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合众银行（FSBC）与IonQ, Inc.（IONQ）财务数据对比。点击上方公司名可切换其他公司
IonQ, Inc.的季度营收约是合众银行的1.4倍（$61.9M vs $45.1M），IonQ, Inc.净利率更高（1217.8% vs 41.3%，领先1176.5%）
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。
IonQ是总部位于美国马里兰州科利奇帕克的量子计算软硬件企业，专注研发通用型离子阱量子计算机及配套软件，可实现量子线路的生成、优化与执行，为多领域量子计算落地应用提供核心技术支持。
FSBC vs IONQ — 直观对比
营收规模更大
IONQ
是对方的1.4倍
$45.1M
净利率更高
IONQ
高出1176.5%
41.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $45.1M | $61.9M |
| 净利润 | $18.6M | $753.7M |
| 毛利率 | — | — |
| 营业利润率 | — | -369.4% |
| 净利率 | 41.3% | 1217.8% |
| 营收同比 | — | 428.5% |
| 净利润同比 | 42.0% | 473.1% |
| 每股收益（稀释后） | $0.87 | $2.60 |
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FSBCIONQ
| Q1 26 | $45.1M | — | ||
| Q4 25 | $43.5M | $61.9M | ||
| Q3 25 | $41.3M | $39.9M | ||
| Q2 25 | $38.3M | $20.7M | ||
| Q1 25 | $35.3M | — | ||
| Q4 24 | $35.2M | $11.7M | ||
| Q3 24 | $31.8M | $12.4M | ||
| Q2 24 | $30.7M | $11.4M |
净利润FSBCIONQ
| Q1 26 | $18.6M | — | ||
| Q4 25 | $17.6M | $753.7M | ||
| Q3 25 | $16.3M | $-1.1B | ||
| Q2 25 | $14.5M | $-176.8M | ||
| Q1 25 | $13.1M | — | ||
| Q4 24 | $13.3M | $-202.0M | ||
| Q3 24 | $10.9M | $-52.5M | ||
| Q2 24 | $10.8M | $-37.6M |
营业利润率FSBCIONQ
| Q1 26 | — | — | ||
| Q4 25 | 52.9% | -369.4% | ||
| Q3 25 | 53.8% | -423.5% | ||
| Q2 25 | 52.4% | -776.0% | ||
| Q1 25 | 52.0% | — | ||
| Q4 24 | 55.1% | -661.9% | ||
| Q3 24 | 48.0% | -428.5% | ||
| Q2 24 | 49.4% | -430.0% |
净利率FSBCIONQ
| Q1 26 | 41.3% | — | ||
| Q4 25 | 40.6% | 1217.8% | ||
| Q3 25 | 39.6% | -2646.3% | ||
| Q2 25 | 37.9% | -854.5% | ||
| Q1 25 | 37.1% | — | ||
| Q4 24 | 37.9% | -1725.0% | ||
| Q3 24 | 34.4% | -423.4% | ||
| Q2 24 | 35.2% | -330.0% |
每股收益（稀释后）FSBCIONQ
| Q1 26 | $0.87 | — | ||
| Q4 25 | $0.83 | $2.60 | ||
| Q3 25 | $0.77 | $-3.58 | ||
| Q2 25 | $0.68 | $-0.70 | ||
| Q1 25 | $0.62 | — | ||
| Q4 24 | $0.61 | $-0.95 | ||
| Q3 24 | $0.52 | $-0.24 | ||
| Q2 24 | $0.51 | $-0.18 |
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 | $2.4B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $458.5M | $3.8B |
| 总资产 | $5.0B | $6.6B |
| 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FSBCIONQ
| Q1 26 | $644.4M | — | ||
| Q4 25 | — | $2.4B | ||
| Q3 25 | — | $1.1B | ||
| Q2 25 | — | $546.9M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $340.3M | ||
| Q3 24 | — | $365.7M | ||
| Q2 24 | — | $369.8M |
股东权益FSBCIONQ
| Q1 26 | $458.5M | — | ||
| Q4 25 | $445.8M | $3.8B | ||
| Q3 25 | $431.3M | $2.3B | ||
| Q2 25 | $416.7M | $1.2B | ||
| Q1 25 | $406.5M | — | ||
| Q4 24 | $396.6M | $383.9M | ||
| Q3 24 | $389.9M | $435.7M | ||
| Q2 24 | $380.5M | $463.3M |
总资产FSBCIONQ
| Q1 26 | $5.0B | — | ||
| Q4 25 | $4.8B | $6.6B | ||
| Q3 25 | $4.6B | $4.3B | ||
| Q2 25 | $4.4B | $1.3B | ||
| Q1 25 | $4.2B | — | ||
| Q4 24 | $4.1B | $508.4M | ||
| Q3 24 | $3.9B | $497.9M | ||
| Q2 24 | $3.6B | $517.4M |
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 | — | $-74.5M |
| 自由现金流经营现金流 - 资本支出 | — | $-83.3M |
| 自由现金流率自由现金流/营收 | — | -134.6% |
| 资本支出强度资本支出/营收 | — | 14.2% |
| 现金转化率经营现金流/净利润 | — | -0.10× |
| 过去12个月自由现金流最近4个季度 | — | $-307.3M |
8季度趋势，按日历期对齐
经营现金流FSBCIONQ
| Q1 26 | — | — | ||
| Q4 25 | $72.6M | $-74.5M | ||
| Q3 25 | $18.8M | $-123.1M | ||
| Q2 25 | $17.8M | $-52.6M | ||
| Q1 25 | $15.5M | — | ||
| Q4 24 | $51.8M | $-39.4M | ||
| Q3 24 | $17.5M | $-19.2M | ||
| Q2 24 | $16.0M | $-26.6M |
自由现金流FSBCIONQ
| Q1 26 | — | — | ||
| Q4 25 | $71.4M | $-83.3M | ||
| Q3 25 | $18.6M | $-127.2M | ||
| Q2 25 | $17.5M | $-53.8M | ||
| Q1 25 | $15.4M | — | ||
| Q4 24 | $51.2M | $-43.0M | ||
| Q3 24 | $17.3M | $-23.0M | ||
| Q2 24 | $15.8M | $-34.1M |
自由现金流率FSBCIONQ
| Q1 26 | — | — | ||
| Q4 25 | 164.3% | -134.6% | ||
| Q3 25 | 45.0% | -319.1% | ||
| Q2 25 | 45.8% | -259.8% | ||
| Q1 25 | 43.5% | — | ||
| Q4 24 | 145.5% | -367.4% | ||
| Q3 24 | 54.5% | -185.3% | ||
| Q2 24 | 51.6% | -299.3% |
资本支出强度FSBCIONQ
| Q1 26 | — | — | ||
| Q4 25 | 2.8% | 14.2% | ||
| Q3 25 | 0.5% | 10.4% | ||
| Q2 25 | 0.6% | 5.8% | ||
| Q1 25 | 0.3% | — | ||
| Q4 24 | 1.8% | 30.7% | ||
| Q3 24 | 0.7% | 30.4% | ||
| Q2 24 | 0.7% | 65.8% |
现金转化率FSBCIONQ
| Q1 26 | — | — | ||
| Q4 25 | 4.12× | -0.10× | ||
| Q3 25 | 1.15× | — | ||
| Q2 25 | 1.23× | — | ||
| Q1 25 | 1.18× | — | ||
| Q4 24 | 3.89× | — | ||
| Q3 24 | 1.60× | — | ||
| Q2 24 | 1.49× | — |
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% |
IONQ
| Other | $31.2M | 50% |
| Platform Consulting And Support Services | $30.7M | 50% |
