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Finward Bancorp（FNWD）与RETRACTABLE TECHNOLOGIES INC（RVP）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RETRACTABLE TECHNOLOGIES INC的1.7倍（$16.5M vs $9.4M），Finward Bancorp净利率更高（12.0% vs -24.9%，领先36.9%），RETRACTABLE TECHNOLOGIES INC同比增速更快（4.0% vs 1.1%），过去两年RETRACTABLE TECHNOLOGIES INC的营收复合增速更高（11.5% 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。
Retractable Technologies Inc是一家专业医疗设备制造商，主打可回缩注射器、安全针头、静脉导管等一次性安全医疗产品，客户覆盖医疗机构、制药企业及公共卫生部门，产品可有效降低医护人员与患者的针刺伤害风险。
FNWD vs RVP — 直观对比
营收规模更大
FNWD
是对方的1.7倍
$9.4M
营收增速更快
RVP
高出3.0%
1.1%
净利率更高
FNWD
高出36.9%
-24.9%
两年增速更快
RVP
近两年复合增速
-19.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $16.5M | $9.4M |
| 净利润 | $2.0M | $-2.3M |
| 毛利率 | — | -16.2% |
| 营业利润率 | 11.0% | -81.7% |
| 净利率 | 12.0% | -24.9% |
| 营收同比 | 1.1% | 4.0% |
| 净利润同比 | -5.6% | -162.3% |
| 每股收益（稀释后） | $0.46 | $-0.09 |
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FNWDRVP
| Q4 25 | $16.5M | $9.4M | ||
| Q3 25 | $17.4M | $10.1M | ||
| Q2 25 | $16.6M | $10.4M | ||
| Q1 25 | $15.5M | $8.3M | ||
| Q4 24 | $16.3M | $9.1M | ||
| Q3 24 | $14.9M | $10.3M | ||
| Q2 24 | $14.6M | $6.0M | ||
| Q1 24 | $25.3M | $7.6M |
净利润FNWDRVP
| Q4 25 | $2.0M | $-2.3M | ||
| Q3 25 | $3.5M | $371.0K | ||
| Q2 25 | $2.2M | $-87.5K | ||
| Q1 25 | $455.0K | $-10.5M | ||
| Q4 24 | $2.1M | $3.8M | ||
| Q3 24 | $606.0K | $-1.9M | ||
| Q2 24 | $143.0K | $-14.2M | ||
| Q1 24 | $9.3M | $429.4K |
毛利率FNWDRVP
| Q4 25 | — | -16.2% | ||
| Q3 25 | — | 16.7% | ||
| Q2 25 | — | -1.0% | ||
| Q1 25 | — | -0.0% | ||
| Q4 24 | — | -27.5% | ||
| Q3 24 | — | -0.1% | ||
| Q2 24 | — | -7.0% | ||
| Q1 24 | — | 25.0% |
营业利润率FNWDRVP
| Q4 25 | 11.0% | -81.7% | ||
| Q3 25 | 20.5% | -36.2% | ||
| Q2 25 | 12.7% | -49.1% | ||
| Q1 25 | 4.0% | -56.4% | ||
| Q4 24 | 16.3% | -79.6% | ||
| Q3 24 | 2.7% | -49.6% | ||
| Q2 24 | 0.9% | -95.6% | ||
| Q1 24 | 40.6% | -39.3% |
净利率FNWDRVP
| Q4 25 | 12.0% | -24.9% | ||
| Q3 25 | 20.1% | 3.7% | ||
| Q2 25 | 12.9% | -0.8% | ||
| Q1 25 | 2.9% | -126.6% | ||
| Q4 24 | 12.9% | 41.6% | ||
| Q3 24 | 4.1% | -18.6% | ||
| Q2 24 | 1.0% | -234.9% | ||
| Q1 24 | 36.7% | 5.7% |
每股收益（稀释后）FNWDRVP
| Q4 25 | $0.46 | $-0.09 | ||
| Q3 25 | $0.81 | $0.01 | ||
| Q2 25 | $0.50 | $0.00 | ||
| Q1 25 | $0.11 | $-0.35 | ||
| Q4 24 | $0.50 | $0.14 | ||
| Q3 24 | $0.14 | $-0.07 | ||
| Q2 24 | $0.03 | $-0.48 | ||
| Q1 24 | $2.17 | $0.01 |
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 | — | $2.6M |
| 总债务越低越好 | — | $895.6K |
| 股东权益账面价值 | $174.7M | $74.4M |
