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合众银行（FSBC）与VIRCO MFG CORPORATION（VIRC）财务数据对比。点击上方公司名可切换其他公司
VIRCO MFG CORPORATION的季度营收约是合众银行的1.1倍（$47.6M vs $45.1M），合众银行净利率更高（41.3% vs -2.8%，领先44.1%），过去两年合众银行的营收复合增速更高（21.3% vs 5.7%）
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。
维尔科制造公司（简称Virco）是总部位于美国加利福尼亚州托伦斯的家具制造商，主打教育场景家具产品，核心产品涵盖学生课桌、活动桌、校园及办公座椅、电脑台、轻质折叠桌与布艺沙发椅等。
FSBC vs VIRC — 直观对比
营收规模更大
VIRC
是对方的1.1倍
$45.1M
净利率更高
FSBC
高出44.1%
-2.8%
两年增速更快
FSBC
近两年复合增速
5.7%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $45.1M | $47.6M |
| 净利润 | $18.6M | $-1.3M |
| 毛利率 | — | 38.0% |
| 营业利润率 | — | -3.6% |
| 净利率 | 41.3% | -2.8% |
| 营收同比 | — | -42.3% |
| 净利润同比 | 42.0% | -115.8% |
| 每股收益（稀释后） | $0.87 | $-0.08 |
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FSBCVIRC
| Q1 26 | $45.1M | — | ||
| Q4 25 | $43.5M | $47.6M | ||
| Q3 25 | $41.3M | $92.1M | ||
| Q2 25 | $38.3M | $33.8M | ||
| Q1 25 | $35.3M | $28.5M | ||
| Q4 24 | $35.2M | $82.6M | ||
| Q3 24 | $31.8M | $108.4M | ||
| Q2 24 | $30.7M | $46.7M |
净利润FSBCVIRC
| Q1 26 | $18.6M | — | ||
| Q4 25 | $17.6M | $-1.3M | ||
| Q3 25 | $16.3M | $10.2M | ||
| Q2 25 | $14.5M | $732.0K | ||
| Q1 25 | $13.1M | $-5.7M | ||
| Q4 24 | $13.3M | $8.4M | ||
| Q3 24 | $10.9M | $16.8M | ||
| Q2 24 | $10.8M | $2.1M |
毛利率FSBCVIRC
| Q1 26 | — | — | ||
| Q4 25 | — | 38.0% | ||
| Q3 25 | — | 44.4% | ||
| Q2 25 | — | 47.5% | ||
| Q1 25 | — | 26.2% | ||
| Q4 24 | — | 44.4% | ||
| Q3 24 | — | 46.3% | ||
| Q2 24 | — | 43.5% |
营业利润率FSBCVIRC
| Q1 26 | — | — | ||
| Q4 25 | 52.9% | -3.6% | ||
| Q3 25 | 53.8% | 16.7% | ||
| Q2 25 | 52.4% | -0.3% | ||
| Q1 25 | 52.0% | -28.5% | ||
| Q4 24 | 55.1% | 13.5% | ||
| Q3 24 | 48.0% | 20.2% | ||
| Q2 24 | 49.4% | 6.4% |
净利率FSBCVIRC
| Q1 26 | 41.3% | — | ||
| Q4 25 | 40.6% | -2.8% | ||
| Q3 25 | 39.6% | 11.1% | ||
| Q2 25 | 37.9% | 2.2% | ||
| Q1 25 | 37.1% | -20.1% | ||
| Q4 24 | 37.9% | 10.2% | ||
| Q3 24 | 34.4% | 15.5% | ||
| Q2 24 | 35.2% | 4.6% |
每股收益（稀释后）FSBCVIRC
| Q1 26 | $0.87 | — | ||
| Q4 25 | $0.83 | $-0.08 | ||
| Q3 25 | $0.77 | $0.65 | ||
| Q2 25 | $0.68 | $0.05 | ||
| Q1 25 | $0.62 | $-0.37 | ||
| Q4 24 | $0.61 | $0.52 | ||
| Q3 24 | $0.52 | $1.04 | ||
| Q2 24 | $0.51 | $0.13 |
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 | — |
| 总债务越低越好 | — | $3.9M |
| 股东权益账面价值 | $458.5M | $113.6M |
| 总资产 | $5.0B | $181.5M |
| 负债/权益比越低杠杆越低 | — | 0.03× |
8季度趋势，按日历期对齐
现金及短期投资FSBCVIRC
| Q1 26 | $644.4M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
