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合众银行（FSBC）与INTEST CORP（INTT）财务数据对比。点击上方公司名可切换其他公司
合众银行的季度营收约是INTEST CORP的1.4倍（$45.1M vs $32.8M），合众银行净利率更高（41.3% vs 3.8%，领先37.5%），过去两年合众银行的营收复合增速更高（21.3% vs 4.9%）
合众银行是总部设在美国明尼阿波利斯、在特拉华州注册的美国跨国银行机构，截至2025年为美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的银行。它旗下核心运营实体为美国银行全国协会，以US Bank品牌开展业务，提供银行、投资、抵押等金融服务。
INTEST CORP是面向全球半导体产业的专业测试设备供应商，主营研发、生产及销售热管理系统、测试接口硬件、晶圆处理工具等产品，客户覆盖晶圆制造厂、芯片设计企业及汽车、工业电子等下游领域。
FSBC vs INTT — 直观对比
营收规模更大
FSBC
是对方的1.4倍
$32.8M
净利率更高
FSBC
高出37.5%
3.8%
两年增速更快
FSBC
近两年复合增速
4.9%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $45.1M | $32.8M |
| 净利润 | $18.6M | $1.2M |
| 毛利率 | — | 45.4% |
| 营业利润率 | — | 3.9% |
| 净利率 | 41.3% | 3.8% |
| 营收同比 | — | -10.3% |
| 净利润同比 | 42.0% | -17.4% |
| 每股收益（稀释后） | $0.87 | $0.10 |
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FSBCINTT
| Q1 26 | $45.1M | — | ||
| Q4 25 | $43.5M | $32.8M | ||
| Q3 25 | $41.3M | $26.2M | ||
| Q2 25 | $38.3M | $28.1M | ||
| Q1 25 | $35.3M | $26.6M | ||
| Q4 24 | $35.2M | $36.6M | ||
| Q3 24 | $31.8M | $30.3M | ||
| Q2 24 | $30.7M | $34.0M |
净利润FSBCINTT
| Q1 26 | $18.6M | — | ||
| Q4 25 | $17.6M | $1.2M | ||
| Q3 25 | $16.3M | $-938.0K | ||
| Q2 25 | $14.5M | $-503.0K | ||
| Q1 25 | $13.1M | $-2.3M | ||
| Q4 24 | $13.3M | $1.5M | ||
| Q3 24 | $10.9M | $495.0K | ||
| Q2 24 | $10.8M | $230.0K |
毛利率FSBCINTT
| Q1 26 | — | — | ||
| Q4 25 | — | 45.4% | ||
| Q3 25 | — | 41.9% | ||
| Q2 25 | — | 42.6% | ||
| Q1 25 | — | 41.5% | ||
| Q4 24 | — | 39.7% | ||
| Q3 24 | — | 46.3% | ||
| Q2 24 | — | 40.6% |
营业利润率FSBCINTT
| Q1 26 | — | — | ||
| Q4 25 | 52.9% | 3.9% | ||
| Q3 25 | 53.8% | -4.5% | ||
| Q2 25 | 52.4% | -3.3% | ||
| Q1 25 | 52.0% | -10.8% | ||
| Q4 24 | 55.1% | 5.7% | ||
| Q3 24 | 48.0% | 1.6% | ||
| Q2 24 | 49.4% | 1.0% |
净利率FSBCINTT
| Q1 26 | 41.3% | — | ||
| Q4 25 | 40.6% | 3.8% | ||
| Q3 25 | 39.6% | -3.6% | ||
| Q2 25 | 37.9% | -1.8% | ||
| Q1 25 | 37.1% | -8.7% | ||
| Q4 24 | 37.9% | 4.1% | ||
| Q3 24 | 34.4% | 1.6% | ||
| Q2 24 | 35.2% | 0.7% |
每股收益（稀释后）FSBCINTT
| Q1 26 | $0.87 | — | ||
| Q4 25 | $0.83 | $0.10 | ||
| Q3 25 | $0.77 | $-0.08 | ||
| Q2 25 | $0.68 | $-0.04 | ||
| Q1 25 | $0.62 | $-0.19 | ||
| Q4 24 | $0.61 | $0.13 | ||
| Q3 24 | $0.52 | $0.04 | ||
| Q2 24 | $0.51 | $0.02 |
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 | $644.4M | $14.2M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $458.5M | $103.6M |
| 总资产 | $5.0B | $151.3M |
| 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FSBCINTT
| Q1 26 | $644.4M | — | ||
| Q4 25 | — | $14.2M | ||
| Q3 25 | — | $16.2M | ||
| Q2 25 | — | $19.2M | ||
| Q1 25 | — | $22.0M | ||
| Q4 24 | — | $19.8M | ||
| Q3 24 | — | $18.0M | ||
| Q2 24 | — | $20.4M |
总债务FSBCINTT
