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合众银行（FSBC）与Stran & Company, Inc.（SWAG）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Stran & Company, Inc.的1.6倍（$45.1M vs $28.9M），合众银行净利率更高（41.3% vs 0.8%，领先40.4%），过去两年Stran & Company, Inc.的营收复合增速更高（24.0% 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。
Stran & Company, Inc.是品牌促销产品、定制周边及一体化营销解决方案供应商，服务覆盖零售、医疗、科技、教育等领域企业客户，助力客户开展品牌宣传、用户运营及员工激励相关工作。
FSBC vs SWAG — 直观对比
营收规模更大
FSBC
是对方的1.6倍
$28.9M
净利率更高
FSBC
高出40.4%
0.8%
两年增速更快
SWAG
近两年复合增速
21.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $45.1M | $28.9M |
| 净利润 | $18.6M | $243.0K |
| 毛利率 | — | 30.4% |
| 营业利润率 | — | -0.1% |
| 净利率 | 41.3% | 0.8% |
| 营收同比 | — | 7.2% |
| 净利润同比 | 42.0% | 141.5% |
| 每股收益（稀释后） | $0.87 | $0.02 |
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FSBCSWAG
| Q1 26 | $45.1M | — | ||
| Q4 25 | $43.5M | $28.9M | ||
| Q3 25 | $41.3M | $26.0M | ||
| Q2 25 | $38.3M | $32.6M | ||
| Q1 25 | $35.3M | $28.7M | ||
| Q4 24 | $35.2M | $27.0M | ||
| Q3 24 | $31.8M | $20.1M | ||
| Q2 24 | $30.7M | $16.7M |
净利润FSBCSWAG
| Q1 26 | $18.6M | — | ||
| Q4 25 | $17.6M | $243.0K | ||
| Q3 25 | $16.3M | $-1.2M | ||
| Q2 25 | $14.5M | $643.0K | ||
| Q1 25 | $13.1M | $-393.0K | ||
| Q4 24 | $13.3M | $-586.0K | ||
| Q3 24 | $10.9M | $-2.0M | ||
| Q2 24 | $10.8M | $-1.0M |
毛利率FSBCSWAG
| Q1 26 | — | — | ||
| Q4 25 | — | 30.4% | ||
| Q3 25 | — | 27.2% | ||
| Q2 25 | — | 30.3% | ||
| Q1 25 | — | 29.6% | ||
| Q4 24 | — | 32.5% | ||
| Q3 24 | — | 29.5% | ||
| Q2 24 | — | 32.8% |
营业利润率FSBCSWAG
| Q1 26 | — | — | ||
| Q4 25 | 52.9% | -0.1% | ||
| Q3 25 | 53.8% | -6.9% | ||
| Q2 25 | 52.4% | 1.2% | ||
| Q1 25 | 52.0% | -1.9% | ||
| Q4 24 | 55.1% | -3.5% | ||
| Q3 24 | 48.0% | -10.8% | ||
| Q2 24 | 49.4% | -6.6% |
净利率FSBCSWAG
| Q1 26 | 41.3% | — | ||
| Q4 25 | 40.6% | 0.8% | ||
| Q3 25 | 39.6% | -4.8% | ||
| Q2 25 | 37.9% | 2.0% | ||
| Q1 25 | 37.1% | -1.4% | ||
| Q4 24 | 37.9% | -2.2% | ||
| Q3 24 | 34.4% | -10.1% | ||
| Q2 24 | 35.2% | -6.1% |
每股收益（稀释后）FSBCSWAG
| Q1 26 | $0.87 | — | ||
| Q4 25 | $0.83 | $0.02 | ||
| Q3 25 | $0.77 | $-0.07 | ||
| Q2 25 | $0.68 | $0.03 | ||
| Q1 25 | $0.62 | $-0.02 | ||
| Q4 24 | $0.61 | $-0.02 | ||
| Q3 24 | $0.52 | $-0.11 | ||
| Q2 24 | $0.51 | $-0.06 |
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 | $11.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $458.5M | $30.5M |
| 总资产 | $5.0B | $49.3M |
| 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FSBCSWAG
