vs
Finward Bancorp（FNWD）与PROVIDENT FINANCIAL HOLDINGS INC（PROV）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PROVIDENT FINANCIAL HOLDINGS INC的1.7倍（$16.5M vs $9.8M），PROVIDENT FINANCIAL HOLDINGS INC净利率更高（14.6% vs 12.0%，领先2.6%），PROVIDENT FINANCIAL HOLDINGS INC同比增速更快（2.5% vs 1.1%），Finward Bancorp自由现金流更多（$9.0M vs $1.0M），过去两年PROVIDENT FINANCIAL HOLDINGS INC的营收复合增速更高（2.3% 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。
普罗维登特金融控股公司是一家银行控股企业，通过旗下全资子公司普罗维登特储蓄银行开展业务，为美国加利福尼亚州当地社区提供各类存款、住房抵押贷款、消费贷款、小微企业融资等零售及商业金融服务。
FNWD vs PROV — 直观对比
营收规模更大
FNWD
是对方的1.7倍
$9.8M
营收增速更快
PROV
高出1.4%
1.1%
净利率更高
PROV
高出2.6%
12.0%
自由现金流更多
FNWD
多$8.0M
$1.0M
两年增速更快
PROV
近两年复合增速
-19.1%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $16.5M | $9.8M |
| 净利润 | $2.0M | $1.4M |
| 毛利率 | — | — |
| 营业利润率 | 11.0% | 20.8% |
| 净利率 | 12.0% | 14.6% |
| 营收同比 | 1.1% | 2.5% |
| 净利润同比 | -5.6% | 64.7% |
| 每股收益（稀释后） | $0.46 | $0.22 |
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FNWDPROV
| Q4 25 | $16.5M | $9.8M | ||
| Q3 25 | $17.4M | $9.7M | ||
| Q2 25 | $16.6M | $9.8M | ||
| Q1 25 | $15.5M | $10.1M | ||
| Q4 24 | $16.3M | $9.6M | ||
| Q3 24 | $14.9M | $9.5M | ||
| Q2 24 | $14.6M | $9.9M | ||
| Q1 24 | $25.3M | $9.4M |
净利润FNWDPROV
| Q4 25 | $2.0M | $1.4M | ||
| Q3 25 | $3.5M | $1.7M | ||
| Q2 25 | $2.2M | $1.6M | ||
| Q1 25 | $455.0K | $1.9M | ||
| Q4 24 | $2.1M | $872.0K | ||
| Q3 24 | $606.0K | $1.9M | ||
| Q2 24 | $143.0K | $2.0M | ||
| Q1 24 | $9.3M | $1.5M |
营业利润率FNWDPROV
| Q4 25 | 11.0% | 20.8% | ||
| Q3 25 | 20.5% | 28.1% | ||
| Q2 25 | 12.7% | 23.6% | ||
| Q1 25 | 4.0% | 26.2% | ||
| Q4 24 | 16.3% | 12.7% | ||
| Q3 24 | 2.7% | 28.3% | ||
| Q2 24 | 0.9% | 27.8% | ||
| Q1 24 | 40.6% | 22.5% |
净利率FNWDPROV
| Q4 25 | 12.0% | 14.6% | ||
| Q3 25 | 20.1% | 17.3% | ||
| Q2 25 | 12.9% | 16.7% | ||
| Q1 25 | 2.9% | 18.4% | ||
| Q4 24 | 12.9% | 9.1% | ||
| Q3 24 | 4.1% | 20.0% | ||
| Q2 24 | 1.0% | 19.7% | ||
| Q1 24 | 36.7% | 15.9% |
每股收益（稀释后）FNWDPROV
| Q4 25 | $0.46 | $0.22 | ||
| Q3 25 | $0.81 | $0.25 | ||
| Q2 25 | $0.50 | $0.24 | ||
| Q1 25 | $0.11 | $0.28 | ||
| Q4 24 | $0.50 | $0.13 | ||
| Q3 24 | $0.14 | $0.28 | ||
| Q2 24 | $0.03 | $0.28 | ||
| Q1 24 | $2.17 | $0.22 |
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 | — | $54.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $174.7M | $127.5M |
