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Finward Bancorp（FNWD）与RIVERVIEW BANCORP INC（RVSB）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RIVERVIEW BANCORP INC的1.2倍（$16.5M vs $14.0M），Finward Bancorp净利率更高（12.0% vs 9.8%，领先2.2%），RIVERVIEW BANCORP INC同比增速更快（10.4% vs 1.1%），Finward Bancorp自由现金流更多（$9.0M vs $-736.0K），过去两年RIVERVIEW BANCORP INC的营收复合增速更高（24.6% 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。
Riverview Bancorp Inc.是一家总部位于美国的银行控股公司，主营个人与商业银行业务，服务覆盖太平洋西北地区，提供存款、消费贷款、住房抵押贷款、商业信贷及小企业金融等产品，服务零售客户与本地企业群体。
FNWD vs RVSB — 直观对比
营收规模更大
FNWD
是对方的1.2倍
$14.0M
营收增速更快
RVSB
高出9.3%
1.1%
净利率更高
FNWD
高出2.2%
9.8%
自由现金流更多
FNWD
多$9.8M
$-736.0K
两年增速更快
RVSB
近两年复合增速
-19.1%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $16.5M | $14.0M |
| 净利润 | $2.0M | $1.4M |
| 毛利率 | — | — |
| 营业利润率 | 11.0% | 12.4% |
| 净利率 | 12.0% | 9.8% |
| 营收同比 | 1.1% | 10.4% |
| 净利润同比 | -5.6% | 11.8% |
| 每股收益（稀释后） | $0.46 | $0.07 |
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FNWDRVSB
| Q4 25 | $16.5M | $14.0M | ||
| Q3 25 | $17.4M | $13.6M | ||
| Q2 25 | $16.6M | $13.3M | ||
| Q1 25 | $15.5M | $12.9M | ||
| Q4 24 | $16.3M | $12.7M | ||
| Q3 24 | $14.9M | $12.8M | ||
| Q2 24 | $14.6M | $12.2M | ||
| Q1 24 | $25.3M | $9.0M |
净利润FNWDRVSB
| Q4 25 | $2.0M | $1.4M | ||
| Q3 25 | $3.5M | $1.1M | ||
| Q2 25 | $2.2M | $1.2M | ||
| Q1 25 | $455.0K | $1.1M | ||
| Q4 24 | $2.1M | $1.2M | ||
| Q3 24 | $606.0K | $1.6M | ||
| Q2 24 | $143.0K | $966.0K | ||
| Q1 24 | $9.3M | $-3.0M |
营业利润率FNWDRVSB
| Q4 25 | 11.0% | 12.4% | ||
| Q3 25 | 20.5% | 10.2% | ||
| Q2 25 | 12.7% | 11.7% | ||
| Q1 25 | 4.0% | 11.3% | ||
| Q4 24 | 16.3% | 12.4% | ||
| Q3 24 | 2.7% | 15.5% | ||
| Q2 24 | 0.9% | 10.0% | ||
| Q1 24 | 40.6% | -47.5% |
净利率FNWDRVSB
| Q4 25 | 12.0% | 9.8% | ||
| Q3 25 | 20.1% | 8.1% | ||
| Q2 25 | 12.9% | 9.2% | ||
| Q1 25 | 2.9% | 8.9% | ||
| Q4 24 | 12.9% | 9.7% | ||
| Q3 24 | 4.1% | 12.2% | ||
| Q2 24 | 1.0% | 7.9% | ||
| Q1 24 | 36.7% | -34.7% |
每股收益（稀释后）FNWDRVSB
| Q4 25 | $0.46 | $0.07 | ||
| Q3 25 | $0.81 | $0.05 | ||
| Q2 25 | $0.50 | $0.06 | ||
| Q1 25 | $0.11 | $0.05 | ||
| Q4 24 | $0.50 | $0.06 | ||
| Q3 24 | $0.14 | $0.07 | ||
| Q2 24 | $0.03 | $0.05 | ||
| Q1 24 | $2.17 | $-0.14 |
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 | — | $28.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $174.7M | $164.2M |
