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Finward Bancorp（FNWD）与TRANSACT TECHNOLOGIES INC（TACT）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TRANSACT TECHNOLOGIES INC的1.4倍（$16.5M vs $11.5M），TRANSACT TECHNOLOGIES INC同比增速更快（11.9% vs 1.1%），Finward Bancorp自由现金流更多（$9.0M vs $589.0K），过去两年TRANSACT TECHNOLOGIES INC的营收复合增速更高（3.5% 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。
该公司相关归属主体罗珀技术公司是一家控股集团，主要投资控股科技领域的各类企业，业务覆盖多个科技细分赛道，依托旗下子公司开展多元化科技业务布局。
FNWD vs TACT — 直观对比
营收规模更大
FNWD
是对方的1.4倍
$11.5M
营收增速更快
TACT
高出10.9%
1.1%
自由现金流更多
FNWD
多$8.5M
$589.0K
两年增速更快
TACT
近两年复合增速
-19.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $16.5M | $11.5M |
| 净利润 | $2.0M | — |
| 毛利率 | — | 47.6% |
| 营业利润率 | 11.0% | -10.1% |
| 净利率 | 12.0% | — |
| 营收同比 | 1.1% | 11.9% |
| 净利润同比 | -5.6% | — |
| 每股收益（稀释后） | $0.46 | $-0.11 |
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FNWDTACT
| Q4 25 | $16.5M | $11.5M | ||
| Q3 25 | $17.4M | $13.2M | ||
| Q2 25 | $16.6M | $13.8M | ||
| Q1 25 | $15.5M | $13.1M | ||
| Q4 24 | $16.3M | $10.2M | ||
| Q3 24 | $14.9M | $10.9M | ||
| Q2 24 | $14.6M | $11.6M | ||
| Q1 24 | $25.3M | $10.7M |
净利润FNWDTACT
| Q4 25 | $2.0M | — | ||
| Q3 25 | $3.5M | $15.0K | ||
| Q2 25 | $2.2M | $-143.0K | ||
| Q1 25 | $455.0K | $19.0K | ||
| Q4 24 | $2.1M | — | ||
| Q3 24 | $606.0K | $-551.0K | ||
| Q2 24 | $143.0K | $-319.0K | ||
| Q1 24 | $9.3M | $-1.0M |
毛利率FNWDTACT
| Q4 25 | — | 47.6% | ||
| Q3 25 | — | 49.8% | ||
| Q2 25 | — | 48.2% | ||
| Q1 25 | — | 48.7% | ||
| Q4 24 | — | 44.2% | ||
| Q3 24 | — | 48.1% | ||
| Q2 24 | — | 52.7% | ||
| Q1 24 | — | 52.6% |
营业利润率FNWDTACT
| Q4 25 | 11.0% | -10.1% | ||
| Q3 25 | 20.5% | 0.1% | ||
| Q2 25 | 12.7% | -1.9% | ||
| Q1 25 | 4.0% | -0.1% | ||
| Q4 24 | 16.3% | -10.3% | ||
| Q3 24 | 2.7% | -7.7% | ||
| Q2 24 | 0.9% | -3.8% | ||
| Q1 24 | 40.6% | -12.2% |
净利率FNWDTACT
| Q4 25 | 12.0% | — | ||
| Q3 25 | 20.1% | 0.1% | ||
| Q2 25 | 12.9% | -1.0% | ||
| Q1 25 | 2.9% | 0.1% | ||
| Q4 24 | 12.9% | — | ||
| Q3 24 | 4.1% | -5.1% | ||
| Q2 24 | 1.0% | -2.8% | ||
| Q1 24 | 36.7% | -9.7% |
每股收益（稀释后）FNWDTACT
| Q4 25 | $0.46 | $-0.11 | ||
| Q3 25 | $0.81 | $0.00 | ||
| Q2 25 | $0.50 | $-0.01 | ||
| Q1 25 | $0.11 | $0.00 | ||
| Q4 24 | $0.50 | $-0.80 | ||
| Q3 24 | $0.14 | $-0.06 | ||
| Q2 24 | $0.03 | $-0.03 | ||
| Q1 24 | $2.17 | $-0.10 |
