% | ||
| Q3 24 | -28.5% | — | ||
| Q2 24 | 7.6% | -0.6% | ||
| Q1 24 | -2.9% | — |
资本支出强度FNWDJCTC
| Q4 25 | 5.2% | 0.0% | ||
| Q3 25 | 0.9% | 0.2% | ||
| Q2 25 | 1.7% | 0.3% | ||
| Q1 25 | 1.2% | 0.2% | ||
| Q4 24 | 18.8% | 0.4% | ||
| Q3 24 | 3.4% | 0.0% | ||
| Q2 24 | 11.2% | 0.7% | ||
| Q1 24 | 2.8% | 0.0% |
现金转化率FNWDJCTC
| 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× | 0.09× | ||
| 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
JCTC
| Lawn Garden Pet And Other | $7.4M | 86% |
| Industrial Wood Products | $1.2M | 14% |
