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Finward Bancorp（FNWD）与SuperCom Ltd（SPCB）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SuperCom Ltd的1.2倍（$16.5M vs $14.2M），SuperCom Ltd净利率更高（37.5% vs 12.0%，领先25.5%），Finward Bancorp同比增速更快（1.1% vs -1.5%），Finward Bancorp自由现金流更多（$9.0M vs $-3.6M）
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。
Super.com是一家总部位于美国旧金山的科技公司，由侯赛因·法扎勒和施亨利联合创立。该公司主营金融服务业务，具体涵盖会员奖励计划以及旅行预订等相关服务，在出行与消费金融领域深耕发展。
FNWD vs SPCB — 直观对比
营收规模更大
FNWD
是对方的1.2倍
$14.2M
营收增速更快
FNWD
高出2.5%
-1.5%
净利率更高
SPCB
高出25.5%
12.0%
自由现金流更多
FNWD
多$12.6M
$-3.6M
损益表 — Q4 FY2025 vs Q2 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $16.5M | $14.2M |
| 净利润 | $2.0M | $5.3M |
| 毛利率 | — | 61.2% |
| 营业利润率 | 11.0% | 16.3% |
| 净利率 | 12.0% | 37.5% |
| 营收同比 | 1.1% | -1.5% |
| 净利润同比 | -5.6% | 79.5% |
| 每股收益（稀释后） | $0.46 | $1.32 |
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FNWDSPCB
| Q4 25 | $16.5M | — | ||
| Q3 25 | $17.4M | — | ||
| Q2 25 | $16.6M | $14.2M | ||
| Q1 25 | $15.5M | — | ||
| Q4 24 | $16.3M | — | ||
| Q3 24 | $14.9M | — | ||
| Q2 24 | $14.6M | $14.4M | ||
| Q1 24 | $25.3M | — |
净利润FNWDSPCB
| Q4 25 | $2.0M | — | ||
| Q3 25 | $3.5M | — | ||
| Q2 25 | $2.2M | $5.3M | ||
| Q1 25 | $455.0K | — | ||
| Q4 24 | $2.1M | — | ||
| Q3 24 | $606.0K | — | ||
| Q2 24 | $143.0K | $3.0M | ||
| Q1 24 | $9.3M | — |
毛利率FNWDSPCB
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 61.2% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 52.3% | ||
| Q1 24 | — | — |
营业利润率FNWDSPCB
| Q4 25 | 11.0% | — | ||
| Q3 25 | 20.5% | — | ||
| Q2 25 | 12.7% | 16.3% | ||
| Q1 25 | 4.0% | — | ||
| Q4 24 | 16.3% | — | ||
| Q3 24 | 2.7% | — | ||
| Q2 24 | 0.9% | 7.7% | ||
| Q1 24 | 40.6% | — |
净利率FNWDSPCB
| Q4 25 | 12.0% | — | ||
| Q3 25 | 20.1% | — | ||
| Q2 25 | 12.9% | 37.5% | ||
| Q1 25 | 2.9% | — | ||
| Q4 24 | 12.9% | — | ||
| Q3 24 | 4.1% | — | ||
| Q2 24 | 1.0% | 20.6% | ||
| Q1 24 | 36.7% | — |
每股收益（稀释后）FNWDSPCB
| Q4 25 | $0.46 | — | ||
| Q3 25 | $0.81 | — | ||
| Q2 25 | $0.50 | $1.32 | ||
| Q1 25 | $0.11 | — | ||
| Q4 24 | $0.50 | — | ||
| Q3 24 | $0.14 | — | ||
| Q2 24 | $0.03 | $1.19 | ||
| Q1 24 | $2.17 | — |
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 | — | $15.0M |
| 总债务越低越好 | — | $23.6M |
| 股东权益账面价值 | $174.7M | $37.3M |
| 总资产 | $2.0B | $65.5M |
| 负债/权益比越低杠杆越低 | — | 0.63× |
