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合众银行（FSBC）与OneSpan Inc.（OSPN）财务数据对比。点击上方公司名可切换其他公司
OneSpan Inc.的季度营收约是合众银行的1.5倍（$65.9M vs $45.1M），合众银行净利率更高（41.3% vs 17.5%，领先23.8%），过去两年合众银行的营收复合增速更高（21.3% vs 4.0%）
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。
OneSpan Inc.是一家总部位于美国马萨诸塞州波士顿的信息安全企业，核心业务涵盖网络欺诈防御平台搭建、多因素身份验证工具提供以及电子签名软件开发，为各类机构提供专业的数字安全与身份合规管理解决方案。
FSBC vs OSPN — 直观对比
营收规模更大
OSPN
是对方的1.5倍
$45.1M
净利率更高
FSBC
高出23.8%
17.5%
两年增速更快
FSBC
近两年复合增速
4.0%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $45.1M | $65.9M |
| 净利润 | $18.6M | $11.6M |
| 毛利率 | — | 73.6% |
| 营业利润率 | — | 22.5% |
| 净利率 | 41.3% | 17.5% |
| 营收同比 | — | 4.1% |
| 净利润同比 | 42.0% | — |
| 每股收益（稀释后） | $0.87 | $0.39 |
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FSBCOSPN
| Q1 26 | $45.1M | $65.9M | ||
| Q4 25 | $43.5M | $62.9M | ||
| Q3 25 | $41.3M | $57.1M | ||
| Q2 25 | $38.3M | $59.8M | ||
| Q1 25 | $35.3M | $63.4M | ||
| Q4 24 | $35.2M | $61.2M | ||
| Q3 24 | $31.8M | $56.2M | ||
| Q2 24 | $30.7M | $60.9M |
净利润FSBCOSPN
| Q1 26 | $18.6M | $11.6M | ||
| Q4 25 | $17.6M | $43.5M | ||
| Q3 25 | $16.3M | $6.5M | ||
| Q2 25 | $14.5M | $8.3M | ||
| Q1 25 | $13.1M | $14.5M | ||
| Q4 24 | $13.3M | $28.8M | ||
| Q3 24 | $10.9M | $8.3M | ||
| Q2 24 | $10.8M | $6.6M |
毛利率FSBCOSPN
| Q1 26 | — | 73.6% | ||
| Q4 25 | — | 73.6% | ||
| Q3 25 | — | 73.6% | ||
| Q2 25 | — | 73.5% | ||
| Q1 25 | — | 74.3% | ||
| Q4 24 | — | 74.0% | ||
| Q3 24 | — | 73.9% | ||
| Q2 24 | — | 66.2% |
营业利润率FSBCOSPN
| Q1 26 | — | 22.5% | ||
| Q4 25 | 52.9% | 19.9% | ||
| Q3 25 | 53.8% | 14.4% | ||
| Q2 25 | 52.4% | 17.6% | ||
| Q1 25 | 52.0% | 27.1% | ||
| Q4 24 | 55.1% | 19.3% | ||
| Q3 24 | 48.0% | 20.0% | ||
| Q2 24 | 49.4% | 12.5% |
净利率FSBCOSPN
| Q1 26 | 41.3% | 17.5% | ||
| Q4 25 | 40.6% | 69.2% | ||
| Q3 25 | 39.6% | 11.4% | ||
| Q2 25 | 37.9% | 13.9% | ||
| Q1 25 | 37.1% | 22.9% | ||
| Q4 24 | 37.9% | 47.1% | ||
| Q3 24 | 34.4% | 14.7% | ||
| Q2 24 | 35.2% | 10.8% |
每股收益（稀释后）FSBCOSPN
| Q1 26 | $0.87 | $0.39 | ||
| Q4 25 | $0.83 | $1.13 | ||
| Q3 25 | $0.77 | $0.17 | ||
| Q2 25 | $0.68 | $0.21 | ||
| Q1 25 | $0.62 | $0.37 | ||
| Q4 24 | $0.61 | $0.73 | ||
| Q3 24 | $0.52 | $0.21 | ||
| Q2 24 | $0.51 | $0.17 |
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 | $49.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $458.5M | $272.0M |
