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Finward Bancorp（FNWD）与泛美白银（USAS）财务数据对比。点击上方公司名可切换其他公司
泛美白银的季度营收约是Finward Bancorp的1.2倍（$19.1M vs $16.5M），Finward Bancorp净利率更高（12.0% vs -82.3%，领先94.3%），Finward Bancorp同比增速更快（1.1% vs -28.0%），Finward Bancorp自由现金流更多（$9.0M vs $-41.3M）
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。
泛美白银是一家总部位于加拿大的矿业企业，业务布局集中在拉丁美洲，在墨西哥、秘鲁、玻利维亚、阿根廷多国持有运营矿山及其他矿产开发项目，是美洲地区重要的贵金属开采企业。
FNWD vs USAS — 直观对比
营收规模更大
USAS
是对方的1.2倍
$16.5M
营收增速更快
FNWD
高出29.1%
-28.0%
净利率更高
FNWD
高出94.3%
-82.3%
自由现金流更多
FNWD
多$50.4M
$-41.3M
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $16.5M | $19.1M |
| 净利润 | $2.0M | $-15.7M |
| 毛利率 | — | 34.2% |
| 营业利润率 | 11.0% | — |
| 净利率 | 12.0% | -82.3% |
| 营收同比 | 1.1% | -28.0% |
| 净利润同比 | -5.6% | 2.8% |
| 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FNWDUSAS
| Q4 25 | $16.5M | — | ||
| Q3 25 | $17.4M | $19.1M | ||
| Q2 25 | $16.6M | — | ||
| Q1 25 | $15.5M | — | ||
| Q4 24 | $16.3M | — | ||
| Q3 24 | $14.9M | $26.5M | ||
| Q2 24 | $14.6M | — | ||
| Q1 24 | $25.3M | — |
净利润FNWDUSAS
| Q4 25 | $2.0M | — | ||
| Q3 25 | $3.5M | $-15.7M | ||
| Q2 25 | $2.2M | — | ||
| Q1 25 | $455.0K | — | ||
| Q4 24 | $2.1M | — | ||
| Q3 24 | $606.0K | $-16.2M | ||
| Q2 24 | $143.0K | — | ||
| Q1 24 | $9.3M | — |
毛利率FNWDUSAS
| Q4 25 | — | — | ||
| Q3 25 | — | 34.2% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 23.6% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
营业利润率FNWDUSAS
| Q4 25 | 11.0% | — | ||
| Q3 25 | 20.5% | — | ||
| Q2 25 | 12.7% | — | ||
| Q1 25 | 4.0% | — | ||
| Q4 24 | 16.3% | — | ||
| Q3 24 | 2.7% | — | ||
| Q2 24 | 0.9% | — | ||
| Q1 24 | 40.6% | — |
净利率FNWDUSAS
| Q4 25 | 12.0% | — | ||
| Q3 25 | 20.1% | -82.3% | ||
| Q2 25 | 12.9% | — | ||
| Q1 25 | 2.9% | — | ||
| Q4 24 | 12.9% | — | ||
| Q3 24 | 4.1% | -60.9% | ||
| Q2 24 | 1.0% | — | ||
| Q1 24 | 36.7% | — |
每股收益（稀释后）FNWDUSAS
| Q4 25 | $0.46 | — | ||
| Q3 25 | $0.81 | — | ||
| Q2 25 | $0.50 | — | ||
| Q1 25 | $0.11 | — | ||
| Q4 24 | $0.50 | — | ||
| Q3 24 | $0.14 | — | ||
| Q2 24 | $0.03 | — | ||
| 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 | — | $39.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $174.7M | $50.2M |
| 总资产 | $2.0B | $234.7M |
| 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FNWDUSAS
| Q4 25 | — | — | ||
| Q3 25 | — | $39.1M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益FNWDUSAS
| Q4 25 | $174.7M | — | ||
| Q3 25 | $165.5M | $50.2M | ||
| Q2 25 | $154.3M | — | ||
| Q1 25 | $151.8M | — | ||
| Q4 24 | $151.4M | — | ||
| Q3 24 | $159.6M | $53.1M | ||
| Q2 24 | $148.6M | — | ||
| Q1 24 | $151.6M | — |
总资产FNWDUSAS
| Q4 25 | $2.0B | — | ||
| Q3 25 | $2.1B | $234.7M | ||
| Q2 25 | $2.1B | — | ||
| Q1 25 | $2.0B | — | ||
| Q4 24 | $2.1B | — | ||
| Q3 24 | $2.1B | — | ||
| Q2 24 | $2.1B | — | ||
| Q1 24 | $2.1B | — |
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 | $-12.5M |
| 自由现金流经营现金流 - 资本支出 | $9.0M | $-41.3M |
| 自由现金流率自由现金流/营收 | 54.8% | -216.5% |
| 资本支出强度资本支出/营收 | 5.2% | 150.8% |
| 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FNWDUSAS
| Q4 25 | $9.9M | — | ||
| Q3 25 | $1.2M | $-12.5M | ||
| Q2 25 | $4.8M | — | ||
| Q1 25 | $-3.8M | — | ||
| Q4 24 | $9.8M | — | ||
| Q3 24 | $-3.7M | $2.4M | ||
| Q2 24 | $2.8M | — | ||
| Q1 24 | $-25.0K | — |
自由现金流FNWDUSAS
| Q4 25 | $9.0M | — | ||
| Q3 25 | $1.0M | $-41.3M | ||
| Q2 25 | $4.5M | — | ||
| Q1 25 | $-4.0M | — | ||
| Q4 24 | $6.7M | — | ||
| Q3 24 | $-4.2M | $-11.2M | ||
| Q2 24 | $1.1M | — | ||
| Q1 24 | $-736.0K | — |
自由现金流率FNWDUSAS
| Q4 25 | 54.8% | — | ||
| Q3 25 | 6.0% | -216.5% | ||
| Q2 25 | 27.0% | — | ||
| Q1 25 | -25.7% | — | ||
| Q4 24 | 41.2% | — | ||
| Q3 24 | -28.5% | -42.2% | ||
| Q2 24 | 7.6% | — | ||
| Q1 24 | -2.9% | — |
资本支出强度FNWDUSAS
| Q4 25 | 5.2% | — | ||
| Q3 25 | 0.9% | 150.8% | ||
| Q2 25 | 1.7% | — | ||
| Q1 25 | 1.2% | — | ||
| Q4 24 | 18.8% | — | ||
| Q3 24 | 3.4% | 51.2% | ||
| Q2 24 | 11.2% | — | ||
| Q1 24 | 2.8% | — |
现金转化率FNWDUSAS
| Q4 25 | 4.99× | — | ||
| Q3 25 | 0.34× | — | ||
| Q2 25 | 2.22× | — | ||
| 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
