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Finward Bancorp（FNWD）与FiscalNote Holdings, Inc.（NOTE）财务数据对比。点击上方公司名可切换其他公司
FiscalNote Holdings, Inc.的季度营收约是Finward Bancorp的1.3倍（$22.2M vs $16.5M），Finward Bancorp同比增速更快（1.1% vs -24.7%），Finward Bancorp自由现金流更多（$9.0M vs $-1.9M），过去两年FiscalNote Holdings, Inc.的营收复合增速更高（-16.8% 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。
FiscalNote Holdings, Inc.（常称FiscalNote）是一家上市的软件数据与传媒企业，总部位于美国华盛顿特区，2013年由三位创始人创立。核心业务为通过政府关系管理服务FiscalNote GRM提供软件工具、平台、数据服务与资讯，同时依托人工智能平台分析美国待审议法案相关内容。
FNWD vs NOTE — 直观对比
营收规模更大
NOTE
是对方的1.3倍
$16.5M
营收增速更快
FNWD
高出25.7%
-24.7%
自由现金流更多
FNWD
多$11.0M
$-1.9M
两年增速更快
NOTE
近两年复合增速
-19.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $16.5M | $22.2M |
| 净利润 | $2.0M | — |
| 毛利率 | — | — |
| 营业利润率 | 11.0% | -83.7% |
| 净利率 | 12.0% | — |
| 营收同比 | 1.1% | -24.7% |
| 净利润同比 | -5.6% | — |
| 每股收益（稀释后） | $0.46 | $-2.81 |
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FNWDNOTE
| Q4 25 | $16.5M | $22.2M | ||
| Q3 25 | $17.4M | $22.4M | ||
| Q2 25 | $16.6M | $23.3M | ||
| Q1 25 | $15.5M | $27.5M | ||
| Q4 24 | $16.3M | $29.5M | ||
| Q3 24 | $14.9M | $29.4M | ||
| Q2 24 | $14.6M | $29.2M | ||
| Q1 24 | $25.3M | $32.1M |
净利润FNWDNOTE
| Q4 25 | $2.0M | — | ||
| Q3 25 | $3.5M | $-24.9M | ||
| Q2 25 | $2.2M | $-13.3M | ||
| Q1 25 | $455.0K | $-4.3M | ||
| Q4 24 | $2.1M | — | ||
| Q3 24 | $606.0K | $-14.9M | ||
| Q2 24 | $143.0K | $-12.8M | ||
| Q1 24 | $9.3M | $50.6M |
营业利润率FNWDNOTE
| Q4 25 | 11.0% | -83.7% | ||
| Q3 25 | 20.5% | -43.4% | ||
| Q2 25 | 12.7% | -31.9% | ||
| Q1 25 | 4.0% | -50.0% | ||
| Q4 24 | 16.3% | -19.4% | ||
| Q3 24 | 2.7% | -23.1% | ||
| Q2 24 | 0.9% | -27.2% | ||
| Q1 24 | 40.6% | -35.6% |
净利率FNWDNOTE
| Q4 25 | 12.0% | — | ||
| Q3 25 | 20.1% | -110.8% | ||
| Q2 25 | 12.9% | -57.0% | ||
| Q1 25 | 2.9% | -15.4% | ||
| Q4 24 | 12.9% | — | ||
| Q3 24 | 4.1% | -50.7% | ||
| Q2 24 | 1.0% | -43.6% | ||
| Q1 24 | 36.7% | 157.6% |
每股收益（稀释后）FNWDNOTE
| Q4 25 | $0.46 | $-2.81 | ||
| Q3 25 | $0.81 | $-1.73 | ||
| Q2 25 | $0.50 | $-0.08 | ||
| Q1 25 | $0.11 | $-0.03 | ||
| Q4 24 | $0.50 | $1.88 | ||
| Q3 24 | $0.14 | $-1.33 | ||
| Q2 24 | $0.03 | $-0.09 | ||
| Q1 24 | $2.17 | $0.37 |
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 | — | $26.3M |
| 总债务越低越好 | — | $128.4M |
| 股东权益账面价值 | $174.7M | $62.0M |
| 总资产 | $2.0B | $255.1M |
| 负债/权益比越低杠杆越低 | — | 2.07× |
8季度趋势，按日历期对齐
现金及短期投资FNWDNOTE
| Q4 25 | — | $26.3M | ||
| Q3 25 | — | $31.2M | ||
| Q2 25 | — | $38.5M | ||
| Q1 25 | — | $46.3M | ||
