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Finward Bancorp（FNWD）与Simulations Plus, Inc.（SLP）财务数据对比。点击上方公司名可切换其他公司
Simulations Plus, Inc.的季度营收约是Finward Bancorp的1.1倍（$18.4M vs $16.5M），Finward Bancorp净利率更高（12.0% vs 3.7%，领先8.3%），Finward Bancorp同比增速更快（1.1% vs -2.7%），过去两年Simulations Plus, Inc.的营收复合增速更高（0.3% 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。
Simulations Plus公司为医药生物、化工、化妆品、食品原料及除草剂领域开发ADMET（吸收、分布、代谢、排泄和毒性）建模仿真软件，并于2014年9月收购了提供临床试验数据分析及咨询服务的Cognigen公司，助力相关行业研发工作开展。
FNWD vs SLP — 直观对比
营收规模更大
SLP
是对方的1.1倍
$16.5M
营收增速更快
FNWD
高出3.7%
-2.7%
净利率更高
FNWD
高出8.3%
3.7%
两年增速更快
SLP
近两年复合增速
-19.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $16.5M | $18.4M |
| 净利润 | $2.0M | $676.0K |
| 毛利率 | — | 59.1% |
| 营业利润率 | 11.0% | 3.9% |
| 净利率 | 12.0% | 3.7% |
| 营收同比 | 1.1% | -2.7% |
| 净利润同比 | -5.6% | 228.2% |
| 每股收益（稀释后） | $0.46 | $0.03 |
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FNWDSLP
| Q4 25 | $16.5M | $18.4M | ||
| Q3 25 | $17.4M | $17.5M | ||
| Q2 25 | $16.6M | $20.4M | ||
| Q1 25 | $15.5M | $22.4M | ||
| Q4 24 | $16.3M | $18.9M | ||
| Q3 24 | $14.9M | $18.7M | ||
| Q2 24 | $14.6M | $18.5M | ||
| Q1 24 | $25.3M | $18.3M |
净利润FNWDSLP
| Q4 25 | $2.0M | $676.0K | ||
| Q3 25 | $3.5M | $-681.0K | ||
| Q2 25 | $2.2M | $-67.3M | ||
| Q1 25 | $455.0K | $3.1M | ||
| Q4 24 | $2.1M | $206.0K | ||
| Q3 24 | $606.0K | $843.0K | ||
| Q2 24 | $143.0K | $3.1M | ||
| Q1 24 | $9.3M | $4.0M |
毛利率FNWDSLP
| Q4 25 | — | 59.1% | ||
| Q3 25 | — | 56.4% | ||
| Q2 25 | — | 64.0% | ||
| Q1 25 | — | 58.5% | ||
| Q4 24 | — | 54.0% | ||
| Q3 24 | — | 36.6% | ||
| Q2 24 | — | 71.5% | ||
| Q1 24 | — | 72.2% |
营业利润率FNWDSLP
| Q4 25 | 11.0% | 3.9% | ||
| Q3 25 | 20.5% | 3.8% | ||
| Q2 25 | 12.7% | -364.5% | ||
| Q1 25 | 4.0% | 12.1% | ||
| Q4 24 | 16.3% | 0.7% | ||
| Q3 24 | 2.7% | -6.2% | ||
| Q2 24 | 0.9% | 10.1% | ||
| Q1 24 | 40.6% | 24.3% |
净利率FNWDSLP
| Q4 25 | 12.0% | 3.7% | ||
| Q3 25 | 20.1% | -3.9% | ||
| Q2 25 | 12.9% | -330.6% | ||
| Q1 25 | 2.9% | 13.7% | ||
| Q4 24 | 12.9% | 1.1% | ||
| Q3 24 | 4.1% | 4.5% | ||
| Q2 24 | 1.0% | 16.9% | ||
| Q1 24 | 36.7% | 22.0% |
每股收益（稀释后）FNWDSLP
| Q4 25 | $0.46 | $0.03 | ||
| Q3 25 | $0.81 | $-0.03 | ||
| Q2 25 | $0.50 | $-3.35 | ||
| Q1 25 | $0.11 | $0.15 | ||
| Q4 24 | $0.50 | $0.01 | ||
| Q3 24 | $0.14 | $0.04 | ||
| Q2 24 | $0.03 | $0.15 | ||
| Q1 24 | $2.17 | $0.20 |
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 | — | $35.7M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $174.7M | $127.1M |
