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Finward Bancorp（FNWD）与Spire Global, Inc.（SPIR）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Spire Global, Inc.的1.0倍（$16.5M vs $15.8M），Finward Bancorp净利率更高（12.0% vs -176.6%，领先188.6%），Finward Bancorp同比增速更快（1.1% vs -26.9%），Finward Bancorp自由现金流更多（$9.0M vs $-16.2M），过去两年Finward Bancorp的营收复合增速更高（-19.1% vs -32.6%）
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。
Spire Global, Inc.是一家天基云数据与分析服务企业，核心业务依托由大量纳米卫星组成的卫星星座，提供覆盖全球的多领域数据集追踪服务，具体包含船舶航运追踪、航空航行监控以及气象模式观测等相关业务，服务覆盖全球范围。
FNWD vs SPIR — 直观对比
营收规模更大
FNWD
是对方的1.0倍
$15.8M
营收增速更快
FNWD
高出28.0%
-26.9%
净利率更高
FNWD
高出188.6%
-176.6%
自由现金流更多
FNWD
多$25.2M
$-16.2M
两年增速更快
FNWD
近两年复合增速
-32.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $16.5M | $15.8M |
| 净利润 | $2.0M | $-28.0M |
| 毛利率 | — | 40.2% |
| 营业利润率 | 11.0% | -164.1% |
| 净利率 | 12.0% | -176.6% |
| 营收同比 | 1.1% | -26.9% |
| 净利润同比 | -5.6% | 42.7% |
| 每股收益（稀释后） | $0.46 | $-0.85 |
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FNWDSPIR
| Q4 25 | $16.5M | $15.8M | ||
| Q3 25 | $17.4M | $12.7M | ||
| Q2 25 | $16.6M | $19.2M | ||
| Q1 25 | $15.5M | $23.9M | ||
| Q4 24 | $16.3M | $21.7M | ||
| Q3 24 | $14.9M | $28.6M | ||
| Q2 24 | $14.6M | $25.4M | ||
| Q1 24 | $25.3M | $34.8M |
净利润FNWDSPIR
| Q4 25 | $2.0M | $-28.0M | ||
| Q3 25 | $3.5M | $-19.7M | ||
| Q2 25 | $2.2M | $119.6M | ||
| Q1 25 | $455.0K | $-20.7M | ||
| Q4 24 | $2.1M | $-48.8M | ||
| Q3 24 | $606.0K | $-12.5M | ||
| Q2 24 | $143.0K | $-16.6M | ||
| Q1 24 | $9.3M | $-25.5M |
毛利率FNWDSPIR
| Q4 25 | — | 40.2% | ||
| Q3 25 | — | 36.6% | ||
| Q2 25 | — | 48.9% | ||
| Q1 25 | — | 36.8% | ||
| Q4 24 | — | 32.4% | ||
| Q3 24 | — | 44.5% | ||
| Q2 24 | — | 43.0% | ||
| Q1 24 | — | 26.5% |
营业利润率FNWDSPIR
| Q4 25 | 11.0% | -164.1% | ||
| Q3 25 | 20.5% | -166.1% | ||
| Q2 25 | 12.7% | -122.7% | ||
| Q1 25 | 4.0% | -106.5% | ||
| Q4 24 | 16.3% | -144.1% | ||
| Q3 24 | 2.7% | -48.0% | ||
| Q2 24 | 0.9% | -48.6% | ||
| Q1 24 | 40.6% | -34.4% |
净利率FNWDSPIR
| Q4 25 | 12.0% | -176.6% | ||
| Q3 25 | 20.1% | -155.3% | ||
| Q2 25 | 12.9% | 623.4% | ||
| Q1 25 | 2.9% | -86.5% | ||
| Q4 24 | 12.9% | -225.2% | ||
| Q3 24 | 4.1% | -43.7% | ||
| Q2 24 | 1.0% | -65.2% | ||
| Q1 24 | 36.7% | -73.3% |
每股收益（稀释后）FNWDSPIR
| Q4 25 | $0.46 | $-0.85 | ||
| Q3 25 | $0.81 | $-0.61 | ||
| Q2 25 | $0.50 | $3.72 | ||
| Q1 25 | $0.11 | $-0.77 | ||
| Q4 24 | $0.50 | $-1.93 | ||
| Q3 24 | $0.14 | $-0.50 | ||
| Q2 24 | $0.03 | $-0.68 | ||
| Q1 24 | $2.17 | $-1.17 |
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 | — | $81.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $174.7M | $112.9M |
| 总资产 | $2.0B | $211.0M |