| 总资产 | $2.0B | $1.2B |
| 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FNWDPROV
| Q4 25 | — | $54.4M | ||
| Q3 25 | — | $49.4M | ||
| Q2 25 | — | $53.1M | ||
| Q1 25 | — | $50.9M | ||
| Q4 24 | — | $45.5M | ||
| Q3 24 | — | $48.2M | ||
| Q2 24 | — | $51.4M | ||
| Q1 24 | — | $51.7M |
股东权益FNWDPROV
| Q4 25 | $174.7M | $127.5M | ||
| Q3 25 | $165.5M | $128.4M | ||
| Q2 25 | $154.3M | $128.5M | ||
| Q1 25 | $151.8M | $128.9M | ||
| Q4 24 | $151.4M | $128.6M | ||
| Q3 24 | $159.6M | $129.6M | ||
| Q2 24 | $148.6M | $129.9M | ||
| Q1 24 | $151.6M | $129.5M |
总资产FNWDPROV
| Q4 25 | $2.0B | $1.2B | ||
| Q3 25 | $2.1B | $1.2B | ||
| Q2 25 | $2.1B | $1.2B | ||
| Q1 25 | $2.0B | $1.3B | ||
| Q4 24 | $2.1B | $1.3B | ||
| Q3 24 | $2.1B | $1.3B | ||
| Q2 24 | $2.1B | $1.3B | ||
| Q1 24 | $2.1B | $1.3B |
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 | $1.2M |
| 自由现金流经营现金流 - 资本支出 | $9.0M | $1.0M |
| 自由现金流率自由现金流/营收 | 54.8% | 10.5% |
| 资本支出强度资本支出/营收 | 5.2% | 1.9% |
| 现金转化率经营现金流/净利润 | 4.99× | 0.85× |
| 过去12个月自由现金流最近4个季度 | $10.6M | $14.9M |
8季度趋势，按日历期对齐
经营现金流FNWDPROV
| Q4 25 | $9.9M | $1.2M | ||
| Q3 25 | $1.2M | $2.5M | ||
| Q2 25 | $4.8M | $8.7M | ||
| Q1 25 | $-3.8M | $3.3M | ||
| Q4 24 | $9.8M | $324.0K | ||
| Q3 24 | $-3.7M | $2.6M | ||
| Q2 24 | $2.8M | $5.7M | ||
| Q1 24 | $-25.0K | $3.0M |
自由现金流FNWDPROV
| Q4 25 | $9.0M | $1.0M | ||
| Q3 25 | $1.0M | $2.5M | ||
| Q2 25 | $4.5M | $8.2M | ||
| Q1 25 | $-4.0M | $3.3M | ||
| Q4 24 | $6.7M | $307.0K | ||
| Q3 24 | $-4.2M | $2.4M | ||
| Q2 24 | $1.1M | $4.1M | ||
| Q1 24 | $-736.0K | $2.6M |
自由现金流率FNWDPROV
| Q4 25 | 54.8% | 10.5% | ||
| Q3 25 | 6.0% | 25.2% | ||
| Q2 25 | 27.0% | 83.5% | ||
| Q1 25 | -25.7% | 32.5% | ||
| Q4 24 | 41.2% | 3.2% | ||
| Q3 24 | -28.5% | 25.1% | ||
| Q2 24 | 7.6% | 41.3% | ||
| Q1 24 | -2.9% | 27.5% |
资本支出强度FNWDPROV
| Q4 25 | 5.2% | 1.9% | ||
| Q3 25 | 0.9% | 0.5% | ||
| Q2 25 | 1.7% | 5.4% | ||
| Q1 25 | 1.2% | 0.3% | ||
| Q4 24 | 18.8% | 0.2% | ||
| Q3 24 | 3.4% | 1.8% | ||
| Q2 24 | 11.2% | 16.0% | ||
| Q1 24 | 2.8% | 4.2% |
现金转化率FNWDPROV
| Q4 25 | 4.99× | 0.85× | ||
| Q3 25 | 0.34× | 1.48× | ||
| Q2 25 | 2.22× | 5.34× | ||
| Q1 25 | -8.37× | 1.79× | ||
| Q4 24 | 4.66× | 0.37× | ||
| Q3 24 | -6.15× | 1.35× | ||
| Q2 24 | 19.23× | 2.91× | ||
| Q1 24 | -0.00× | 2.00× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
