vs
Finward Bancorp（FNWD）与WINMARK CORP（WINA）财务数据对比。点击上方公司名可切换其他公司
WINMARK CORP的季度营收约是Finward Bancorp的1.3倍（$21.1M vs $16.5M），WINMARK CORP净利率更高（47.2% vs 12.0%，领先35.2%），WINMARK CORP同比增速更快（7.9% vs 1.1%），Finward Bancorp自由现金流更多（$9.0M vs $8.5M），过去两年WINMARK CORP的营收复合增速更高（2.4% 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。
温马克公司是美国的二手商品零售特许经营商，总部位于明尼苏达州明尼阿波利斯，旗下运营五大零售品牌，专注于二手商品的收售业务。公司1988年由罗恩·奥尔森与杰弗里·达尔伯格创立，最初名为Play It Again Sports特许经营公司，1993年更名为Grow Biz国际并于同年上市。
FNWD vs WINA — 直观对比
营收规模更大
WINA
是对方的1.3倍
$16.5M
营收增速更快
WINA
高出6.8%
1.1%
净利率更高
WINA
高出35.2%
12.0%
自由现金流更多
FNWD
多$544.6K
$8.5M
两年增速更快
WINA
近两年复合增速
-19.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $16.5M | $21.1M |
| 净利润 | $2.0M | $10.0M |
| 毛利率 | — | — |
| 营业利润率 | 11.0% | 61.7% |
| 净利率 | 12.0% | 47.2% |
| 营收同比 | 1.1% | 7.9% |
| 净利润同比 | -5.6% | 3.9% |
| 每股收益（稀释后） | $0.46 | $2.68 |
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FNWDWINA
| Q4 25 | $16.5M | $21.1M | ||
| Q3 25 | $17.4M | $22.6M | ||
| Q2 25 | $16.6M | $20.4M | ||
| Q1 25 | $15.5M | $21.9M | ||
| Q4 24 | $16.3M | $19.5M | ||
| Q3 24 | $14.9M | $21.5M | ||
| Q2 24 | $14.6M | $20.1M | ||
| Q1 24 | $25.3M | $20.1M |
净利润FNWDWINA
| Q4 25 | $2.0M | $10.0M | ||
| Q3 25 | $3.5M | $11.1M | ||
| Q2 25 | $2.2M | $10.6M | ||
| Q1 25 | $455.0K | $10.0M | ||
| Q4 24 | $2.1M | $9.6M | ||
| Q3 24 | $606.0K | $11.1M | ||
| Q2 24 | $143.0K | $10.4M | ||
| Q1 24 | $9.3M | $8.8M |
营业利润率FNWDWINA
| Q4 25 | 11.0% | 61.7% | ||
| Q3 25 | 20.5% | 65.9% | ||
| Q2 25 | 12.7% | 64.0% | ||
| Q1 25 | 4.0% | 62.0% | ||
| Q4 24 | 16.3% | 65.3% | ||
| Q3 24 | 2.7% | 69.4% | ||
| Q2 24 | 0.9% | 64.7% | ||
| Q1 24 | 40.6% | 60.8% |
净利率FNWDWINA
| Q4 25 | 12.0% | 47.2% | ||
| Q3 25 | 20.1% | 49.2% | ||
| Q2 25 | 12.9% | 51.9% | ||
| Q1 25 | 2.9% | 45.4% | ||
| Q4 24 | 12.9% | 49.0% | ||
| Q3 24 | 4.1% | 51.7% | ||
| Q2 24 | 1.0% | 51.8% | ||
| Q1 24 | 36.7% | 43.9% |
每股收益（稀释后）FNWDWINA
| Q4 25 | $0.46 | $2.68 | ||
| Q3 25 | $0.81 | $3.02 | ||
| Q2 25 | $0.50 | $2.89 | ||
| Q1 25 | $0.11 | $2.71 | ||
| Q4 24 | $0.50 | $2.60 | ||
| Q3 24 | $0.14 | $3.03 | ||
| Q2 24 | $0.03 | $2.85 | ||
| Q1 24 | $2.17 | $2.41 |
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 | — | $10.3M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $174.7M | $-53.7M |
| 总资产 | $2.0B | $24.9M |
