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Finward Bancorp（FNWD）与PodcastOne, Inc.（PODC）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PodcastOne, Inc.的1.0倍（$16.5M vs $15.9M），Finward Bancorp净利率更高（12.0% vs -1.0%，领先13.0%），PodcastOne, Inc.同比增速更快（24.8% vs 1.1%），Finward Bancorp自由现金流更多（$9.0M vs $489.0K），过去两年PodcastOne, Inc.的营收复合增速更高（16.4% 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。
PodcastOne是一家知名音频娱乐企业，专注于播客制作、分发与变现业务，旗下拥有覆盖真实罪案、喜剧、新闻、体育、生活方式等品类的海量原创及授权播客内容，服务全球听众，同时为创作者和品牌提供广告解决方案。
FNWD vs PODC — 直观对比
营收规模更大
FNWD
是对方的1.0倍
$15.9M
营收增速更快
PODC
高出23.7%
1.1%
净利率更高
FNWD
高出13.0%
-1.0%
自由现金流更多
FNWD
多$8.6M
$489.0K
两年增速更快
PODC
近两年复合增速
-19.1%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $16.5M | $15.9M |
| 净利润 | $2.0M | $-154.0K |
| 毛利率 | — | 16.5% |
| 营业利润率 | 11.0% | -1.0% |
| 净利率 | 12.0% | -1.0% |
| 营收同比 | 1.1% | 24.8% |
| 净利润同比 | -5.6% | 90.3% |
| 每股收益（稀释后） | $0.46 | — |
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FNWDPODC
| Q4 25 | $16.5M | $15.9M | ||
| Q3 25 | $17.4M | $15.2M | ||
| Q2 25 | $16.6M | $15.0M | ||
| Q1 25 | $15.5M | $14.1M | ||
| Q4 24 | $16.3M | $12.7M | ||
| Q3 24 | $14.9M | $12.2M | ||
| Q2 24 | $14.6M | $13.2M | ||
| Q1 24 | $25.3M | $11.7M |
净利润FNWDPODC
| Q4 25 | $2.0M | $-154.0K | ||
| Q3 25 | $3.5M | $-975.0K | ||
| Q2 25 | $2.2M | $-1.1M | ||
| Q1 25 | $455.0K | $-1.8M | ||
| Q4 24 | $2.1M | $-1.6M | ||
| Q3 24 | $606.0K | $-1.7M | ||
| Q2 24 | $143.0K | $-1.4M | ||
| Q1 24 | $9.3M | $-1.0M |
毛利率FNWDPODC
| Q4 25 | — | 16.5% | ||
| Q3 25 | — | 10.6% | ||
| Q2 25 | — | 9.6% | ||
| Q1 25 | — | 10.9% | ||
| Q4 24 | — | 5.7% | ||
| Q3 24 | — | 8.3% | ||
| Q2 24 | — | 11.0% | ||
| Q1 24 | — | 8.9% |
营业利润率FNWDPODC
| Q4 25 | 11.0% | -1.0% | ||
| Q3 25 | 20.5% | -6.4% | ||
| Q2 25 | 12.7% | -7.0% | ||
| Q1 25 | 4.0% | -13.0% | ||
| Q4 24 | 16.3% | -12.4% | ||
| Q3 24 | 2.7% | -13.6% | ||
| Q2 24 | 0.9% | -10.4% | ||
| Q1 24 | 40.6% | -10.1% |
净利率FNWDPODC
| Q4 25 | 12.0% | -1.0% | ||
| Q3 25 | 20.1% | -6.4% | ||
| Q2 25 | 12.9% | -7.0% | ||
| Q1 25 | 2.9% | -13.1% | ||
| Q4 24 | 12.9% | -12.5% | ||
| Q3 24 | 4.1% | -13.7% | ||
| Q2 24 | 1.0% | -10.4% | ||
| Q1 24 | 36.7% | -9.0% |
每股收益（稀释后）FNWDPODC
| Q4 25 | $0.46 | — | ||
| Q3 25 | $0.81 | — | ||
| Q2 25 | $0.50 | — | ||
| Q1 25 | $0.11 | — | ||
| Q4 24 | $0.50 | — | ||
| Q3 24 | $0.14 | — | ||
| Q2 24 | $0.03 | — | ||
