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FS Bancorp, Inc.（FSBW）与Ispire Technology Inc.（ISPR）财务数据对比。点击上方公司名可切换其他公司
FS Bancorp, Inc.的季度营收约是Ispire Technology Inc.的2.0倍（$40.0M vs $20.3M），FS Bancorp, Inc.同比增速更快（12.0% vs -51.5%），FS Bancorp, Inc.自由现金流更多（$51.9M vs $-4.0M），过去两年FS Bancorp, Inc.的营收复合增速更高（6.2% vs -17.8%）
FS Bancorp, Inc.是总部位于美国的银行控股公司，为华盛顿第一安全银行的母公司，主要面向美国太平洋西北地区客户提供各类个人及商业银行服务，包括存款产品、住房贷款、小微企业融资、建筑贷款等，核心业务涵盖零售银行、商业银行及住房信贷三大板块。
Ispire科技是一家专注于先进雾化硬件及配套耗材研发、生产与销售的全球化科技企业，主要服务尼古丁及合法大麻消费市场，下设硬件、品牌大麻产品两大核心业务板块，覆盖北美、欧洲、亚太等核心市场，为B端合作商及终端用户提供合规创新的雾化解决方案。
FSBW vs ISPR — 直观对比
营收规模更大
FSBW
是对方的2.0倍
$20.3M
营收增速更快
FSBW
高出63.5%
-51.5%
自由现金流更多
FSBW
多$56.0M
$-4.0M
两年增速更快
FSBW
近两年复合增速
-17.8%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $40.0M | $20.3M |
| 净利润 | — | $-6.6M |
| 毛利率 | — | 17.1% |
| 营业利润率 | 25.8% | -33.9% |
| 净利率 | — | -32.5% |
| 营收同比 | 12.0% | -51.5% |
| 净利润同比 | — | 17.4% |
| 每股收益（稀释后） | $1.11 | $-0.12 |
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FSBWISPR
| Q4 25 | $40.0M | $20.3M | ||
| Q3 25 | $39.3M | $30.4M | ||
| Q2 25 | $37.3M | $20.1M | ||
| Q1 25 | $36.1M | $26.2M | ||
| Q4 24 | $35.7M | $41.8M | ||
| Q3 24 | $37.2M | $39.3M | ||
| Q2 24 | $36.3M | $37.3M | ||
| Q1 24 | $35.5M | $30.0M |
净利润FSBWISPR
| Q4 25 | — | $-6.6M | ||
| Q3 25 | $9.2M | $-3.3M | ||
| Q2 25 | $7.7M | $-14.8M | ||
| Q1 25 | $8.0M | $-10.9M | ||
| Q4 24 | — | $-8.0M | ||
| Q3 24 | $10.3M | $-5.6M | ||
| Q2 24 | $9.0M | $-3.5M | ||
| Q1 24 | $8.4M | $-5.9M |
毛利率FSBWISPR
| Q4 25 | — | 17.1% | ||
| Q3 25 | — | 17.0% | ||
| Q2 25 | — | 12.3% | ||
| Q1 25 | — | 18.2% | ||
| Q4 24 | — | 18.5% | ||
| Q3 24 | — | 19.5% | ||
| Q2 24 | — | 28.3% | ||
| Q1 24 | — | 20.4% |
营业利润率FSBWISPR
| Q4 25 | 25.8% | -33.9% | ||
| Q3 25 | 29.5% | -8.9% | ||
| Q2 25 | 26.2% | -72.7% | ||
| Q1 25 | 26.2% | -40.4% | ||
| Q4 24 | 27.6% | -17.6% | ||
| Q3 24 | 26.5% | -13.4% | ||
| Q2 24 | 31.3% | -9.2% | ||
| Q1 24 | 29.7% | -18.8% |
净利率FSBWISPR
| Q4 25 | — | -32.5% | ||
| Q3 25 | 23.4% | -10.7% | ||
| Q2 25 | 20.7% | -73.4% | ||
| Q1 25 | 22.2% | -41.5% | ||
| Q4 24 | — | -19.1% | ||
| Q3 24 | 27.6% | -14.2% | ||
| Q2 24 | 24.7% | -9.4% | ||
| Q1 24 | 23.7% | -19.7% |
每股收益（稀释后）FSBWISPR
| Q4 25 | $1.11 | $-0.12 | ||
| Q3 25 | $1.18 | $-0.06 | ||
| Q2 25 | $0.99 | $-0.26 | ||
| Q1 25 | $1.01 | $-0.19 | ||
| Q4 24 | $0.88 | $-0.14 | ||
| Q3 24 | $1.29 | $-0.10 | ||
| Q2 24 | $1.13 | $-0.07 | ||
| Q1 24 | $1.06 | $-0.11 |
