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合众银行（FSBC）与R F INDUSTRIES LTD（RFIL）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R F INDUSTRIES LTD的2.0倍（$45.1M vs $22.7M），合众银行净利率更高（41.3% vs 0.8%，领先40.5%），过去两年R F INDUSTRIES LTD的营收复合增速更高（29.8% 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。
妥思卷工业是一家总部位于美国伊利诺伊州芝加哥的糖果制造商，旗下最知名的产品包括同名的Tootsie Roll软糖以及Tootsie Pop棒棒糖，目前其品牌产品销往加拿大、墨西哥等全球超过75个国家。
FSBC vs RFIL — 直观对比
营收规模更大
FSBC
是对方的2.0倍
$22.7M
净利率更高
FSBC
高出40.5%
0.8%
两年增速更快
RFIL
近两年复合增速
21.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $45.1M | $22.7M |
| 净利润 | $18.6M | $173.0K |
| 毛利率 | — | 36.8% |
| 营业利润率 | — | 4.0% |
| 净利率 | 41.3% | 0.8% |
| 营收同比 | — | 22.9% |
| 净利润同比 | 42.0% | 172.7% |
| 每股收益（稀释后） | $0.87 | $0.01 |
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FSBCRFIL
| Q1 26 | $45.1M | — | ||
| Q4 25 | $43.5M | $22.7M | ||
| Q3 25 | $41.3M | $19.8M | ||
| Q2 25 | $38.3M | $18.9M | ||
| Q1 25 | $35.3M | $19.2M | ||
| Q4 24 | $35.2M | $18.5M | ||
| Q3 24 | $31.8M | $16.8M | ||
| Q2 24 | $30.7M | $16.1M |
净利润FSBCRFIL
| Q1 26 | $18.6M | — | ||
| Q4 25 | $17.6M | $173.0K | ||
| Q3 25 | $16.3M | $392.0K | ||
| Q2 25 | $14.5M | $-245.0K | ||
| Q1 25 | $13.1M | $-245.0K | ||
| Q4 24 | $13.3M | $-238.0K | ||
| Q3 24 | $10.9M | $-705.0K | ||
| Q2 24 | $10.8M | $-4.3M |
毛利率FSBCRFIL
| Q1 26 | — | — | ||
| Q4 25 | — | 36.8% | ||
| Q3 25 | — | 34.0% | ||
| Q2 25 | — | 31.5% | ||
| Q1 25 | — | 29.8% | ||
| Q4 24 | — | 31.3% | ||
| Q3 24 | — | 29.5% | ||
| Q2 24 | — | 29.9% |
营业利润率FSBCRFIL
| Q1 26 | — | — | ||
| Q4 25 | 52.9% | 4.0% | ||
| Q3 25 | 53.8% | 3.6% | ||
| Q2 25 | 52.4% | 0.6% | ||
| Q1 25 | 52.0% | 0.3% | ||
| Q4 24 | 55.1% | 0.5% | ||
| Q3 24 | 48.0% | -2.5% | ||
| Q2 24 | 49.4% | -2.6% |
净利率FSBCRFIL
| Q1 26 | 41.3% | — | ||
| Q4 25 | 40.6% | 0.8% | ||
| Q3 25 | 39.6% | 2.0% | ||
| Q2 25 | 37.9% | -1.3% | ||
| Q1 25 | 37.1% | -1.3% | ||
| Q4 24 | 37.9% | -1.3% | ||
| Q3 24 | 34.4% | -4.2% | ||
| Q2 24 | 35.2% | -26.7% |
每股收益（稀释后）FSBCRFIL
| Q1 26 | $0.87 | — | ||
| Q4 25 | $0.83 | $0.01 | ||
| Q3 25 | $0.77 | $0.04 | ||
| Q2 25 | $0.68 | $-0.02 | ||
| Q1 25 | $0.62 | $-0.02 | ||
| Q4 24 | $0.61 | $-0.02 | ||
| Q3 24 | $0.52 | $-0.07 | ||
| Q2 24 | $0.51 | $-0.41 |
