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FIRSTSUN CAPITAL BANCORP（FSUN）与H2O AMERICA（HTO）财务数据对比。点击上方公司名可切换其他公司
H2O AMERICA的季度营收约是FIRSTSUN CAPITAL BANCORP的1.8倍（$199.4M vs $110.0M），FIRSTSUN CAPITAL BANCORP净利率更高（19.6% vs 8.1%，领先11.5%），过去两年H2O AMERICA的营收复合增速更高（15.3% vs 6.9%）
FirstSun Capital Bancorp是一家总部位于美国的金融控股公司，提供商业及个人贷款、存款产品、财富管理、财资解决方案等全面的银行金融服务，主要面向美国区域市场的个人消费者、中小企业及企业客户。
H2O Wireless是美国的预付费移动通信服务商，依托AT&T网络运营，隶属于MVNO（移动虚拟网络运营商）Locus通信，自2019年起Locus成为Telrite控股的子公司，此前2010年起曾是KDDI美国旗下资产。该品牌主打无限制套餐服务，支持用户自带或购买无锁智能手机入网，AT&T合约机/锁网机也可兼容使用。
FSUN vs HTO — 直观对比
营收规模更大
HTO
是对方的1.8倍
$110.0M
净利率更高
FSUN
高出11.5%
8.1%
两年增速更快
HTO
近两年复合增速
6.9%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $110.0M | $199.4M |
| 净利润 | $21.6M | $16.2M |
| 毛利率 | — | — |
| 营业利润率 | — | 16.6% |
| 净利率 | 19.6% | 8.1% |
| 营收同比 | — | 1.5% |
| 净利润同比 | -8.4% | -29.2% |
| 每股收益（稀释后） | $0.76 | $0.45 |
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FSUNHTO
| Q1 26 | $110.0M | — | ||
| Q4 25 | $110.2M | $199.4M | ||
| Q3 25 | $107.3M | $243.5M | ||
| Q2 25 | $105.6M | $197.8M | ||
| Q1 25 | $96.2M | $164.9M | ||
| Q4 24 | $98.7M | $196.5M | ||
| Q3 24 | $98.2M | $216.7M | ||
| Q2 24 | $96.2M | $173.1M |
净利润FSUNHTO
| Q1 26 | $21.6M | — | ||
| Q4 25 | $24.8M | $16.2M | ||
| Q3 25 | $23.2M | $45.1M | ||
| Q2 25 | $26.4M | $24.7M | ||
| Q1 25 | $23.6M | $16.6M | ||
| Q4 24 | $16.4M | $22.9M | ||
| Q3 24 | $22.4M | $38.7M | ||
| Q2 24 | $24.6M | $20.7M |
营业利润率FSUNHTO
| Q1 26 | — | — | ||
| Q4 25 | 29.0% | 16.6% | ||
| Q3 25 | 26.4% | 26.5% | ||
| Q2 25 | 31.2% | 22.2% | ||
| Q1 25 | 30.9% | 21.8% | ||
| Q4 24 | 20.4% | 22.2% | ||
| Q3 24 | 29.1% | 26.9% | ||
| Q2 24 | 32.3% | 23.4% |
净利率FSUNHTO
| Q1 26 | 19.6% | — | ||
| Q4 25 | 22.5% | 8.1% | ||
| Q3 25 | 21.6% | 18.5% | ||
| Q2 25 | 25.0% | 12.5% | ||
| Q1 25 | 24.5% | 10.0% | ||
| Q4 24 | 16.6% | 11.7% | ||
| Q3 24 | 22.8% | 17.8% | ||
| Q2 24 | 25.5% | 12.0% |
每股收益（稀释后）FSUNHTO
| Q1 26 | $0.76 | — | ||
| Q4 25 | $0.89 | $0.45 | ||
| Q3 25 | $0.82 | $1.27 | ||
| Q2 25 | $0.93 | $0.71 | ||
| Q1 25 | $0.83 | $0.49 | ||
| Q4 24 | $0.57 | $0.70 | ||
| Q3 24 | $0.79 | $1.17 | ||
| Q2 24 | $0.88 | $0.64 |
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 | $413.7M | $20.7M |
| 总债务越低越好 | — | $1.9B |
| 股东权益账面价值 | $1.2B | $1.5B |
| 总资产 | $8.6B | $5.1B |
| 负债/权益比越低杠杆越低 | — | 1.23× |
8季度趋势，按日历期对齐
现金及短期投资FSUNHTO
| Q1 26 | $413.7M | — | ||
| Q4 25 | $652.6M | $20.7M | ||
