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合众银行（FSBC）与帕可Bio（PACB）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帕可Bio的1.0倍（$45.1M vs $44.6M），合众银行净利率更高（41.3% vs -90.4%，领先131.7%），过去两年合众银行的营收复合增速更高（21.3% vs 7.3%）
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。
太平洋生物科学（加利福尼亚）公司是2004年成立的美国生物技术企业，专注于研发生产基因测序相关设备，还可实现新型实时生物观测。公司拥有两大核心测序平台：基于零模波导特性的单分子实时测序平台（SMRT），以及采用天然核苷酸、无损伤掺入完成DNA结合与延伸的结合测序技术（SBB）平台。
FSBC vs PACB — 直观对比
营收规模更大
FSBC
是对方的1.0倍
$44.6M
净利率更高
FSBC
高出131.7%
-90.4%
两年增速更快
FSBC
近两年复合增速
7.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $45.1M | $44.6M |
| 净利润 | $18.6M | $-40.4M |
| 毛利率 | — | 37.1% |
| 营业利润率 | — | -92.3% |
| 净利率 | 41.3% | -90.4% |
| 营收同比 | — | 13.8% |
| 净利润同比 | 42.0% | -1802.7% |
| 每股收益（稀释后） | $0.87 | $-0.11 |
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FSBCPACB
| Q1 26 | $45.1M | — | ||
| Q4 25 | $43.5M | $44.6M | ||
| Q3 25 | $41.3M | $38.4M | ||
| Q2 25 | $38.3M | $39.8M | ||
| Q1 25 | $35.3M | $37.2M | ||
| Q4 24 | $35.2M | $39.2M | ||
| Q3 24 | $31.8M | $40.0M | ||
| Q2 24 | $30.7M | $36.0M |
净利润FSBCPACB
| Q1 26 | $18.6M | — | ||
| Q4 25 | $17.6M | $-40.4M | ||
| Q3 25 | $16.3M | $-38.0M | ||
| Q2 25 | $14.5M | $-41.9M | ||
| Q1 25 | $13.1M | $-426.1M | ||
| Q4 24 | $13.3M | $2.4M | ||
| Q3 24 | $10.9M | $-60.7M | ||
| Q2 24 | $10.8M | $-173.3M |
毛利率FSBCPACB
| Q1 26 | — | — | ||
| Q4 25 | — | 37.1% | ||
| Q3 25 | — | 41.4% | ||
| Q2 25 | — | 36.9% | ||
| Q1 25 | — | -3.7% | ||
| Q4 24 | — | 25.6% | ||
| Q3 24 | — | 25.0% | ||
| Q2 24 | — | 16.5% |
营业利润率FSBCPACB
| Q1 26 | — | — | ||
| Q4 25 | 52.9% | -92.3% | ||
| Q3 25 | 53.8% | -101.1% | ||
| Q2 25 | 52.4% | -112.8% | ||
| Q1 25 | 52.0% | -1154.5% | ||
| Q4 24 | 55.1% | -390.1% | ||
| Q3 24 | 48.0% | -160.3% | ||
| Q2 24 | 49.4% | -488.3% |
净利率FSBCPACB
| Q1 26 | 41.3% | — | ||
| Q4 25 | 40.6% | -90.4% | ||
| Q3 25 | 39.6% | -98.9% | ||
| Q2 25 | 37.9% | -105.4% | ||
| Q1 25 | 37.1% | -1146.8% | ||
| Q4 24 | 37.9% | 6.0% | ||
| Q3 24 | 34.4% | -151.9% | ||
| Q2 24 | 35.2% | -481.3% |
每股收益（稀释后）FSBCPACB
| Q1 26 | $0.87 | — | ||
| Q4 25 | $0.83 | $-0.11 | ||
| Q3 25 | $0.77 | $-0.13 | ||
| Q2 25 | $0.68 | $-0.14 | ||
| Q1 25 | $0.62 | $-1.44 | ||
| Q4 24 | $0.61 | $-0.44 | ||
| Q3 24 | $0.52 | $-0.22 | ||
| Q2 24 | $0.51 | $-0.64 |
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 | $279.5M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $458.5M | $5.3M |
