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Finward Bancorp（FNWD）与Stran & Company, Inc.（SWAG）财务数据对比。点击上方公司名可切换其他公司
Stran & Company, Inc.的季度营收约是Finward Bancorp的1.8倍（$28.9M vs $16.5M），Finward Bancorp净利率更高（12.0% vs 0.8%，领先11.2%），Stran & Company, Inc.同比增速更快（7.2% vs 1.1%），Finward Bancorp自由现金流更多（$9.0M vs $38.0K），过去两年Stran & Company, Inc.的营收复合增速更高（24.0% 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。
Stran & Company, Inc.是品牌促销产品、定制周边及一体化营销解决方案供应商，服务覆盖零售、医疗、科技、教育等领域企业客户，助力客户开展品牌宣传、用户运营及员工激励相关工作。
FNWD vs SWAG — 直观对比
营收规模更大
SWAG
是对方的1.8倍
$16.5M
营收增速更快
SWAG
高出6.1%
1.1%
净利率更高
FNWD
高出11.2%
0.8%
自由现金流更多
FNWD
多$9.0M
$38.0K
两年增速更快
SWAG
近两年复合增速
-19.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $16.5M | $28.9M |
| 净利润 | $2.0M | $243.0K |
| 毛利率 | — | 30.4% |
| 营业利润率 | 11.0% | -0.1% |
| 净利率 | 12.0% | 0.8% |
| 营收同比 | 1.1% | 7.2% |
| 净利润同比 | -5.6% | 141.5% |
| 每股收益（稀释后） | $0.46 | $0.02 |
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FNWDSWAG
| Q4 25 | $16.5M | $28.9M | ||
| Q3 25 | $17.4M | $26.0M | ||
| Q2 25 | $16.6M | $32.6M | ||
| Q1 25 | $15.5M | $28.7M | ||
| Q4 24 | $16.3M | $27.0M | ||
| Q3 24 | $14.9M | $20.1M | ||
| Q2 24 | $14.6M | $16.7M | ||
| Q1 24 | $25.3M | $18.8M |
净利润FNWDSWAG
| Q4 25 | $2.0M | $243.0K | ||
| Q3 25 | $3.5M | $-1.2M | ||
| Q2 25 | $2.2M | $643.0K | ||
| Q1 25 | $455.0K | $-393.0K | ||
| Q4 24 | $2.1M | $-586.0K | ||
| Q3 24 | $606.0K | $-2.0M | ||
| Q2 24 | $143.0K | $-1.0M | ||
| Q1 24 | $9.3M | $-491.0K |
毛利率FNWDSWAG
| Q4 25 | — | 30.4% | ||
| Q3 25 | — | 27.2% | ||
| Q2 25 | — | 30.3% | ||
| Q1 25 | — | 29.6% | ||
| Q4 24 | — | 32.5% | ||
| Q3 24 | — | 29.5% | ||
| Q2 24 | — | 32.8% | ||
| Q1 24 | — | 29.8% |
营业利润率FNWDSWAG
| Q4 25 | 11.0% | -0.1% | ||
| Q3 25 | 20.5% | -6.9% | ||
| Q2 25 | 12.7% | 1.2% | ||
| Q1 25 | 4.0% | -1.9% | ||
| Q4 24 | 16.3% | -3.5% | ||
| Q3 24 | 2.7% | -10.8% | ||
| Q2 24 | 0.9% | -6.6% | ||
| Q1 24 | 40.6% | -3.5% |
净利率FNWDSWAG
| Q4 25 | 12.0% | 0.8% | ||
| Q3 25 | 20.1% | -4.8% | ||
| Q2 25 | 12.9% | 2.0% | ||
| Q1 25 | 2.9% | -1.4% | ||
| Q4 24 | 12.9% | -2.2% | ||
| Q3 24 | 4.1% | -10.1% | ||
| Q2 24 | 1.0% | -6.1% | ||
| Q1 24 | 36.7% | -2.6% |
每股收益（稀释后）FNWDSWAG
| Q4 25 | $0.46 | $0.02 | ||
| Q3 25 | $0.81 | $-0.07 | ||
| Q2 25 | $0.50 | $0.03 | ||
| Q1 25 | $0.11 | $-0.02 | ||
| Q4 24 | $0.50 | $-0.02 | ||
| Q3 24 | $0.14 | $-0.11 | ||
| Q2 24 | $0.03 | $-0.06 | ||
| Q1 24 | $2.17 | $-0.03 |
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 | — | $11.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $174.7M | $30.5M |
