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Finward Bancorp（FNWD）与RYTHM, Inc.（RYM）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RYTHM, Inc.的1.5倍（$16.5M vs $10.7M），Finward Bancorp净利率更高（12.0% vs -127.6%，领先139.6%），RYTHM, Inc.同比增速更快（242.0% vs 1.1%），过去两年RYTHM, Inc.的营收复合增速更高（102.6% 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。
RYTHM Inc.是一家临床阶段生物制药企业，专注于研发和商业化针对罕见遗传性内分泌与代谢疾病的创新疗法，主要面向美国市场，服务存在未被满足医疗需求的儿童及成人患者群体。
FNWD vs RYM — 直观对比
营收规模更大
FNWD
是对方的1.5倍
$10.7M
营收增速更快
RYM
高出240.9%
1.1%
净利率更高
FNWD
高出139.6%
-127.6%
两年增速更快
RYM
近两年复合增速
-19.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $16.5M | $10.7M |
| 净利润 | $2.0M | $-13.6M |
| 毛利率 | — | 75.5% |
| 营业利润率 | 11.0% | -121.5% |
| 净利率 | 12.0% | -127.6% |
| 营收同比 | 1.1% | 242.0% |
| 净利润同比 | -5.6% | 44.1% |
| 每股收益（稀释后） | $0.46 | $-6.78 |
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FNWDRYM
| Q4 25 | $16.5M | $10.7M | ||
| Q3 25 | $17.4M | $4.0M | ||
| Q2 25 | $16.6M | $2.0M | ||
| Q1 25 | $15.5M | $538.0K | ||
| Q4 24 | $16.3M | $-7.5M | ||
| Q3 24 | $14.9M | $1.9M | ||
| Q2 24 | $14.6M | $3.0M | ||
| Q1 24 | $25.3M | $2.6M |
净利润FNWDRYM
| Q4 25 | $2.0M | $-13.6M | ||
| Q3 25 | $3.5M | $-10.7M | ||
| Q2 25 | $2.2M | $-7.4M | ||
| Q1 25 | $455.0K | $-1.6M | ||
| Q4 24 | $2.1M | $-24.4M | ||
| Q3 24 | $606.0K | $-18.7M | ||
| Q2 24 | $143.0K | $-3.0M | ||
| Q1 24 | $9.3M | $4.2M |
毛利率FNWDRYM
| Q4 25 | — | 75.5% | ||
| Q3 25 | — | 34.0% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 16.7% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 11.6% | ||
| Q2 24 | — | 37.6% | ||
| Q1 24 | — | 6.4% |
营业利润率FNWDRYM
| Q4 25 | 11.0% | -121.5% | ||
| Q3 25 | 20.5% | -219.8% | ||
| Q2 25 | 12.7% | -332.9% | ||
| Q1 25 | 4.0% | -687.9% | ||
| Q4 24 | 16.3% | — | ||
| Q3 24 | 2.7% | -63.1% | ||
| Q2 24 | 0.9% | -28.5% | ||
| Q1 24 | 40.6% | 13.6% |
净利率FNWDRYM
| Q4 25 | 12.0% | -127.6% | ||
| Q3 25 | 20.1% | -263.8% | ||
| Q2 25 | 12.9% | -360.4% | ||
| Q1 25 | 2.9% | -302.2% | ||
| Q4 24 | 12.9% | 324.4% | ||
| Q3 24 | 4.1% | -964.4% | ||
| Q2 24 | 1.0% | -99.3% | ||
| Q1 24 | 36.7% | 163.0% |
每股收益（稀释后）FNWDRYM
| Q4 25 | $0.46 | $-6.78 | ||
| Q3 25 | $0.81 | $-5.33 | ||
| Q2 25 | $0.50 | $-3.74 | ||
| Q1 25 | $0.11 | $-0.83 | ||
| Q4 24 | $0.50 | $-24.26 | ||
| Q3 24 | $0.14 | $-17.28 | ||
| Q2 24 | $0.03 | $-3.16 | ||
| Q1 24 | $2.17 | $3.78 |
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 | — | $32.2M |
| 总债务越低越好 | — | $80.6M |
| 股东权益账面价值 | $174.7M | $13.0M |
| 总资产 | $2.0B | $106.7M |