| 总资产 | $2.0B | $1.5B |
| 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FNWDRVSB
| Q4 25 | — | $28.6M | ||
| Q3 25 | — | $32.8M | ||
| Q2 25 | — | $34.2M | ||
| Q1 25 | — | $29.4M | ||
| Q4 24 | — | $25.3M | ||
| Q3 24 | — | $31.0M | ||
| Q2 24 | — | $27.8M | ||
| Q1 24 | — | $23.6M |
股东权益FNWDRVSB
| Q4 25 | $174.7M | $164.2M | ||
| Q3 25 | $165.5M | $163.5M | ||
| Q2 25 | $154.3M | $162.0M | ||
| Q1 25 | $151.8M | $160.0M | ||
| Q4 24 | $151.4M | $158.3M | ||
| Q3 24 | $159.6M | $160.8M | ||
| Q2 24 | $148.6M | $155.9M | ||
| Q1 24 | $151.6M | $155.6M |
总资产FNWDRVSB
| Q4 25 | $2.0B | $1.5B | ||
| Q3 25 | $2.1B | $1.5B | ||
| Q2 25 | $2.1B | $1.5B | ||
| Q1 25 | $2.0B | $1.5B | ||
| Q4 24 | $2.1B | $1.5B | ||
| Q3 24 | $2.1B | $1.5B | ||
| Q2 24 | $2.1B | $1.5B | ||
| Q1 24 | $2.1B | $1.5B |
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 | $-506.0K |
| 自由现金流经营现金流 - 资本支出 | $9.0M | $-736.0K |
| 自由现金流率自由现金流/营收 | 54.8% | -5.2% |
| 资本支出强度资本支出/营收 | 5.2% | 1.6% |
| 现金转化率经营现金流/净利润 | 4.99× | -0.37× |
| 过去12个月自由现金流最近4个季度 | $10.6M | $20.4M |
8季度趋势，按日历期对齐
经营现金流FNWDRVSB
| Q4 25 | $9.9M | $-506.0K | ||
| Q3 25 | $1.2M | $16.8M | ||
| Q2 25 | $4.8M | $-697.0K | ||
| Q1 25 | $-3.8M | $8.3M | ||
| Q4 24 | $9.8M | $2.2M | ||
| Q3 24 | $-3.7M | $764.0K | ||
| Q2 24 | $2.8M | $5.4M | ||
| Q1 24 | $-25.0K | $12.8M |
自由现金流FNWDRVSB
| Q4 25 | $9.0M | $-736.0K | ||
| Q3 25 | $1.0M | $16.4M | ||
| Q2 25 | $4.5M | $-773.0K | ||
| Q1 25 | $-4.0M | $5.6M | ||
| Q4 24 | $6.7M | $1.9M | ||
| Q3 24 | $-4.2M | $-1.4M | ||
| Q2 24 | $1.1M | $5.3M | ||
| Q1 24 | $-736.0K | $7.1M |
自由现金流率FNWDRVSB
| Q4 25 | 54.8% | -5.2% | ||
| Q3 25 | 6.0% | 120.1% | ||
| Q2 25 | 27.0% | -5.8% | ||
| Q1 25 | -25.7% | 43.1% | ||
| Q4 24 | 41.2% | 15.0% | ||
| Q3 24 | -28.5% | -11.3% | ||
| Q2 24 | 7.6% | 43.7% | ||
| Q1 24 | -2.9% | 79.0% |
资本支出强度FNWDRVSB
| Q4 25 | 5.2% | 1.6% | ||
| Q3 25 | 0.9% | 2.9% | ||
| Q2 25 | 1.7% | 0.6% | ||
| Q1 25 | 1.2% | 21.0% | ||
| Q4 24 | 18.8% | 2.4% | ||
| Q3 24 | 3.4% | 17.3% | ||
| Q2 24 | 11.2% | 0.9% | ||
| Q1 24 | 2.8% | 62.0% |
现金转化率FNWDRVSB
| Q4 25 | 4.99× | -0.37× | ||
| Q3 25 | 0.34× | 15.25× | ||
| Q2 25 | 2.22× | -0.57× | ||
| Q1 25 | -8.37× | 7.20× | ||
| Q4 24 | 4.66× | 1.79× | ||
| Q3 24 | -6.15× | 0.49× | ||
| Q2 24 | 19.23× | 5.63× | ||
| 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