| 总资产 | $5.0B | $784.1M |
| 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FSBCPACB
| Q1 26 | $644.4M | — | ||
| Q4 25 | — | $279.5M | ||
| Q3 25 | — | $298.7M | ||
| Q2 25 | — | $314.7M | ||
| Q1 25 | — | $343.1M | ||
| Q4 24 | — | $389.9M | ||
| Q3 24 | — | $471.1M | ||
| Q2 24 | — | $509.8M |
股东权益FSBCPACB
| Q1 26 | $458.5M | — | ||
| Q4 25 | $445.8M | $5.3M | ||
| Q3 25 | $431.3M | $36.1M | ||
| Q2 25 | $416.7M | $61.5M | ||
| Q1 25 | $406.5M | $91.6M | ||
| Q4 24 | $396.6M | $506.6M | ||
| Q3 24 | $389.9M | $453.1M | ||
| Q2 24 | $380.5M | $492.7M |
总资产FSBCPACB
| Q1 26 | $5.0B | — | ||
| Q4 25 | $4.8B | $784.1M | ||
| Q3 25 | $4.6B | $803.2M | ||
| Q2 25 | $4.4B | $825.5M | ||
| Q1 25 | $4.2B | $860.8M | ||
| Q4 24 | $4.1B | $1.3B | ||
| Q3 24 | $3.9B | $1.5B | ||
| Q2 24 | $3.6B | $1.5B |
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 | — | $-19.1M |
| 自由现金流经营现金流 - 资本支出 | — | $-19.9M |
| 自由现金流率自由现金流/营收 | — | -44.6% |
| 资本支出强度资本支出/营收 | — | 1.9% |
| 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 | — | $-114.1M |
8季度趋势，按日历期对齐
经营现金流FSBCPACB
| Q1 26 | — | — | ||
| Q4 25 | $72.6M | $-19.1M | ||
| Q3 25 | $18.8M | $-18.7M | ||
| Q2 25 | $17.8M | $-29.4M | ||
| Q1 25 | $15.5M | $-44.1M | ||
| Q4 24 | $51.8M | $-30.6M | ||
| Q3 24 | $17.5M | $-45.5M | ||
| Q2 24 | $16.0M | $-54.3M |
自由现金流FSBCPACB
| Q1 26 | — | — | ||
| Q4 25 | $71.4M | $-19.9M | ||
| Q3 25 | $18.6M | $-18.8M | ||
| Q2 25 | $17.5M | $-29.9M | ||
| Q1 25 | $15.4M | $-45.4M | ||
| Q4 24 | $51.2M | $-32.3M | ||
| Q3 24 | $17.3M | $-46.3M | ||
| Q2 24 | $15.8M | $-55.7M |
自由现金流率FSBCPACB
| Q1 26 | — | — | ||
| Q4 25 | 164.3% | -44.6% | ||
| Q3 25 | 45.0% | -48.9% | ||
| Q2 25 | 45.8% | -75.3% | ||
| Q1 25 | 43.5% | -122.3% | ||
| Q4 24 | 145.5% | -82.3% | ||
| Q3 24 | 54.5% | -115.7% | ||
| Q2 24 | 51.6% | -154.8% |
资本支出强度FSBCPACB
| Q1 26 | — | — | ||
| Q4 25 | 2.8% | 1.9% | ||
| Q3 25 | 0.5% | 0.2% | ||
| Q2 25 | 0.6% | 1.4% | ||
| Q1 25 | 0.3% | 3.7% | ||
| Q4 24 | 1.8% | 4.1% | ||
| Q3 24 | 0.7% | 2.0% | ||
| Q2 24 | 0.7% | 4.1% |
现金转化率FSBCPACB
| Q1 26 | — | — | ||
| Q4 25 | 4.12× | — | ||
| Q3 25 | 1.15× | — | ||
| Q2 25 | 1.23× | — | ||
| Q1 25 | 1.18× | — | ||
| Q4 24 | 3.89× | -12.93× | ||
| 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% |
PACB
| Products | $39.0M | 87% |
| Service And Other | $5.7M | 13% |
