vs
Forian Inc.（FORA）与Pathfinder Bancorp, Inc.（PBHC）财务数据对比。点击上方公司名可切换其他公司
Pathfinder Bancorp, Inc.的季度营收约是Forian Inc.的1.5倍（$11.8M vs $8.0M），Forian Inc.净利率更高（-22.9% vs -52.9%，领先30.1%），Forian Inc.同比增速更快（37.0% vs -22.6%），过去两年Forian Inc.的营收复合增速更高（27.8% vs 3.0%）
Forian Inc是一家专注于医疗健康领域的数据分析与技术服务商，提供SaaS模式的真实世界证据解决方案、临床决策支持工具及运营优化服务，客户覆盖生物制药企业、医疗机构及生命科学领域相关机构，助力提升诊疗效率、推动医学研究进展。
Pathfinder Bancorp, Inc.是美国区域性银行控股公司，旗下运营探路者银行，服务纽约州中部市场，为个人消费者及中小企业提供存款账户、住房抵押贷款、商业贷款、财富管理等各类金融服务。
FORA vs PBHC — 直观对比
营收规模更大
PBHC
是对方的1.5倍
$8.0M
营收增速更快
FORA
高出59.6%
-22.6%
净利率更高
FORA
高出30.1%
-52.9%
两年增速更快
FORA
近两年复合增速
3.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $8.0M | $11.8M |
| 净利润 | $-1.8M | $-5.6M |
| 毛利率 | 49.2% | — |
| 营业利润率 | -24.4% | -81.1% |
| 净利率 | -22.9% | -52.9% |
| 营收同比 | 37.0% | -22.6% |
| 净利润同比 | -1012.2% | -242.4% |
| 每股收益（稀释后） | $-0.06 | — |
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FORAPBHC
| Q4 25 | $8.0M | $11.8M | ||
| Q3 25 | $7.8M | $13.1M | ||
| Q2 25 | $7.5M | $9.3M | ||
| Q1 25 | $7.1M | $12.6M | ||
| Q4 24 | $5.8M | $15.3M | ||
| Q3 24 | $4.7M | $13.4M | ||
| Q2 24 | $4.8M | $10.7M | ||
| Q1 24 | $4.9M | $11.1M |
净利润FORAPBHC
| Q4 25 | $-1.8M | $-5.6M | ||
| Q3 25 | $-151.2K | $626.0K | ||
| Q2 25 | $224.8K | $31.0K | ||
| Q1 25 | $-1.1M | $3.0M | ||
| Q4 24 | $199.7K | $3.9M | ||
| Q3 24 | $-204.9K | $-4.6M | ||
| Q2 24 | $-2.6M | $2.0M | ||
| Q1 24 | $-1.2M | $2.1M |
毛利率FORAPBHC
| Q4 25 | 49.2% | — | ||
| Q3 25 | 51.6% | — | ||
| Q2 25 | 56.8% | — | ||
| Q1 25 | 55.6% | — | ||
| Q4 24 | 58.3% | — | ||
| Q3 24 | 70.1% | — | ||
| Q2 24 | 62.2% | — | ||
| Q1 24 | 65.1% | — |
营业利润率FORAPBHC
| Q4 25 | -24.4% | -81.1% | ||
| Q3 25 | -6.1% | 5.1% | ||
| Q2 25 | 0.6% | 0.4% | ||
| Q1 25 | -19.8% | 29.5% | ||
| Q4 24 | -24.9% | 55.4% | ||
| Q3 24 | -17.0% | -43.1% | ||
| Q2 24 | -62.2% | 23.3% | ||
| Q1 24 | -36.3% | 24.3% |
净利率FORAPBHC
| Q4 25 | -22.9% | -52.9% | ||
| Q3 25 | -1.9% | 4.8% | ||
| Q2 25 | 3.0% | 0.3% | ||
| Q1 25 | -16.0% | 23.6% | ||
| Q4 24 | 3.4% | 37.7% | ||
| Q3 24 | -4.4% | -34.6% | ||
| Q2 24 | -53.4% | 18.7% | ||
| Q1 24 | -24.9% | 19.0% |
每股收益（稀释后）FORAPBHC
| Q4 25 | $-0.06 | — | ||
| Q3 25 | $0.00 | $0.47 | ||
| Q2 25 | $0.01 | $0.47 | ||
| Q1 25 | $-0.04 | — | ||
| Q4 24 | $0.01 | — | ||
| Q3 24 | $-0.01 | $0.41 | ||
| Q2 24 | $-0.08 | $0.41 | ||
| Q1 24 | $-0.04 | — |
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 | $31.6M | — |
| 总债务越低越好 | — | $14.1M |
| 股东权益账面价值 | $29.8M | $122.5M |
| 总资产 | $44.1M | $1.4B |
| 负债/权益比越低杠杆越低 | — | 0.11× |
8季度趋势，按日历期对齐
现金及短期投资FORAPBHC
| Q4 25 | $31.6M | — | ||
| Q3 25 | $28.2M | — | ||
| Q2 25 | $35.6M | — | ||
| Q1 25 | $35.7M | — | ||
| Q4 24 | $35.1M | — | ||
