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FIRST US BANCSHARES, INC.（FUSB）与SuperCom Ltd（SPCB）财务数据对比。点击上方公司名可切换其他公司
SuperCom Ltd的季度营收约是FIRST US BANCSHARES, INC.的1.4倍（$14.2M vs $10.4M），SuperCom Ltd净利率更高（37.5% vs 20.4%，领先17.1%），FIRST US BANCSHARES, INC.同比增速更快（7.1% vs -1.5%），FIRST US BANCSHARES, INC.自由现金流更多（$9.1M vs $-3.6M）
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。
Super.com是一家总部位于美国旧金山的科技公司，由侯赛因·法扎勒和施亨利联合创立。该公司主营金融服务业务，具体涵盖会员奖励计划以及旅行预订等相关服务，在出行与消费金融领域深耕发展。
FUSB vs SPCB — 直观对比
营收规模更大
SPCB
是对方的1.4倍
$10.4M
营收增速更快
FUSB
高出8.5%
-1.5%
净利率更高
SPCB
高出17.1%
20.4%
自由现金流更多
FUSB
多$12.7M
$-3.6M
损益表 — Q4 FY2025 vs Q2 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $10.4M | $14.2M |
| 净利润 | $2.1M | $5.3M |
| 毛利率 | — | 61.2% |
| 营业利润率 | 28.1% | 16.3% |
| 净利率 | 20.4% | 37.5% |
| 营收同比 | 7.1% | -1.5% |
| 净利润同比 | 24.2% | 79.5% |
| 每股收益（稀释后） | $0.36 | $1.32 |
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FUSBSPCB
| Q4 25 | $10.4M | — | ||
| Q3 25 | $10.5M | — | ||
| Q2 25 | $10.3M | $14.2M | ||
| Q1 25 | $9.8M | — | ||
| Q4 24 | $9.7M | — | ||
| Q3 24 | $10.1M | — | ||
| Q2 24 | $10.0M | $14.4M | ||
| Q1 24 | $9.9M | — |
净利润FUSBSPCB
| Q4 25 | $2.1M | — | ||
| Q3 25 | $1.9M | — | ||
| Q2 25 | $155.0K | $5.3M | ||
| Q1 25 | $1.8M | — | ||
| Q4 24 | $1.7M | — | ||
| Q3 24 | $2.2M | — | ||
| Q2 24 | $2.1M | $3.0M | ||
| Q1 24 | $2.1M | — |
毛利率FUSBSPCB
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 61.2% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 52.3% | ||
| Q1 24 | — | — |
营业利润率FUSBSPCB
| Q4 25 | 28.1% | — | ||
| Q3 25 | 23.9% | — | ||
| Q2 25 | 1.6% | 16.3% | ||
| Q1 25 | 23.8% | — | ||
| Q4 24 | 23.8% | — | ||
| Q3 24 | 29.2% | — | ||
| Q2 24 | 27.4% | 7.7% | ||
| Q1 24 | 27.8% | — |
净利率FUSBSPCB
| Q4 25 | 20.4% | — | ||
| Q3 25 | 18.4% | — | ||
| Q2 25 | 1.5% | 37.5% | ||
| Q1 25 | 18.1% | — | ||
| Q4 24 | 17.6% | — | ||
| Q3 24 | 22.0% | — | ||
| Q2 24 | 21.2% | 20.6% | ||
| Q1 24 | 21.3% | — |
每股收益（稀释后）FUSBSPCB
| Q4 25 | $0.36 | — | ||
| Q3 25 | $0.32 | — | ||
| Q2 25 | $0.03 | $1.32 | ||
| Q1 25 | $0.29 | — | ||
| Q4 24 | $0.29 | — | ||
| Q3 24 | $0.36 | — | ||
| Q2 24 | $0.34 | $1.19 | ||
| 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 | $15.0M |
| 总债务越低越好 | $10.9M | $23.6M |
| 股东权益账面价值 | $105.6M | $37.3M |
| 总资产 | $1.2B | $65.5M |
| 负债/权益比越低杠杆越低 | 0.10× | 0.63× |
8季度趋势，按日历期对齐
现金及短期投资FUSBSPCB
| Q4 25 | $73.5M | — | ||
| Q3 25 | $54.7M | — | ||
