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合众银行（FSBC）与PETMED EXPRESS INC（PETS）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PETMED EXPRESS INC的1.1倍（$45.1M vs $40.7M），合众银行净利率更高（41.3% vs -26.0%，领先67.2%），过去两年合众银行的营收复合增速更高（21.3% vs -20.9%）
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。
PetMed Express，也叫PetMeds，是总部位于美国的线上宠物药房。该企业公开上市，主营宠物处方及非处方药物销售业务，是北美知名的宠物医药线上零售平台。
FSBC vs PETS — 直观对比
营收规模更大
FSBC
是对方的1.1倍
$40.7M
净利率更高
FSBC
高出67.2%
-26.0%
两年增速更快
FSBC
近两年复合增速
-20.9%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $45.1M | $40.7M |
| 净利润 | $18.6M | $-10.6M |
| 毛利率 | — | 23.3% |
| 营业利润率 | — | -25.7% |
| 净利率 | 41.3% | -26.0% |
| 营收同比 | — | -23.3% |
| 净利润同比 | 42.0% | -1392.6% |
| 每股收益（稀释后） | $0.87 | $-0.50 |
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FSBCPETS
| Q1 26 | $45.1M | — | ||
| Q4 25 | $43.5M | $40.7M | ||
| Q3 25 | $41.3M | $44.4M | ||
| Q2 25 | $38.3M | $51.2M | ||
| Q1 25 | $35.3M | $50.8M | ||
| Q4 24 | $35.2M | $52.0M | ||
| Q3 24 | $31.8M | $58.0M | ||
| Q2 24 | $30.7M | $66.2M |
净利润FSBCPETS
| Q1 26 | $18.6M | — | ||
| Q4 25 | $17.6M | $-10.6M | ||
| Q3 25 | $16.3M | $-8.5M | ||
| Q2 25 | $14.5M | $-34.2M | ||
| Q1 25 | $13.1M | $-11.6M | ||
| Q4 24 | $13.3M | $-707.0K | ||
| Q3 24 | $10.9M | $2.3M | ||
| Q2 24 | $10.8M | $3.8M |
毛利率FSBCPETS
| Q1 26 | — | — | ||
| Q4 25 | — | 23.3% | ||
| Q3 25 | — | 28.0% | ||
| Q2 25 | — | 28.1% | ||
| Q1 25 | — | 29.9% | ||
| Q4 24 | — | 31.0% | ||
| Q3 24 | — | 32.3% | ||
| Q2 24 | — | 28.8% |
营业利润率FSBCPETS
| Q1 26 | — | — | ||
| Q4 25 | 52.9% | -25.7% | ||
| Q3 25 | 53.8% | -18.9% | ||
| Q2 25 | 52.4% | -66.7% | ||
| Q1 25 | 52.0% | -11.9% | ||
| Q4 24 | 55.1% | -0.9% | ||
| Q3 24 | 48.0% | 1.0% | ||
| Q2 24 | 49.4% | 6.6% |
净利率FSBCPETS
| Q1 26 | 41.3% | — | ||
| Q4 25 | 40.6% | -26.0% | ||
| Q3 25 | 39.6% | -19.2% | ||
| Q2 25 | 37.9% | -66.7% | ||
| Q1 25 | 37.1% | -22.9% | ||
| Q4 24 | 37.9% | -1.4% | ||
| Q3 24 | 34.4% | 4.0% | ||
| Q2 24 | 35.2% | 5.7% |
每股收益（稀释后）FSBCPETS
| Q1 26 | $0.87 | — | ||
| Q4 25 | $0.83 | $-0.50 | ||
| Q3 25 | $0.77 | $-0.41 | ||
| Q2 25 | $0.68 | $-1.65 | ||
| Q1 25 | $0.62 | $-0.56 | ||
| Q4 24 | $0.61 | $-0.03 | ||
| Q3 24 | $0.52 | $0.11 | ||
| 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 | $26.9M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $458.5M | $32.8M |