| Q3 25 | $659.9M | $11.3M | ||
| Q2 25 | $785.1M | $19.8M | ||
| Q1 25 | $621.4M | $23.7M | ||
| Q4 24 | $615.9M | $11.1M | ||
| Q3 24 | $573.7M | $4.0M | ||
| Q2 24 | $535.8M | $22.8M |
总债务FSUNHTO
| Q1 26 | — | — | ||
| Q4 25 | — | $1.9B | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $1.7B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益FSUNHTO
| Q1 26 | $1.2B | — | ||
| Q4 25 | $1.2B | $1.5B | ||
| Q3 25 | $1.1B | $1.5B | ||
| Q2 25 | $1.1B | $1.5B | ||
| Q1 25 | $1.1B | $1.4B | ||
| Q4 24 | $1.0B | $1.4B | ||
| Q3 24 | $1.0B | $1.3B | ||
| Q2 24 | $996.6M | $1.3B |
总资产FSUNHTO
| Q1 26 | $8.6B | — | ||
| Q4 25 | $8.5B | $5.1B | ||
| Q3 25 | $8.5B | $5.0B | ||
| Q2 25 | $8.4B | $4.8B | ||
| Q1 25 | $8.2B | $4.7B | ||
| Q4 24 | $8.1B | $4.7B | ||
| Q3 24 | $8.1B | $4.6B | ||
| Q2 24 | $8.0B | $4.4B |
负债/权益比FSUNHTO
| Q1 26 | — | — | ||
| Q4 25 | — | 1.23× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.26× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | — | $63.5M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | 3.92× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流FSUNHTO
| Q1 26 | — | — | ||
| Q4 25 | $111.5M | $63.5M | ||
| Q3 25 | $49.4M | $77.3M | ||
| Q2 25 | $15.0M | $60.8M | ||
| Q1 25 | $26.4M | $43.2M | ||
| Q4 24 | $101.1M | $41.5M | ||
| Q3 24 | $48.1M | $53.5M | ||
| Q2 24 | $20.9M | $49.3M |
自由现金流FSUNHTO
| Q1 26 | — | — | ||
| Q4 25 | $104.0M | — | ||
| Q3 25 | $47.6M | — | ||
| Q2 25 | $13.0M | — | ||
| Q1 25 | $24.3M | — | ||
| Q4 24 | $95.7M | — | ||
| Q3 24 | $47.1M | — | ||
| Q2 24 | $19.9M | — |
自由现金流率FSUNHTO
| Q1 26 | — | — | ||
| Q4 25 | 94.3% | — | ||
| Q3 25 | 44.4% | — | ||
| Q2 25 | 12.3% | — | ||
| Q1 25 | 25.3% | — | ||
| Q4 24 | 97.0% | — | ||
| Q3 24 | 47.9% | — | ||
| Q2 24 | 20.6% | — |
资本支出强度FSUNHTO
| Q1 26 | — | — | ||
| Q4 25 | 6.8% | — | ||
| Q3 25 | 1.6% | — | ||
| Q2 25 | 1.9% | — | ||
| Q1 25 | 2.1% | — | ||
| Q4 24 | 5.5% | — | ||
| Q3 24 | 1.1% | — | ||
| Q2 24 | 1.1% | — |
现金转化率FSUNHTO
| Q1 26 | — | — | ||
| Q4 25 | 4.49× | 3.92× | ||
| Q3 25 | 2.13× | 1.71× | ||
| Q2 25 | 0.57× | 2.47× | ||
| Q1 25 | 1.12× | 2.61× | ||
| Q4 24 | 6.18× | 1.81× | ||
| Q3 24 | 2.15× | 1.39× | ||
| Q2 24 | 0.85× | 2.38× |
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
FSUN
| Net Interest Income | $82.8M | 75% |
| Noninterest Income | $27.2M | 25% |
HTO
| Water Utility Services | $191.0M | 96% |
| Other | $8.4M | 4% |
