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FIRST US BANCSHARES, INC.（FUSB）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
Ispire Technology Inc.的季度营收约是FIRST US BANCSHARES, INC.的1.9倍（$20.3M vs $10.4M），FIRST US BANCSHARES, INC.净利率更高（20.4% vs -32.5%，领先53.0%），FIRST US BANCSHARES, INC.同比增速更快（7.1% vs -51.5%），FIRST US BANCSHARES, INC.自由现金流更多（$9.1M vs $-4.0M），过去两年FIRST US BANCSHARES, INC.的营收复合增速更高（2.6% vs -17.8%）
第一美国银行控股公司是一家银行控股企业，核心子公司第一公民银行在美国23个州经营着超过500家网点，另一家子公司硅谷银行则在15个州设有39个办事处，是美国规模较大的银行机构之一，总部位于北卡罗来纳州罗利。
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。
FUSB vs ISPR — 直观对比
营收规模更大
ISPR
是对方的1.9倍
$10.4M
营收增速更快
FUSB
高出58.6%
-51.5%
净利率更高
FUSB
高出53.0%
-32.5%
自由现金流更多
FUSB
多$13.1M
$-4.0M
两年增速更快
FUSB
近两年复合增速
-17.8%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $10.4M | $20.3M |
| 净利润 | $2.1M | $-6.6M |
| 毛利率 | — | 17.1% |
| 营业利润率 | 28.1% | -33.9% |
| 净利率 | 20.4% | -32.5% |
| 营收同比 | 7.1% | -51.5% |
| 净利润同比 | 24.2% | 17.4% |
| 每股收益（稀释后） | $0.36 | $-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FUSBISPR
| Q4 25 | $10.4M | $20.3M | ||
| Q3 25 | $10.5M | $30.4M | ||
| Q2 25 | $10.3M | $20.1M | ||
| Q1 25 | $9.8M | $26.2M | ||
| Q4 24 | $9.7M | $41.8M | ||
| Q3 24 | $10.1M | $39.3M | ||
| Q2 24 | $10.0M | $37.3M | ||
| Q1 24 | $9.9M | $30.0M |
净利润FUSBISPR
| Q4 25 | $2.1M | $-6.6M | ||
| Q3 25 | $1.9M | $-3.3M | ||
| Q2 25 | $155.0K | $-14.8M | ||
| Q1 25 | $1.8M | $-10.9M | ||
| Q4 24 | $1.7M | $-8.0M | ||
| Q3 24 | $2.2M | $-5.6M | ||
| Q2 24 | $2.1M | $-3.5M | ||
| Q1 24 | $2.1M | $-5.9M |
毛利率FUSBISPR
| 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FUSBISPR
| Q4 25 | 28.1% | -33.9% | ||
| Q3 25 | 23.9% | -8.9% | ||
| Q2 25 | 1.6% | -72.7% | ||
| Q1 25 | 23.8% | -40.4% | ||
| Q4 24 | 23.8% | -17.6% | ||
| Q3 24 | 29.2% | -13.4% | ||
| Q2 24 | 27.4% | -9.2% | ||
| Q1 24 | 27.8% | -18.8% |
净利率FUSBISPR
| Q4 25 | 20.4% | -32.5% | ||
| Q3 25 | 18.4% | -10.7% | ||
| Q2 25 | 1.5% | -73.4% | ||
| Q1 25 | 18.1% | -41.5% | ||
| Q4 24 | 17.6% | -19.1% | ||
| Q3 24 | 22.0% | -14.2% | ||
| Q2 24 | 21.2% | -9.4% | ||
| Q1 24 | 21.3% | -19.7% |
每股收益（稀释后）FUSBISPR
| Q4 25 | $0.36 | $-0.12 | ||
| Q3 25 | $0.32 | $-0.06 | ||
| Q2 25 | $0.03 | $-0.26 | ||
| Q1 25 | $0.29 | $-0.19 | ||
| Q4 24 | $0.29 | $-0.14 | ||
| Q3 24 | $0.36 | $-0.10 | ||
| Q2 24 | $0.34 | $-0.07 | ||
| Q1 24 | $0.34 | $-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 | $73.5M | $17.6M |
| 总债务越低越好 | $10.9M | — |
| 股东权益账面价值 | $105.6M | $-7.7M |
| 总资产 | $1.2B | $84.4M |
| 负债/权益比越低杠杆越低 | 0.10× | — |
8季度趋势，按日历期对齐
现金及短期投资FUSBISPR
| Q4 25 | $73.5M | $17.6M | ||
| Q3 25 | $54.7M | $22.7M | ||
