vs
Finward Bancorp（FNWD）与蜗牛（SNAL）财务数据对比。点击上方公司名可切换其他公司
蜗牛的季度营收约是Finward Bancorp的1.5倍（$25.1M vs $16.5M），Finward Bancorp净利率更高（12.0% vs -3.4%，领先15.4%），Finward Bancorp同比增速更快（1.1% vs -4.2%），过去两年蜗牛的营收复合增速更高（33.4% 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。
苏州蜗牛数字科技股份有限公司，简称蜗牛，是总部位于苏州的中国游戏企业，同时持有虚拟运营商牌照，旗下拥有蜗牛游戏、蜗牛移动两大业务板块，北美分部负责在美洲及欧洲地区推广旗下游戏产品。蜗牛主营大型多人在线、即时战略与休闲类游戏，全球累计注册用户已超7000万。
FNWD vs SNAL — 直观对比
营收规模更大
SNAL
是对方的1.5倍
$16.5M
营收增速更快
FNWD
高出5.3%
-4.2%
净利率更高
FNWD
高出15.4%
-3.4%
两年增速更快
SNAL
近两年复合增速
-19.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $16.5M | $25.1M |
| 净利润 | $2.0M | $-862.2K |
| 毛利率 | — | 38.3% |
| 营业利润率 | 11.0% | -6.0% |
| 净利率 | 12.0% | -3.4% |
| 营收同比 | 1.1% | -4.2% |
| 净利润同比 | -5.6% | -177.0% |
| 每股收益（稀释后） | $0.46 | — |
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FNWDSNAL
| Q4 25 | $16.5M | $25.1M | ||
| Q3 25 | $17.4M | $13.8M | ||
| Q2 25 | $16.6M | $22.2M | ||
| Q1 25 | $15.5M | $20.1M | ||
| Q4 24 | $16.3M | $26.2M | ||
| Q3 24 | $14.9M | $22.5M | ||
| Q2 24 | $14.6M | $21.6M | ||
| Q1 24 | $25.3M | $14.1M |
净利润FNWDSNAL
| Q4 25 | $2.0M | $-862.2K | ||
| Q3 25 | $3.5M | $-7.9M | ||
| Q2 25 | $2.2M | $-16.6M | ||
| Q1 25 | $455.0K | $-1.9M | ||
| Q4 24 | $2.1M | $1.1M | ||
| Q3 24 | $606.0K | $235.1K | ||
| Q2 24 | $143.0K | $2.3M | ||
| Q1 24 | $9.3M | $-1.8M |
毛利率FNWDSNAL
| Q4 25 | — | 38.3% | ||
| Q3 25 | — | 0.1% | ||
| Q2 25 | — | 31.3% | ||
| Q1 25 | — | 29.1% | ||
| Q4 24 | — | 43.3% | ||
| Q3 24 | — | 38.6% | ||
| Q2 24 | — | 37.5% | ||
| Q1 24 | — | 14.7% |
营业利润率FNWDSNAL
| Q4 25 | 11.0% | -6.0% | ||
| Q3 25 | 20.5% | -71.3% | ||
| Q2 25 | 12.7% | -8.2% | ||
| Q1 25 | 4.0% | -20.4% | ||
| Q4 24 | 16.3% | 11.5% | ||
| Q3 24 | 2.7% | 1.8% | ||
| Q2 24 | 0.9% | 12.4% | ||
| Q1 24 | 40.6% | -15.6% |
净利率FNWDSNAL
| Q4 25 | 12.0% | -3.4% | ||
| Q3 25 | 20.1% | -56.9% | ||
| Q2 25 | 12.9% | -74.7% | ||
| Q1 25 | 2.9% | -9.7% | ||
| Q4 24 | 12.9% | 4.3% | ||
| Q3 24 | 4.1% | 1.0% | ||
| Q2 24 | 1.0% | 10.4% | ||
| Q1 24 | 36.7% | -12.6% |
每股收益（稀释后）FNWDSNAL
| Q4 25 | $0.46 | — | ||
| Q3 25 | $0.81 | — | ||
| Q2 25 | $0.50 | $-0.44 | ||
| Q1 25 | $0.11 | $-0.06 | ||
| Q4 24 | $0.50 | $0.03 | ||
| Q3 24 | $0.14 | $0.01 | ||
| Q2 24 | $0.03 | $0.06 | ||
| Q1 24 | $2.17 | $-0.05 |
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 | — | $8.6M |
| 总债务越低越好 | — | $14.6M |