8季度趋势，按日历期对齐
现金及短期投资FNWDSPCB
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $15.0M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $5.7M | ||
| Q1 24 | — | — |
总债务FNWDSPCB
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $23.6M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $29.2M | ||
| Q1 24 | — | — |
股东权益FNWDSPCB
| Q4 25 | $174.7M | — | ||
| Q3 25 | $165.5M | — | ||
| Q2 25 | $154.3M | $37.3M | ||
| Q1 25 | $151.8M | — | ||
| Q4 24 | $151.4M | — | ||
| Q3 24 | $159.6M | — | ||
| Q2 24 | $148.6M | $13.8M | ||
| Q1 24 | $151.6M | — |
总资产FNWDSPCB
| Q4 25 | $2.0B | — | ||
| Q3 25 | $2.1B | — | ||
| Q2 25 | $2.1B | $65.5M | ||
| Q1 25 | $2.0B | — | ||
| Q4 24 | $2.1B | — | ||
| Q3 24 | $2.1B | — | ||
| Q2 24 | $2.1B | $49.6M | ||
| Q1 24 | $2.1B | — |
负债/权益比FNWDSPCB
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 0.63× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 2.11× | ||
| 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 | $-2.2M |
| 自由现金流经营现金流 - 资本支出 | $9.0M | $-3.6M |
| 自由现金流率自由现金流/营收 | 54.8% | -25.3% |
| 资本支出强度资本支出/营收 | 5.2% | 10.0% |
| 现金转化率经营现金流/净利润 | 4.99× | -0.41× |
| 过去12个月自由现金流最近4个季度 | $10.6M | $-14.0M |
8季度趋势，按日历期对齐
经营现金流FNWDSPCB
| Q4 25 | $9.9M | — | ||
| Q3 25 | $1.2M | — | ||
| Q2 25 | $4.8M | $-2.2M | ||
| Q1 25 | $-3.8M | — | ||
| Q4 24 | $9.8M | — | ||
| Q3 24 | $-3.7M | — | ||
| Q2 24 | $2.8M | $-950.0K | ||
| Q1 24 | $-25.0K | — |
自由现金流FNWDSPCB
| Q4 25 | $9.0M | — | ||
| Q3 25 | $1.0M | — | ||
| Q2 25 | $4.5M | $-3.6M | ||
| Q1 25 | $-4.0M | — | ||
| Q4 24 | $6.7M | — | ||
| Q3 24 | $-4.2M | — | ||
| Q2 24 | $1.1M | $-1.6M | ||
| Q1 24 | $-736.0K | — |
自由现金流率FNWDSPCB
| Q4 25 | 54.8% | — | ||
| Q3 25 | 6.0% | — | ||
| Q2 25 | 27.0% | -25.3% | ||
| Q1 25 | -25.7% | — | ||
| Q4 24 | 41.2% | — | ||
| Q3 24 | -28.5% | — | ||
| Q2 24 | 7.6% | -10.8% | ||
| Q1 24 | -2.9% | — |
资本支出强度FNWDSPCB
| Q4 25 | 5.2% | — | ||
| Q3 25 | 0.9% | — | ||
| Q2 25 | 1.7% | 10.0% | ||
| Q1 25 | 1.2% | — | ||
| Q4 24 | 18.8% | — | ||
| Q3 24 | 3.4% | — | ||
| Q2 24 | 11.2% | 4.2% | ||
| Q1 24 | 2.8% | — |
现金转化率FNWDSPCB
| Q4 25 | 4.99× | — | ||
| Q3 25 | 0.34× | — | ||
| Q2 25 | 2.22× | -0.41× | ||
| Q1 25 | -8.37× | — | ||
| Q4 24 | 4.66× | — | ||
| Q3 24 | -6.15× | — | ||
| Q2 24 | 19.23× | -0.32× | ||
| 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
