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Finward Bancorp（FNWD）与林德（LIN）财务数据对比。点击上方公司名可切换其他公司
Finward Bancorp的季度营收约是林德的1.9倍（$16.5M vs $8.8M），林德同比增速更快（8.2% vs 1.1%），Finward Bancorp自由现金流更多（$9.0M vs $898.0K），过去两年Finward Bancorp的营收复合增速更高（-19.1% vs -96.7%）
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。
林德是全球知名跨国化工企业，按市场份额及营收计为全球最大工业气体供应商。公司1879年由德国科学家、工程师卡尔·冯·林德在德国威斯巴登创立，现总部位于英国沃金，在爱尔兰注册，2018年由原林德股份公司与1907年在美国成立的普莱克斯合并组建。
FNWD vs LIN — 直观对比
营收规模更大
FNWD
是对方的1.9倍
$8.8M
营收增速更快
LIN
高出7.2%
1.1%
自由现金流更多
FNWD
多$8.2M
$898.0K
两年增速更快
FNWD
近两年复合增速
-96.7%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $16.5M | $8.8M |
| 净利润 | $2.0M | — |
| 毛利率 | — | 48.5% |
| 营业利润率 | 11.0% | 27.8% |
| 净利率 | 12.0% | — |
| 营收同比 | 1.1% | 8.2% |
| 净利润同比 | -5.6% | — |
| 每股收益（稀释后） | $0.46 | $3.98 |
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FNWDLIN
| Q1 26 | — | $8.8M | ||
| Q4 25 | $16.5M | $8.8B | ||
| Q3 25 | $17.4M | $8.6B | ||
| Q2 25 | $16.6M | $8.5B | ||
| Q1 25 | $15.5M | $8.1B | ||
| Q4 24 | $16.3M | $8.3B | ||
| Q3 24 | $14.9M | $8.4B | ||
| Q2 24 | $14.6M | $8.3B |
净利润FNWDLIN
| Q1 26 | — | — | ||
| Q4 25 | $2.0M | $1.5B | ||
| Q3 25 | $3.5M | $1.9B | ||
| Q2 25 | $2.2M | $1.8B | ||
| Q1 25 | $455.0K | $1.7B | ||
| Q4 24 | $2.1M | $1.7B | ||
| Q3 24 | $606.0K | $1.6B | ||
| Q2 24 | $143.0K | $1.7B |
毛利率FNWDLIN
| Q1 26 | — | 48.5% | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
营业利润率FNWDLIN
| Q1 26 | — | 27.8% | ||
| Q4 25 | 11.0% | 23.0% | ||
| Q3 25 | 20.5% | 27.5% | ||
| Q2 25 | 12.7% | 27.7% | ||
| Q1 25 | 4.0% | 26.9% | ||
| Q4 24 | 16.3% | 27.4% | ||
| Q3 24 | 2.7% | 25.0% | ||
| Q2 24 | 0.9% | 26.4% |
净利率FNWDLIN
| Q1 26 | — | — | ||
| Q4 25 | 12.0% | 17.5% | ||
| Q3 25 | 20.1% | 22.4% | ||
| Q2 25 | 12.9% | 20.8% | ||
| Q1 25 | 2.9% | 20.6% | ||
| Q4 24 | 12.9% | 20.8% | ||
| Q3 24 | 4.1% | 18.5% | ||
| Q2 24 | 1.0% | 20.1% |
每股收益（稀释后）FNWDLIN
| Q1 26 | — | $3.98 | ||
| Q4 25 | $0.46 | $3.28 | ||
| Q3 25 | $0.81 | $4.09 | ||
| Q2 25 | $0.50 | $3.73 | ||
| Q1 25 | $0.11 | $3.51 | ||
| Q4 24 | $0.50 | $3.61 | ||
| Q3 24 | $0.14 | $3.22 | ||
| Q2 24 | $0.03 | $3.44 |
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 | — | $4.0M |
| 总债务越低越好 | — | $24.7M |
| 股东权益账面价值 | $174.7M | $40.1M |
| 总资产 | $2.0B | $86.3M |
| 负债/权益比越低杠杆越低 | — | 0.62× |
8季度趋势，按日历期对齐
现金及短期投资FNWDLIN
| Q1 26 | — | $4.0M | ||
| Q4 25 | — | $5.1B | ||
| Q3 25 | — | $4.5B | ||
| Q2 25 | — | $4.8B | ||