| 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FNWDWINA
| Q4 25 | — | $10.3M | ||
| Q3 25 | — | $39.7M | ||
| Q2 25 | — | $28.8M | ||
| Q1 25 | — | $21.8M | ||
| Q4 24 | — | $12.2M | ||
| Q3 24 | — | $37.2M | ||
| Q2 24 | — | $29.4M | ||
| Q1 24 | — | $22.9M |
股东权益FNWDWINA
| Q4 25 | $174.7M | $-53.7M | ||
| Q3 25 | $165.5M | $-26.3M | ||
| Q2 25 | $154.3M | $-36.8M | ||
| Q1 25 | $151.8M | $-45.9M | ||
| Q4 24 | $151.4M | $-51.0M | ||
| Q3 24 | $159.6M | $-33.7M | ||
| Q2 24 | $148.6M | $-42.2M | ||
| Q1 24 | $151.6M | $-52.6M |
总资产FNWDWINA
| Q4 25 | $2.0B | $24.9M | ||
| Q3 25 | $2.1B | $53.7M | ||
| Q2 25 | $2.1B | $43.2M | ||
| Q1 25 | $2.0B | $37.1M | ||
| Q4 24 | $2.1B | $26.8M | ||
| Q3 24 | $2.1B | $52.0M | ||
| Q2 24 | $2.1B | $44.7M | ||
| Q1 24 | $2.1B | $38.3M |
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 | $8.5M |
| 自由现金流经营现金流 - 资本支出 | $9.0M | $8.5M |
| 自由现金流率自由现金流/营收 | 54.8% | 40.3% |
| 资本支出强度资本支出/营收 | 5.2% | 0.1% |
| 现金转化率经营现金流/净利润 | 4.99× | 0.86× |
| 过去12个月自由现金流最近4个季度 | $10.6M | $44.7M |
8季度趋势，按日历期对齐
经营现金流FNWDWINA
| Q4 25 | $9.9M | $8.5M | ||
| Q3 25 | $1.2M | $12.3M | ||
| Q2 25 | $4.8M | $9.0M | ||
| Q1 25 | $-3.8M | $15.1M | ||
| Q4 24 | $9.8M | $8.5M | ||
| Q3 24 | $-3.7M | $12.1M | ||
| Q2 24 | $2.8M | $8.2M | ||
| Q1 24 | $-25.0K | $13.4M |
自由现金流FNWDWINA
| Q4 25 | $9.0M | $8.5M | ||
| Q3 25 | $1.0M | $12.2M | ||
| Q2 25 | $4.5M | $9.0M | ||
| Q1 25 | $-4.0M | $15.0M | ||
| Q4 24 | $6.7M | — | ||
| Q3 24 | $-4.2M | $12.1M | ||
| Q2 24 | $1.1M | $8.1M | ||
| Q1 24 | $-736.0K | $13.3M |
自由现金流率FNWDWINA
| Q4 25 | 54.8% | 40.3% | ||
| Q3 25 | 6.0% | 53.8% | ||
| Q2 25 | 27.0% | 44.0% | ||
| Q1 25 | -25.7% | 68.6% | ||
| Q4 24 | 41.2% | — | ||
| Q3 24 | -28.5% | 56.3% | ||
| Q2 24 | 7.6% | 40.4% | ||
| Q1 24 | -2.9% | 66.0% |
资本支出强度FNWDWINA
| Q4 25 | 5.2% | 0.1% | ||
| Q3 25 | 0.9% | 0.3% | ||
| Q2 25 | 1.7% | 0.3% | ||
| Q1 25 | 1.2% | 0.2% | ||
| Q4 24 | 18.8% | 0.0% | ||
| Q3 24 | 3.4% | 0.0% | ||
| Q2 24 | 11.2% | 0.5% | ||
| Q1 24 | 2.8% | 0.4% |
现金转化率FNWDWINA
| Q4 25 | 4.99× | 0.86× | ||
| Q3 25 | 0.34× | 1.10× | ||
| Q2 25 | 2.22× | 0.85× | ||
| Q1 25 | -8.37× | 1.51× | ||
| Q4 24 | 4.66× | 0.88× | ||
| Q3 24 | -6.15× | 1.09× | ||
| Q2 24 | 19.23× | 0.79× | ||
| Q1 24 | -0.00× | 1.52× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
