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合众银行（FSBC）与iQSTEL Inc（IQST）财务数据对比。点击上方公司名可切换其他公司
iQSTEL Inc的季度营收约是合众银行的1.9倍（$84.2M vs $45.1M），合众银行净利率更高（41.3% vs -3.2%，领先44.5%），过去两年iQSTEL Inc的营收复合增速更高（28.0% vs 21.3%）
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。
iQSTEL Inc是一家科技控股企业，业务覆盖电信、物联网与金融科技三大核心领域，面向南北美洲市场的中小企业及零售用户提供高性价比的通信服务、智能物联网监测解决方案及数字化金融工具。
FSBC vs IQST — 直观对比
营收规模更大
IQST
是对方的1.9倍
$45.1M
净利率更高
FSBC
高出44.5%
-3.2%
两年增速更快
IQST
近两年复合增速
21.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $45.1M | $84.2M |
| 净利润 | $18.6M | $-2.7M |
| 毛利率 | — | 3.5% |
| 营业利润率 | — | -2.9% |
| 净利率 | 41.3% | -3.2% |
| 营收同比 | — | -14.9% |
| 净利润同比 | 42.0% | -44.5% |
| 每股收益（稀释后） | $0.87 | $-0.92 |
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FSBCIQST
| Q1 26 | $45.1M | — | ||
| Q4 25 | $43.5M | $84.2M | ||
| Q3 25 | $41.3M | $102.9M | ||
| Q2 25 | $38.3M | $72.2M | ||
| Q1 25 | $35.3M | $57.6M | ||
| Q4 24 | $35.2M | $98.9M | ||
| Q3 24 | $31.8M | $54.2M | ||
| Q2 24 | $30.7M | $78.6M |
净利润FSBCIQST
| Q1 26 | $18.6M | — | ||
| Q4 25 | $17.6M | $-2.7M | ||
| Q3 25 | $16.3M | $-2.3M | ||
| Q2 25 | $14.5M | $-2.3M | ||
| Q1 25 | $13.1M | $-1.1M | ||
| Q4 24 | $13.3M | $-1.9M | ||
| Q3 24 | $10.9M | $-773.0K | ||
| Q2 24 | $10.8M | $-2.0M |
毛利率FSBCIQST
| Q1 26 | — | — | ||
| Q4 25 | — | 3.5% | ||
| Q3 25 | — | 2.7% | ||
| Q2 25 | — | 2.6% | ||
| Q1 25 | — | 3.4% | ||
| Q4 24 | — | 2.7% | ||
| Q3 24 | — | 3.7% | ||
| Q2 24 | — | 2.8% |
营业利润率FSBCIQST
| Q1 26 | — | — | ||
| Q4 25 | 52.9% | -2.9% | ||
| Q3 25 | 53.8% | -0.5% | ||
| Q2 25 | 52.4% | -0.9% | ||
| Q1 25 | 52.0% | -1.0% | ||
| Q4 24 | 55.1% | -0.3% | ||
| Q3 24 | 48.0% | -0.1% | ||
| Q2 24 | 49.4% | -0.4% |
净利率FSBCIQST
| Q1 26 | 41.3% | — | ||
| Q4 25 | 40.6% | -3.2% | ||
| Q3 25 | 39.6% | -2.3% | ||
| Q2 25 | 37.9% | -3.3% | ||
| Q1 25 | 37.1% | -2.0% | ||
| Q4 24 | 37.9% | -1.9% | ||
| Q3 24 | 34.4% | -1.4% | ||
| Q2 24 | 35.2% | -2.5% |
每股收益（稀释后）FSBCIQST
| Q1 26 | $0.87 | — | ||
| Q4 25 | $0.83 | $-0.92 | ||
| Q3 25 | $0.77 | $-0.68 | ||
| Q2 25 | $0.68 | $-0.82 | ||
| Q1 25 | $0.62 | $-0.44 | ||
| Q4 24 | $0.61 | $-1.19 | ||
| Q3 24 | $0.52 | $-0.40 | ||
| Q2 24 | $0.51 | $-0.90 |
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 | $2.2M |
| 总债务越低越好 | — | $4.1M |
| 股东权益账面价值 | $458.5M | $16.3M |
| 总资产 | $5.0B | $51.1M |
| 负债/权益比越低杠杆越低 | — | 0.25× |
8季度趋势，按日历期对齐
现金及短期投资FSBCIQST
| Q1 26 | $644.4M | — | ||
| Q4 25 | — | $2.2M | ||
| Q3 25 | — | $2.3M | ||
