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Finward Bancorp（FNWD）与La Rosa Holdings Corp.（LRHC）财务数据对比。点击上方公司名可切换其他公司
La Rosa Holdings Corp.的季度营收约是Finward Bancorp的1.2倍（$20.2M vs $16.5M），Finward Bancorp净利率更高（12.0% vs -27.4%，领先39.4%），La Rosa Holdings Corp.同比增速更快（3.2% vs 1.1%），过去两年La Rosa Holdings Corp.的营收复合增速更高（72.5% 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。
拉罗萨控股旗下的万拉罗萨父子通心粉公司由西西里移民文森佐·拉罗萨于1914年创立，发展至今已成为美国规模领先的区域知名食品品牌，可生产四十余种意面产品，在当地市场拥有较高的认可度。
FNWD vs LRHC — 直观对比
营收规模更大
LRHC
是对方的1.2倍
$16.5M
营收增速更快
LRHC
高出2.1%
1.1%
净利率更高
FNWD
高出39.4%
-27.4%
两年增速更快
LRHC
近两年复合增速
-19.1%
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $16.5M | $20.2M |
| 净利润 | $2.0M | $-5.5M |
| 毛利率 | — | 8.4% |
| 营业利润率 | 11.0% | -24.7% |
| 净利率 | 12.0% | -27.4% |
| 营收同比 | 1.1% | 3.2% |
| 净利润同比 | -5.6% | -125.7% |
| 每股收益（稀释后） | $0.46 | $-5.44 |
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FNWDLRHC
| Q4 25 | $16.5M | — | ||
| Q3 25 | $17.4M | $20.2M | ||
| Q2 25 | $16.6M | $23.2M | ||
| Q1 25 | $15.5M | $17.5M | ||
| Q4 24 | $16.3M | $17.7M | ||
| Q3 24 | $14.9M | $19.6M | ||
| Q2 24 | $14.6M | $19.1M | ||
| Q1 24 | $25.3M | $13.1M |
净利润FNWDLRHC
| Q4 25 | $2.0M | — | ||
| Q3 25 | $3.5M | $-5.5M | ||
| Q2 25 | $2.2M | $78.4M | ||
| Q1 25 | $455.0K | $-95.7M | ||
| Q4 24 | $2.1M | $-5.1M | ||
| Q3 24 | $606.0K | $-2.5M | ||
| Q2 24 | $143.0K | $-2.3M | ||
| Q1 24 | $9.3M | $-4.6M |
毛利率FNWDLRHC
| Q4 25 | — | — | ||
| Q3 25 | — | 8.4% | ||
| Q2 25 | — | 8.0% | ||
| Q1 25 | — | 8.8% | ||
| Q4 24 | — | 8.9% | ||
| Q3 24 | — | 8.3% | ||
| Q2 24 | — | 8.3% | ||
| Q1 24 | — | 8.9% |
营业利润率FNWDLRHC
| Q4 25 | 11.0% | — | ||
| Q3 25 | 20.5% | -24.7% | ||
| Q2 25 | 12.7% | -10.6% | ||
| Q1 25 | 4.0% | -26.7% | ||
| Q4 24 | 16.3% | -17.1% | ||
| Q3 24 | 2.7% | -8.9% | ||
| Q2 24 | 0.9% | -9.7% | ||
| Q1 24 | 40.6% | -35.0% |
净利率FNWDLRHC
| Q4 25 | 12.0% | — | ||
| Q3 25 | 20.1% | -27.4% | ||
| Q2 25 | 12.9% | 337.8% | ||
| Q1 25 | 2.9% | -546.5% | ||
| Q4 24 | 12.9% | -28.7% | ||
| Q3 24 | 4.1% | -12.5% | ||
| Q2 24 | 1.0% | -12.2% | ||
| Q1 24 | 36.7% | -35.1% |
每股收益（稀释后）FNWDLRHC
| Q4 25 | $0.46 | — | ||
| Q3 25 | $0.81 | $-5.44 | ||
| Q2 25 | $0.50 | $15.25 | ||
| Q1 25 | $0.11 | $-5.86 | ||
| Q4 24 | $0.50 | $28.54 | ||
| Q3 24 | $0.14 | $-16.49 | ||
| Q2 24 | $0.03 | $-12.49 | ||
| Q1 24 | $2.17 | $-0.35 |
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 | — | $642.8K |
| 股东权益账面价值 | $174.7M | $1.6M |
| 总资产 | $2.0B | $21.7M |