| Q3 24 | $49.4M | — | ||
| Q2 24 | $48.0M | — | ||
| Q1 24 | $47.4M | — |
总债务FORAPBHC
| Q4 25 | — | $14.1M | ||
| Q3 25 | — | $18.7M | ||
| Q2 25 | — | $21.0M | ||
| Q1 25 | — | $17.6M | ||
| Q4 24 | — | $27.1M | ||
| Q3 24 | — | $39.8M | ||
| Q2 24 | — | $45.9M | ||
| Q1 24 | — | $45.9M |
股东权益FORAPBHC
| Q4 25 | $29.8M | $122.5M | ||
| Q3 25 | $31.1M | $126.3M | ||
| Q2 25 | $30.9M | $124.4M | ||
| Q1 25 | $30.0M | $124.9M | ||
| Q4 24 | $30.1M | $121.5M | ||
| Q3 24 | $28.4M | $120.2M | ||
| Q2 24 | $27.2M | $123.3M | ||
| Q1 24 | $28.1M | $121.8M |
总资产FORAPBHC
| Q4 25 | $44.1M | $1.4B | ||
| Q3 25 | $41.3M | $1.5B | ||
| Q2 25 | $48.5M | $1.5B | ||
| Q1 25 | $48.6M | $1.5B | ||
| Q4 24 | $47.2M | $1.5B | ||
| Q3 24 | $57.5M | $1.5B | ||
| Q2 24 | $58.4M | $1.4B | ||
| Q1 24 | $57.5M | $1.5B |
负债/权益比FORAPBHC
| Q4 25 | — | 0.11× | ||
| Q3 25 | — | 0.15× | ||
| Q2 25 | — | 0.17× | ||
| Q1 25 | — | 0.14× | ||
| Q4 24 | — | 0.22× | ||
| Q3 24 | — | 0.33× | ||
| Q2 24 | — | 0.37× | ||
| Q1 24 | — | 0.38× |
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 | $3.2M | $11.7M |
| 自由现金流经营现金流 - 资本支出 | — | $10.4M |
| 自由现金流率自由现金流/营收 | — | 88.1% |
| 资本支出强度资本支出/营收 | — | 10.7% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $18.4M |
8季度趋势，按日历期对齐
经营现金流FORAPBHC
| Q4 25 | $3.2M | $11.7M | ||
| Q3 25 | $-439.7K | $7.0M | ||
| Q2 25 | $-344.5K | $-3.7M | ||
| Q1 25 | $448.2K | $5.7M | ||
| Q4 24 | $1.7M | $11.2M | ||
| Q3 24 | $764.1K | $11.8M | ||
| Q2 24 | $-23.1K | $1.5M | ||
| Q1 24 | $-2.2M | $504.0K |
自由现金流FORAPBHC
| Q4 25 | — | $10.4M | ||
| Q3 25 | — | $6.9M | ||
| Q2 25 | — | $-4.0M | ||
| Q1 25 | — | $5.1M | ||
| Q4 24 | — | $9.1M | ||
| Q3 24 | — | $11.3M | ||
| Q2 24 | — | $637.0K | ||
| Q1 24 | — | $274.0K |
自由现金流率FORAPBHC
| Q4 25 | — | 88.1% | ||
| Q3 25 | — | 52.8% | ||
| Q2 25 | — | -42.6% | ||
| Q1 25 | — | 40.1% | ||
| Q4 24 | — | 59.9% | ||
| Q3 24 | — | 84.3% | ||
| Q2 24 | — | 6.0% | ||
| Q1 24 | — | 2.5% |
资本支出强度FORAPBHC
| Q4 25 | — | 10.7% | ||
| Q3 25 | — | 1.0% | ||
| Q2 25 | — | 2.4% | ||
| Q1 25 | — | 5.1% | ||
| Q4 24 | 0.0% | 13.5% | ||
| Q3 24 | 0.0% | 3.8% | ||
| Q2 24 | 0.0% | 8.2% | ||
| Q1 24 | 0.0% | 2.1% |
现金转化率FORAPBHC
| Q4 25 | — | — | ||
| Q3 25 | — | 11.26× | ||
| Q2 25 | -1.53× | -120.55× | ||
| Q1 25 | — | 1.92× | ||
| Q4 24 | 8.76× | 2.87× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 0.76× | ||
| Q1 24 | — | 0.24× |
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
FORA
| Financial Services Revenues | $7.3M | 92% |
| Other | $669.0K | 8% |
PBHC
| Other | $5.6M | 47% |
| Banking | $3.7M | 31% |
| Deposit Account | $1.5M | 13% |
| Financial Service Other | $1.0M | 9% |