| Q2 25 | — | $2.0M | ||
| Q1 25 | — | $1.1M | ||
| Q4 24 | — | $2.5M | ||
| Q3 24 | — | $2.1M | ||
| Q2 24 | — | $797.2K |
总债务FSBCIQST
| Q1 26 | — | — | ||
| Q4 25 | — | $4.1M | ||
| Q3 25 | — | $2.7M | ||
| Q2 25 | — | $4.5M | ||
| Q1 25 | — | $3.5M | ||
| Q4 24 | — | $2.5M | ||
| Q3 24 | — | $3.2M | ||
| Q2 24 | — | $2.5M |
股东权益FSBCIQST
| Q1 26 | $458.5M | — | ||
| Q4 25 | $445.8M | $16.3M | ||
| Q3 25 | $431.3M | $17.9M | ||
| Q2 25 | $416.7M | $14.3M | ||
| Q1 25 | $406.5M | $11.6M | ||
| Q4 24 | $396.6M | $11.9M | ||
| Q3 24 | $389.9M | $8.1M | ||
| Q2 24 | $380.5M | $7.6M |
总资产FSBCIQST
| Q1 26 | $5.0B | — | ||
| Q4 25 | $4.8B | $51.1M | ||
| Q3 25 | $4.6B | $46.9M | ||
| Q2 25 | $4.4B | $51.4M | ||
| Q1 25 | $4.2B | $42.0M | ||
| Q4 24 | $4.1B | $79.0M | ||
| Q3 24 | $3.9B | $32.4M | ||
| Q2 24 | $3.6B | $30.0M |
负债/权益比FSBCIQST
| Q1 26 | — | — | ||
| Q4 25 | — | 0.25× | ||
| Q3 25 | — | 0.15× | ||
| Q2 25 | — | 0.31× | ||
| Q1 25 | — | 0.31× | ||
| Q4 24 | — | 0.21× | ||
| Q3 24 | — | 0.40× | ||
| Q2 24 | — | 0.34× |
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 | — | $-1.2M |
| 自由现金流经营现金流 - 资本支出 | — | $-1.2M |
| 自由现金流率自由现金流/营收 | — | -1.5% |
| 资本支出强度资本支出/营收 | — | 0.0% |
| 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 | — | $-4.0M |
8季度趋势，按日历期对齐
经营现金流FSBCIQST
| Q1 26 | — | — | ||
| Q4 25 | $72.6M | $-1.2M | ||
| Q3 25 | $18.8M | $-953.0K | ||
| Q2 25 | $17.8M | $257.7K | ||
| Q1 25 | $15.5M | $-1.9M | ||
| Q4 24 | $51.8M | $-403.7K | ||
| Q3 24 | $17.5M | $625.0K | ||
| Q2 24 | $16.0M | $-2.6M |
自由现金流FSBCIQST
| Q1 26 | — | — | ||
| Q4 25 | $71.4M | $-1.2M | ||
| Q3 25 | $18.6M | $-969.2K | ||
| Q2 25 | $17.5M | $211.7K | ||
| Q1 25 | $15.4M | $-2.0M | ||
| Q4 24 | $51.2M | $-421.3K | ||
| Q3 24 | $17.3M | $594.5K | ||
| Q2 24 | $15.8M | $-2.6M |
自由现金流率FSBCIQST
| Q1 26 | — | — | ||
| Q4 25 | 164.3% | -1.5% | ||
| Q3 25 | 45.0% | -0.9% | ||
| Q2 25 | 45.8% | 0.3% | ||
| Q1 25 | 43.5% | -3.4% | ||
| Q4 24 | 145.5% | -0.4% | ||
| Q3 24 | 54.5% | 1.1% | ||
| Q2 24 | 51.6% | -3.4% |
资本支出强度FSBCIQST
| Q1 26 | — | — | ||
| Q4 25 | 2.8% | 0.0% | ||
| Q3 25 | 0.5% | 0.0% | ||
| Q2 25 | 0.6% | 0.1% | ||
| Q1 25 | 0.3% | 0.1% | ||
| Q4 24 | 1.8% | 0.0% | ||
| Q3 24 | 0.7% | 0.1% | ||
| Q2 24 | 0.7% | 0.0% |
现金转化率FSBCIQST
| Q1 26 | — | — | ||
| Q4 25 | 4.12× | — | ||
| 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% |
IQST
| USA | $53.2M | 63% |
| Other | $29.9M | 35% |
| Switzerland | $1.1M | 1% |
