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合众银行（FSBC）与Neuronetics, Inc.（STIM）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Neuronetics, Inc.的1.1倍（$45.1M vs $41.8M），合众银行净利率更高（41.3% vs -17.2%，领先58.5%），过去两年Neuronetics, Inc.的营收复合增速更高（54.9% 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。
Neuronetics, Inc.是一家总部位于宾夕法尼亚州莫尔文的上市公司，2003年4月于特拉华州成立，专注研发神经调节技术相关产品，为传统治疗无效或耐药的精神疾病提供无创治疗方案。
FSBC vs STIM — 直观对比
营收规模更大
FSBC
是对方的1.1倍
$41.8M
净利率更高
FSBC
高出58.5%
-17.2%
两年增速更快
STIM
近两年复合增速
21.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $45.1M | $41.8M |
| 净利润 | $18.6M | $-7.2M |
| 毛利率 | — | 52.0% |
| 营业利润率 | — | -12.1% |
| 净利率 | 41.3% | -17.2% |
| 营收同比 | — | 85.7% |
| 净利润同比 | 42.0% | 43.2% |
| 每股收益（稀释后） | $0.87 | $-0.10 |
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FSBCSTIM
| Q1 26 | $45.1M | — | ||
| Q4 25 | $43.5M | $41.8M | ||
| Q3 25 | $41.3M | $37.3M | ||
| Q2 25 | $38.3M | $38.1M | ||
| Q1 25 | $35.3M | $32.0M | ||
| Q4 24 | $35.2M | $22.5M | ||
| Q3 24 | $31.8M | $18.5M | ||
| Q2 24 | $30.7M | $16.4M |
净利润FSBCSTIM
| Q1 26 | $18.6M | — | ||
| Q4 25 | $17.6M | $-7.2M | ||
| Q3 25 | $16.3M | $-9.0M | ||
| Q2 25 | $14.5M | $-10.1M | ||
| Q1 25 | $13.1M | $-12.7M | ||
| Q4 24 | $13.3M | $-12.7M | ||
| Q3 24 | $10.9M | $-13.3M | ||
| Q2 24 | $10.8M | $-9.8M |
毛利率FSBCSTIM
| Q1 26 | — | — | ||
| Q4 25 | — | 52.0% | ||
| Q3 25 | — | 45.9% | ||
| Q2 25 | — | 46.6% | ||
| Q1 25 | — | 49.2% | ||
| Q4 24 | — | 66.2% | ||
| Q3 24 | — | 75.6% | ||
| Q2 24 | — | 74.0% |
营业利润率FSBCSTIM
| Q1 26 | — | — | ||
| Q4 25 | 52.9% | -12.1% | ||
| Q3 25 | 53.8% | -19.6% | ||
| Q2 25 | 52.4% | -21.1% | ||
| Q1 25 | 52.0% | -34.4% | ||
| Q4 24 | 55.1% | -51.0% | ||
| Q3 24 | 48.0% | -41.7% | ||
| Q2 24 | 49.4% | -51.7% |
净利率FSBCSTIM
| Q1 26 | 41.3% | — | ||
| Q4 25 | 40.6% | -17.2% | ||
| Q3 25 | 39.6% | -24.3% | ||
| Q2 25 | 37.9% | -26.6% | ||
| Q1 25 | 37.1% | -39.6% | ||
| Q4 24 | 37.9% | -56.4% | ||
| Q3 24 | 34.4% | -72.0% | ||
| Q2 24 | 35.2% | -59.8% |
每股收益（稀释后）FSBCSTIM
| Q1 26 | $0.87 | — | ||
| Q4 25 | $0.83 | $-0.10 | ||
| Q3 25 | $0.77 | $-0.13 | ||
| Q2 25 | $0.68 | $-0.15 | ||
| Q1 25 | $0.62 | $-0.21 | ||
| Q4 24 | $0.61 | $-0.34 | ||
| Q3 24 | $0.52 | $-0.44 | ||
| Q2 24 | $0.51 | $-0.33 |
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 | $28.1M |
| 总债务越低越好 | — | $65.8M |
| 股东权益账面价值 | $458.5M | $22.4M |
| 总资产 | $5.0B | $141.6M |
| 负债/权益比越低杠杆越低 | — | 2.94× |
8季度趋势，按日历期对齐
现金及短期投资FSBCSTIM
| Q1 26 | $644.4M | — | ||