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $4.9M | ||
| Q2 25 | — | $5.9M | ||
| Q1 25 | — | $6.9M | ||
| Q4 24 | — | $7.9M | ||
| Q3 24 | — | $9.0M | ||
| Q2 24 | — | $10.0M |
股东权益FSBCINTT
| Q1 26 | $458.5M | — | ||
| Q4 25 | $445.8M | $103.6M | ||
| Q3 25 | $431.3M | $101.9M | ||
| Q2 25 | $416.7M | $102.6M | ||
| Q1 25 | $406.5M | $99.4M | ||
| Q4 24 | $396.6M | $99.8M | ||
| Q3 24 | $389.9M | $100.4M | ||
| Q2 24 | $380.5M | $99.5M |
总资产FSBCINTT
| Q1 26 | $5.0B | — | ||
| Q4 25 | $4.8B | $151.3M | ||
| Q3 25 | $4.6B | $148.3M | ||
| Q2 25 | $4.4B | $149.7M | ||
| Q1 25 | $4.2B | $148.0M | ||
| Q4 24 | $4.1B | $152.3M | ||
| Q3 24 | $3.9B | $158.4M | ||
| Q2 24 | $3.6B | $160.6M |
负债/权益比FSBCINTT
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 0.05× | ||
| Q2 25 | — | 0.06× | ||
| Q1 25 | — | 0.07× | ||
| Q4 24 | — | 0.08× | ||
| Q3 24 | — | 0.09× | ||
| Q2 24 | — | 0.10× |
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 | — | $-1.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-1.6M |
| 自由现金流率自由现金流/营收 | — | -4.7% |
| 资本支出强度资本支出/营收 | — | 1.6% |
| 现金转化率经营现金流/净利润 | — | -0.82× |
| 过去12个月自由现金流最近4个季度 | — | $5.7M |
8季度趋势，按日历期对齐
经营现金流FSBCINTT
| Q1 26 | — | — | ||
| Q4 25 | $72.6M | $-1.0M | ||
| Q3 25 | $18.8M | $3.5M | ||
| Q2 25 | $17.8M | $-688.0K | ||
| Q1 25 | $15.5M | $5.5M | ||
| Q4 24 | $51.8M | $2.6M | ||
| Q3 24 | $17.5M | $4.2M | ||
| Q2 24 | $16.0M | $-5.1M |
自由现金流FSBCINTT
| Q1 26 | — | — | ||
| Q4 25 | $71.4M | $-1.6M | ||
| Q3 25 | $18.6M | $3.1M | ||
| Q2 25 | $17.5M | $-1.1M | ||
| Q1 25 | $15.4M | $5.3M | ||
| Q4 24 | $51.2M | $2.4M | ||
| Q3 24 | $17.3M | $3.7M | ||
| Q2 24 | $15.8M | $-5.4M |
自由现金流率FSBCINTT
| Q1 26 | — | — | ||
| Q4 25 | 164.3% | -4.7% | ||
| Q3 25 | 45.0% | 11.8% | ||
| Q2 25 | 45.8% | -4.1% | ||
| Q1 25 | 43.5% | 19.9% | ||
| Q4 24 | 145.5% | 6.6% | ||
| Q3 24 | 54.5% | 12.4% | ||
| Q2 24 | 51.6% | -15.9% |
资本支出强度FSBCINTT
| Q1 26 | — | — | ||
| Q4 25 | 2.8% | 1.6% | ||
| Q3 25 | 0.5% | 1.6% | ||
| Q2 25 | 0.6% | 1.6% | ||
| Q1 25 | 0.3% | 0.9% | ||
| Q4 24 | 1.8% | 0.4% | ||
| Q3 24 | 0.7% | 1.7% | ||
| Q2 24 | 0.7% | 0.9% |
现金转化率FSBCINTT
| Q1 26 | — | — | ||
| Q4 25 | 4.12× | -0.82× | ||
| Q3 25 | 1.15× | — | ||
| Q2 25 | 1.23× | — | ||
| Q1 25 | 1.18× | — | ||
| Q4 24 | 3.89× | 1.72× | ||
| Q3 24 | 1.60× | 8.58× | ||
| Q2 24 | 1.49× | -22.13× |
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
FSBC
| Net Interest Income | $43.5M | 96% |
| Noninterest Income | $1.6M | 4% |
INTT
| Environmental Technologies | $8.3M | 25% |
| Semiconductor Market | $6.9M | 21% |
| Thermal Testing Products | $6.4M | 19% |
| Service And Other Products | $4.8M | 15% |
| Oem Integrators And Distributor | $3.5M | 11% |
| Semiconductor Production Test Products | $3.0M | 9% |