| Q1 25 | — | $5.3B | ||
| Q4 24 | — | $4.8B | ||
| Q3 24 | — | $5.2B | ||
| Q2 24 | — | $4.6B |
总债务FNWDLIN
| Q1 26 | — | $24.7M | ||
| Q4 25 | — | $20.7B | ||
| Q3 25 | — | $18.6B | ||
| Q2 25 | — | $19.7B | ||
| Q1 25 | — | $17.6B | ||
| Q4 24 | — | $15.3B | ||
| Q3 24 | — | $17.5B | ||
| Q2 24 | — | $16.9B |
股东权益FNWDLIN
| Q1 26 | — | $40.1M | ||
| Q4 25 | $174.7M | $38.2B | ||
| Q3 25 | $165.5M | $38.6B | ||
| Q2 25 | $154.3M | $38.5B | ||
| Q1 25 | $151.8M | $38.0B | ||
| Q4 24 | $151.4M | $38.1B | ||
| Q3 24 | $159.6M | $39.2B | ||
| Q2 24 | $148.6M | $38.2B |
总资产FNWDLIN
| Q1 26 | — | $86.3M | ||
| Q4 25 | $2.0B | $86.8B | ||
| Q3 25 | $2.1B | $86.0B | ||
| Q2 25 | $2.1B | $86.1B | ||
| Q1 25 | $2.0B | $82.7B | ||
| Q4 24 | $2.1B | $80.1B | ||
| Q3 24 | $2.1B | $82.5B | ||
| Q2 24 | $2.1B | $80.2B |
负债/权益比FNWDLIN
| Q1 26 | — | 0.62× | ||
| Q4 25 | — | 0.54× | ||
| Q3 25 | — | 0.48× | ||
| Q2 25 | — | 0.51× | ||
| Q1 25 | — | 0.46× | ||
| Q4 24 | — | 0.40× | ||
| Q3 24 | — | 0.45× | ||
| Q2 24 | — | 0.44× |
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 | $898.0K |
| 自由现金流率自由现金流/营收 | 54.8% | 10.2% |
| 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 | $4.2B |
8季度趋势，按日历期对齐
经营现金流FNWDLIN
| Q1 26 | — | — | ||
| Q4 25 | $9.9M | $3.0B | ||
| Q3 25 | $1.2M | $2.9B | ||
| Q2 25 | $4.8M | $2.2B | ||
| Q1 25 | $-3.8M | $2.2B | ||
| Q4 24 | $9.8M | $2.8B | ||
| Q3 24 | $-3.7M | $2.7B | ||
| Q2 24 | $2.8M | $1.9B |
自由现金流FNWDLIN
| Q1 26 | — | $898.0K | ||
| Q4 25 | $9.0M | $1.6B | ||
| Q3 25 | $1.0M | $1.7B | ||
| Q2 25 | $4.5M | $954.0M | ||
| Q1 25 | $-4.0M | $891.0M | ||
| Q4 24 | $6.7M | $1.6B | ||
| Q3 24 | $-4.2M | $1.7B | ||
| Q2 24 | $1.1M | $796.0M |
自由现金流率FNWDLIN
| Q1 26 | — | 10.2% | ||
| Q4 25 | 54.8% | 17.9% | ||
| Q3 25 | 6.0% | 19.4% | ||
| Q2 25 | 27.0% | 11.2% | ||
| Q1 25 | -25.7% | 11.0% | ||
| Q4 24 | 41.2% | 18.8% | ||
| Q3 24 | -28.5% | 19.9% | ||
| Q2 24 | 7.6% | 9.6% |
资本支出强度FNWDLIN
| Q1 26 | — | — | ||
| Q4 25 | 5.2% | 16.6% | ||
| Q3 25 | 0.9% | 14.8% | ||
| Q2 25 | 1.7% | 14.8% | ||
| Q1 25 | 1.2% | 15.7% | ||
| Q4 24 | 18.8% | 15.1% | ||
| Q3 24 | 3.4% | 12.8% | ||
| Q2 24 | 11.2% | 13.7% |
现金转化率FNWDLIN
| Q1 26 | — | — | ||
| Q4 25 | 4.99× | 1.98× | ||
| Q3 25 | 0.34× | 1.53× | ||
| Q2 25 | 2.22× | 1.25× | ||
| Q1 25 | -8.37× | 1.29× | ||
| Q4 24 | 4.66× | 1.63× | ||
| Q3 24 | -6.15× | 1.76× | ||
| Q2 24 | 19.23× | 1.16× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