| 总资产 | $2.0B | $142.6M |
| 负债/权益比越低杠杆越低 | — | 0.01× |
8季度趋势，按日历期对齐
现金及短期投资FNWDRVP
| Q4 25 | — | $2.6M | ||
| Q3 25 | — | $3.4M | ||
| Q2 25 | — | $3.0M | ||
| Q1 25 | — | $3.4M | ||
| Q4 24 | — | $4.2M | ||
| Q3 24 | — | $3.9M | ||
| Q2 24 | — | $6.9M | ||
| Q1 24 | — | $10.0M |
总债务FNWDRVP
| Q4 25 | — | $895.6K | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $1.2M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益FNWDRVP
| Q4 25 | $174.7M | $74.4M | ||
| Q3 25 | $165.5M | $76.8M | ||
| Q2 25 | $154.3M | $76.5M | ||
| Q1 25 | $151.8M | $76.6M | ||
| Q4 24 | $151.4M | $87.2M | ||
| Q3 24 | $159.6M | $83.5M | ||
| Q2 24 | $148.6M | $85.4M | ||
| Q1 24 | $151.6M | $99.7M |
总资产FNWDRVP
| Q4 25 | $2.0B | $142.6M | ||
| Q3 25 | $2.1B | $146.4M | ||
| Q2 25 | $2.1B | $147.1M | ||
| Q1 25 | $2.0B | $149.3M | ||
| Q4 24 | $2.1B | $160.7M | ||
| Q3 24 | $2.1B | $157.8M | ||
| Q2 24 | $2.1B | $160.7M | ||
| Q1 24 | $2.1B | $176.0M |
负债/权益比FNWDRVP
| Q4 25 | — | 0.01× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.01× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $-596.5K |
| 自由现金流经营现金流 - 资本支出 | $9.0M | — |
| 自由现金流率自由现金流/营收 | 54.8% | — |
| 资本支出强度资本支出/营收 | 5.2% | — |
| 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FNWDRVP
| Q4 25 | $9.9M | $-596.5K | ||
| Q3 25 | $1.2M | $-1.3M | ||
| Q2 25 | $4.8M | $-3.7M | ||
| Q1 25 | $-3.8M | $-1.5M | ||
| Q4 24 | $9.8M | $-1.1M | ||
| Q3 24 | $-3.7M | $-5.7M | ||
| Q2 24 | $2.8M | $-2.7M | ||
| Q1 24 | $-25.0K | $-2.0M |
自由现金流FNWDRVP
| Q4 25 | $9.0M | — | ||
| Q3 25 | $1.0M | $-1.3M | ||
| Q2 25 | $4.5M | $-4.1M | ||
| Q1 25 | $-4.0M | $-1.6M | ||
| Q4 24 | $6.7M | $-1.4M | ||
| Q3 24 | $-4.2M | $-6.5M | ||
| Q2 24 | $1.1M | $-2.8M | ||
| Q1 24 | $-736.0K | $-2.2M |
自由现金流率FNWDRVP
| Q4 25 | 54.8% | — | ||
| Q3 25 | 6.0% | -13.4% | ||
| Q2 25 | 27.0% | -38.9% | ||
| Q1 25 | -25.7% | -18.8% | ||
| Q4 24 | 41.2% | -15.5% | ||
| Q3 24 | -28.5% | -63.0% | ||
| Q2 24 | 7.6% | -46.8% | ||
| Q1 24 | -2.9% | -29.6% |
资本支出强度FNWDRVP
| Q4 25 | 5.2% | — | ||
| Q3 25 | 0.9% | 0.9% | ||
| Q2 25 | 1.7% | 3.2% | ||
| Q1 25 | 1.2% | 1.0% | ||
| Q4 24 | 18.8% | 3.3% | ||
| Q3 24 | 3.4% | 7.7% | ||
| Q2 24 | 11.2% | 2.0% | ||
| Q1 24 | 2.8% | 3.0% |
现金转化率FNWDRVP
| Q4 25 | 4.99× | — | ||
| Q3 25 | 0.34× | -3.39× | ||
| Q2 25 | 2.22× | — | ||
| Q1 25 | -8.37× | — | ||
| Q4 24 | 4.66× | -0.29× | ||
| Q3 24 | -6.15× | — | ||
| Q2 24 | 19.23× | — | ||
| Q1 24 | -0.00× | -4.71× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