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 | $5.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $458.5M | $35.2M |
| 总资产 | $5.0B | $73.0M |
| 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FSBCRFIL
| Q1 26 | $644.4M | — | ||
| Q4 25 | — | $5.1M | ||
| Q3 25 | — | $3.0M | ||
| Q2 25 | — | $3.6M | ||
| Q1 25 | — | $1.3M | ||
| Q4 24 | — | $839.0K | ||
| Q3 24 | — | $1.8M | ||
| Q2 24 | — | $1.4M |
股东权益FSBCRFIL
| Q1 26 | $458.5M | — | ||
| Q4 25 | $445.8M | $35.2M | ||
| Q3 25 | $431.3M | $34.8M | ||
| Q2 25 | $416.7M | $34.2M | ||
| Q1 25 | $406.5M | $34.2M | ||
| Q4 24 | $396.6M | $34.1M | ||
| Q3 24 | $389.9M | $34.1M | ||
| Q2 24 | $380.5M | $34.6M |
总资产FSBCRFIL
| Q1 26 | $5.0B | — | ||
| Q4 25 | $4.8B | $73.0M | ||
| Q3 25 | $4.6B | $73.2M | ||
| Q2 25 | $4.4B | $72.7M | ||
| Q1 25 | $4.2B | $70.4M | ||
| Q4 24 | $4.1B | $71.0M | ||
| Q3 24 | $3.9B | $71.9M | ||
| Q2 24 | $3.6B | $72.8M |
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 | — | $2.1M |
| 自由现金流经营现金流 - 资本支出 | — | $2.0M |
| 自由现金流率自由现金流/营收 | — | 9.0% |
| 资本支出强度资本支出/营收 | — | 0.3% |
| 现金转化率经营现金流/净利润 | — | 12.13× |
| 过去12个月自由现金流最近4个季度 | — | $4.3M |
8季度趋势，按日历期对齐
经营现金流FSBCRFIL
| Q1 26 | — | — | ||
| Q4 25 | $72.6M | $2.1M | ||
| Q3 25 | $18.8M | $-311.0K | ||
| Q2 25 | $17.8M | $2.2M | ||
| Q1 25 | $15.5M | $601.0K | ||
| Q4 24 | $51.8M | $-244.0K | ||
| Q3 24 | $17.5M | $2.4M | ||
| Q2 24 | $16.0M | $197.0K |
自由现金流FSBCRFIL
| Q1 26 | — | — | ||
| Q4 25 | $71.4M | $2.0M | ||
| Q3 25 | $18.6M | $-419.0K | ||
| Q2 25 | $17.5M | $2.2M | ||
| Q1 25 | $15.4M | $574.0K | ||
| Q4 24 | $51.2M | $-418.0K | ||
| Q3 24 | $17.3M | $2.1M | ||
| Q2 24 | $15.8M | $28.0K |
自由现金流率FSBCRFIL
| Q1 26 | — | — | ||
| Q4 25 | 164.3% | 9.0% | ||
| Q3 25 | 45.0% | -2.1% | ||
| Q2 25 | 45.8% | 11.4% | ||
| Q1 25 | 43.5% | 3.0% | ||
| Q4 24 | 145.5% | -2.3% | ||
| Q3 24 | 54.5% | 12.6% | ||
| Q2 24 | 51.6% | 0.2% |
资本支出强度FSBCRFIL
| Q1 26 | — | — | ||
| Q4 25 | 2.8% | 0.3% | ||
| Q3 25 | 0.5% | 0.5% | ||
| Q2 25 | 0.6% | 0.2% | ||
| Q1 25 | 0.3% | 0.1% | ||
| Q4 24 | 1.8% | 0.9% | ||
| Q3 24 | 0.7% | 1.5% | ||
| Q2 24 | 0.7% | 1.0% |
现金转化率FSBCRFIL
| Q1 26 | — | — | ||
| Q4 25 | 4.12× | 12.13× | ||
| Q3 25 | 1.15× | -0.79× | ||
| 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% |
RFIL
| US | $20.9M | 92% |
| Non Us | $1.8M | 8% |