| 总资产 | $2.0B | $137.8M |
| 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FNWDSLP
| Q4 25 | — | $35.7M | ||
| Q3 25 | — | $32.4M | ||
| Q2 25 | — | $28.4M | ||
| Q1 25 | — | $21.4M | ||
| Q4 24 | — | $18.2M | ||
| Q3 24 | — | $20.3M | ||
| Q2 24 | — | $119.0M | ||
| Q1 24 | — | $108.5M |
股东权益FNWDSLP
| Q4 25 | $174.7M | $127.1M | ||
| Q3 25 | $165.5M | $124.8M | ||
| Q2 25 | $154.3M | $123.8M | ||
| Q1 25 | $151.8M | $189.5M | ||
| Q4 24 | $151.4M | $184.7M | ||
| Q3 24 | $159.6M | $182.4M | ||
| Q2 24 | $148.6M | $180.9M | ||
| Q1 24 | $151.6M | $177.0M |
总资产FNWDSLP
| Q4 25 | $2.0B | $137.8M | ||
| Q3 25 | $2.1B | $131.9M | ||
| Q2 25 | $2.1B | $134.4M | ||
| Q1 25 | $2.0B | $201.4M | ||
| Q4 24 | $2.1B | $196.9M | ||
| Q3 24 | $2.1B | $196.6M | ||
| Q2 24 | $2.1B | $192.7M | ||
| Q1 24 | $2.1B | $194.0M |
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 | $4.2M |
| 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% | 0.0% |
| 现金转化率经营现金流/净利润 | 4.99× | 6.26× |
| 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FNWDSLP
| Q4 25 | $9.9M | $4.2M | ||
| Q3 25 | $1.2M | $5.6M | ||
| Q2 25 | $4.8M | $8.1M | ||
| Q1 25 | $-3.8M | $5.7M | ||
| Q4 24 | $9.8M | $-1.3M | ||
| Q3 24 | $-3.7M | $1.7M | ||
| Q2 24 | $2.8M | $5.7M | ||
| Q1 24 | $-25.0K | $5.8M |
自由现金流FNWDSLP
| Q4 25 | $9.0M | — | ||
| Q3 25 | $1.0M | $5.3M | ||
| Q2 25 | $4.5M | $7.8M | ||
| Q1 25 | $-4.0M | $5.6M | ||
| Q4 24 | $6.7M | $-1.4M | ||
| Q3 24 | $-4.2M | $1.6M | ||
| Q2 24 | $1.1M | $5.6M | ||
| Q1 24 | $-736.0K | $5.4M |
自由现金流率FNWDSLP
| Q4 25 | 54.8% | — | ||
| Q3 25 | 6.0% | 30.5% | ||
| Q2 25 | 27.0% | 38.5% | ||
| Q1 25 | -25.7% | 25.0% | ||
| Q4 24 | 41.2% | -7.2% | ||
| Q3 24 | -28.5% | 8.8% | ||
| Q2 24 | 7.6% | 30.0% | ||
| Q1 24 | -2.9% | 29.4% |
资本支出强度FNWDSLP
| Q4 25 | 5.2% | 0.0% | ||
| Q3 25 | 0.9% | 1.5% | ||
| Q2 25 | 1.7% | 1.5% | ||
| Q1 25 | 1.2% | 0.3% | ||
| Q4 24 | 18.8% | 0.5% | ||
| Q3 24 | 3.4% | 0.1% | ||
| Q2 24 | 11.2% | 0.6% | ||
| Q1 24 | 2.8% | 2.4% |
现金转化率FNWDSLP
| Q4 25 | 4.99× | 6.26× | ||
| Q3 25 | 0.34× | — | ||
| Q2 25 | 2.22× | — | ||
| Q1 25 | -8.37× | 1.84× | ||
| Q4 24 | 4.66× | -6.18× | ||
| Q3 24 | -6.15× | 1.97× | ||
| Q2 24 | 19.23× | 1.81× | ||
| Q1 24 | -0.00× | 1.44× |
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
SLP
| Services Segment | $9.5M | 52% |
| Development | $7.2M | 39% |
| Discovery | $1.3M | 7% |
