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合众银行（FSBC）与湘南美容医疗集团（SBC）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湘南美容医疗集团的1.1倍（$45.1M vs $39.6M），合众银行净利率更高（41.3% vs 35.9%，领先5.4%），过去两年合众银行的营收复合增速更高（21.3% vs -15.0%）
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。
湘南美容医疗集团是总部位于日本的知名医疗服务提供商，核心业务覆盖美容整形、皮肤科诊疗、抗衰老健康护理等领域，在日本各地运营大量连锁诊所，同时服务本地居民及赴日就医的国际游客。
FSBC vs SBC — 直观对比
营收规模更大
FSBC
是对方的1.1倍
$39.6M
净利率更高
FSBC
高出5.4%
35.9%
两年增速更快
FSBC
近两年复合增速
-15.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $45.1M | $39.6M |
| 净利润 | $18.6M | $14.2M |
| 毛利率 | — | 73.1% |
| 营业利润率 | — | 32.5% |
| 净利率 | 41.3% | 35.9% |
| 营收同比 | — | -10.9% |
| 净利润同比 | 42.0% | 117.2% |
| 每股收益（稀释后） | $0.87 | $0.15 |
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FSBCSBC
| Q1 26 | $45.1M | — | ||
| Q4 25 | $43.5M | $39.6M | ||
| Q3 25 | $41.3M | $43.4M | ||
| Q2 25 | $38.3M | $43.4M | ||
| Q1 25 | $35.3M | $47.3M | ||
| Q4 24 | $35.2M | $44.4M | ||
| Q3 24 | $31.8M | $53.1M | ||
| Q2 24 | $30.7M | $53.1M |
净利润FSBCSBC
| Q1 26 | $18.6M | — | ||
| Q4 25 | $17.6M | $14.2M | ||
| Q3 25 | $16.3M | $12.8M | ||
| Q2 25 | $14.5M | $2.5M | ||
| Q1 25 | $13.1M | $21.5M | ||
| Q4 24 | $13.3M | $6.5M | ||
| Q3 24 | $10.9M | $2.8M | ||
| Q2 24 | $10.8M | $18.5M |
毛利率FSBCSBC
| Q1 26 | — | — | ||
| Q4 25 | — | 73.1% | ||
| Q3 25 | — | 70.6% | ||
| Q2 25 | — | 69.2% | ||
| Q1 25 | — | 79.7% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 81.5% | ||
| Q2 24 | — | 74.2% |
营业利润率FSBCSBC
| Q1 26 | — | — | ||
| Q4 25 | 52.9% | 32.5% | ||
| Q3 25 | 53.8% | 36.6% | ||
| Q2 25 | 52.4% | 33.6% | ||
| Q1 25 | 52.0% | 51.1% | ||
| Q4 24 | 55.1% | 10.6% | ||
| Q3 24 | 48.0% | 26.1% | ||
| Q2 24 | 49.4% | 51.4% |
净利率FSBCSBC
| Q1 26 | 41.3% | — | ||
| Q4 25 | 40.6% | 35.9% | ||
| Q3 25 | 39.6% | 29.6% | ||
| Q2 25 | 37.9% | 5.7% | ||
| Q1 25 | 37.1% | 45.4% | ||
| Q4 24 | 37.9% | 14.7% | ||
| Q3 24 | 34.4% | 5.3% | ||
| Q2 24 | 35.2% | 34.8% |
每股收益（稀释后）FSBCSBC
| Q1 26 | $0.87 | — | ||
| Q4 25 | $0.83 | $0.15 | ||
| Q3 25 | $0.77 | $0.12 | ||
| Q2 25 | $0.68 | $0.02 | ||
| Q1 25 | $0.62 | $0.21 | ||
| Q4 24 | $0.61 | $0.05 | ||
| Q3 24 | $0.52 | $0.03 | ||
| Q2 24 | $0.51 | $0.20 |
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 | $164.1M |
| 总债务越低越好 | — | $42.8M |
| 股东权益账面价值 | $458.5M | $248.3M |
| 总资产 | $5.0B | $380.4M |
| 负债/权益比越低杠杆越低 | — | 0.17× |
8季度趋势，按日历期对齐
现金及短期投资FSBCSBC
| Q1 26 | $644.4M | — | ||
| Q4 25 | — | $164.1M | ||
| Q3 25 | — | $127.4M | ||
| Q2 25 | — | $152.7M | ||
| Q1 25 | — | $132.1M | ||
| Q4 24 | — | $125.0M | ||
| Q3 24 | — | $137.4M | ||
| Q2 24 | — | — |
总债务FSBCSBC
| Q1 26 | — | — | ||
| Q4 25 | — | $42.8M | ||
