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Finward Bancorp（FNWD）与礼来（RNA）财务数据对比。点击上方公司名可切换其他公司
Finward Bancorp的季度营收约是礼来的1.3倍（$16.5M vs $12.5M），Finward Bancorp净利率更高（12.0% vs -1398.3%，领先1410.3%），礼来同比增速更快（434.0% vs 1.1%），Finward Bancorp自由现金流更多（$9.0M vs $-156.9M），过去两年礼来的营收复合增速更高（138.5% 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。
礼来是总部位于美国印第安纳州印第安纳波利斯的跨国制药企业，在18个国家设有办事处，产品销往全球约125个国家。公司由美国内战时期联邦军退伍军人、药剂师伊莱·礼来于1876年创立，品牌名即取自创始人姓名。
FNWD vs RNA — 直观对比
营收规模更大
FNWD
是对方的1.3倍
$12.5M
营收增速更快
RNA
高出433.0%
1.1%
净利率更高
FNWD
高出1410.3%
-1398.3%
自由现金流更多
FNWD
多$165.9M
$-156.9M
两年增速更快
RNA
近两年复合增速
-19.1%
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $16.5M | $12.5M |
| 净利润 | $2.0M | $-174.4M |
| 毛利率 | — | — |
| 营业利润率 | 11.0% | -1513.5% |
| 净利率 | 12.0% | -1398.3% |
| 营收同比 | 1.1% | 434.0% |
| 净利润同比 | -5.6% | -117.0% |
| 每股收益（稀释后） | $0.46 | $-1.27 |
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FNWDRNA
| Q4 25 | $16.5M | — | ||
| Q3 25 | $17.4M | $12.5M | ||
| Q2 25 | $16.6M | $3.8M | ||
| Q1 25 | $15.5M | $1.6M | ||
| Q4 24 | $16.3M | $3.0M | ||
| Q3 24 | $14.9M | $2.3M | ||
| Q2 24 | $14.6M | $2.0M | ||
| Q1 24 | $25.3M | $3.5M |
净利润FNWDRNA
| Q4 25 | $2.0M | — | ||
| Q3 25 | $3.5M | $-174.4M | ||
| Q2 25 | $2.2M | $-157.3M | ||
| Q1 25 | $455.0K | $-115.8M | ||
| Q4 24 | $2.1M | $-102.3M | ||
| Q3 24 | $606.0K | $-80.4M | ||
| Q2 24 | $143.0K | $-70.8M | ||
| Q1 24 | $9.3M | $-68.9M |
营业利润率FNWDRNA
| Q4 25 | 11.0% | — | ||
| Q3 25 | 20.5% | -1513.5% | ||
| Q2 25 | 12.7% | -4448.7% | ||
| Q1 25 | 4.0% | -8360.9% | ||
| Q4 24 | 16.3% | -4069.6% | ||
| Q3 24 | 2.7% | -4200.9% | ||
| Q2 24 | 0.9% | -4040.4% | ||
| Q1 24 | 40.6% | -2178.6% |
净利率FNWDRNA
| Q4 25 | 12.0% | — | ||
| Q3 25 | 20.1% | -1398.3% | ||
| Q2 25 | 12.9% | -4089.3% | ||
| Q1 25 | 2.9% | -7360.0% | ||
| Q4 24 | 12.9% | -3439.5% | ||
| Q3 24 | 4.1% | -3441.7% | ||
| Q2 24 | 1.0% | -3461.8% | ||
| Q1 24 | 36.7% | -1943.4% |
每股收益（稀释后）FNWDRNA
| Q4 25 | $0.46 | — | ||
| Q3 25 | $0.81 | $-1.27 | ||
| Q2 25 | $0.50 | $-1.21 | ||
| Q1 25 | $0.11 | $-0.90 | ||
| Q4 24 | $0.50 | $-0.80 | ||
| Q3 24 | $0.14 | $-0.65 | ||
| Q2 24 | $0.03 | $-0.65 | ||
| Q1 24 | $2.17 | $-0.79 |