| Q2 25 | $54.0M | $15.0M | ||
| Q1 25 | $56.0M | — | ||
| Q4 24 | $47.2M | — | ||
| Q3 24 | $82.3M | — | ||
| Q2 24 | $58.2M | $5.7M | ||
| Q1 24 | $60.2M | — |
总债务FUSBSPCB
| Q4 25 | $10.9M | — | ||
| Q3 25 | $10.9M | — | ||
| Q2 25 | $10.9M | $23.6M | ||
| Q1 25 | $10.9M | — | ||
| Q4 24 | $10.9M | — | ||
| Q3 24 | $10.9M | — | ||
| Q2 24 | $10.8M | $29.2M | ||
| Q1 24 | $10.8M | — |
股东权益FUSBSPCB
| Q4 25 | $105.6M | — | ||
| Q3 25 | $104.2M | — | ||
| Q2 25 | $101.9M | $37.3M | ||
| Q1 25 | $101.2M | — | ||
| Q4 24 | $98.6M | — | ||
| Q3 24 | $98.5M | — | ||
| Q2 24 | $93.8M | $13.8M | ||
| Q1 24 | $92.3M | — |
总资产FUSBSPCB
| Q4 25 | $1.2B | — | ||
| Q3 25 | $1.1B | — | ||
| Q2 25 | $1.1B | $65.5M | ||
| Q1 25 | $1.1B | — | ||
| Q4 24 | $1.1B | — | ||
| Q3 24 | $1.1B | — | ||
| Q2 24 | $1.1B | $49.6M | ||
| Q1 24 | $1.1B | — |
负债/权益比FUSBSPCB
| Q4 25 | 0.10× | — | ||
| Q3 25 | 0.10× | — | ||
| Q2 25 | 0.11× | 0.63× | ||
| Q1 25 | 0.11× | — | ||
| Q4 24 | 0.11× | — | ||
| Q3 24 | 0.11× | — | ||
| Q2 24 | 0.12× | 2.11× | ||
| 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 | $-2.2M |
| 自由现金流经营现金流 - 资本支出 | $9.1M | $-3.6M |
| 自由现金流率自由现金流/营收 | 87.2% | -25.3% |
| 资本支出强度资本支出/营收 | 31.1% | 10.0% |
| 现金转化率经营现金流/净利润 | 5.79× | -0.41× |
| 过去12个月自由现金流最近4个季度 | $16.0M | $-14.0M |
8季度趋势，按日历期对齐
经营现金流FUSBSPCB
| Q4 25 | $12.3M | — | ||
| Q3 25 | $4.2M | — | ||
| Q2 25 | $3.9M | $-2.2M | ||
| Q1 25 | $1.8M | — | ||
| Q4 24 | $7.8M | — | ||
| Q3 24 | $1.9M | — | ||
| Q2 24 | $2.5M | $-950.0K | ||
| Q1 24 | $825.0K | — |
自由现金流FUSBSPCB
| Q4 25 | $9.1M | — | ||
| Q3 25 | $3.6M | — | ||
| Q2 25 | $1.6M | $-3.6M | ||
| Q1 25 | $1.7M | — | ||
| Q4 24 | $5.7M | — | ||
| Q3 24 | $1.3M | — | ||
| Q2 24 | $2.3M | $-1.6M | ||
| Q1 24 | $-142.0K | — |
自由现金流率FUSBSPCB
| Q4 25 | 87.2% | — | ||
| Q3 25 | 34.2% | — | ||
| Q2 25 | 16.0% | -25.3% | ||
| Q1 25 | 17.2% | — | ||
| Q4 24 | 58.2% | — | ||
| Q3 24 | 12.7% | — | ||
| Q2 24 | 23.5% | -10.8% | ||
| Q1 24 | -1.4% | — |
资本支出强度FUSBSPCB
| Q4 25 | 31.1% | — | ||
| Q3 25 | 5.9% | — | ||
| Q2 25 | 21.8% | 10.0% | ||
| Q1 25 | 0.7% | — | ||
| Q4 24 | 21.6% | — | ||
| Q3 24 | 6.6% | — | ||
| Q2 24 | 2.0% | 4.2% | ||
| Q1 24 | 9.8% | — |
现金转化率FUSBSPCB
| Q4 25 | 5.79× | — | ||
| Q3 25 | 2.18× | — | ||
| Q2 25 | 25.16× | -0.41× | ||
| Q1 25 | 0.99× | — | ||
| Q4 24 | 4.53× | — | ||
| Q3 24 | 0.87× | — | ||
| Q2 24 | 1.20× | -0.32× | ||
| 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