| Q3 25 | — | $21.1M | ||
| Q2 25 | — | $7.1M | ||
| Q1 25 | — | $6.9M | ||
| Q4 24 | — | $6.6M | ||
| Q3 24 | — | $823.2K | ||
| Q2 24 | — | — |
股东权益FSBCSBC
| Q1 26 | $458.5M | — | ||
| Q4 25 | $445.8M | $248.3M | ||
| Q3 25 | $431.3M | $248.0M | ||
| Q2 25 | $416.7M | $244.6M | ||
| Q1 25 | $406.5M | $226.4M | ||
| Q4 24 | $396.6M | $195.1M | ||
| Q3 24 | $389.9M | $205.0M | ||
| Q2 24 | $380.5M | $8.8M |
总资产FSBCSBC
| Q1 26 | $5.0B | — | ||
| Q4 25 | $4.8B | $380.4M | ||
| Q3 25 | $4.6B | $321.4M | ||
| Q2 25 | $4.4B | $315.3M | ||
| Q1 25 | $4.2B | $284.6M | ||
| Q4 24 | $4.1B | $266.1M | ||
| Q3 24 | $3.9B | $296.5M | ||
| Q2 24 | $3.6B | $19.5M |
负债/权益比FSBCSBC
| Q1 26 | — | — | ||
| Q4 25 | — | 0.17× | ||
| Q3 25 | — | 0.09× | ||
| Q2 25 | — | 0.03× | ||
| Q1 25 | — | 0.03× | ||
| Q4 24 | — | 0.03× | ||
| Q3 24 | — | 0.00× | ||
| Q2 24 | — | — |
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 | — | $52.0M |
| 自由现金流经营现金流 - 资本支出 | — | $51.2M |
| 自由现金流率自由现金流/营收 | — | 129.3% |
| 资本支出强度资本支出/营收 | — | 2.0% |
| 现金转化率经营现金流/净利润 | — | 3.66× |
| 过去12个月自由现金流最近4个季度 | — | $23.3M |
8季度趋势，按日历期对齐
经营现金流FSBCSBC
| Q1 26 | — | — | ||
| Q4 25 | $72.6M | $52.0M | ||
| Q3 25 | $18.8M | $-20.9M | ||
| Q2 25 | $17.8M | $-8.3M | ||
| Q1 25 | $15.5M | $1.9M | ||
| Q4 24 | $51.8M | $-7.3M | ||
| Q3 24 | $17.5M | $5.0M | ||
| Q2 24 | $16.0M | $19.2M |
自由现金流FSBCSBC
| Q1 26 | — | — | ||
| Q4 25 | $71.4M | $51.2M | ||
| Q3 25 | $18.6M | $-20.9M | ||
| Q2 25 | $17.5M | $-8.6M | ||
| Q1 25 | $15.4M | $1.7M | ||
| Q4 24 | $51.2M | $-7.9M | ||
| Q3 24 | $17.3M | $4.6M | ||
| Q2 24 | $15.8M | $18.3M |
自由现金流率FSBCSBC
| Q1 26 | — | — | ||
| Q4 25 | 164.3% | 129.3% | ||
| Q3 25 | 45.0% | -48.3% | ||
| Q2 25 | 45.8% | -19.9% | ||
| Q1 25 | 43.5% | 3.5% | ||
| Q4 24 | 145.5% | -17.8% | ||
| Q3 24 | 54.5% | 8.7% | ||
| Q2 24 | 51.6% | 34.5% |
资本支出强度FSBCSBC
| Q1 26 | — | — | ||
| Q4 25 | 2.8% | 2.0% | ||
| Q3 25 | 0.5% | 0.1% | ||
| Q2 25 | 0.6% | 0.7% | ||
| Q1 25 | 0.3% | 0.5% | ||
| Q4 24 | 1.8% | 1.3% | ||
| Q3 24 | 0.7% | 0.8% | ||
| Q2 24 | 0.7% | 1.6% |
现金转化率FSBCSBC
| Q1 26 | — | — | ||
| Q4 25 | 4.12× | 3.66× | ||
| Q3 25 | 1.15× | -1.63× | ||
| Q2 25 | 1.23× | -3.39× | ||
| Q1 25 | 1.18× | 0.09× | ||
| Q4 24 | 3.89× | -1.12× | ||
| Q3 24 | 1.60× | 1.77× | ||
| Q2 24 | 1.49× | 1.04× |
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% |
SBC
| Franchising | $10.3M | 26% |
| Medical Corporation Shobikai | $8.1M | 21% |
| Medical Corporation Nasukai | $7.2M | 18% |
| Management Services | $6.3M | 16% |
| Rental Services | $4.3M | 11% |
| Medical Corporation Association Furinkai | $3.0M | 8% |
| Japan Medical And Beauty Inc | $656.5K | 2% |
