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FVCBankcorp, Inc.（FVCB）与泛美白银（USAS）财务数据对比。点击上方公司名可切换其他公司
泛美白银的季度营收约是FVCBankcorp, Inc.的1.1倍（$19.1M vs $16.9M），FVCBankcorp, Inc.同比增速更快（4377.5% vs -28.0%），FVCBankcorp, Inc.自由现金流更多（$23.8M vs $-41.3M）
FVCBankcorp是总部位于美国弗吉尼亚州的银行控股公司，旗下运营社区银行FVCbank，面向大西洋中部地区的中小企业、专业人士及个人客户提供存款、贷款、按揭、财富管理等各类个人及商业银行金融服务。
泛美白银是一家总部位于加拿大的矿业企业，业务布局集中在拉丁美洲，在墨西哥、秘鲁、玻利维亚、阿根廷多国持有运营矿山及其他矿产开发项目，是美洲地区重要的贵金属开采企业。
FVCB vs USAS — 直观对比
营收规模更大
USAS
是对方的1.1倍
$16.9M
营收增速更快
FVCB
高出4405.5%
-28.0%
自由现金流更多
FVCB
多$65.1M
$-41.3M
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $16.9M | $19.1M |
| 净利润 | — | $-15.7M |
| 毛利率 | — | 34.2% |
| 营业利润率 | 43.7% | — |
| 净利率 | — | -82.3% |
| 营收同比 | 4377.5% | -28.0% |
| 净利润同比 | — | 2.8% |
| 每股收益（稀释后） | $0.31 | — |
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FVCBUSAS
| Q4 25 | $16.9M | — | ||
| Q3 25 | $416.0K | $19.1M | ||
| Q2 25 | $15.8M | — | ||
| Q1 25 | $382.0K | — | ||
| Q4 24 | $378.0K | — | ||
| Q3 24 | $412.0K | $26.5M | ||
| Q2 24 | $415.0K | — | ||
| Q1 24 | $359.0K | — |
净利润FVCBUSAS
| Q4 25 | — | — | ||
| Q3 25 | $5.6M | $-15.7M | ||
| Q2 25 | $5.7M | — | ||
| Q1 25 | $5.2M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $4.7M | $-16.2M | ||
| Q2 24 | $4.2M | — | ||
| Q1 24 | $1.3M | — |
毛利率FVCBUSAS
| Q4 25 | — | — | ||
| Q3 25 | — | 34.2% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 23.6% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
营业利润率FVCBUSAS
| Q4 25 | 43.7% | — | ||
| Q3 25 | — | — | ||
| Q2 25 | 45.9% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
净利率FVCBUSAS
| Q4 25 | — | — | ||
| Q3 25 | 1341.1% | -82.3% | ||
| Q2 25 | 36.0% | — | ||
| Q1 25 | 1352.1% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 1133.3% | -60.9% | ||
| Q2 24 | 1001.2% | — | ||
| Q1 24 | 373.3% | — |
每股收益（稀释后）FVCBUSAS
| Q4 25 | $0.31 | — | ||
| Q3 25 | $0.31 | — | ||
| Q2 25 | $0.31 | — | ||
| Q1 25 | $0.28 | — | ||
| Q4 24 | $0.27 | — | ||
| Q3 24 | $0.25 | — | ||
| Q2 24 | $0.23 | — | ||
| Q1 24 | $0.07 | — |
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 | — | $39.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $253.6M | $50.2M |
| 总资产 | $2.3B | $234.7M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资FVCBUSAS
| Q4 25 | — | — | ||
| Q3 25 | — | $39.1M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益FVCBUSAS
| Q4 25 | $253.6M | — | ||
| Q3 25 | $249.8M | $50.2M | ||
| Q2 25 | $243.2M | — | ||
| Q1 25 | $242.3M | — | ||
| Q4 24 | $235.4M | — | ||
| Q3 24 | $230.8M | $53.1M | ||
| Q2 24 | $226.5M | — | ||
| Q1 24 | $220.7M | — |
总资产FVCBUSAS
| Q4 25 | $2.3B | — | ||
| Q3 25 | $2.3B | $234.7M | ||
| Q2 25 | $2.2B | — | ||
| Q1 25 | $2.2B | — | ||
| Q4 24 | $2.2B | — | ||
| Q3 24 | $2.3B | — | ||
| Q2 24 | $2.3B | — | ||
| Q1 24 | $2.2B | — |
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 | $23.9M | $-12.5M |
| 自由现金流经营现金流 - 资本支出 | $23.8M | $-41.3M |
| 自由现金流率自由现金流/营收 | 140.7% | -216.5% |
| 资本支出强度资本支出/营收 | 0.3% | 150.8% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | $40.0M | — |
8季度趋势，按日历期对齐
经营现金流FVCBUSAS
| Q4 25 | $23.9M | — | ||
| Q3 25 | $7.6M | $-12.5M | ||
| Q2 25 | $3.3M | — | ||
| Q1 25 | $5.4M | — | ||
| Q4 24 | $18.2M | — | ||
| Q3 24 | $4.7M | $2.4M | ||
| Q2 24 | $1.6M | — | ||
| Q1 24 | $7.2M | — |
自由现金流FVCBUSAS
| Q4 25 | $23.8M | — | ||
| Q3 25 | $7.6M | $-41.3M | ||
| Q2 25 | $3.3M | — | ||
| Q1 25 | $5.4M | — | ||
| Q4 24 | $18.1M | — | ||
| Q3 24 | $4.6M | $-11.2M | ||
| Q2 24 | $1.5M | — | ||
| Q1 24 | $7.1M | — |
自由现金流率FVCBUSAS
| Q4 25 | 140.7% | — | ||
| Q3 25 | 1818.0% | -216.5% | ||
| Q2 25 | 20.8% | — | ||
| Q1 25 | 1413.6% | — | ||
| Q4 24 | 4786.0% | — | ||
| Q3 24 | 1121.8% | -42.2% | ||
| Q2 24 | 361.2% | — | ||
| Q1 24 | 1988.3% | — |
资本支出强度FVCBUSAS
| Q4 25 | 0.3% | — | ||
| Q3 25 | 0.2% | 150.8% | ||
| Q2 25 | 0.1% | — | ||
| Q1 25 | 4.2% | — | ||
| Q4 24 | 37.3% | — | ||
| Q3 24 | 14.1% | 51.2% | ||
| Q2 24 | 12.8% | — | ||
| Q1 24 | 3.9% | — |
现金转化率FVCBUSAS
| Q4 25 | — | — | ||
| Q3 25 | 1.36× | — | ||
| Q2 25 | 0.58× | — | ||
| Q1 25 | 1.05× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.00× | — | ||
| Q2 24 | 0.37× | — | ||
| Q1 24 | 5.34× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
