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FIRST US BANCSHARES, INC.（FUSB）与Rocky Mountain Chocolate Factory, Inc.（RMCF）财务数据对比。点击上方公司名可切换其他公司
FIRST US BANCSHARES, INC.的季度营收约是Rocky Mountain Chocolate Factory, Inc.的1.4倍（$10.4M vs $7.5M），FIRST US BANCSHARES, INC.净利率更高（20.4% vs -2.1%，领先22.5%），FIRST US BANCSHARES, INC.同比增速更快（7.1% vs -4.4%），FIRST US BANCSHARES, INC.自由现金流更多（$9.1M vs $-1.3M），过去两年FIRST US BANCSHARES, INC.的营收复合增速更高（2.6% vs 1.9%）
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。
落基山巧克力厂是美国知名巧克力企业，同时开展国际特许经营业务，集糖果生产与零售运营于一体，总部位于美国科罗拉多州杜兰戈，除美国本土门店外，在巴拿马、菲律宾也设有经营网点。
FUSB vs RMCF — 直观对比
营收规模更大
FUSB
是对方的1.4倍
$7.5M
营收增速更快
FUSB
高出11.5%
-4.4%
净利率更高
FUSB
高出22.5%
-2.1%
自由现金流更多
FUSB
多$10.4M
$-1.3M
两年增速更快
FUSB
近两年复合增速
1.9%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $10.4M | $7.5M |
| 净利润 | $2.1M | $-155.0K |
| 毛利率 | — | 34.0% |
| 营业利润率 | 28.1% | 1.1% |
| 净利率 | 20.4% | -2.1% |
| 营收同比 | 7.1% | -4.4% |
| 净利润同比 | 24.2% | 81.7% |
| 每股收益（稀释后） | $0.36 | $-0.02 |
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FUSBRMCF
| Q4 25 | $10.4M | $7.5M | ||
| Q3 25 | $10.5M | $6.8M | ||
| Q2 25 | $10.3M | $6.4M | ||
| Q1 25 | $9.8M | $8.9M | ||
| Q4 24 | $9.7M | $7.9M | ||
| Q3 24 | $10.1M | $6.4M | ||
| Q2 24 | $10.0M | $6.4M | ||
| Q1 24 | $9.9M | $7.3M |
净利润FUSBRMCF
| Q4 25 | $2.1M | $-155.0K | ||
| Q3 25 | $1.9M | $-662.0K | ||
| Q2 25 | $155.0K | $-324.0K | ||
| Q1 25 | $1.8M | $-2.9M | ||
| Q4 24 | $1.7M | $-847.0K | ||
| Q3 24 | $2.2M | $-722.0K | ||
| Q2 24 | $2.1M | $-1.7M | ||
| Q1 24 | $2.1M | $-1.6M |
毛利率FUSBRMCF
| Q4 25 | — | 34.0% | ||
| Q3 25 | — | 23.6% | ||
| Q2 25 | — | 31.1% | ||
| Q1 25 | — | 10.8% | ||
| Q4 24 | — | 23.4% | ||
| Q3 24 | — | 31.8% | ||
| Q2 24 | — | 12.8% | ||
| Q1 24 | — | 24.3% |
营业利润率FUSBRMCF
| Q4 25 | 28.1% | 1.1% | ||
| Q3 25 | 23.9% | -7.0% | ||
| Q2 25 | 1.6% | -2.3% | ||
| Q1 25 | 23.8% | -30.3% | ||
| Q4 24 | 23.8% | -8.9% | ||
| Q3 24 | 29.2% | -14.3% | ||
| Q2 24 | 27.4% | -25.4% | ||
| Q1 24 | 27.8% | -21.7% |
净利率FUSBRMCF
| Q4 25 | 20.4% | -2.1% | ||
| Q3 25 | 18.4% | -9.7% | ||
| Q2 25 | 1.5% | -5.1% | ||
| Q1 25 | 18.1% | -32.5% | ||
| Q4 24 | 17.6% | -10.7% | ||
| Q3 24 | 22.0% | -11.3% | ||
| Q2 24 | 21.2% | -25.9% | ||
| Q1 24 | 21.3% | -21.9% |
每股收益（稀释后）FUSBRMCF
| Q4 25 | $0.36 | $-0.02 | ||
| Q3 25 | $0.32 | $-0.09 | ||
| Q2 25 | $0.03 | $-0.04 | ||
| Q1 25 | $0.29 | $-0.38 | ||
| Q4 24 | $0.29 | $-0.11 | ||
| Q3 24 | $0.36 | $-0.11 | ||
| Q2 24 | $0.34 | $-0.26 | ||
