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Finward Bancorp（FNWD）与SOLESENCE, INC.（SLSN）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SOLESENCE, INC.的1.3倍（$16.5M vs $12.5M），Finward Bancorp净利率更高（12.0% vs 1.3%，领先10.7%），Finward Bancorp同比增速更快（1.1% vs -0.7%），过去两年SOLESENCE, INC.的营收复合增速更高（12.5% 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。
FNWD vs SLSN — 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
FNWD
高出1.7%
-0.7%
净利率更高
FNWD
高出10.7%
1.3%
两年增速更快
SLSN
近两年复合增速
-19.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $16.5M | $12.5M |
| 净利润 | $2.0M | $163.0K |
| 毛利率 | — | 27.5% |
| 营业利润率 | 11.0% | 1.5% |
| 净利率 | 12.0% | 1.3% |
| 营收同比 | 1.1% | -0.7% |
| 净利润同比 | -5.6% | 129.2% |
| 每股收益（稀释后） | $0.46 | $0.00 |
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FNWDSLSN
| Q4 25 | $16.5M | $12.5M | ||
| Q3 25 | $17.4M | $14.6M | ||
| Q2 25 | $16.6M | $20.4M | ||
| Q1 25 | $15.5M | $14.6M | ||
| Q4 24 | $16.3M | $12.6M | ||
| Q3 24 | $14.9M | $16.9M | ||
| Q2 24 | $14.6M | $13.0M | ||
| Q1 24 | $25.3M | $9.9M |
净利润FNWDSLSN
| Q4 25 | $2.0M | $163.0K | ||
| Q3 25 | $3.5M | $-1.1M | ||
| Q2 25 | $2.2M | $2.7M | ||
| Q1 25 | $455.0K | $80.0K | ||
| Q4 24 | $2.1M | $-559.0K | ||
| Q3 24 | $606.0K | $3.0M | ||
| Q2 24 | $143.0K | $856.0K | ||
| Q1 24 | $9.3M | $893.0K |
毛利率FNWDSLSN
| Q4 25 | — | 27.5% | ||
| Q3 25 | — | 23.1% | ||
| Q2 25 | — | 28.9% | ||
| Q1 25 | — | 23.1% | ||
| Q4 24 | — | 22.0% | ||
| Q3 24 | — | 36.2% | ||
| Q2 24 | — | 28.7% | ||
| Q1 24 | — | 36.3% |
营业利润率FNWDSLSN
| Q4 25 | 11.0% | 1.5% | ||
| Q3 25 | 20.5% | -5.4% | ||
| Q2 25 | 12.7% | 9.4% | ||
| Q1 25 | 4.0% | 1.8% | ||
| Q4 24 | 16.3% | -1.8% | ||
| Q3 24 | 2.7% | 19.0% | ||
| Q2 24 | 0.9% | 8.0% | ||
| Q1 24 | 40.6% | 11.3% |
净利率FNWDSLSN
| Q4 25 | 12.0% | 1.3% | ||
| Q3 25 | 20.1% | -7.7% | ||
| Q2 25 | 12.9% | 13.1% | ||
| Q1 25 | 2.9% | 0.5% | ||
| Q4 24 | 12.9% | -4.4% | ||
| Q3 24 | 4.1% | 18.1% | ||
| Q2 24 | 1.0% | 6.6% | ||
| Q1 24 | 36.7% | 9.0% |
每股收益（稀释后）FNWDSLSN
| Q4 25 | $0.46 | $0.00 | ||
| Q3 25 | $0.81 | $-0.02 | ||
| Q2 25 | $0.50 | $0.04 | ||
| Q1 25 | $0.11 | $0.00 | ||
| Q4 24 | $0.50 | $0.00 | ||
| Q3 24 | $0.14 | $0.04 | ||
| Q2 24 | $0.03 | $0.01 | ||
| Q1 24 | $2.17 | $0.02 |
