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FLEXIBLE SOLUTIONS INTERNATIONAL INC（FSI）与Pathfinder Bancorp, Inc.（PBHC）财务数据对比。点击上方公司名可切换其他公司
Pathfinder Bancorp, Inc.的季度营收约是FLEXIBLE SOLUTIONS INTERNATIONAL INC的1.3倍（$11.8M vs $9.1M），FLEXIBLE SOLUTIONS INTERNATIONAL INC净利率更高（-5.1% vs -52.9%，领先47.9%），FLEXIBLE SOLUTIONS INTERNATIONAL INC同比增速更快（-0.5% vs -22.6%），Pathfinder Bancorp, Inc.自由现金流更多（$10.4M vs $-4.0M），过去两年Pathfinder Bancorp, Inc.的营收复合增速更高（3.0% vs -0.6%）
Flexible Solutions International Inc是一家专注研发生产特种化学品的企业，核心产品包括水体蒸发抑制剂、农作物增产助剂、泳池保温剂等，服务北美及全球农业、水务领域客户。
Pathfinder Bancorp, Inc.是美国区域性银行控股公司，旗下运营探路者银行，服务纽约州中部市场，为个人消费者及中小企业提供存款账户、住房抵押贷款、商业贷款、财富管理等各类金融服务。
FSI vs PBHC — 直观对比
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $9.1M | $11.8M |
| 净利润 | $-460.9K | $-5.6M |
| 毛利率 | 29.4% | — |
| 营业利润率 | 11.6% | -81.1% |
| 净利率 | -5.1% | -52.9% |
| 营收同比 | -0.5% | -22.6% |
| 净利润同比 | -167.8% | -242.4% |
| 每股收益（稀释后） | $-0.03 | — |
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
| Q4 25 | $9.1M | $11.8M | ||
| Q3 25 | $10.6M | $13.1M | ||
| Q2 25 | $11.4M | $9.3M | ||
| Q1 25 | $7.5M | $12.6M | ||
| Q4 24 | $9.2M | $15.3M | ||
| Q3 24 | $9.3M | $13.4M | ||
| Q2 24 | $10.5M | $10.7M | ||
| Q1 24 | $9.2M | $11.1M |
| Q4 25 | $-460.9K | $-5.6M | ||
| Q3 25 | $-503.4K | $626.0K | ||
| Q2 25 | $2.0M | $31.0K | ||
| Q1 25 | $-277.7K | $3.0M | ||
| Q4 24 | $679.6K | $3.9M | ||
| Q3 24 | $611.9K | $-4.6M | ||
| Q2 24 | $1.3M | $2.0M | ||
| Q1 24 | $457.2K | $2.1M |
| Q4 25 | 29.4% | — | ||
| Q3 25 | 23.9% | — | ||
| Q2 25 | 47.4% | — | ||
| Q1 25 | 26.1% | — | ||
| Q4 24 | 29.2% | — | ||
| Q3 24 | 40.9% | — | ||
| Q2 24 | 37.4% | — | ||
| Q1 24 | 30.6% | — |
| Q4 25 | 11.6% | -81.1% | ||
| Q3 25 | 2.9% | 5.1% | ||
| Q2 25 | 29.0% | 0.4% | ||
| Q1 25 | -0.9% | 29.5% | ||
| Q4 24 | 9.4% | 55.4% | ||
| Q3 24 | 20.5% | -43.1% | ||
| Q2 24 | 18.7% | 23.3% | ||
| Q1 24 | 8.3% | 24.3% |
| Q4 25 | -5.1% | -52.9% | ||
| Q3 25 | -4.8% | 4.8% | ||
| Q2 25 | 17.8% | 0.3% | ||
| Q1 25 | -3.7% | 23.6% | ||
| Q4 24 | 7.4% | 37.7% | ||
| Q3 24 | 6.6% | -34.6% | ||
| Q2 24 | 12.3% | 18.7% | ||
| Q1 24 | 5.0% | 19.0% |
| Q4 25 | $-0.03 | — | ||
| Q3 25 | $-0.04 | $0.47 | ||
| Q2 25 | $0.15 | $0.47 | ||
| Q1 25 | $-0.02 | — | ||
| Q4 24 | $0.05 | — | ||
| Q3 24 | $0.05 | $0.41 | ||
| Q2 24 | $0.10 | $0.41 | ||
| Q1 24 | $0.04 | — |
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 | — | — |
| 总债务越低越好 | $4.4M | $14.1M |
| 股东权益账面价值 | $38.9M | $122.5M |
| 总资产 | $61.8M | $1.4B |
| 负债/权益比越低杠杆越低 | 0.11× | 0.11× |
8季度趋势，按日历期对齐
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | $10.0M | — | ||
| Q1 25 | $11.0M | — | ||
| Q4 24 | $10.0M | — | ||