| Q4 25 | — | $28.1M | ||
| Q3 25 | — | $28.0M | ||
| Q2 25 | — | $11.0M | ||
| Q1 25 | — | $20.2M | ||
| Q4 24 | — | $18.5M | ||
| Q3 24 | — | $20.9M | ||
| Q2 24 | — | $42.6M |
总债务FSBCSTIM
| Q1 26 | — | — | ||
| Q4 25 | — | $65.8M | ||
| Q3 25 | — | $65.7M | ||
| Q2 25 | — | $55.5M | ||
| Q1 25 | — | $55.3M | ||
| Q4 24 | — | $55.2M | ||
| Q3 24 | — | $46.0M | ||
| Q2 24 | — | $59.8M |
股东权益FSBCSTIM
| Q1 26 | $458.5M | — | ||
| Q4 25 | $445.8M | $22.4M | ||
| Q3 25 | $431.3M | $27.4M | ||
| Q2 25 | $416.7M | $27.1M | ||
| Q1 25 | $406.5M | $35.5M | ||
| Q4 24 | $396.6M | $27.7M | ||
| Q3 24 | $389.9M | $9.4M | ||
| Q2 24 | $380.5M | $19.4M |
总资产FSBCSTIM
| Q1 26 | $5.0B | — | ||
| Q4 25 | $4.8B | $141.6M | ||
| Q3 25 | $4.6B | $145.5M | ||
| Q2 25 | $4.4B | $134.7M | ||
| Q1 25 | $4.2B | $142.0M | ||
| Q4 24 | $4.1B | $140.9M | ||
| Q3 24 | $3.9B | — | ||
| Q2 24 | $3.6B | $96.8M |
负债/权益比FSBCSTIM
| Q1 26 | — | — | ||
| Q4 25 | — | 2.94× | ||
| Q3 25 | — | 2.40× | ||
| Q2 25 | — | 2.05× | ||
| Q1 25 | — | 1.56× | ||
| Q4 24 | — | 1.99× | ||
| Q3 24 | — | 4.90× | ||
| Q2 24 | — | 3.08× |
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 | — | $908.0K |
| 自由现金流经营现金流 - 资本支出 | — | $692.0K |
| 自由现金流率自由现金流/营收 | — | 1.7% |
| 资本支出强度资本支出/营收 | — | 0.5% |
| 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 | — | $-21.2M |
8季度趋势，按日历期对齐
经营现金流FSBCSTIM
| Q1 26 | — | — | ||
| Q4 25 | $72.6M | $908.0K | ||
| Q3 25 | $18.8M | $-785.0K | ||
| Q2 25 | $17.8M | $-3.5M | ||
| Q1 25 | $15.5M | $-17.0M | ||
| Q4 24 | $51.8M | $-8.6M | ||
| Q3 24 | $17.5M | $-5.4M | ||
| Q2 24 | $16.0M | $-5.0M |
自由现金流FSBCSTIM
| Q1 26 | — | — | ||
| Q4 25 | $71.4M | $692.0K | ||
| Q3 25 | $18.6M | $-899.0K | ||
| Q2 25 | $17.5M | $-3.8M | ||
| Q1 25 | $15.4M | $-17.2M | ||
| Q4 24 | $51.2M | $-8.7M | ||
| Q3 24 | $17.3M | $-5.8M | ||
| Q2 24 | $15.8M | $-5.6M |
自由现金流率FSBCSTIM
| Q1 26 | — | — | ||
| Q4 25 | 164.3% | 1.7% | ||
| Q3 25 | 45.0% | -2.4% | ||
| Q2 25 | 45.8% | -9.9% | ||
| Q1 25 | 43.5% | -53.8% | ||
| Q4 24 | 145.5% | -38.6% | ||
| Q3 24 | 54.5% | -31.3% | ||
| Q2 24 | 51.6% | -34.0% |
资本支出强度FSBCSTIM
| Q1 26 | — | — | ||
| Q4 25 | 2.8% | 0.5% | ||
| Q3 25 | 0.5% | 0.3% | ||
| Q2 25 | 0.6% | 0.7% | ||
| Q1 25 | 0.3% | 0.7% | ||
| Q4 24 | 1.8% | 0.4% | ||
| Q3 24 | 0.7% | 2.1% | ||
| Q2 24 | 0.7% | 3.7% |
现金转化率FSBCSTIM
| 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× | — | ||
| 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% |
STIM
暂无分部数据
