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合众银行（FSBC）与Star Holdings（STHO）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Star Holdings的1.8倍（$45.1M vs $25.4M），合众银行净利率更高（41.3% vs -75.5%，领先116.8%），过去两年合众银行的营收复合增速更高（21.3% vs -0.2%）
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。
蓝星有限公司是一家印度跨国家电企业，总部位于孟买，主营空调、商用制冷以及机电工程业务，是印度本土市场规模第二大的空调领域本土企业。
FSBC vs STHO — 直观对比
营收规模更大
FSBC
是对方的1.8倍
$25.4M
净利率更高
FSBC
高出116.8%
-75.5%
两年增速更快
FSBC
近两年复合增速
-0.2%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $45.1M | $25.4M |
| 净利润 | $18.6M | $-19.1M |
| 毛利率 | — | — |
| 营业利润率 | — | -91.7% |
| 净利率 | 41.3% | -75.5% |
| 营收同比 | — | -22.6% |
| 净利润同比 | 42.0% | 81.3% |
| 每股收益（稀释后） | $0.87 | $-1.52 |
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FSBCSTHO
| Q1 26 | $45.1M | — | ||
| Q4 25 | $43.5M | $25.4M | ||
| Q3 25 | $41.3M | $28.1M | ||
| Q2 25 | $38.3M | $42.1M | ||
| Q1 25 | $35.3M | $14.6M | ||
| Q4 24 | $35.2M | $32.8M | ||
| Q3 24 | $31.8M | $24.6M | ||
| Q2 24 | $30.7M | $30.6M |
净利润FSBCSTHO
| Q1 26 | $18.6M | — | ||
| Q4 25 | $17.6M | $-19.1M | ||
| Q3 25 | $16.3M | $1.8M | ||
| Q2 25 | $14.5M | $-39.3M | ||
| Q1 25 | $13.1M | $-7.6M | ||
| Q4 24 | $13.3M | $-102.6M | ||
| Q3 24 | $10.9M | $91.9M | ||
| Q2 24 | $10.8M | $-27.1M |
营业利润率FSBCSTHO
| Q1 26 | — | — | ||
| Q4 25 | 52.9% | -91.7% | ||
| Q3 25 | 53.8% | 1.0% | ||
| Q2 25 | 52.4% | -94.5% | ||
| Q1 25 | 52.0% | -55.0% | ||
| Q4 24 | 55.1% | -314.1% | ||
| Q3 24 | 48.0% | — | ||
| Q2 24 | 49.4% | -91.5% |
净利率FSBCSTHO
| Q1 26 | 41.3% | — | ||
| Q4 25 | 40.6% | -75.5% | ||
| Q3 25 | 39.6% | 6.4% | ||
| Q2 25 | 37.9% | -93.5% | ||
| Q1 25 | 37.1% | -52.0% | ||
| Q4 24 | 37.9% | -313.1% | ||
| Q3 24 | 34.4% | 374.3% | ||
| Q2 24 | 35.2% | -88.8% |
每股收益（稀释后）FSBCSTHO
| Q1 26 | $0.87 | — | ||
| Q4 25 | $0.83 | $-1.52 | ||
| Q3 25 | $0.77 | $0.14 | ||
| Q2 25 | $0.68 | $-2.95 | ||
| Q1 25 | $0.62 | $-0.57 | ||
| Q4 24 | $0.61 | $-7.69 | ||
| Q3 24 | $0.52 | $6.90 | ||
| Q2 24 | $0.51 | $-2.04 |
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 | $50.1M |
| 总债务越低越好 | — | $268.7M |
| 股东权益账面价值 | $458.5M | $251.8M |
| 总资产 | $5.0B | $570.2M |
| 负债/权益比越低杠杆越低 | — | 1.07× |
8季度趋势，按日历期对齐
现金及短期投资FSBCSTHO
| Q1 26 | $644.4M | — | ||
| Q4 25 | — | $50.1M | ||
| Q3 25 | — | $40.6M | ||
| Q2 25 | — | $44.2M | ||
| Q1 25 | — | $30.3M | ||
| Q4 24 | — | $35.0M | ||
| Q3 24 | — | $45.0M | ||
| Q2 24 | — | $48.3M |