| Q1 24 | $2.17 | — |
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 | — | $3.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $174.7M | $15.8M |
| 总资产 | $2.0B | $24.7M |
| 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FNWDPODC
| Q4 25 | — | $3.4M | ||
| Q3 25 | — | $2.7M | ||
| Q2 25 | — | $1.9M | ||
| Q1 25 | — | $1.1M | ||
| Q4 24 | — | $572.0K | ||
| Q3 24 | — | $1.4M | ||
| Q2 24 | — | $891.0K | ||
| Q1 24 | — | $1.4M |
股东权益FNWDPODC
| Q4 25 | $174.7M | $15.8M | ||
| Q3 25 | $165.5M | $14.7M | ||
| Q2 25 | $154.3M | $14.7M | ||
| Q1 25 | $151.8M | $15.1M | ||
| Q4 24 | $151.4M | $15.0M | ||
| Q3 24 | $159.6M | $15.5M | ||
| Q2 24 | $148.6M | $15.7M | ||
| Q1 24 | $151.6M | $16.3M |
总资产FNWDPODC
| Q4 25 | $2.0B | $24.7M | ||
| Q3 25 | $2.1B | $22.6M | ||
| Q2 25 | $2.1B | $22.3M | ||
| Q1 25 | $2.0B | $20.8M | ||
| Q4 24 | $2.1B | $20.6M | ||
| Q3 24 | $2.1B | $23.1M | ||
| Q2 24 | $2.1B | $24.0M | ||
| Q1 24 | $2.1B | $24.1M |
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 | $579.0K |
| 自由现金流经营现金流 - 资本支出 | $9.0M | $489.0K |
| 自由现金流率自由现金流/营收 | 54.8% | 3.1% |
| 资本支出强度资本支出/营收 | 5.2% | 0.6% |
| 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FNWDPODC
| Q4 25 | $9.9M | $579.0K | ||
| Q3 25 | $1.2M | $877.0K | ||
| Q2 25 | $4.8M | $903.0K | ||
| Q1 25 | $-3.8M | $506.0K | ||
| Q4 24 | $9.8M | $-763.0K | ||
| Q3 24 | $-3.7M | $525.0K | ||
| Q2 24 | $2.8M | $-480.0K | ||
| Q1 24 | $-25.0K | — |
自由现金流FNWDPODC
| Q4 25 | $9.0M | $489.0K | ||
| Q3 25 | $1.0M | — | ||
| Q2 25 | $4.5M | $791.0K | ||
| Q1 25 | $-4.0M | $505.0K | ||
| Q4 24 | $6.7M | $-783.0K | ||
| Q3 24 | $-4.2M | $464.0K | ||
| Q2 24 | $1.1M | $-554.0K | ||
| Q1 24 | $-736.0K | — |
自由现金流率FNWDPODC
| Q4 25 | 54.8% | 3.1% | ||
| Q3 25 | 6.0% | — | ||
| Q2 25 | 27.0% | 5.3% | ||
| Q1 25 | -25.7% | 3.6% | ||
| Q4 24 | 41.2% | -6.2% | ||
| Q3 24 | -28.5% | 3.8% | ||
| Q2 24 | 7.6% | -4.2% | ||
| Q1 24 | -2.9% | — |
资本支出强度FNWDPODC
| Q4 25 | 5.2% | 0.6% | ||
| Q3 25 | 0.9% | 0.0% | ||
| Q2 25 | 1.7% | 0.7% | ||
| Q1 25 | 1.2% | 0.0% | ||
| Q4 24 | 18.8% | 0.2% | ||
| Q3 24 | 3.4% | 0.5% | ||
| Q2 24 | 11.2% | 0.6% | ||
| Q1 24 | 2.8% | — |
现金转化率FNWDPODC
| 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× | — |
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
PODC
| Other | $9.0M | 56% |
| Barter | $6.9M | 44% |
