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FIRST US BANCSHARES, INC.（FUSB）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FIRST US BANCSHARES, INC.的1.1倍（$11.8M vs $10.4M），FIRST US BANCSHARES, INC.净利率更高（20.4% vs -52.9%，领先73.4%），FIRST US BANCSHARES, INC.同比增速更快（7.1% vs -22.6%），Pathfinder Bancorp, Inc.自由现金流更多（$10.4M vs $9.1M），过去两年Pathfinder Bancorp, Inc.的营收复合增速更高（3.0% vs 2.6%）
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。
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。
FUSB vs PBHC — 直观对比
营收规模更大
PBHC
是对方的1.1倍
$10.4M
营收增速更快
FUSB
高出29.7%
-22.6%
净利率更高
FUSB
高出73.4%
-52.9%
自由现金流更多
PBHC
多$1.3M
$9.1M
两年增速更快
PBHC
近两年复合增速
2.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $10.4M | $11.8M |
| 净利润 | $2.1M | $-5.6M |
| 毛利率 | — | — |
| 营业利润率 | 28.1% | -81.1% |
| 净利率 | 20.4% | -52.9% |
| 营收同比 | 7.1% | -22.6% |
| 净利润同比 | 24.2% | -242.4% |
| 每股收益（稀释后） | $0.36 | — |
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FUSBPBHC
| Q4 25 | $10.4M | $11.8M | ||
| Q3 25 | $10.5M | $13.1M | ||
| Q2 25 | $10.3M | $9.3M | ||
| Q1 25 | $9.8M | $12.6M | ||
| Q4 24 | $9.7M | $15.3M | ||
| Q3 24 | $10.1M | $13.4M | ||
| Q2 24 | $10.0M | $10.7M | ||
| Q1 24 | $9.9M | $11.1M |
净利润FUSBPBHC
| Q4 25 | $2.1M | $-5.6M | ||
| Q3 25 | $1.9M | $626.0K | ||
| Q2 25 | $155.0K | $31.0K | ||
| Q1 25 | $1.8M | $3.0M | ||
| Q4 24 | $1.7M | $3.9M | ||
| Q3 24 | $2.2M | $-4.6M | ||
| Q2 24 | $2.1M | $2.0M | ||
| Q1 24 | $2.1M | $2.1M |
营业利润率FUSBPBHC
| Q4 25 | 28.1% | -81.1% | ||
| Q3 25 | 23.9% | 5.1% | ||
| Q2 25 | 1.6% | 0.4% | ||
| Q1 25 | 23.8% | 29.5% | ||
| Q4 24 | 23.8% | 55.4% | ||
| Q3 24 | 29.2% | -43.1% | ||
| Q2 24 | 27.4% | 23.3% | ||
| Q1 24 | 27.8% | 24.3% |
净利率FUSBPBHC
| Q4 25 | 20.4% | -52.9% | ||
| Q3 25 | 18.4% | 4.8% | ||
| Q2 25 | 1.5% | 0.3% | ||
| Q1 25 | 18.1% | 23.6% | ||
| Q4 24 | 17.6% | 37.7% | ||
| Q3 24 | 22.0% | -34.6% | ||
| Q2 24 | 21.2% | 18.7% | ||
| Q1 24 | 21.3% | 19.0% |
每股收益（稀释后）FUSBPBHC
| Q4 25 | $0.36 | — | ||
| Q3 25 | $0.32 | $0.47 | ||
| Q2 25 | $0.03 | $0.47 | ||
| Q1 25 | $0.29 | — | ||
| Q4 24 | $0.29 | — | ||
| Q3 24 | $0.36 | $0.41 | ||
| Q2 24 | $0.34 | $0.41 | ||
| Q1 24 | $0.34 | — |
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 | — |
| 总债务越低越好 | $10.9M | $14.1M |
| 股东权益账面价值 | $105.6M | $122.5M |
| 总资产 | $1.2B | $1.4B |
| 负债/权益比越低杠杆越低 | 0.10× | 0.11× |
8季度趋势，按日历期对齐
现金及短期投资FUSBPBHC
| Q4 25 | $73.5M | — | ||
| Q3 25 | $54.7M | — | ||
| Q2 25 | $54.0M | — | ||
| Q1 25 | $56.0M | — | ||
| Q4 24 | $47.2M | — | ||
| Q3 24 | $82.3M | — | ||
| Q2 24 | $58.2M | — | ||
| Q1 24 | $60.2M | — |
总债务FUSBPBHC