| 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FNWDSPIR
| Q4 25 | — | $81.8M | ||
| Q3 25 | — | $96.8M | ||
| Q2 25 | — | $117.6M | ||
| Q1 25 | — | $35.9M | ||
| Q4 24 | — | $19.2M | ||
| Q3 24 | — | $36.6M | ||
| Q2 24 | — | $45.8M | ||
| Q1 24 | — | $63.7M |
总债务FNWDSPIR
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $103.7M | ||
| Q4 24 | — | $103.1M | ||
| Q3 24 | — | $4.9M | ||
| Q2 24 | — | $4.9M | ||
| Q1 24 | — | $123.1M |
股东权益FNWDSPIR
| Q4 25 | $174.7M | $112.9M | ||
| Q3 25 | $165.5M | $133.1M | ||
| Q2 25 | $154.3M | $149.2M | ||
| Q1 25 | $151.8M | $3.7M | ||
| Q4 24 | $151.4M | $-11.7M | ||
| Q3 24 | $159.6M | $30.8M | ||
| Q2 24 | $148.6M | $40.3M | ||
| Q1 24 | $151.6M | $52.5M |
总资产FNWDSPIR
| Q4 25 | $2.0B | $211.0M | ||
| Q3 25 | $2.1B | $224.3M | ||
| Q2 25 | $2.1B | $239.5M | ||
| Q1 25 | $2.0B | $208.8M | ||
| Q4 24 | $2.1B | $193.6M | ||
| Q3 24 | $2.1B | $224.2M | ||
| Q2 24 | $2.1B | $230.8M | ||
| Q1 24 | $2.1B | $252.3M |
负债/权益比FNWDSPIR
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 27.92× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.16× | ||
| Q2 24 | — | 0.12× | ||
| Q1 24 | — | 2.35× |
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 | $-4.3M |
| 自由现金流经营现金流 - 资本支出 | $9.0M | $-16.2M |
| 自由现金流率自由现金流/营收 | 54.8% | -102.1% |
| 资本支出强度资本支出/营收 | 5.2% | 75.1% |
| 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 | $-92.6M |
8季度趋势，按日历期对齐
经营现金流FNWDSPIR
| Q4 25 | $9.9M | $-4.3M | ||
| Q3 25 | $1.2M | $-12.0M | ||
| Q2 25 | $4.8M | $-35.1M | ||
| Q1 25 | $-3.8M | $-8.4M | ||
| Q4 24 | $9.8M | $-19.2M | ||
| Q3 24 | $-3.7M | $14.0M | ||
| Q2 24 | $2.8M | $-4.4M | ||
| Q1 24 | $-25.0K | $-8.8M |
自由现金流FNWDSPIR
| Q4 25 | $9.0M | $-16.2M | ||
| Q3 25 | $1.0M | $-20.4M | ||
| Q2 25 | $4.5M | $-38.7M | ||
| Q1 25 | $-4.0M | $-17.3M | ||
| Q4 24 | $6.7M | $-24.3M | ||
| Q3 24 | $-4.2M | $5.1M | ||
| Q2 24 | $1.1M | $-9.9M | ||
| Q1 24 | $-736.0K | $-15.9M |
自由现金流率FNWDSPIR
| Q4 25 | 54.8% | -102.1% | ||
| Q3 25 | 6.0% | -161.3% | ||
| Q2 25 | 27.0% | -201.7% | ||
| Q1 25 | -25.7% | -72.6% | ||
| Q4 24 | 41.2% | -112.2% | ||
| Q3 24 | -28.5% | 17.8% | ||
| Q2 24 | 7.6% | -39.0% | ||
| Q1 24 | -2.9% | -45.7% |
资本支出强度FNWDSPIR
| Q4 25 | 5.2% | 75.1% | ||
| Q3 25 | 0.9% | 66.2% | ||
| Q2 25 | 1.7% | 18.8% | ||
| Q1 25 | 1.2% | 37.3% | ||
| Q4 24 | 18.8% | 23.5% | ||
| Q3 24 | 3.4% | 31.2% | ||
| Q2 24 | 11.2% | 21.8% | ||
| Q1 24 | 2.8% | 20.3% |
现金转化率FNWDSPIR
| Q4 25 | 4.99× | — | ||
| Q3 25 | 0.34× | — | ||
| Q2 25 | 2.22× | -0.29× | ||
| Q1 25 | -8.37× | — | ||
| Q4 24 | 4.66× | — | ||
| Q3 24 | -6.15× | — | ||
| Q2 24 | 19.23× | — | ||
| 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
