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合众银行（HBCP）与STANDARD BIOTOOLS INC.（LAB）财务数据对比。点击上方公司名可切换其他公司
合众银行的季度营收约是STANDARD BIOTOOLS INC.的2.0倍（$38.2M vs $19.6M），合众银行净利率更高（29.7% vs -177.4%，领先207.1%），过去两年合众银行的营收复合增速更高（7.4% vs -12.2%）
该企业是总部位于美国明尼苏达州明尼阿波利斯、在特拉华州注册的跨国银行机构，截至2025年为美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的银行，主营银行、投资、抵押贷款等各类金融业务。
Standard BioTools（原Fluidigm公司）是一家美国生命科学工具企业，主营流式细胞术与组织成像分析用质谱流式系统，以及配套的检测试剂盒与试剂，同时供应自动化基因组分析仪器、各类微流控芯片（又称集成流体电路）及配套试剂耗材，全系列产品及应用场景均可提供定制检测方案与相关服务。
HBCP vs LAB — 直观对比
营收规模更大
HBCP
是对方的2.0倍
$19.6M
净利率更高
HBCP
高出207.1%
-177.4%
两年增速更快
HBCP
近两年复合增速
-12.2%
损益表 — Q1 FY2026 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $38.2M | $19.6M |
| 净利润 | $11.4M | $-34.7M |
| 毛利率 | — | 48.5% |
| 营业利润率 | — | -168.5% |
| 净利率 | 29.7% | -177.4% |
| 营收同比 | — | -11.5% |
| 净利润同比 | — | -28.8% |
| 每股收益（稀释后） | $1.45 | $-0.09 |
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HBCPLAB
| Q1 26 | $38.2M | — | ||
| Q4 25 | $38.0M | — | ||
| Q3 25 | $37.8M | $19.6M | ||
| Q2 25 | $37.1M | $21.8M | ||
| Q1 25 | $35.8M | $40.8M | ||
| Q4 24 | $35.2M | — | ||
| Q3 24 | $34.1M | $22.1M | ||
| Q2 24 | $33.1M | $22.5M |
净利润HBCPLAB
| Q1 26 | $11.4M | — | ||
| Q4 25 | $11.4M | — | ||
| Q3 25 | $12.4M | $-34.7M | ||
| Q2 25 | $11.3M | $-33.5M | ||
| Q1 25 | $11.0M | $-26.0M | ||
| Q4 24 | $9.7M | — | ||
| Q3 24 | $9.4M | $-26.9M | ||
| Q2 24 | $8.1M | $-45.7M |
毛利率HBCPLAB
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 48.5% | ||
| Q2 25 | — | 48.8% | ||
| Q1 25 | — | 48.4% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 54.9% | ||
| Q2 24 | — | 46.1% |
营业利润率HBCPLAB
| Q1 26 | — | — | ||
| Q4 25 | 38.2% | — | ||
| Q3 25 | 41.1% | -168.5% | ||
| Q2 25 | 38.2% | -118.1% | ||
| Q1 25 | 38.6% | -80.8% | ||
| Q4 24 | 34.0% | — | ||
| Q3 24 | 34.3% | -120.9% | ||
| Q2 24 | 30.4% | -134.5% |
净利率HBCPLAB
| Q1 26 | 29.7% | — | ||
| Q4 25 | 30.0% | — | ||
| Q3 25 | 32.7% | -177.4% | ||
| Q2 25 | 30.6% | -153.7% | ||
| Q1 25 | 30.7% | -63.8% | ||
| Q4 24 | 27.5% | — | ||
| Q3 24 | 27.7% | -122.0% | ||
| Q2 24 | 24.5% | -203.3% |
每股收益（稀释后）HBCPLAB
| Q1 26 | $1.45 | — | ||
| Q4 25 | $1.46 | — | ||
| Q3 25 | $1.59 | $-0.09 | ||
| Q2 25 | $1.45 | $-0.09 | ||
| Q1 25 | $1.37 | $-0.07 | ||
| Q4 24 | $1.21 | — | ||
| Q3 24 | $1.18 | $-0.07 | ||
| Q2 24 | $1.02 | $-0.12 |
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 | $223.5M | $129.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $444.4M | $399.7M |
| 总资产 | $3.6B | $539.6M |
| 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HBCPLAB