| 负债/权益比越低杠杆越低 | — | 6.19× |
8季度趋势，按日历期对齐
现金及短期投资FNWDRYM
| Q4 25 | — | $32.2M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $41.0M | ||
| Q1 25 | — | $24.4M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $267.0K | ||
| Q2 24 | — | $57.0K | ||
| Q1 24 | — | $99.0K |
总债务FNWDRYM
| Q4 25 | — | $80.6M | ||
| Q3 25 | — | $90.6M | ||
| Q2 25 | — | $40.6M | ||
| Q1 25 | — | $10.6M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $6.2M | ||
| Q2 24 | — | $4.6M | ||
| Q1 24 | — | — |
股东权益FNWDRYM
| Q4 25 | $174.7M | $13.0M | ||
| Q3 25 | $165.5M | $11.7M | ||
| Q2 25 | $154.3M | $21.0M | ||
| Q1 25 | $151.8M | $26.8M | ||
| Q4 24 | $151.4M | $28.1M | ||
| Q3 24 | $159.6M | $5.5M | ||
| Q2 24 | $148.6M | $8.5M | ||
| Q1 24 | $151.6M | $-5.5M |
总资产FNWDRYM
| Q4 25 | $2.0B | $106.7M | ||
| Q3 25 | $2.1B | $115.2M | ||
| Q2 25 | $2.1B | $69.5M | ||
| Q1 25 | $2.0B | $45.6M | ||
| Q4 24 | $2.1B | $54.0M | ||
| Q3 24 | $2.1B | $39.0M | ||
| Q2 24 | $2.1B | $39.4M | ||
| Q1 24 | $2.1B | $40.6M |
负债/权益比FNWDRYM
| Q4 25 | — | 6.19× | ||
| Q3 25 | — | 7.73× | ||
| Q2 25 | — | 1.94× | ||
| Q1 25 | — | 0.40× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 1.13× | ||
| Q2 24 | — | 0.54× | ||
| 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 | $-3.0M |
| 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FNWDRYM
| Q4 25 | $9.9M | $-3.0M | ||
| Q3 25 | $1.2M | $-5.4M | ||
| Q2 25 | $4.8M | $-8.4M | ||
| Q1 25 | $-3.8M | $-6.7M | ||
| Q4 24 | $9.8M | $-5.3M | ||
| Q3 24 | $-3.7M | $-1.4M | ||
| Q2 24 | $2.8M | $-1.8M | ||
| Q1 24 | $-25.0K | $-3.0M |
自由现金流FNWDRYM
| Q4 25 | $9.0M | — | ||
| Q3 25 | $1.0M | — | ||
| Q2 25 | $4.5M | — | ||
| Q1 25 | $-4.0M | — | ||
| Q4 24 | $6.7M | — | ||
| Q3 24 | $-4.2M | — | ||
| Q2 24 | $1.1M | $-1.8M | ||
| Q1 24 | $-736.0K | $-3.0M |
自由现金流率FNWDRYM
| Q4 25 | 54.8% | — | ||
| Q3 25 | 6.0% | — | ||
| Q2 25 | 27.0% | — | ||
| Q1 25 | -25.7% | — | ||
| Q4 24 | 41.2% | — | ||
| Q3 24 | -28.5% | — | ||
| Q2 24 | 7.6% | -61.2% | ||
| Q1 24 | -2.9% | -115.1% |
资本支出强度FNWDRYM
| Q4 25 | 5.2% | — | ||
| Q3 25 | 0.9% | — | ||
| Q2 25 | 1.7% | — | ||
| Q1 25 | 1.2% | — | ||
| Q4 24 | 18.8% | — | ||
| Q3 24 | 3.4% | — | ||
| Q2 24 | 11.2% | 0.1% | ||
| Q1 24 | 2.8% | 0.1% |
现金转化率FNWDRYM
| 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× | -0.71× |
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
RYM
| Nonlicensing Revenue | $9.5M | 89% |
| Cultivation Business Discontinued Operations | $1.2M | 11% |