| Q3 24 | $13.0M | — | ||
| Q2 24 | $9.2M | — | ||
| Q1 24 | $8.3M | — |
| Q4 25 | $4.4M | $14.1M | ||
| Q3 25 | $7.1M | $18.7M | ||
| Q2 25 | $7.5M | $21.0M | ||
| Q1 25 | $8.1M | $17.6M | ||
| Q4 24 | $8.8M | $27.1M | ||
| Q3 24 | $9.4M | $39.8M | ||
| Q2 24 | $8.3M | $45.9M | ||
| Q1 24 | $8.0M | $45.9M |
| Q4 25 | $38.9M | $122.5M | ||
| Q3 25 | $39.0M | $126.3M | ||
| Q2 25 | $39.4M | $124.4M | ||
| Q1 25 | $38.4M | $124.9M | ||
| Q4 24 | $38.0M | $121.5M | ||
| Q3 24 | $36.9M | $120.2M | ||
| Q2 24 | $36.2M | $123.3M | ||
| Q1 24 | $36.0M | $121.8M |
| Q4 25 | $61.8M | $1.4B | ||
| Q3 25 | $58.4M | $1.5B | ||
| Q2 25 | $58.2M | $1.5B | ||
| Q1 25 | $61.7M | $1.5B | ||
| Q4 24 | $60.0M | $1.5B | ||
| Q3 24 | $57.8M | $1.5B | ||
| Q2 24 | $56.3M | $1.4B | ||
| Q1 24 | $57.6M | $1.5B |
| Q4 25 | 0.11× | 0.11× | ||
| Q3 25 | 0.18× | 0.15× | ||
| Q2 25 | 0.19× | 0.17× | ||
| Q1 25 | 0.21× | 0.14× | ||
| Q4 24 | 0.23× | 0.22× | ||
| Q3 24 | 0.25× | 0.33× | ||
| Q2 24 | 0.23× | 0.37× | ||
| Q1 24 | 0.22× | 0.38× |
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 | $-3.0M | $11.7M |
| 自由现金流经营现金流 - 资本支出 | $-4.0M | $10.4M |
| 自由现金流率自由现金流/营收 | -44.3% | 88.1% |
| 资本支出强度资本支出/营收 | 11.7% | 10.7% |
| 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 | $-591.7K | $18.4M |
8季度趋势，按日历期对齐
| Q4 25 | $-3.0M | $11.7M | ||
| Q3 25 | $2.0M | $7.0M | ||
| Q2 25 | $5.3M | $-3.7M | ||
| Q1 25 | $-544.3K | $5.7M | ||
| Q4 24 | $-2.2M | $11.2M | ||
| Q3 24 | $2.5M | $11.8M | ||
| Q2 24 | $5.9M | $1.5M | ||
| Q1 24 | $-604.8K | $504.0K |
| Q4 25 | $-4.0M | $10.4M | ||
| Q3 25 | $39.4K | $6.9M | ||
| Q2 25 | $4.3M | $-4.0M | ||
| Q1 25 | $-898.4K | $5.1M | ||
| Q4 24 | $-4.3M | $9.1M | ||
| Q3 24 | $1.3M | $11.3M | ||
| Q2 24 | $4.7M | $637.0K | ||
| Q1 24 | $-1.1M | $274.0K |
| Q4 25 | -44.3% | 88.1% | ||
| Q3 25 | 0.4% | 52.8% | ||
| Q2 25 | 37.9% | -42.6% | ||
| Q1 25 | -12.0% | 40.1% | ||
| Q4 24 | -47.0% | 59.9% | ||
| Q3 24 | 13.6% | 84.3% | ||
| Q2 24 | 44.9% | 6.0% | ||
| Q1 24 | -11.7% | 2.5% |
| Q4 25 | 11.7% | 10.7% | ||
| Q3 25 | 18.7% | 1.0% | ||
| Q2 25 | 8.6% | 2.4% | ||
| Q1 25 | 4.7% | 5.1% | ||
| Q4 24 | 22.8% | 13.5% | ||
| Q3 24 | 13.0% | 3.8% | ||
| Q2 24 | 11.3% | 8.2% | ||
| Q1 24 | 5.2% | 2.1% |
| Q4 25 | — | — | ||
| Q3 25 | — | 11.26× | ||
| Q2 25 | 2.60× | -120.55× | ||
| Q1 25 | — | 1.92× | ||
| Q4 24 | -3.27× | 2.87× | ||
| Q3 24 | 4.05× | — | ||
| Q2 24 | 4.59× | 0.76× | ||
| Q1 24 | -1.32× | 0.24× |
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
FSI
暂无分部数据
PBHC
| Other | $5.6M | 47% |
| Banking | $3.7M | 31% |
| Deposit Account | $1.5M | 13% |
| Financial Service Other | $1.0M | 9% |
