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合众银行（FSBC）与Upland Software, Inc.（UPLD）财务数据对比。点击上方公司名可切换其他公司
Upland Software, Inc.的季度营收约是合众银行的1.1倍（$49.3M vs $45.1M），过去两年合众银行的营收复合增速更高（21.3% vs -16.5%）
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。
Upland Software是全球云原生企业工作管理解决方案提供商，旗下产品覆盖项目组合管理、客户互动、IT服务管理、财务流程自动化等领域，服务北美、欧洲、亚太各行业不同规模的企业客户。
FSBC vs UPLD — 直观对比
营收规模更大
UPLD
是对方的1.1倍
$45.1M
两年增速更快
FSBC
近两年复合增速
-16.5%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $45.1M | $49.3M |
| 净利润 | $18.6M | — |
| 毛利率 | — | 76.5% |
| 营业利润率 | — | 14.5% |
| 净利率 | 41.3% | — |
| 营收同比 | — | -27.5% |
| 净利润同比 | 42.0% | — |
| 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FSBCUPLD
| Q1 26 | $45.1M | — | ||
| Q4 25 | $43.5M | $49.3M | ||
| Q3 25 | $41.3M | $50.5M | ||
| Q2 25 | $38.3M | $53.4M | ||
| Q1 25 | $35.3M | $63.7M | ||
| Q4 24 | $35.2M | $68.0M | ||
| Q3 24 | $31.8M | $66.7M | ||
| Q2 24 | $30.7M | $69.3M |
净利润FSBCUPLD
| Q1 26 | $18.6M | — | ||
| Q4 25 | $17.6M | — | ||
| Q3 25 | $16.3M | $-1.1M | ||
| Q2 25 | $14.5M | $-13.0M | ||
| Q1 25 | $13.1M | $-25.8M | ||
| Q4 24 | $13.3M | — | ||
| Q3 24 | $10.9M | $-1.7M | ||
| Q2 24 | $10.8M | $-11.4M |
毛利率FSBCUPLD
| Q1 26 | — | — | ||
| Q4 25 | — | 76.5% | ||
| Q3 25 | — | 76.9% | ||
| Q2 25 | — | 74.8% | ||
| Q1 25 | — | 71.6% | ||
| Q4 24 | — | 70.8% | ||
| Q3 24 | — | 70.5% | ||
| Q2 24 | — | 70.5% |
营业利润率FSBCUPLD
| Q1 26 | — | — | ||
| Q4 25 | 52.9% | 14.5% | ||
| Q3 25 | 53.8% | 10.6% | ||
| Q2 25 | 52.4% | -13.2% | ||
| Q1 25 | 52.0% | -1.7% | ||
| Q4 24 | 55.1% | -2.9% | ||
| Q3 24 | 48.0% | -5.0% | ||
| Q2 24 | 49.4% | -7.7% |
净利率FSBCUPLD
| Q1 26 | 41.3% | — | ||
| Q4 25 | 40.6% | — | ||
| Q3 25 | 39.6% | -2.2% | ||
| Q2 25 | 37.9% | -24.4% | ||
| Q1 25 | 37.1% | -40.6% | ||
| Q4 24 | 37.9% | — | ||
| Q3 24 | 34.4% | -2.6% | ||
| Q2 24 | 35.2% | -16.5% |
每股收益（稀释后）FSBCUPLD
| Q1 26 | $0.87 | — | ||
| Q4 25 | $0.83 | $0.01 | ||
| Q3 25 | $0.77 | $-0.09 | ||
| Q2 25 | $0.68 | $-0.51 | ||
| Q1 25 | $0.62 | $-0.97 | ||
| Q4 24 | $0.61 | $-0.30 | ||
| Q3 24 | $0.52 | $-0.12 | ||
| Q2 24 | $0.51 | $-0.47 |
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 | $29.4M |
| 总债务越低越好 | — | $232.4M |
| 股东权益账面价值 | $458.5M | $-48.4M |
| 总资产 | $5.0B | $413.2M |