| Q2 25 | $54.0M | $24.4M | ||
| Q1 25 | $56.0M | $23.5M | ||
| Q4 24 | $47.2M | $34.4M | ||
| Q3 24 | $82.3M | $37.7M | ||
| Q2 24 | $58.2M | $35.1M | ||
| Q1 24 | $60.2M | $39.5M |
总债务FUSBISPR
| Q4 25 | $10.9M | — | ||
| Q3 25 | $10.9M | — | ||
| Q2 25 | $10.9M | — | ||
| Q1 25 | $10.9M | — | ||
| Q4 24 | $10.9M | — | ||
| Q3 24 | $10.9M | — | ||
| Q2 24 | $10.8M | — | ||
| Q1 24 | $10.8M | — |
股东权益FUSBISPR
| Q4 25 | $105.6M | $-7.7M | ||
| Q3 25 | $104.2M | $-1.8M | ||
| Q2 25 | $101.9M | $604.7K | ||
| Q1 25 | $101.2M | $14.8M | ||
| Q4 24 | $98.6M | $24.2M | ||
| Q3 24 | $98.5M | $30.7M | ||
| Q2 24 | $93.8M | $34.5M | ||
| Q1 24 | $92.3M | $35.9M |
总资产FUSBISPR
| Q4 25 | $1.2B | $84.4M | ||
| Q3 25 | $1.1B | $96.4M | ||
| Q2 25 | $1.1B | $102.2M | ||
| Q1 25 | $1.1B | $115.7M | ||
| Q4 24 | $1.1B | $132.0M | ||
| Q3 24 | $1.1B | $129.0M | ||
| Q2 24 | $1.1B | $122.6M | ||
| Q1 24 | $1.1B | $108.0M |
负债/权益比FUSBISPR
| Q4 25 | 0.10× | — | ||
| Q3 25 | 0.10× | — | ||
| Q2 25 | 0.11× | — | ||
| Q1 25 | 0.11× | — | ||
| Q4 24 | 0.11× | — | ||
| Q3 24 | 0.11× | — | ||
| Q2 24 | 0.12× | — | ||
| Q1 24 | 0.12× | — |
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 | $12.3M | $-4.0M |
| 自由现金流经营现金流 - 资本支出 | $9.1M | $-4.0M |
| 自由现金流率自由现金流/营收 | 87.2% | -19.9% |
| 资本支出强度资本支出/营收 | 31.1% | 0.3% |
| 现金转化率经营现金流/净利润 | 5.79× | — |
| 过去12个月自由现金流最近4个季度 | $16.0M | $-14.2M |
8季度趋势，按日历期对齐
经营现金流FUSBISPR
| Q4 25 | $12.3M | $-4.0M | ||
| Q3 25 | $4.2M | $-1.2M | ||
| Q2 25 | $3.9M | $4.7M | ||
| Q1 25 | $1.8M | $-12.5M | ||
| Q4 24 | $7.8M | $-3.2M | ||
| Q3 24 | $1.9M | $3.6M | ||
| Q2 24 | $2.5M | $-1.4M | ||
| Q1 24 | $825.0K | $3.4M |
自由现金流FUSBISPR
| Q4 25 | $9.1M | $-4.0M | ||
| Q3 25 | $3.6M | $-1.2M | ||
| Q2 25 | $1.6M | $3.7M | ||
| Q1 25 | $1.7M | $-12.7M | ||
| Q4 24 | $5.7M | $-3.2M | ||
| Q3 24 | $1.3M | $3.3M | ||
| Q2 24 | $2.3M | $-2.2M | ||
| Q1 24 | $-142.0K | $3.3M |
自由现金流率FUSBISPR
| Q4 25 | 87.2% | -19.9% | ||
| Q3 25 | 34.2% | -3.9% | ||
| Q2 25 | 16.0% | 18.6% | ||
| Q1 25 | 17.2% | -48.4% | ||
| Q4 24 | 58.2% | -7.7% | ||
| Q3 24 | 12.7% | 8.5% | ||
| Q2 24 | 23.5% | -5.9% | ||
| Q1 24 | -1.4% | 10.9% |
资本支出强度FUSBISPR
| Q4 25 | 31.1% | 0.3% | ||
| Q3 25 | 5.9% | 0.0% | ||
| Q2 25 | 21.8% | 4.8% | ||
| Q1 25 | 0.7% | 0.7% | ||
| Q4 24 | 21.6% | 0.1% | ||
| Q3 24 | 6.6% | 0.7% | ||
| Q2 24 | 2.0% | 2.0% | ||
| Q1 24 | 9.8% | 0.3% |
现金转化率FUSBISPR
| Q4 25 | 5.79× | — | ||
| Q3 25 | 2.18× | — | ||
| Q2 25 | 25.16× | — | ||
| Q1 25 | 0.99× | — | ||
| Q4 24 | 4.53× | — | ||
| Q3 24 | 0.87× | — | ||
| Q2 24 | 1.20× | — | ||
| Q1 24 | 0.39× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