| Q1 24 | $0.34 | $-0.25 |
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 | $641.0K |
| 总债务越低越好 | $10.9M | — |
| 股东权益账面价值 | $105.6M | $6.0M |
| 总资产 | $1.2B | $20.7M |
| 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FUSBRMCF
| Q4 25 | $73.5M | $641.0K | ||
| Q3 25 | $54.7M | $2.0M | ||
| Q2 25 | $54.0M | $893.0K | ||
| Q1 25 | $56.0M | $720.0K | ||
| Q4 24 | $47.2M | $1.1M | ||
| Q3 24 | $82.3M | $973.0K | ||
| Q2 24 | $58.2M | $637.0K | ||
| Q1 24 | $60.2M | $2.1M |
总债务FUSBRMCF
| 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FUSBRMCF
| Q4 25 | $105.6M | $6.0M | ||
| Q3 25 | $104.2M | $6.1M | ||
| Q2 25 | $101.9M | $6.7M | ||
| Q1 25 | $101.2M | $7.0M | ||
| Q4 24 | $98.6M | $9.8M | ||
| Q3 24 | $98.5M | $10.5M | ||
| Q2 24 | $93.8M | $9.0M | ||
| Q1 24 | $92.3M | $10.6M |
总资产FUSBRMCF
| Q4 25 | $1.2B | $20.7M | ||
| Q3 25 | $1.1B | $22.3M | ||
| Q2 25 | $1.1B | $20.1M | ||
| Q1 25 | $1.1B | $21.2M | ||
| Q4 24 | $1.1B | $21.6M | ||
| Q3 24 | $1.1B | $21.1M | ||
| Q2 24 | $1.1B | $19.0M | ||
| Q1 24 | $1.1B | $20.6M |
负债/权益比FUSBRMCF
| 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 | $-1.2M |
| 自由现金流经营现金流 - 资本支出 | $9.1M | $-1.3M |
| 自由现金流率自由现金流/营收 | 87.2% | -16.9% |
| 资本支出强度资本支出/营收 | 31.1% | 0.5% |
| 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 | — |
8季度趋势，按日历期对齐
经营现金流FUSBRMCF
| Q4 25 | $12.3M | $-1.2M | ||
| Q3 25 | $4.2M | $-488.0K | ||
| Q2 25 | $3.9M | $350.0K | ||
| Q1 25 | $1.8M | $1.2M | ||
| Q4 24 | $7.8M | $-2.1M | ||
| Q3 24 | $1.9M | $-3.5M | ||
| Q2 24 | $2.5M | $-2.2M | ||
| Q1 24 | $825.0K | $129.0K |
自由现金流FUSBRMCF
| Q4 25 | $9.1M | $-1.3M | ||
| Q3 25 | $3.6M | $-544.0K | ||
| Q2 25 | $1.6M | $182.0K | ||
| Q1 25 | $1.7M | — | ||
| Q4 24 | $5.7M | — | ||
| Q3 24 | $1.3M | $-4.6M | ||
| Q2 24 | $2.3M | $-2.6M | ||
| Q1 24 | $-142.0K | $-352.3K |
自由现金流率FUSBRMCF
| Q4 25 | 87.2% | -16.9% | ||
| Q3 25 | 34.2% | -8.0% | ||
| Q2 25 | 16.0% | 2.9% | ||
| Q1 25 | 17.2% | — | ||
| Q4 24 | 58.2% | — | ||
| Q3 24 | 12.7% | -72.6% | ||
| Q2 24 | 23.5% | -40.2% | ||
| Q1 24 | -1.4% | -4.9% |
资本支出强度FUSBRMCF
| Q4 25 | 31.1% | 0.5% | ||
| Q3 25 | 5.9% | 0.8% | ||
| Q2 25 | 21.8% | 2.6% | ||
| Q1 25 | 0.7% | — | ||
| Q4 24 | 21.6% | — | ||
| Q3 24 | 6.6% | 17.5% | ||
| Q2 24 | 2.0% | 6.5% | ||
| Q1 24 | 9.8% | 6.6% |
现金转化率FUSBRMCF
| 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
业务分部营收拆解
FUSB
暂无分部数据
RMCF
| Manufacturing | $5.9M | 78% |
| Transferred At Point In Time | $1.2M | 16% |
| Other | $414.0K | 5% |