| 总资产 | $5.0B | $88.0M |
| 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FSBCPETS
| Q1 26 | $644.4M | — | ||
| Q4 25 | — | $26.9M | ||
| Q3 25 | — | $36.1M | ||
| Q2 25 | — | $41.1M | ||
| Q1 25 | — | $54.7M | ||
| Q4 24 | — | $50.1M | ||
| Q3 24 | — | $52.0M | ||
| Q2 24 | — | $46.0M |
股东权益FSBCPETS
| Q1 26 | $458.5M | — | ||
| Q4 25 | $445.8M | $32.8M | ||
| Q3 25 | $431.3M | $43.1M | ||
| Q2 25 | $416.7M | $51.5M | ||
| Q1 25 | $406.5M | $85.1M | ||
| Q4 24 | $396.6M | $96.2M | ||
| Q3 24 | $389.9M | $96.4M | ||
| Q2 24 | $380.5M | $93.5M |
总资产FSBCPETS
| Q1 26 | $5.0B | — | ||
| Q4 25 | $4.8B | $88.0M | ||
| Q3 25 | $4.6B | $100.3M | ||
| Q2 25 | $4.4B | $109.8M | ||
| Q1 25 | $4.2B | $148.7M | ||
| Q4 24 | $4.1B | $144.8M | ||
| Q3 24 | $3.9B | $146.0M | ||
| Q2 24 | $3.6B | $152.7M |
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 | — | $-9.2M |
| 自由现金流经营现金流 - 资本支出 | — | $-9.2M |
| 自由现金流率自由现金流/营收 | — | -22.7% |
| 资本支出强度资本支出/营收 | — | 0.1% |
| 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 | — | $-23.0M |
8季度趋势，按日历期对齐
经营现金流FSBCPETS
| Q1 26 | — | — | ||
| Q4 25 | $72.6M | $-9.2M | ||
| Q3 25 | $18.8M | $-2.2M | ||
| Q2 25 | $17.8M | $-12.3M | ||
| Q1 25 | $15.5M | $7.0M | ||
| Q4 24 | $51.8M | $-1.2M | ||
| Q3 24 | $17.5M | $7.4M | ||
| Q2 24 | $16.0M | $-8.5M |
自由现金流FSBCPETS
| Q1 26 | — | — | ||
| Q4 25 | $71.4M | $-9.2M | ||
| Q3 25 | $18.6M | $-4.8M | ||
| Q2 25 | $17.5M | $-13.6M | ||
| Q1 25 | $15.4M | $4.6M | ||
| Q4 24 | $51.2M | $-1.9M | ||
| Q3 24 | $17.3M | $6.1M | ||
| Q2 24 | $15.8M | $-9.2M |
自由现金流率FSBCPETS
| Q1 26 | — | — | ||
| Q4 25 | 164.3% | -22.7% | ||
| Q3 25 | 45.0% | -10.8% | ||
| Q2 25 | 45.8% | -26.5% | ||
| Q1 25 | 43.5% | 9.1% | ||
| Q4 24 | 145.5% | -3.7% | ||
| Q3 24 | 54.5% | 10.6% | ||
| Q2 24 | 51.6% | -13.9% |
资本支出强度FSBCPETS
| Q1 26 | — | — | ||
| Q4 25 | 2.8% | 0.1% | ||
| Q3 25 | 0.5% | 5.9% | ||
| Q2 25 | 0.6% | 2.5% | ||
| Q1 25 | 0.3% | 4.7% | ||
| Q4 24 | 1.8% | 1.5% | ||
| Q3 24 | 0.7% | 2.2% | ||
| Q2 24 | 0.7% | 1.0% |
现金转化率FSBCPETS
| 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× | 3.18× | ||
| Q2 24 | 1.49× | -2.27× |
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% |
PETS
| Reorder | $34.0M | 84% |
| New Order | $5.0M | 12% |
| Membership Fees | $1.6M | 4% |