| 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FSBCUPLD
| Q1 26 | $644.4M | — | ||
| Q4 25 | — | $29.4M | ||
| Q3 25 | — | $22.8M | ||
| Q2 25 | — | $41.0M | ||
| Q1 25 | — | $33.7M | ||
| Q4 24 | — | $56.4M | ||
| Q3 24 | — | $59.7M | ||
| Q2 24 | — | $232.4M |
总债务FSBCUPLD
| Q1 26 | — | — | ||
| Q4 25 | — | $232.4M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $290.2M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益FSBCUPLD
| Q1 26 | $458.5M | — | ||
| Q4 25 | $445.8M | $-48.4M | ||
| Q3 25 | $431.3M | $-47.3M | ||
| Q2 25 | $416.7M | $-42.4M | ||
| Q1 25 | $406.5M | $-37.8M | ||
| Q4 24 | $396.6M | $-18.3M | ||
| Q3 24 | $389.9M | $907.0K | ||
| Q2 24 | $380.5M | $6.5M |
总资产FSBCUPLD
| Q1 26 | $5.0B | — | ||
| Q4 25 | $4.8B | $413.2M | ||
| Q3 25 | $4.6B | $409.1M | ||
| Q2 25 | $4.4B | $441.7M | ||
| Q1 25 | $4.2B | $457.0M | ||
| Q4 24 | $4.1B | $529.5M | ||
| Q3 24 | $3.9B | $554.9M | ||
| Q2 24 | $3.6B | $739.9M |
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 | — | $7.3M |
| 自由现金流经营现金流 - 资本支出 | — | $7.2M |
| 自由现金流率自由现金流/营收 | — | 14.7% |
| 资本支出强度资本支出/营收 | — | 0.2% |
| 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 | — | $24.4M |
8季度趋势，按日历期对齐
经营现金流FSBCUPLD
| Q1 26 | — | — | ||
| Q4 25 | $72.6M | $7.3M | ||
| Q3 25 | $18.8M | $6.9M | ||
| Q2 25 | $17.8M | $3.3M | ||
| Q1 25 | $15.5M | $8.3M | ||
| Q4 24 | $51.8M | $9.3M | ||
| Q3 24 | $17.5M | $4.3M | ||
| Q2 24 | $16.0M | $5.5M |
自由现金流FSBCUPLD
| Q1 26 | — | — | ||
| Q4 25 | $71.4M | $7.2M | ||
| Q3 25 | $18.6M | $6.7M | ||
| Q2 25 | $17.5M | $2.7M | ||
| Q1 25 | $15.4M | $7.9M | ||
| Q4 24 | $51.2M | $9.0M | ||
| Q3 24 | $17.3M | $4.2M | ||
| Q2 24 | $15.8M | $5.2M |
自由现金流率FSBCUPLD
| Q1 26 | — | — | ||
| Q4 25 | 164.3% | 14.7% | ||
| Q3 25 | 45.0% | 13.2% | ||
| Q2 25 | 45.8% | 5.0% | ||
| Q1 25 | 43.5% | 12.4% | ||
| Q4 24 | 145.5% | 13.3% | ||
| Q3 24 | 54.5% | 6.3% | ||
| Q2 24 | 51.6% | 7.5% |
资本支出强度FSBCUPLD
| Q1 26 | — | — | ||
| Q4 25 | 2.8% | 0.2% | ||
| Q3 25 | 0.5% | 0.4% | ||
| Q2 25 | 0.6% | 1.2% | ||
| Q1 25 | 0.3% | 0.7% | ||
| Q4 24 | 1.8% | 0.5% | ||
| Q3 24 | 0.7% | 0.2% | ||
| Q2 24 | 0.7% | 0.4% |
现金转化率FSBCUPLD
| 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% |
UPLD
暂无分部数据