| 负债/权益比越低杠杆越低 | — | 0.41× |
8季度趋势，按日历期对齐
现金及短期投资FNWDLRHC
| Q4 25 | — | — | ||
| Q3 25 | — | $4.0M | ||
| Q2 25 | — | $5.1M | ||
| Q1 25 | — | $2.9M | ||
| Q4 24 | — | $1.4M | ||
| Q3 24 | — | $1.8M | ||
| Q2 24 | — | $1.6M | ||
| Q1 24 | — | $1.1M |
总债务FNWDLRHC
| Q4 25 | — | — | ||
| Q3 25 | — | $642.8K | ||
| Q2 25 | — | $644.3K | ||
| Q1 25 | — | $645.9K | ||
| Q4 24 | — | $647.6K | ||
| Q3 24 | — | $649.2K | ||
| Q2 24 | — | $650.8K | ||
| Q1 24 | — | $652.4K |
股东权益FNWDLRHC
| Q4 25 | $174.7M | — | ||
| Q3 25 | $165.5M | $1.6M | ||
| Q2 25 | $154.3M | $3.4M | ||
| Q1 25 | $151.8M | $-87.5M | ||
| Q4 24 | $151.4M | $2.6M | ||
| Q3 24 | $159.6M | $5.0M | ||
| Q2 24 | $148.6M | $4.7M | ||
| Q1 24 | $151.6M | $5.6M |
总资产FNWDLRHC
| Q4 25 | $2.0B | — | ||
| Q3 25 | $2.1B | $21.7M | ||
| Q2 25 | $2.1B | $22.9M | ||
| Q1 25 | $2.0B | $21.0M | ||
| Q4 24 | $2.1B | $19.4M | ||
| Q3 24 | $2.1B | $19.7M | ||
| Q2 24 | $2.1B | $18.7M | ||
| Q1 24 | $2.1B | $16.3M |
负债/权益比FNWDLRHC
| Q4 25 | — | — | ||
| Q3 25 | — | 0.41× | ||
| Q2 25 | — | 0.19× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.25× | ||
| Q3 24 | — | 0.13× | ||
| Q2 24 | — | 0.14× | ||
| Q1 24 | — | 0.12× |
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% | — |
| 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FNWDLRHC
| Q4 25 | $9.9M | — | ||
| Q3 25 | $1.2M | $-1.3M | ||
| Q2 25 | $4.8M | $-1.4M | ||
| Q1 25 | $-3.8M | $-3.5M | ||
| Q4 24 | $9.8M | $-1.1M | ||
| Q3 24 | $-3.7M | $-591.6K | ||
| Q2 24 | $2.8M | $-803.1K | ||
| Q1 24 | $-25.0K | $-538.3K |
自由现金流FNWDLRHC
| Q4 25 | $9.0M | — | ||
| Q3 25 | $1.0M | — | ||
| Q2 25 | $4.5M | — | ||
| Q1 25 | $-4.0M | — | ||
| Q4 24 | $6.7M | — | ||
| Q3 24 | $-4.2M | — | ||
| Q2 24 | $1.1M | — | ||
| Q1 24 | $-736.0K | — |
自由现金流率FNWDLRHC
| Q4 25 | 54.8% | — | ||
| Q3 25 | 6.0% | — | ||
| Q2 25 | 27.0% | — | ||
| Q1 25 | -25.7% | — | ||
| Q4 24 | 41.2% | — | ||
| Q3 24 | -28.5% | — | ||
| Q2 24 | 7.6% | — | ||
| Q1 24 | -2.9% | — |
资本支出强度FNWDLRHC
| Q4 25 | 5.2% | — | ||
| Q3 25 | 0.9% | — | ||
| Q2 25 | 1.7% | — | ||
| Q1 25 | 1.2% | — | ||
| Q4 24 | 18.8% | — | ||
| Q3 24 | 3.4% | — | ||
| Q2 24 | 11.2% | — | ||
| Q1 24 | 2.8% | — |
现金转化率FNWDLRHC
| Q4 25 | 4.99× | — | ||
| Q3 25 | 0.34× | — | ||
| Q2 25 | 2.22× | -0.02× | ||
| 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
业务分部营收拆解
FNWD
暂无分部数据
LRHC
| Real Estate Residential Brokerage Services | $16.8M | 83% |
| Transferred Over Time | $3.5M | 17% |