| 总资产 | $5.0B | $383.1M |
| 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FSBCOSPN
| Q1 26 | $644.4M | $49.8M | ||
| Q4 25 | — | $70.5M | ||
| Q3 25 | — | $85.6M | ||
| Q2 25 | — | $92.9M | ||
| Q1 25 | — | $105.2M | ||
| Q4 24 | — | $83.2M | ||
| Q3 24 | — | $77.5M | ||
| Q2 24 | — | $63.8M |
股东权益FSBCOSPN
| Q1 26 | $458.5M | $272.0M | ||
| Q4 25 | $445.8M | $271.8M | ||
| Q3 25 | $431.3M | $238.3M | ||
| Q2 25 | $416.7M | $242.5M | ||
| Q1 25 | $406.5M | $231.1M | ||
| Q4 24 | $396.6M | $212.5M | ||
| Q3 24 | $389.9M | $194.6M | ||
| Q2 24 | $380.5M | $178.6M |
总资产FSBCOSPN
| Q1 26 | $5.0B | $383.1M | ||
| Q4 25 | $4.8B | $397.7M | ||
| Q3 25 | $4.6B | $343.5M | ||
| Q2 25 | $4.4B | $357.1M | ||
| Q1 25 | $4.2B | $333.8M | ||
| Q4 24 | $4.1B | $338.7M | ||
| Q3 24 | $3.9B | $289.3M | ||
| Q2 24 | $3.6B | $286.9M |
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 | — | $28.2M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | 2.44× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流FSBCOSPN
| Q1 26 | — | $28.2M | ||
| Q4 25 | $72.6M | $12.6M | ||
| Q3 25 | $18.8M | $11.3M | ||
| Q2 25 | $17.8M | $6.2M | ||
| Q1 25 | $15.5M | $29.4M | ||
| Q4 24 | $51.8M | $12.4M | ||
| Q3 24 | $17.5M | $14.0M | ||
| Q2 24 | $16.0M | $2.3M |
自由现金流FSBCOSPN
| Q1 26 | — | — | ||
| Q4 25 | $71.4M | $9.6M | ||
| Q3 25 | $18.6M | $8.8M | ||
| Q2 25 | $17.5M | $4.4M | ||
| Q1 25 | $15.4M | $27.7M | ||
| Q4 24 | $51.2M | $10.5M | ||
| Q3 24 | $17.3M | $12.0M | ||
| Q2 24 | $15.8M | $26.0K |
自由现金流率FSBCOSPN
| Q1 26 | — | — | ||
| Q4 25 | 164.3% | 15.3% | ||
| Q3 25 | 45.0% | 15.4% | ||
| Q2 25 | 45.8% | 7.3% | ||
| Q1 25 | 43.5% | 43.8% | ||
| Q4 24 | 145.5% | 17.1% | ||
| Q3 24 | 54.5% | 21.4% | ||
| Q2 24 | 51.6% | 0.0% |
资本支出强度FSBCOSPN
| Q1 26 | — | — | ||
| Q4 25 | 2.8% | 4.7% | ||
| Q3 25 | 0.5% | 4.4% | ||
| Q2 25 | 0.6% | 3.1% | ||
| Q1 25 | 0.3% | 2.6% | ||
| Q4 24 | 1.8% | 3.2% | ||
| Q3 24 | 0.7% | 3.5% | ||
| Q2 24 | 0.7% | 3.7% |
现金转化率FSBCOSPN
| Q1 26 | — | 2.44× | ||
| Q4 25 | 4.12× | 0.29× | ||
| Q3 25 | 1.15× | 1.74× | ||
| Q2 25 | 1.23× | 0.75× | ||
| Q1 25 | 1.18× | 2.02× | ||
| Q4 24 | 3.89× | 0.43× | ||
| Q3 24 | 1.60× | 1.69× | ||
| Q2 24 | 1.49× | 0.35× |
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% |
OSPN
| Product and license | $35.5M | 54% |
| Services and other | $30.4M | 46% |