| Q4 25 | $10.9M | $14.1M | ||
| Q3 25 | $10.9M | $18.7M | ||
| Q2 25 | $10.9M | $21.0M | ||
| Q1 25 | $10.9M | $17.6M | ||
| Q4 24 | $10.9M | $27.1M | ||
| Q3 24 | $10.9M | $39.8M | ||
| Q2 24 | $10.8M | $45.9M | ||
| Q1 24 | $10.8M | $45.9M |
股东权益FUSBPBHC
| Q4 25 | $105.6M | $122.5M | ||
| Q3 25 | $104.2M | $126.3M | ||
| Q2 25 | $101.9M | $124.4M | ||
| Q1 25 | $101.2M | $124.9M | ||
| Q4 24 | $98.6M | $121.5M | ||
| Q3 24 | $98.5M | $120.2M | ||
| Q2 24 | $93.8M | $123.3M | ||
| Q1 24 | $92.3M | $121.8M |
总资产FUSBPBHC
| Q4 25 | $1.2B | $1.4B | ||
| Q3 25 | $1.1B | $1.5B | ||
| Q2 25 | $1.1B | $1.5B | ||
| Q1 25 | $1.1B | $1.5B | ||
| Q4 24 | $1.1B | $1.5B | ||
| Q3 24 | $1.1B | $1.5B | ||
| Q2 24 | $1.1B | $1.4B | ||
| Q1 24 | $1.1B | $1.5B |
负债/权益比FUSBPBHC
| Q4 25 | 0.10× | 0.11× | ||
| Q3 25 | 0.10× | 0.15× | ||
| Q2 25 | 0.11× | 0.17× | ||
| Q1 25 | 0.11× | 0.14× | ||
| Q4 24 | 0.11× | 0.22× | ||
| Q3 24 | 0.11× | 0.33× | ||
| Q2 24 | 0.12× | 0.37× | ||
| Q1 24 | 0.12× | 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 | $12.3M | $11.7M |
| 自由现金流经营现金流 - 资本支出 | $9.1M | $10.4M |
| 自由现金流率自由现金流/营收 | 87.2% | 88.1% |
| 资本支出强度资本支出/营收 | 31.1% | 10.7% |
| 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 | $18.4M |
8季度趋势，按日历期对齐
经营现金流FUSBPBHC
| Q4 25 | $12.3M | $11.7M | ||
| Q3 25 | $4.2M | $7.0M | ||
| Q2 25 | $3.9M | $-3.7M | ||
| Q1 25 | $1.8M | $5.7M | ||
| Q4 24 | $7.8M | $11.2M | ||
| Q3 24 | $1.9M | $11.8M | ||
| Q2 24 | $2.5M | $1.5M | ||
| Q1 24 | $825.0K | $504.0K |
自由现金流FUSBPBHC
| Q4 25 | $9.1M | $10.4M | ||
| Q3 25 | $3.6M | $6.9M | ||
| Q2 25 | $1.6M | $-4.0M | ||
| Q1 25 | $1.7M | $5.1M | ||
| Q4 24 | $5.7M | $9.1M | ||
| Q3 24 | $1.3M | $11.3M | ||
| Q2 24 | $2.3M | $637.0K | ||
| Q1 24 | $-142.0K | $274.0K |
自由现金流率FUSBPBHC
| Q4 25 | 87.2% | 88.1% | ||
| Q3 25 | 34.2% | 52.8% | ||
| Q2 25 | 16.0% | -42.6% | ||
| Q1 25 | 17.2% | 40.1% | ||
| Q4 24 | 58.2% | 59.9% | ||
| Q3 24 | 12.7% | 84.3% | ||
| Q2 24 | 23.5% | 6.0% | ||
| Q1 24 | -1.4% | 2.5% |
资本支出强度FUSBPBHC
| Q4 25 | 31.1% | 10.7% | ||
| Q3 25 | 5.9% | 1.0% | ||
| Q2 25 | 21.8% | 2.4% | ||
| Q1 25 | 0.7% | 5.1% | ||
| Q4 24 | 21.6% | 13.5% | ||
| Q3 24 | 6.6% | 3.8% | ||
| Q2 24 | 2.0% | 8.2% | ||
| Q1 24 | 9.8% | 2.1% |
现金转化率FUSBPBHC
| Q4 25 | 5.79× | — | ||
| Q3 25 | 2.18× | 11.26× | ||
| Q2 25 | 25.16× | -120.55× | ||
| Q1 25 | 0.99× | 1.92× | ||
| Q4 24 | 4.53× | 2.87× | ||
| Q3 24 | 0.87× | — | ||
| Q2 24 | 1.20× | 0.76× | ||
| Q1 24 | 0.39× | 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
FUSB
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% |
