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Finward Bancorp（FNWD）与Velo3D, Inc.（VELO）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Velo3D, Inc.的1.7倍（$16.5M vs $9.4M），Finward Bancorp净利率更高（12.0% vs -231.9%，领先243.9%），Finward Bancorp同比增速更快（1.1% vs -25.2%），Finward Bancorp自由现金流更多（$9.0M vs $-8.3M），过去两年Velo3D, Inc.的营收复合增速更高（-1.8% 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。
Velo3D是全球领先的金属3D打印解决方案提供商，主营工业级金属3D打印机、配套专用加工软件及高性能金属材料，主要服务航空航天、国防、能源、半导体等高端制造领域，可生产传统工艺难以实现的复杂高精度金属零部件。
FNWD vs VELO — 直观对比
营收规模更大
FNWD
是对方的1.7倍
$9.4M
营收增速更快
FNWD
高出26.3%
-25.2%
净利率更高
FNWD
高出243.9%
-231.9%
自由现金流更多
FNWD
多$17.4M
$-8.3M
两年增速更快
VELO
近两年复合增速
-19.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $16.5M | $9.4M |
| 净利润 | $2.0M | $-21.9M |
| 毛利率 | — | -73.6% |
| 营业利润率 | 11.0% | -231.0% |
| 净利率 | 12.0% | -231.9% |
| 营收同比 | 1.1% | -25.2% |
| 净利润同比 | -5.6% | -2.9% |
| 每股收益（稀释后） | $0.46 | $-0.87 |
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FNWDVELO
| Q4 25 | $16.5M | $9.4M | ||
| Q3 25 | $17.4M | $13.6M | ||
| Q2 25 | $16.6M | $13.6M | ||
| Q1 25 | $15.5M | $9.3M | ||
| Q4 24 | $16.3M | $12.6M | ||
| Q3 24 | $14.9M | $8.2M | ||
| Q2 24 | $14.6M | $10.3M | ||
| Q1 24 | $25.3M | $9.8M |
净利润FNWDVELO
| Q4 25 | $2.0M | $-21.9M | ||
| Q3 25 | $3.5M | $-11.2M | ||
| Q2 25 | $2.2M | $-13.3M | ||
| Q1 25 | $455.0K | $-25.0M | ||
| Q4 24 | $2.1M | $-21.3M | ||
| Q3 24 | $606.0K | $-21.9M | ||
| Q2 24 | $143.0K | $935.0K | ||
| Q1 24 | $9.3M | $-27.5M |
毛利率FNWDVELO
| Q4 25 | — | -73.6% | ||
| Q3 25 | — | 3.2% | ||
| Q2 25 | — | -11.7% | ||
| Q1 25 | — | 7.5% | ||
| Q4 24 | — | -3.5% | ||
| Q3 24 | — | 49.4% | ||
| Q2 24 | — | -28.0% | ||
| Q1 24 | — | -28.8% |
营业利润率FNWDVELO
| Q4 25 | 11.0% | -231.0% | ||
| Q3 25 | 20.5% | -73.3% | ||
| Q2 25 | 12.7% | -85.4% | ||
| Q1 25 | 4.0% | -123.6% | ||
| Q4 24 | 16.3% | -167.0% | ||
| Q3 24 | 2.7% | -213.8% | ||
| Q2 24 | 0.9% | -187.7% | ||
| Q1 24 | 40.6% | -211.1% |
净利率FNWDVELO
| Q4 25 | 12.0% | -231.9% | ||
| Q3 25 | 20.1% | -82.0% | ||
| Q2 25 | 12.9% | -97.7% | ||
| Q1 25 | 2.9% | -268.4% | ||
| Q4 24 | 12.9% | -168.5% | ||
| Q3 24 | 4.1% | -265.3% | ||
| Q2 24 | 1.0% | 9.0% | ||
| Q1 24 | 36.7% | -281.2% |
每股收益（稀释后）FNWDVELO
| Q4 25 | $0.46 | $-0.87 | ||
| Q3 25 | $0.81 | $-0.65 | ||
| Q2 25 | $0.50 | $-0.94 | ||
| Q1 25 | $0.11 | $-1.87 | ||
| Q4 24 | $0.50 | $7.06 | ||
| Q3 24 | $0.14 | $-35.52 | ||
| Q2 24 | $0.03 | $1.65 | ||
| Q1 24 | $2.17 | $-55.51 |
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 | — | $39.0M |
| 总债务越低越好 | — | $31.0M |
| 股东权益账面价值 | $174.7M | $38.2M |