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 | $28.2M | $17.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $307.7M | $-7.7M |
| 总资产 | $3.2B | $84.4M |
| 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FSBWISPR
| Q4 25 | $28.2M | $17.6M | ||
| Q3 25 | $61.3M | $22.7M | ||
| Q2 25 | $33.2M | $24.4M | ||
| Q1 25 | $62.7M | $23.5M | ||
| Q4 24 | $31.6M | $34.4M | ||
| Q3 24 | $40.3M | $37.7M | ||
| Q2 24 | $33.0M | $35.1M | ||
| Q1 24 | $45.4M | $39.5M |
股东权益FSBWISPR
| Q4 25 | $307.7M | $-7.7M | ||
| Q3 25 | $300.5M | $-1.8M | ||
| Q2 25 | $297.2M | $604.7K | ||
| Q1 25 | $298.8M | $14.8M | ||
| Q4 24 | $295.8M | $24.2M | ||
| Q3 24 | $288.9M | $30.7M | ||
| Q2 24 | $284.0M | $34.5M | ||
| Q1 24 | $277.9M | $35.9M |
总资产FSBWISPR
| Q4 25 | $3.2B | $84.4M | ||
| Q3 25 | $3.2B | $96.4M | ||
| Q2 25 | $3.2B | $102.2M | ||
| Q1 25 | $3.1B | $115.7M | ||
| Q4 24 | $3.0B | $132.0M | ||
| Q3 24 | $3.0B | $129.0M | ||
| Q2 24 | $2.9B | $122.6M | ||
| Q1 24 | $3.0B | $108.0M |
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 | $72.3M | $-4.0M |
| 自由现金流经营现金流 - 资本支出 | $51.9M | $-4.0M |
| 自由现金流率自由现金流/营收 | 129.8% | -19.9% |
| 资本支出强度资本支出/营收 | 50.9% | 0.3% |
| 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 | $107.2M | $-14.2M |
8季度趋势，按日历期对齐
经营现金流FSBWISPR
| Q4 25 | $72.3M | $-4.0M | ||
| Q3 25 | $44.6M | $-1.2M | ||
| Q2 25 | $7.1M | $4.7M | ||
| Q1 25 | $8.2M | $-12.5M | ||
| Q4 24 | $50.8M | $-3.2M | ||
| Q3 24 | $-891.0K | $3.6M | ||
| Q2 24 | $9.9M | $-1.4M | ||
| Q1 24 | $275.0K | $3.4M |
自由现金流FSBWISPR
| Q4 25 | $51.9M | $-4.0M | ||
| Q3 25 | $41.6M | $-1.2M | ||
| Q2 25 | $5.9M | $3.7M | ||
| Q1 25 | $7.8M | $-12.7M | ||
| Q4 24 | $49.2M | $-3.2M | ||
| Q3 24 | $-1.5M | $3.3M | ||
| Q2 24 | $9.6M | $-2.2M | ||
| Q1 24 | $-82.0K | $3.3M |
自由现金流率FSBWISPR
| Q4 25 | 129.8% | -19.9% | ||
| Q3 25 | 105.9% | -3.9% | ||
| Q2 25 | 15.7% | 18.6% | ||
| Q1 25 | 21.7% | -48.4% | ||
| Q4 24 | 137.7% | -7.7% | ||
| Q3 24 | -4.1% | 8.5% | ||
| Q2 24 | 26.6% | -5.9% | ||
| Q1 24 | -0.2% | 10.9% |
资本支出强度FSBWISPR
| Q4 25 | 50.9% | 0.3% | ||
| Q3 25 | 7.7% | 0.0% | ||
| Q2 25 | 3.5% | 4.8% | ||
| Q1 25 | 1.0% | 0.7% | ||
| Q4 24 | 4.6% | 0.1% | ||
| Q3 24 | 1.7% | 0.7% | ||
| Q2 24 | 0.8% | 2.0% | ||
| Q1 24 | 1.0% | 0.3% |
现金转化率FSBWISPR
| Q4 25 | — | — | ||
| Q3 25 | 4.86× | — | ||
| Q2 25 | 0.92× | — | ||
| Q1 25 | 1.02× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | -0.09× | — | ||
| Q2 24 | 1.11× | — | ||
| Q1 24 | 0.03× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
