vs
Finward Bancorp（FNWD）与Maison Solutions Inc.（MSS）财务数据对比。点击上方公司名可切换其他公司
Maison Solutions Inc.的季度营收约是Finward Bancorp的1.7倍（$27.6M vs $16.5M），Finward Bancorp净利率更高（12.0% vs -18.0%，领先30.0%），Finward Bancorp同比增速更快（1.1% vs -10.9%），过去两年Maison Solutions Inc.的营收复合增速更高（42.5% 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。
Maison Solutions Inc.是一家专注于家居零售的企业，主要运营市场位于中国粤港澳大湾区，面向大众消费者提供高性价比的时尚家具、家居装饰用品及日常家用百货，同时布局线下实体门店与线上电商销售渠道。
FNWD vs MSS — 直观对比
营收规模更大
MSS
是对方的1.7倍
$16.5M
营收增速更快
FNWD
高出12.0%
-10.9%
净利率更高
FNWD
高出30.0%
-18.0%
两年增速更快
MSS
近两年复合增速
-19.1%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $16.5M | $27.6M |
| 净利润 | $2.0M | $-5.0M |
| 毛利率 | — | 23.4% |
| 营业利润率 | 11.0% | -4.9% |
| 净利率 | 12.0% | -18.0% |
| 营收同比 | 1.1% | -10.9% |
| 净利润同比 | -5.6% | -1840.5% |
| 每股收益（稀释后） | $0.46 | $-0.23 |
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FNWDMSS
| Q4 25 | $16.5M | $27.6M | ||
| Q3 25 | $17.4M | $27.2M | ||
| Q2 25 | $16.6M | $34.4M | ||
| Q1 25 | $15.5M | $32.3M | ||
| Q4 24 | $16.3M | $29.4M | ||
| Q3 24 | $14.9M | $28.2M | ||
| Q2 24 | $14.6M | $16.9M | ||
| Q1 24 | $25.3M | $13.6M |
净利润FNWDMSS
| Q4 25 | $2.0M | $-5.0M | ||
| Q3 25 | $3.5M | $-1.5M | ||
| Q2 25 | $2.2M | $-287.4K | ||
| Q1 25 | $455.0K | $1.0M | ||
| Q4 24 | $2.1M | $-256.0K | ||
| Q3 24 | $606.0K | $700.9K | ||
| Q2 24 | $143.0K | $-2.8M | ||
| Q1 24 | $9.3M | $-549.0K |
毛利率FNWDMSS
| Q4 25 | — | 23.4% | ||
| Q3 25 | — | 24.1% | ||
| Q2 25 | — | 9.5% | ||
| Q1 25 | — | 21.8% | ||
| Q4 24 | — | 26.9% | ||
| Q3 24 | — | 28.9% | ||
| Q2 24 | — | 13.0% | ||
| Q1 24 | — | 23.4% |
营业利润率FNWDMSS
| Q4 25 | 11.0% | -4.9% | ||
| Q3 25 | 20.5% | 0.7% | ||
| Q2 25 | 12.7% | -15.9% | ||
| Q1 25 | 4.0% | 3.7% | ||
| Q4 24 | 16.3% | 3.2% | ||
| Q3 24 | 2.7% | 7.3% | ||
| Q2 24 | 0.9% | -14.4% | ||
| Q1 24 | 40.6% | -2.3% |
净利率FNWDMSS
| Q4 25 | 12.0% | -18.0% | ||
| Q3 25 | 20.1% | -5.7% | ||
| Q2 25 | 12.9% | -0.8% | ||
| Q1 25 | 2.9% | 3.1% | ||
| Q4 24 | 12.9% | -0.9% | ||
| Q3 24 | 4.1% | 2.5% | ||
| Q2 24 | 1.0% | -16.4% | ||
| Q1 24 | 36.7% | -4.0% |
每股收益（稀释后）FNWDMSS
| Q4 25 | $0.46 | $-0.23 | ||
| Q3 25 | $0.81 | $-0.08 | ||
| Q2 25 | $0.50 | $-0.02 | ||
| Q1 25 | $0.11 | $0.06 | ||
| Q4 24 | $0.50 | $-0.01 | ||
| Q3 24 | $0.14 | $0.04 | ||
| Q2 24 | $0.03 | $-0.16 | ||
| Q1 24 | $2.17 | $-0.03 |
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 | — | — |
| 总债务越低越好 | — | $2.6M |
| 股东权益账面价值 | $174.7M | $11.6M |
| 总资产 | $2.0B | $75.4M |
| 负债/权益比越低杠杆越低 | — | 0.22× |
8季度趋势，按日历期对齐
现金及短期投资FNWDMSS
| Q4 25 | — | — | ||
| Q3 25 | — | $1.1M | ||
| Q2 25 | — | $775.4K | ||
| Q1 25 | — | $445.4K | ||
| Q4 24 | — | $355.7K | ||
| Q3 24 | — | $588.9K | ||
| Q2 24 | — | $2.1M | ||
| Q1 24 | — | $9.4M |
总债务FNWDMSS
| Q4 25 | — | $2.6M | ||
| Q3 25 | — | $2.6M | ||
| Q2 25 | — | $2.6M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $2.5M | ||
| Q2 24 | — | $2.6M | ||
| Q1 24 | — | $2.6M |
股东权益FNWDMSS
| Q4 25 | $174.7M | $11.6M | ||
| Q3 25 | $165.5M | $10.1M | ||
| Q2 25 | $154.3M | $11.7M | ||
| Q1 25 | $151.8M | $12.0M | ||
| Q4 24 | $151.4M | $10.9M | ||
| Q3 24 | $159.6M | $11.2M | ||
| Q2 24 | $148.6M | $10.5M | ||
| Q1 24 | $151.6M | $13.3M |
总资产FNWDMSS
| Q4 25 | $2.0B | $75.4M | ||
| Q3 25 | $2.1B | $73.3M | ||
| Q2 25 | $2.1B | $77.4M | ||
| Q1 25 | $2.0B | $82.7M | ||
| Q4 24 | $2.1B | $82.7M | ||
| Q3 24 | $2.1B | $82.1M | ||
| Q2 24 | $2.1B | $82.4M | ||
| Q1 24 | $2.1B | $44.2M |
负债/权益比FNWDMSS
| Q4 25 | — | 0.22× | ||
| Q3 25 | — | 0.26× | ||
| Q2 25 | — | 0.22× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.23× | ||
| Q2 24 | — | 0.24× | ||
| Q1 24 | — | 0.19× |
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 | $-1.7M |
| 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FNWDMSS
| Q4 25 | $9.9M | $-1.7M | ||
| Q3 25 | $1.2M | $1.1M | ||
| Q2 25 | $4.8M | $-1.6M | ||
| Q1 25 | $-3.8M | $1.7M | ||
| Q4 24 | $9.8M | $1.1M | ||
| Q3 24 | $-3.7M | $3.6M | ||
| Q2 24 | $2.8M | $-2.6M | ||
| Q1 24 | $-25.0K | $-1.4M |
自由现金流FNWDMSS
| 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FNWDMSS
| 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FNWDMSS
| 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FNWDMSS
| Q4 25 | 4.99× | — | ||
| Q3 25 | 0.34× | — | ||
| Q2 25 | 2.22× | — | ||
| Q1 25 | -8.37× | 1.66× | ||
| Q4 24 | 4.66× | — | ||
| Q3 24 | -6.15× | 5.12× | ||
| 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
MSS
| Perishables | $14.4M | 52% |
| Nonperishables | $13.2M | 48% |