| 总资产 | $2.0B | $105.3M |
| 负债/权益比越低杠杆越低 | — | 0.81× |
8季度趋势，按日历期对齐
现金及短期投资FNWDVELO
| Q4 25 | — | $39.0M | ||
| Q3 25 | — | $11.8M | ||
| Q2 25 | — | $854.0K | ||
| Q1 25 | — | $3.9M | ||
| Q4 24 | — | $1.2M | ||
| Q3 24 | — | $1.6M | ||
| Q2 24 | — | $3.2M | ||
| Q1 24 | — | $10.9M |
总债务FNWDVELO
| Q4 25 | — | $31.0M | ||
| Q3 25 | — | $23.0M | ||
| Q2 25 | — | $22.5M | ||
| Q1 25 | — | $21.7M | ||
| Q4 24 | — | $5.7M | ||
| Q3 24 | — | $32.3M | ||
| Q2 24 | — | $33.5M | ||
| Q1 24 | — | $44.0M |
股东权益FNWDVELO
| Q4 25 | $174.7M | $38.2M | ||
| Q3 25 | $165.5M | $29.9M | ||
| Q2 25 | $154.3M | $21.4M | ||
| Q1 25 | $151.8M | $32.8M | ||
| Q4 24 | $151.4M | $39.7M | ||
| Q3 24 | $159.6M | $34.4M | ||
| Q2 24 | $148.6M | $52.1M | ||
| Q1 24 | $151.6M | $45.5M |
总资产FNWDVELO
| Q4 25 | $2.0B | $105.3M | ||
| Q3 25 | $2.1B | $93.7M | ||
| Q2 25 | $2.1B | $78.4M | ||
| Q1 25 | $2.0B | $91.3M | ||
| Q4 24 | $2.1B | $89.2M | ||
| Q3 24 | $2.1B | $110.8M | ||
| Q2 24 | $2.1B | $116.7M | ||
| Q1 24 | $2.1B | $136.1M |
负债/权益比FNWDVELO
| Q4 25 | — | 0.81× | ||
| Q3 25 | — | 0.77× | ||
| Q2 25 | — | 1.05× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.14× | ||
| Q3 24 | — | 0.94× | ||
| Q2 24 | — | 0.64× | ||
| Q1 24 | — | 0.97× |
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 | $-7.7M |
| 自由现金流经营现金流 - 资本支出 | $9.0M | $-8.3M |
| 自由现金流率自由现金流/营收 | 54.8% | -88.3% |
| 资本支出强度资本支出/营收 | 5.2% | 6.4% |
| 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FNWDVELO
| Q4 25 | $9.9M | $-7.7M | ||
| Q3 25 | $1.2M | $-6.0M | ||
| Q2 25 | $4.8M | $-1.2M | ||
| Q1 25 | $-3.8M | $-12.3M | ||
| Q4 24 | $9.8M | $-2.2M | ||
| Q3 24 | $-3.7M | $-2.0M | ||
| Q2 24 | $2.8M | $-8.0M | ||
| Q1 24 | $-25.0K | $-20.5M |
自由现金流FNWDVELO
| Q4 25 | $9.0M | $-8.3M | ||
| Q3 25 | $1.0M | $-6.3M | ||
| Q2 25 | $4.5M | $-3.0M | ||
| Q1 25 | $-4.0M | — | ||
| Q4 24 | $6.7M | $-2.2M | ||
| Q3 24 | $-4.2M | $-2.0M | ||
| Q2 24 | $1.1M | $-8.0M | ||
| Q1 24 | $-736.0K | $-20.5M |
自由现金流率FNWDVELO
| Q4 25 | 54.8% | -88.3% | ||
| Q3 25 | 6.0% | -46.5% | ||
| Q2 25 | 27.0% | -22.2% | ||
| Q1 25 | -25.7% | — | ||
| Q4 24 | 41.2% | -17.7% | ||
| Q3 24 | -28.5% | -24.2% | ||
| Q2 24 | 7.6% | -77.1% | ||
| Q1 24 | -2.9% | -209.8% |
资本支出强度FNWDVELO
| Q4 25 | 5.2% | 6.4% | ||
| Q3 25 | 0.9% | 2.3% | ||
| Q2 25 | 1.7% | 13.3% | ||
| Q1 25 | 1.2% | 0.0% | ||
| Q4 24 | 18.8% | 0.2% | ||
| Q3 24 | 3.4% | 0.2% | ||
| Q2 24 | 11.2% | 0.0% | ||
| Q1 24 | 2.8% | 0.1% |
现金转化率FNWDVELO
| 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× | -8.52× | ||
| 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