| Q4 24 | — | $34.6M | ||
| Q3 24 | — | $32.7M | ||
| Q2 24 | — | $37.7M | ||
| Q1 24 | — | $43.6M |
总债务FNWDNOTE
| Q4 25 | — | $128.4M | ||
| Q3 25 | — | $131.5M | ||
| Q2 25 | — | $116.7M | ||
| Q1 25 | — | $118.0M | ||
| Q4 24 | — | $147.1M | ||
| Q3 24 | — | $152.2M | ||
| Q2 24 | — | $145.9M | ||
| Q1 24 | — | $153.0M |
股东权益FNWDNOTE
| Q4 25 | $174.7M | $62.0M | ||
| Q3 25 | $165.5M | $75.5M | ||
| Q2 25 | $154.3M | $95.1M | ||
| Q1 25 | $151.8M | $98.7M | ||
| Q4 24 | $151.4M | $97.8M | ||
| Q3 24 | $159.6M | $98.5M | ||
| Q2 24 | $148.6M | $106.9M | ||
| Q1 24 | $151.6M | $106.1M |
总资产FNWDNOTE
| Q4 25 | $2.0B | $255.1M | ||
| Q3 25 | $2.1B | $273.9M | ||
| Q2 25 | $2.1B | $288.3M | ||
| Q1 25 | $2.0B | $299.7M | ||
| Q4 24 | $2.1B | $326.2M | ||
| Q3 24 | $2.1B | $337.9M | ||
| Q2 24 | $2.1B | $346.3M | ||
| Q1 24 | $2.1B | $357.8M |
负债/权益比FNWDNOTE
| Q4 25 | — | 2.07× | ||
| Q3 25 | — | 1.74× | ||
| Q2 25 | — | 1.23× | ||
| Q1 25 | — | 1.20× | ||
| Q4 24 | — | 1.50× | ||
| Q3 24 | — | 1.54× | ||
| Q2 24 | — | 1.36× | ||
| Q1 24 | — | 1.44× |
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 | $-279.0K |
| 自由现金流经营现金流 - 资本支出 | $9.0M | $-1.9M |
| 自由现金流率自由现金流/营收 | 54.8% | -8.7% |
| 资本支出强度资本支出/营收 | 5.2% | 7.4% |
| 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 | $-18.6M |
8季度趋势，按日历期对齐
经营现金流FNWDNOTE
| Q4 25 | $9.9M | $-279.0K | ||
| Q3 25 | $1.2M | $-8.3M | ||
| Q2 25 | $4.8M | $-6.2M | ||
| Q1 25 | $-3.8M | $3.3M | ||
| Q4 24 | $9.8M | $-1.3M | ||
| Q3 24 | $-3.7M | $-3.0M | ||
| Q2 24 | $2.8M | $-3.7M | ||
| Q1 24 | $-25.0K | $2.7M |
自由现金流FNWDNOTE
| Q4 25 | $9.0M | $-1.9M | ||
| Q3 25 | $1.0M | $-10.4M | ||
| Q2 25 | $4.5M | $-7.7M | ||
| Q1 25 | $-4.0M | $1.3M | ||
| Q4 24 | $6.7M | $-3.4M | ||
| Q3 24 | $-4.2M | $-5.4M | ||
| Q2 24 | $1.1M | $-6.5M | ||
| Q1 24 | $-736.0K | $1.0M |
自由现金流率FNWDNOTE
| Q4 25 | 54.8% | -8.7% | ||
| Q3 25 | 6.0% | -46.2% | ||
| Q2 25 | 27.0% | -33.0% | ||
| Q1 25 | -25.7% | 4.7% | ||
| Q4 24 | 41.2% | -11.4% | ||
| Q3 24 | -28.5% | -18.4% | ||
| Q2 24 | 7.6% | -22.1% | ||
| Q1 24 | -2.9% | 3.3% |
资本支出强度FNWDNOTE
| Q4 25 | 5.2% | 7.4% | ||
| Q3 25 | 0.9% | 9.3% | ||
| Q2 25 | 1.7% | 6.4% | ||
| Q1 25 | 1.2% | 7.2% | ||
| Q4 24 | 18.8% | 6.8% | ||
| Q3 24 | 3.4% | 8.3% | ||
| Q2 24 | 11.2% | 9.4% | ||
| Q1 24 | 2.8% | 5.3% |
现金转化率FNWDNOTE
| 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× | 0.05× |
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
NOTE
| Subscription | $21.2M | 95% |
| Advisory Advertising And Other | $1.0M | 5% |