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 | — | $1.3M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $174.7M | $17.6M |
| 总资产 | $2.0B | $50.1M |
| 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FNWDSLSN
| Q4 25 | — | $1.3M | ||
| Q3 25 | — | $429.0K | ||
| Q2 25 | — | $4.1M | ||
| Q1 25 | — | $1.8M | ||
| Q4 24 | — | $1.4M | ||
| Q3 24 | — | $2.9M | ||
| Q2 24 | — | $2.4M | ||
| Q1 24 | — | $2.0M |
股东权益FNWDSLSN
| Q4 25 | $174.7M | $17.6M | ||
| Q3 25 | $165.5M | $17.2M | ||
| Q2 25 | $154.3M | $18.2M | ||
| Q1 25 | $151.8M | $15.2M | ||
| Q4 24 | $151.4M | $14.9M | ||
| Q3 24 | $159.6M | $15.2M | ||
| Q2 24 | $148.6M | $11.9M | ||
| Q1 24 | $151.6M | $5.0M |
总资产FNWDSLSN
| Q4 25 | $2.0B | $50.1M | ||
| Q3 25 | $2.1B | $54.0M | ||
| Q2 25 | $2.1B | $60.0M | ||
| Q1 25 | $2.0B | $57.0M | ||
| Q4 24 | $2.1B | $50.0M | ||
| Q3 24 | $2.1B | $48.0M | ||
| Q2 24 | $2.1B | $40.8M | ||
| Q1 24 | $2.1B | $38.5M |
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 | $1.8M |
| 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× | 11.16× |
| 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FNWDSLSN
| Q4 25 | $9.9M | $1.8M | ||
| Q3 25 | $1.2M | $-2.5M | ||
| Q2 25 | $4.8M | $-654.0K | ||
| Q1 25 | $-3.8M | $-7.2M | ||
| Q4 24 | $9.8M | $2.2M | ||
| Q3 24 | $-3.7M | $4.2M | ||
| Q2 24 | $2.8M | $-565.0K | ||
| Q1 24 | $-25.0K | $-3.9M |
自由现金流FNWDSLSN
| Q4 25 | $9.0M | — | ||
| Q3 25 | $1.0M | — | ||
| Q2 25 | $4.5M | — | ||
| Q1 25 | $-4.0M | — | ||
| Q4 24 | $6.7M | $-404.0K | ||
| Q3 24 | $-4.2M | $2.8M | ||
| Q2 24 | $1.1M | $-1.0M | ||
| Q1 24 | $-736.0K | $-3.9M |
自由现金流率FNWDSLSN
| Q4 25 | 54.8% | — | ||
| Q3 25 | 6.0% | — | ||
| Q2 25 | 27.0% | — | ||
| Q1 25 | -25.7% | — | ||
| Q4 24 | 41.2% | -3.2% | ||
| Q3 24 | -28.5% | 16.6% | ||
| Q2 24 | 7.6% | -8.0% | ||
| Q1 24 | -2.9% | -39.9% |
资本支出强度FNWDSLSN
| Q4 25 | 5.2% | — | ||
| Q3 25 | 0.9% | — | ||
| Q2 25 | 1.7% | — | ||
| Q1 25 | 1.2% | — | ||
| Q4 24 | 18.8% | 20.6% | ||
| Q3 24 | 3.4% | 8.3% | ||
| Q2 24 | 11.2% | 3.7% | ||
| Q1 24 | 2.8% | 0.9% |
现金转化率FNWDSLSN
| Q4 25 | 4.99× | 11.16× | ||
| Q3 25 | 0.34× | — | ||
| Q2 25 | 2.22× | -0.25× | ||
| Q1 25 | -8.37× | -90.26× | ||
| Q4 24 | 4.66× | — | ||
| Q3 24 | -6.15× | 1.38× | ||
| Q2 24 | 19.23× | -0.66× | ||
| Q1 24 | -0.00× | -4.32× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
