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Finward Bancorp（FNWD）与R F INDUSTRIES LTD（RFIL）财务数据对比。点击上方公司名可切换其他公司
R F INDUSTRIES LTD的季度营收约是Finward Bancorp的1.4倍（$22.7M vs $16.5M），Finward Bancorp净利率更高（12.0% vs 0.8%，领先11.3%），R F INDUSTRIES LTD同比增速更快（22.9% vs 1.1%），Finward Bancorp自由现金流更多（$9.0M vs $2.0M），过去两年R F INDUSTRIES LTD的营收复合增速更高（29.8% 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。
妥思卷工业是一家总部位于美国伊利诺伊州芝加哥的糖果制造商，旗下最知名的产品包括同名的Tootsie Roll软糖以及Tootsie Pop棒棒糖，目前其品牌产品销往加拿大、墨西哥等全球超过75个国家。
FNWD vs RFIL — 直观对比
营收规模更大
RFIL
是对方的1.4倍
$16.5M
营收增速更快
RFIL
高出21.9%
1.1%
净利率更高
FNWD
高出11.3%
0.8%
自由现金流更多
FNWD
多$7.0M
$2.0M
两年增速更快
RFIL
近两年复合增速
-19.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $16.5M | $22.7M |
| 净利润 | $2.0M | $173.0K |
| 毛利率 | — | 36.8% |
| 营业利润率 | 11.0% | 4.0% |
| 净利率 | 12.0% | 0.8% |
| 营收同比 | 1.1% | 22.9% |
| 净利润同比 | -5.6% | 172.7% |
| 每股收益（稀释后） | $0.46 | $0.01 |
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FNWDRFIL
| Q4 25 | $16.5M | $22.7M | ||
| Q3 25 | $17.4M | $19.8M | ||
| Q2 25 | $16.6M | $18.9M | ||
| Q1 25 | $15.5M | $19.2M | ||
| Q4 24 | $16.3M | $18.5M | ||
| Q3 24 | $14.9M | $16.8M | ||
| Q2 24 | $14.6M | $16.1M | ||
| Q1 24 | $25.3M | $13.5M |
净利润FNWDRFIL
| Q4 25 | $2.0M | $173.0K | ||
| Q3 25 | $3.5M | $392.0K | ||
| Q2 25 | $2.2M | $-245.0K | ||
| Q1 25 | $455.0K | $-245.0K | ||
| Q4 24 | $2.1M | $-238.0K | ||
| Q3 24 | $606.0K | $-705.0K | ||
| Q2 24 | $143.0K | $-4.3M | ||
| Q1 24 | $9.3M | $-1.4M |
毛利率FNWDRFIL
| Q4 25 | — | 36.8% | ||
| Q3 25 | — | 34.0% | ||
| Q2 25 | — | 31.5% | ||
| Q1 25 | — | 29.8% | ||
| Q4 24 | — | 31.3% | ||
| Q3 24 | — | 29.5% | ||
| Q2 24 | — | 29.9% | ||
| Q1 24 | — | 24.5% |
营业利润率FNWDRFIL
| Q4 25 | 11.0% | 4.0% | ||
| Q3 25 | 20.5% | 3.6% | ||
| Q2 25 | 12.7% | 0.6% | ||
| Q1 25 | 4.0% | 0.3% | ||
| Q4 24 | 16.3% | 0.5% | ||
| Q3 24 | 2.7% | -2.5% | ||
| Q2 24 | 0.9% | -2.6% | ||
| Q1 24 | 40.6% | -15.5% |
净利率FNWDRFIL
| Q4 25 | 12.0% | 0.8% | ||
| Q3 25 | 20.1% | 2.0% | ||
| Q2 25 | 12.9% | -1.3% | ||
| Q1 25 | 2.9% | -1.3% | ||
| Q4 24 | 12.9% | -1.3% | ||
| Q3 24 | 4.1% | -4.2% | ||
| Q2 24 | 1.0% | -26.7% | ||
| Q1 24 | 36.7% | -10.1% |
每股收益（稀释后）FNWDRFIL
| Q4 25 | $0.46 | $0.01 | ||
| Q3 25 | $0.81 | $0.04 | ||
| Q2 25 | $0.50 | $-0.02 | ||
| Q1 25 | $0.11 | $-0.02 | ||
| Q4 24 | $0.50 | $-0.02 | ||
| Q3 24 | $0.14 | $-0.07 | ||
| Q2 24 | $0.03 | $-0.41 | ||