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 | — | $20.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $174.7M | $31.1M |
| 总资产 | $2.0B | $44.8M |
| 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FNWDTACT
| Q4 25 | — | $20.4M | ||
| Q3 25 | — | $20.0M | ||
| Q2 25 | — | $17.7M | ||
| Q1 25 | — | $14.2M | ||
| Q4 24 | — | $14.4M | ||
| Q3 24 | — | $11.3M | ||
| Q2 24 | — | $11.1M | ||
| Q1 24 | — | $10.6M |
股东权益FNWDTACT
| Q4 25 | $174.7M | $31.1M | ||
| Q3 25 | $165.5M | $31.8M | ||
| Q2 25 | $154.3M | $31.3M | ||
| Q1 25 | $151.8M | $30.9M | ||
| Q4 24 | $151.4M | $30.6M | ||
| Q3 24 | $159.6M | $38.4M | ||
| Q2 24 | $148.6M | $38.5M | ||
| Q1 24 | $151.6M | $38.6M |
总资产FNWDTACT
| Q4 25 | $2.0B | $44.8M | ||
| Q3 25 | $2.1B | $45.0M | ||
| Q2 25 | $2.1B | $44.5M | ||
| Q1 25 | $2.0B | $44.2M | ||
| Q4 24 | $2.1B | $44.0M | ||
| Q3 24 | $2.1B | $50.5M | ||
| Q2 24 | $2.1B | $50.4M | ||
| Q1 24 | $2.1B | $51.9M |
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 | $609.0K |
| 自由现金流经营现金流 - 资本支出 | $9.0M | $589.0K |
| 自由现金流率自由现金流/营收 | 54.8% | 5.1% |
| 资本支出强度资本支出/营收 | 5.2% | 0.2% |
| 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 | $7.6M |
8季度趋势，按日历期对齐
经营现金流FNWDTACT
| Q4 25 | $9.9M | $609.0K | ||
| Q3 25 | $1.2M | $3.6M | ||
| Q2 25 | $4.8M | $3.6M | ||
| Q1 25 | $-3.8M | $-161.0K | ||
| Q4 24 | $9.8M | $2.4M | ||
| Q3 24 | $-3.7M | $327.0K | ||
| Q2 24 | $2.8M | $636.0K | ||
| Q1 24 | $-25.0K | $-1.5M |
自由现金流FNWDTACT
| Q4 25 | $9.0M | $589.0K | ||
| Q3 25 | $1.0M | $3.6M | ||
| Q2 25 | $4.5M | $3.6M | ||
| Q1 25 | $-4.0M | $-171.0K | ||
| Q4 24 | $6.7M | $2.4M | ||
| Q3 24 | $-4.2M | $259.0K | ||
| Q2 24 | $1.1M | $499.0K | ||
| Q1 24 | $-736.0K | $-1.6M |
自由现金流率FNWDTACT
| Q4 25 | 54.8% | 5.1% | ||
| Q3 25 | 6.0% | 27.1% | ||
| Q2 25 | 27.0% | 25.9% | ||
| Q1 25 | -25.7% | -1.3% | ||
| Q4 24 | 41.2% | 23.2% | ||
| Q3 24 | -28.5% | 2.4% | ||
| Q2 24 | 7.6% | 4.3% | ||
| Q1 24 | -2.9% | -14.9% |
资本支出强度FNWDTACT
| Q4 25 | 5.2% | 0.2% | ||
| Q3 25 | 0.9% | 0.5% | ||
| Q2 25 | 1.7% | 0.1% | ||
| Q1 25 | 1.2% | 0.1% | ||
| Q4 24 | 18.8% | 0.1% | ||
| Q3 24 | 3.4% | 0.6% | ||
| Q2 24 | 11.2% | 1.2% | ||
| Q1 24 | 2.8% | 1.0% |
现金转化率FNWDTACT
| Q4 25 | 4.99× | — | ||
| Q3 25 | 0.34× | 242.00× | ||
| Q2 25 | 2.22× | — | ||
| Q1 25 | -8.37× | -8.47× | ||
| 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