总债务FSBCSTHO
| Q1 26 | — | — | ||
| Q4 25 | — | $268.7M | ||
| Q3 25 | — | $259.3M | ||
| Q2 25 | — | $245.4M | ||
| Q1 25 | — | $231.5M | ||
| Q4 24 | — | $217.3M | ||
| Q3 24 | — | $201.2M | ||
| Q2 24 | — | $197.2M |
股东权益FSBCSTHO
| Q1 26 | $458.5M | — | ||
| Q4 25 | $445.8M | $251.8M | ||
| Q3 25 | $431.3M | $275.4M | ||
| Q2 25 | $416.7M | $276.1M | ||
| Q1 25 | $406.5M | $316.1M | ||
| Q4 24 | $396.6M | $324.3M | ||
| Q3 24 | $389.9M | $427.5M | ||
| Q2 24 | $380.5M | $335.3M |
总资产FSBCSTHO
| Q1 26 | $5.0B | — | ||
| Q4 25 | $4.8B | $570.2M | ||
| Q3 25 | $4.6B | $595.9M | ||
| Q2 25 | $4.4B | $589.9M | ||
| Q1 25 | $4.2B | $618.2M | ||
| Q4 24 | $4.1B | $608.7M | ||
| Q3 24 | $3.9B | $696.5M | ||
| Q2 24 | $3.6B | $601.0M |
负债/权益比FSBCSTHO
| Q1 26 | — | — | ||
| Q4 25 | — | 1.07× | ||
| Q3 25 | — | 0.94× | ||
| Q2 25 | — | 0.89× | ||
| Q1 25 | — | 0.73× | ||
| Q4 24 | — | 0.67× | ||
| Q3 24 | — | 0.47× | ||
| Q2 24 | — | 0.59× |
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 | — | $-11.7M |
| 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 | — | — |
| 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FSBCSTHO
| Q1 26 | — | — | ||
| Q4 25 | $72.6M | $-11.7M | ||
| Q3 25 | $18.8M | $5.3M | ||
| Q2 25 | $17.8M | $-2.6M | ||
| Q1 25 | $15.5M | $-6.3M | ||
| Q4 24 | $51.8M | $-31.3M | ||
| Q3 24 | $17.5M | $-3.8M | ||
| Q2 24 | $16.0M | $-6.4M |
自由现金流FSBCSTHO
| Q1 26 | — | — | ||
| Q4 25 | $71.4M | — | ||
| Q3 25 | $18.6M | — | ||
| Q2 25 | $17.5M | — | ||
| Q1 25 | $15.4M | — | ||
| Q4 24 | $51.2M | — | ||
| Q3 24 | $17.3M | — | ||
| Q2 24 | $15.8M | — |
自由现金流率FSBCSTHO
| Q1 26 | — | — | ||
| Q4 25 | 164.3% | — | ||
| Q3 25 | 45.0% | — | ||
| Q2 25 | 45.8% | — | ||
| Q1 25 | 43.5% | — | ||
| Q4 24 | 145.5% | — | ||
| Q3 24 | 54.5% | — | ||
| Q2 24 | 51.6% | — |
资本支出强度FSBCSTHO
| Q1 26 | — | — | ||
| Q4 25 | 2.8% | — | ||
| Q3 25 | 0.5% | — | ||
| Q2 25 | 0.6% | — | ||
| Q1 25 | 0.3% | — | ||
| Q4 24 | 1.8% | — | ||
| Q3 24 | 0.7% | — | ||
| Q2 24 | 0.7% | — |
现金转化率FSBCSTHO
| Q1 26 | — | — | ||
| Q4 25 | 4.12× | — | ||
| Q3 25 | 1.15× | 2.95× | ||
| Q2 25 | 1.23× | — | ||
| Q1 25 | 1.18× | — | ||
| Q4 24 | 3.89× | — | ||
| Q3 24 | 1.60× | -0.04× | ||
| 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% |
STHO
| Land Development | $13.0M | 51% |
| Other Income Revenue | $9.3M | 37% |
| Operating Lease Income | $2.0M | 8% |
| Other | $1.2M | 5% |