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 | — | $350.2M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $174.7M | $1.9B |
| 总资产 | $2.0B | $2.1B |
| 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FNWDRNA
| Q4 25 | — | — | ||
| Q3 25 | — | $350.2M | ||
| Q2 25 | — | $243.9M | ||
| Q1 25 | — | $254.2M | ||
| Q4 24 | — | $219.9M | ||
| Q3 24 | — | $370.2M | ||
| Q2 24 | — | $575.8M | ||
| Q1 24 | — | $471.4M |
股东权益FNWDRNA
| Q4 25 | $174.7M | — | ||
| Q3 25 | $165.5M | $1.9B | ||
| Q2 25 | $154.3M | $1.2B | ||
| Q1 25 | $151.8M | $1.3B | ||
| Q4 24 | $151.4M | $1.4B | ||
| Q3 24 | $159.6M | $1.5B | ||
| Q2 24 | $148.6M | $1.2B | ||
| Q1 24 | $151.6M | $830.9M |
总资产FNWDRNA
| Q4 25 | $2.0B | — | ||
| Q3 25 | $2.1B | $2.1B | ||
| Q2 25 | $2.1B | $1.4B | ||
| Q1 25 | $2.0B | $1.5B | ||
| Q4 24 | $2.1B | $1.6B | ||
| Q3 24 | $2.1B | $1.6B | ||
| Q2 24 | $2.1B | $1.3B | ||
| Q1 24 | $2.1B | $951.5M |
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 | $-156.2M |
| 自由现金流经营现金流 - 资本支出 | $9.0M | $-156.9M |
| 自由现金流率自由现金流/营收 | 54.8% | -1257.6% |
| 资本支出强度资本支出/营收 | 5.2% | 5.7% |
| 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 | $-592.3M |
8季度趋势，按日历期对齐
经营现金流FNWDRNA
| Q4 25 | $9.9M | — | ||
| Q3 25 | $1.2M | $-156.2M | ||
| Q2 25 | $4.8M | $-199.7M | ||
| Q1 25 | $-3.8M | $-124.8M | ||
| Q4 24 | $9.8M | $-99.9M | ||
| Q3 24 | $-3.7M | $-65.6M | ||
| Q2 24 | $2.8M | $-65.0M | ||
| Q1 24 | $-25.0K | $-70.4M |
自由现金流FNWDRNA
| Q4 25 | $9.0M | — | ||
| Q3 25 | $1.0M | $-156.9M | ||
| Q2 25 | $4.5M | $-203.0M | ||
| Q1 25 | $-4.0M | $-128.6M | ||
| Q4 24 | $6.7M | $-103.8M | ||
| Q3 24 | $-4.2M | $-67.3M | ||
| Q2 24 | $1.1M | $-65.5M | ||
| Q1 24 | $-736.0K | $-71.3M |
自由现金流率FNWDRNA
| Q4 25 | 54.8% | — | ||
| Q3 25 | 6.0% | -1257.6% | ||
| Q2 25 | 27.0% | -5277.1% | ||
| Q1 25 | -25.7% | -8174.3% | ||
| Q4 24 | 41.2% | -3491.0% | ||
| Q3 24 | -28.5% | -2881.8% | ||
| Q2 24 | 7.6% | -3204.6% | ||
| Q1 24 | -2.9% | -2012.3% |
资本支出强度FNWDRNA
| Q4 25 | 5.2% | — | ||
| Q3 25 | 0.9% | 5.7% | ||
| Q2 25 | 1.7% | 86.9% | ||
| Q1 25 | 1.2% | 238.6% | ||
| Q4 24 | 18.8% | 131.7% | ||
| Q3 24 | 3.4% | 72.9% | ||
| Q2 24 | 11.2% | 26.0% | ||
| Q1 24 | 2.8% | 25.8% |
现金转化率FNWDRNA
| 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