| 总资产 | $2.0B | $49.3M |
| 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FNWDSWAG
| Q4 25 | — | $11.6M | ||
| Q3 25 | — | $11.8M | ||
| Q2 25 | — | $18.1M | ||
| Q1 25 | — | $12.2M | ||
| Q4 24 | — | $18.2M | ||
| Q3 24 | — | $6.9M | ||
| Q2 24 | — | $9.6M | ||
| Q1 24 | — | $10.7M |
股东权益FNWDSWAG
| Q4 25 | $174.7M | $30.5M | ||
| Q3 25 | $165.5M | $30.2M | ||
| Q2 25 | $154.3M | $31.8M | ||
| Q1 25 | $151.8M | $31.3M | ||
| Q4 24 | $151.4M | $31.6M | ||
| Q3 24 | $159.6M | $32.3M | ||
| Q2 24 | $148.6M | $34.3M | ||
| Q1 24 | $151.6M | $35.2M |
总资产FNWDSWAG
| Q4 25 | $2.0B | $49.3M | ||
| Q3 25 | $2.1B | $50.3M | ||
| Q2 25 | $2.1B | $61.2M | ||
| Q1 25 | $2.0B | $52.2M | ||
| Q4 24 | $2.1B | $55.1M | ||
| Q3 24 | $2.1B | $48.8M | ||
| Q2 24 | $2.1B | $46.6M | ||
| Q1 24 | $2.1B | $47.9M |
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 | $161.0K |
| 自由现金流经营现金流 - 资本支出 | $9.0M | $38.0K |
| 自由现金流率自由现金流/营收 | 54.8% | 0.1% |
| 资本支出强度资本支出/营收 | 5.2% | 0.4% |
| 现金转化率经营现金流/净利润 | 4.99× | 0.66× |
| 过去12个月自由现金流最近4个季度 | $10.6M | $-5.5M |
8季度趋势，按日历期对齐
经营现金流FNWDSWAG
| Q4 25 | $9.9M | $161.0K | ||
| Q3 25 | $1.2M | $-5.4M | ||
| Q2 25 | $4.8M | $6.4M | ||
| Q1 25 | $-3.8M | $-5.9M | ||
| Q4 24 | $9.8M | $1.3M | ||
| Q3 24 | $-3.7M | $-2.7M | ||
| Q2 24 | $2.8M | $2.1M | ||
| Q1 24 | $-25.0K | $2.1M |
自由现金流FNWDSWAG
| Q4 25 | $9.0M | $38.0K | ||
| Q3 25 | $1.0M | $-5.9M | ||
| Q2 25 | $4.5M | $6.3M | ||
| Q1 25 | $-4.0M | $-6.0M | ||
| Q4 24 | $6.7M | $1.2M | ||
| Q3 24 | $-4.2M | $-2.9M | ||
| Q2 24 | $1.1M | $1.9M | ||
| Q1 24 | $-736.0K | $1.9M |
自由现金流率FNWDSWAG
| Q4 25 | 54.8% | 0.1% | ||
| Q3 25 | 6.0% | -22.6% | ||
| Q2 25 | 27.0% | 19.5% | ||
| Q1 25 | -25.7% | -21.0% | ||
| Q4 24 | 41.2% | 4.6% | ||
| Q3 24 | -28.5% | -14.3% | ||
| Q2 24 | 7.6% | 11.6% | ||
| Q1 24 | -2.9% | 9.9% |
资本支出强度FNWDSWAG
| Q4 25 | 5.2% | 0.4% | ||
| Q3 25 | 0.9% | 1.9% | ||
| Q2 25 | 1.7% | 0.2% | ||
| Q1 25 | 1.2% | 0.4% | ||
| Q4 24 | 18.8% | 0.3% | ||
| Q3 24 | 3.4% | 0.7% | ||
| Q2 24 | 11.2% | 1.1% | ||
| Q1 24 | 2.8% | 1.0% |
现金转化率FNWDSWAG
| Q4 25 | 4.99× | 0.66× | ||
| Q3 25 | 0.34× | — | ||
| Q2 25 | 2.22× | 9.99× | ||
| 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
业务分部营收拆解
FNWD
暂无分部数据
SWAG
| Promotional Products Dropshipping | $11.2M | 39% |
| Casino Continuity Program | $6.9M | 24% |
| Promotional Products Company Owned Inventory | $4.6M | 16% |
| Promotional Products Bulk Dropshipping | $3.8M | 13% |
| Promotional Products Thirdparty Distributor | $1.8M | 6% |
| Other | $610.0K | 2% |