总债务FSBCVIRC
| Q1 26 | — | — | ||
| Q4 25 | — | $3.9M | ||
| Q3 25 | — | $4.0M | ||
| Q2 25 | — | $4.1M | ||
| Q1 25 | — | $4.1M | ||
| Q4 24 | — | $4.2M | ||
| Q3 24 | — | $4.3M | ||
| Q2 24 | — | $7.0M |
股东权益FSBCVIRC
| Q1 26 | $458.5M | — | ||
| Q4 25 | $445.8M | $113.6M | ||
| Q3 25 | $431.3M | $115.4M | ||
| Q2 25 | $416.7M | $105.6M | ||
| Q1 25 | $406.5M | $109.3M | ||
| Q4 24 | $396.6M | $115.9M | ||
| Q3 24 | $389.9M | $107.8M | ||
| Q2 24 | $380.5M | $91.6M |
总资产FSBCVIRC
| Q1 26 | $5.0B | — | ||
| Q4 25 | $4.8B | $181.5M | ||
| Q3 25 | $4.6B | $198.6M | ||
| Q2 25 | $4.4B | $183.8M | ||
| Q1 25 | $4.2B | $191.9M | ||
| Q4 24 | $4.1B | $210.1M | ||
| Q3 24 | $3.9B | $216.3M | ||
| Q2 24 | $3.6B | $152.5M |
负债/权益比FSBCVIRC
| Q1 26 | — | — | ||
| Q4 25 | — | 0.03× | ||
| Q3 25 | — | 0.03× | ||
| Q2 25 | — | 0.04× | ||
| Q1 25 | — | 0.04× | ||
| Q4 24 | — | 0.04× | ||
| Q3 24 | — | 0.04× | ||
| Q2 24 | — | 0.08× |
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 | — | $25.8M |
| 自由现金流经营现金流 - 资本支出 | — | $24.5M |
| 自由现金流率自由现金流/营收 | — | 51.5% |
| 资本支出强度资本支出/营收 | — | 2.7% |
| 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 | — | $-4.3M |
8季度趋势，按日历期对齐
经营现金流FSBCVIRC
| Q1 26 | — | — | ||
| Q4 25 | $72.6M | $25.8M | ||
| Q3 25 | $18.8M | $3.2M | ||
| Q2 25 | $17.8M | $-19.0M | ||
| Q1 25 | $15.5M | $-8.3M | ||
| Q4 24 | $51.8M | $33.5M | ||
| Q3 24 | $17.5M | $12.5M | ||
| Q2 24 | $16.0M | $-4.5M |
自由现金流FSBCVIRC
| Q1 26 | — | — | ||
| Q4 25 | $71.4M | $24.5M | ||
| Q3 25 | $18.6M | $1.8M | ||
| Q2 25 | $17.5M | $-21.5M | ||
| Q1 25 | $15.4M | $-9.2M | ||
| Q4 24 | $51.2M | $31.0M | ||
| Q3 24 | $17.3M | $10.7M | ||
| Q2 24 | $15.8M | $-5.6M |
自由现金流率FSBCVIRC
| Q1 26 | — | — | ||
| Q4 25 | 164.3% | 51.5% | ||
| Q3 25 | 45.0% | 2.0% | ||
| Q2 25 | 45.8% | -63.6% | ||
| Q1 25 | 43.5% | -32.4% | ||
| Q4 24 | 145.5% | 37.5% | ||
| Q3 24 | 54.5% | 9.8% | ||
| Q2 24 | 51.6% | -12.0% |
资本支出强度FSBCVIRC
| Q1 26 | — | — | ||
| Q4 25 | 2.8% | 2.7% | ||
| Q3 25 | 0.5% | 1.5% | ||
| Q2 25 | 0.6% | 7.2% | ||
| Q1 25 | 0.3% | 3.3% | ||
| Q4 24 | 1.8% | 3.0% | ||
| Q3 24 | 0.7% | 1.7% | ||
| Q2 24 | 0.7% | 2.3% |
现金转化率FSBCVIRC
| Q1 26 | — | — | ||
| Q4 25 | 4.12× | — | ||
| Q3 25 | 1.15× | 0.31× | ||
| Q2 25 | 1.23× | -26.00× | ||
| Q1 25 | 1.18× | — | ||
| Q4 24 | 3.89× | 3.98× | ||
| Q3 24 | 1.60× | 0.74× | ||
| Q2 24 | 1.49× | -2.11× |
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% |
VIRC
暂无分部数据