| Q1 26 | $223.5M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $129.4M | ||
| Q2 25 | — | $158.6M | ||
| Q1 25 | — | $150.9M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $210.6M | ||
| Q2 24 | — | $269.8M |
总债务HBCPLAB
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $55.2M | ||
| Q2 24 | — | $55.1M |
股东权益HBCPLAB
| Q1 26 | $444.4M | — | ||
| Q4 25 | $435.1M | — | ||
| Q3 25 | $423.0M | $399.7M | ||
| Q2 25 | $408.8M | $424.5M | ||
| Q1 25 | $402.8M | $454.6M | ||
| Q4 24 | $396.1M | — | ||
| Q3 24 | $393.5M | $489.3M | ||
| Q2 24 | $375.8M | $510.3M |
总资产HBCPLAB
| Q1 26 | $3.6B | — | ||
| Q4 25 | $3.5B | — | ||
| Q3 25 | $3.5B | $539.6M | ||
| Q2 25 | $3.5B | $557.0M | ||
| Q1 25 | $3.5B | $579.6M | ||
| Q4 24 | $3.4B | — | ||
| Q3 24 | $3.4B | $681.5M | ||
| Q2 24 | $3.4B | $708.7M |
负债/权益比HBCPLAB
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.11× | ||
| Q2 24 | — | 0.11× |
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 | — | $-22.2M |
| 自由现金流经营现金流 - 资本支出 | — | $-23.1M |
| 自由现金流率自由现金流/营收 | — | -118.1% |
| 资本支出强度资本支出/营收 | — | 4.5% |
| 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 | — | $-111.1M |
8季度趋势，按日历期对齐
经营现金流HBCPLAB
| Q1 26 | — | — | ||
| Q4 25 | $54.5M | — | ||
| Q3 25 | $21.5M | $-22.2M | ||
| Q2 25 | $8.7M | $-20.7M | ||
| Q1 25 | $12.6M | $-30.3M | ||
| Q4 24 | $48.7M | — | ||
| Q3 24 | $17.6M | $-27.9M | ||
| Q2 24 | $15.0M | $-39.0M |
自由现金流HBCPLAB
| Q1 26 | — | — | ||
| Q4 25 | $44.3M | — | ||
| Q3 25 | $20.7M | $-23.1M | ||
| Q2 25 | $7.9M | $-22.6M | ||
| Q1 25 | $8.7M | $-35.3M | ||
| Q4 24 | $44.7M | — | ||
| Q3 24 | $17.0M | $-30.1M | ||
| Q2 24 | $13.4M | $-41.0M |
自由现金流率HBCPLAB
| Q1 26 | — | — | ||
| Q4 25 | 116.5% | — | ||
| Q3 25 | 54.6% | -118.1% | ||
| Q2 25 | 21.3% | -103.6% | ||
| Q1 25 | 24.3% | -86.6% | ||
| Q4 24 | 126.9% | — | ||
| Q3 24 | 49.8% | -136.4% | ||
| Q2 24 | 40.3% | -182.2% |
资本支出强度HBCPLAB
| Q1 26 | — | — | ||
| Q4 25 | 26.7% | — | ||
| Q3 25 | 2.2% | 4.5% | ||
| Q2 25 | 2.3% | 8.7% | ||
| Q1 25 | 10.8% | 12.4% | ||
| Q4 24 | 11.5% | — | ||
| Q3 24 | 1.9% | 10.2% | ||
| Q2 24 | 4.9% | 8.6% |
现金转化率HBCPLAB
| Q1 26 | — | — | ||
| Q4 25 | 4.78× | — | ||
| Q3 25 | 1.74× | — | ||
| Q2 25 | 0.77× | — | ||
| Q1 25 | 1.15× | — | ||
| Q4 24 | 5.04× | — | ||
| Q3 24 | 1.87× | — | ||
| Q2 24 | 1.84× | — |
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
HBCP
| Net Interest Income | $34.5M | 90% |
| Noninterest Income | $3.7M | 10% |
LAB
| Consumables | $8.7M | 45% |
| Services And Other Revenue | $5.8M | 29% |
| Instruments | $5.1M | 26% |