| 股东权益账面价值 | $174.7M | $-16.4M |
| 总资产 | $2.0B | $59.3M |
| 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FNWDSNAL
| Q4 25 | — | $8.6M | ||
| Q3 25 | — | $12.3M | ||
| Q2 25 | — | $7.9M | ||
| Q1 25 | — | $9.4M | ||
| Q4 24 | — | $7.3M | ||
| Q3 24 | — | $10.6M | ||
| Q2 24 | — | $15.5M | ||
| Q1 24 | — | $16.1M |
总债务FNWDSNAL
| Q4 25 | — | $14.6M | ||
| Q3 25 | — | $10.5M | ||
| Q2 25 | — | $11.8M | ||
| Q1 25 | — | $9.0M | ||
| Q4 24 | — | $5.7M | ||
| Q3 24 | — | $5.7M | ||
| Q2 24 | — | $5.8M | ||
| Q1 24 | — | $6.5M |
股东权益FNWDSNAL
| Q4 25 | $174.7M | $-16.4M | ||
| Q3 25 | $165.5M | $-15.6M | ||
| Q2 25 | $154.3M | $-8.0M | ||
| Q1 25 | $151.8M | $9.1M | ||
| Q4 24 | $151.4M | $9.7M | ||
| Q3 24 | $159.6M | $8.2M | ||
| Q2 24 | $148.6M | $7.9M | ||
| Q1 24 | $151.6M | $5.6M |
总资产FNWDSNAL
| Q4 25 | $2.0B | $59.3M | ||
| Q3 25 | $2.1B | $51.1M | ||
| Q2 25 | $2.1B | $58.0M | ||
| Q1 25 | $2.0B | $64.5M | ||
| Q4 24 | $2.1B | $62.2M | ||
| Q3 24 | $2.1B | $66.8M | ||
| Q2 24 | $2.1B | $75.4M | ||
| Q1 24 | $2.1B | $78.3M |
负债/权益比FNWDSNAL
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 0.99× | ||
| Q4 24 | — | 0.59× | ||
| Q3 24 | — | 0.70× | ||
| Q2 24 | — | 0.73× | ||
| Q1 24 | — | 1.16× |
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 | $-5.3M |
| 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FNWDSNAL
| Q4 25 | $9.9M | $-5.3M | ||
| Q3 25 | $1.2M | $6.6M | ||
| Q2 25 | $4.8M | $-3.2M | ||
| Q1 25 | $-3.8M | $764.5K | ||
| Q4 24 | $9.8M | $-3.6M | ||
| Q3 24 | $-3.7M | $-5.0M | ||
| Q2 24 | $2.8M | $206.6K | ||
| Q1 24 | $-25.0K | $6.8M |
自由现金流FNWDSNAL
| 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 | — | ||
| Q1 24 | $-736.0K | — |
自由现金流率FNWDSNAL
| 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% | — | ||
| Q1 24 | -2.9% | — |
资本支出强度FNWDSNAL
| 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% | — | ||
| Q1 24 | 2.8% | — |
现金转化率FNWDSNAL
| Q4 25 | 4.99× | — | ||
| Q3 25 | 0.34× | — | ||
| Q2 25 | 2.22× | — | ||
| Q1 25 | -8.37× | — | ||
| Q4 24 | 4.66× | -3.21× | ||
| Q3 24 | -6.15× | -21.05× | ||
| Q2 24 | 19.23× | 0.09× | ||
| 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
业务分部营收拆解
FNWD
暂无分部数据
SNAL
| Pc | $14.7M | 59% |
| Platform Three | $5.2M | 21% |
| Platform Two | $3.3M | 13% |
| Sales Channel Directly To Consumer Mobile Sale | $1.6M | 6% |