| Q1 26 | $644.4M | — | ||
| Q4 25 | — | $11.6M | ||
| Q3 25 | — | $11.8M | ||
| Q2 25 | — | $18.1M | ||
| Q1 25 | — | $12.2M | ||
| Q4 24 | — | $18.2M | ||
| Q3 24 | — | $6.9M | ||
| Q2 24 | — | $9.6M |
股东权益FSBCSWAG
| Q1 26 | $458.5M | — | ||
| Q4 25 | $445.8M | $30.5M | ||
| Q3 25 | $431.3M | $30.2M | ||
| Q2 25 | $416.7M | $31.8M | ||
| Q1 25 | $406.5M | $31.3M | ||
| Q4 24 | $396.6M | $31.6M | ||
| Q3 24 | $389.9M | $32.3M | ||
| Q2 24 | $380.5M | $34.3M |
总资产FSBCSWAG
| Q1 26 | $5.0B | — | ||
| Q4 25 | $4.8B | $49.3M | ||
| Q3 25 | $4.6B | $50.3M | ||
| Q2 25 | $4.4B | $61.2M | ||
| Q1 25 | $4.2B | $52.2M | ||
| Q4 24 | $4.1B | $55.1M | ||
| Q3 24 | $3.9B | $48.8M | ||
| Q2 24 | $3.6B | $46.6M |
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 | — | $161.0K |
| 自由现金流经营现金流 - 资本支出 | — | $38.0K |
| 自由现金流率自由现金流/营收 | — | 0.1% |
| 资本支出强度资本支出/营收 | — | 0.4% |
| 现金转化率经营现金流/净利润 | — | 0.66× |
| 过去12个月自由现金流最近4个季度 | — | $-5.5M |
8季度趋势，按日历期对齐
经营现金流FSBCSWAG
| Q1 26 | — | — | ||
| Q4 25 | $72.6M | $161.0K | ||
| Q3 25 | $18.8M | $-5.4M | ||
| Q2 25 | $17.8M | $6.4M | ||
| Q1 25 | $15.5M | $-5.9M | ||
| Q4 24 | $51.8M | $1.3M | ||
| Q3 24 | $17.5M | $-2.7M | ||
| Q2 24 | $16.0M | $2.1M |
自由现金流FSBCSWAG
| Q1 26 | — | — | ||
| Q4 25 | $71.4M | $38.0K | ||
| Q3 25 | $18.6M | $-5.9M | ||
| Q2 25 | $17.5M | $6.3M | ||
| Q1 25 | $15.4M | $-6.0M | ||
| Q4 24 | $51.2M | $1.2M | ||
| Q3 24 | $17.3M | $-2.9M | ||
| Q2 24 | $15.8M | $1.9M |
自由现金流率FSBCSWAG
| Q1 26 | — | — | ||
| Q4 25 | 164.3% | 0.1% | ||
| Q3 25 | 45.0% | -22.6% | ||
| Q2 25 | 45.8% | 19.5% | ||
| Q1 25 | 43.5% | -21.0% | ||
| Q4 24 | 145.5% | 4.6% | ||
| Q3 24 | 54.5% | -14.3% | ||
| Q2 24 | 51.6% | 11.6% |
资本支出强度FSBCSWAG
| Q1 26 | — | — | ||
| Q4 25 | 2.8% | 0.4% | ||
| Q3 25 | 0.5% | 1.9% | ||
| Q2 25 | 0.6% | 0.2% | ||
| Q1 25 | 0.3% | 0.4% | ||
| Q4 24 | 1.8% | 0.3% | ||
| Q3 24 | 0.7% | 0.7% | ||
| Q2 24 | 0.7% | 1.1% |
现金转化率FSBCSWAG
| Q1 26 | — | — | ||
| Q4 25 | 4.12× | 0.66× | ||
| Q3 25 | 1.15× | — | ||
| Q2 25 | 1.23× | 9.99× | ||
| 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% |
SWAG
| Promotional Products Dropshipping | $11.2M | 39% |
| Casino Continuity Program | $6.9M | 24% |
| Promotional Products Company Owned Inventory | $4.6M | 16% |
| Promotional Products Bulk Dropshipping | $3.8M | 13% |
| Promotional Products Thirdparty Distributor | $1.8M | 6% |
| Other | $610.0K | 2% |