| Q1 24 | $2.17 | $-0.13 |
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 | — | $5.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $174.7M | $35.2M |
| 总资产 | $2.0B | $73.0M |
| 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FNWDRFIL
| Q4 25 | — | $5.1M | ||
| Q3 25 | — | $3.0M | ||
| Q2 25 | — | $3.6M | ||
| Q1 25 | — | $1.3M | ||
| Q4 24 | — | $839.0K | ||
| Q3 24 | — | $1.8M | ||
| Q2 24 | — | $1.4M | ||
| Q1 24 | — | $4.5M |
股东权益FNWDRFIL
| Q4 25 | $174.7M | $35.2M | ||
| Q3 25 | $165.5M | $34.8M | ||
| Q2 25 | $154.3M | $34.2M | ||
| Q1 25 | $151.8M | $34.2M | ||
| Q4 24 | $151.4M | $34.1M | ||
| Q3 24 | $159.6M | $34.1M | ||
| Q2 24 | $148.6M | $34.6M | ||
| Q1 24 | $151.6M | $38.7M |
总资产FNWDRFIL
| Q4 25 | $2.0B | $73.0M | ||
| Q3 25 | $2.1B | $73.2M | ||
| Q2 25 | $2.1B | $72.7M | ||
| Q1 25 | $2.0B | $70.4M | ||
| Q4 24 | $2.1B | $71.0M | ||
| Q3 24 | $2.1B | $71.9M | ||
| Q2 24 | $2.1B | $72.8M | ||
| Q1 24 | $2.1B | $79.1M |
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 | $2.1M |
| 自由现金流经营现金流 - 资本支出 | $9.0M | $2.0M |
| 自由现金流率自由现金流/营收 | 54.8% | 9.0% |
| 资本支出强度资本支出/营收 | 5.2% | 0.3% |
| 现金转化率经营现金流/净利润 | 4.99× | 12.13× |
| 过去12个月自由现金流最近4个季度 | $10.6M | $4.3M |
8季度趋势，按日历期对齐
经营现金流FNWDRFIL
| Q4 25 | $9.9M | $2.1M | ||
| Q3 25 | $1.2M | $-311.0K | ||
| Q2 25 | $4.8M | $2.2M | ||
| Q1 25 | $-3.8M | $601.0K | ||
| Q4 24 | $9.8M | $-244.0K | ||
| Q3 24 | $-3.7M | $2.4M | ||
| Q2 24 | $2.8M | $197.0K | ||
| Q1 24 | $-25.0K | $840.0K |
自由现金流FNWDRFIL
| Q4 25 | $9.0M | $2.0M | ||
| Q3 25 | $1.0M | $-419.0K | ||
| Q2 25 | $4.5M | $2.2M | ||
| Q1 25 | $-4.0M | $574.0K | ||
| Q4 24 | $6.7M | $-418.0K | ||
| Q3 24 | $-4.2M | $2.1M | ||
| Q2 24 | $1.1M | $28.0K | ||
| Q1 24 | $-736.0K | $697.0K |
自由现金流率FNWDRFIL
| Q4 25 | 54.8% | 9.0% | ||
| Q3 25 | 6.0% | -2.1% | ||
| Q2 25 | 27.0% | 11.4% | ||
| Q1 25 | -25.7% | 3.0% | ||
| Q4 24 | 41.2% | -2.3% | ||
| Q3 24 | -28.5% | 12.6% | ||
| Q2 24 | 7.6% | 0.2% | ||
| Q1 24 | -2.9% | 5.2% |
资本支出强度FNWDRFIL
| Q4 25 | 5.2% | 0.3% | ||
| Q3 25 | 0.9% | 0.5% | ||
| Q2 25 | 1.7% | 0.2% | ||
| Q1 25 | 1.2% | 0.1% | ||
| Q4 24 | 18.8% | 0.9% | ||
| Q3 24 | 3.4% | 1.5% | ||
| Q2 24 | 11.2% | 1.0% | ||
| Q1 24 | 2.8% | 1.1% |
现金转化率FNWDRFIL
| Q4 25 | 4.99× | 12.13× | ||
| Q3 25 | 0.34× | -0.79× | ||
| 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
RFIL
| US | $20.9M | 92% |
| Non Us | $1.8M | 8% |
