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HomeTrust Bancshares, Inc.（HTB）与OneSpan Inc.（OSPN）财务数据对比。点击上方公司名可切换其他公司
OneSpan Inc.的季度营收约是HomeTrust Bancshares, Inc.的1.2倍（$65.9M vs $53.6M），OneSpan Inc.同比增速更快（4.1% vs 3.7%），过去两年OneSpan Inc.的营收复合增速更高（4.0% vs 3.5%）
HomeTrust Bancshares, Inc.是总部位于美国北卡罗来纳州阿什维尔的银行控股公司，总资产达43亿美元，在北卡、南卡、佐治亚和田纳西州共设有33家网点，旗下拥有HomeTrust银行、Tryon联邦银行等七家社区银行。
OneSpan Inc.是一家总部位于美国马萨诸塞州波士顿的信息安全企业，核心业务涵盖网络欺诈防御平台搭建、多因素身份验证工具提供以及电子签名软件开发，为各类机构提供专业的数字安全与身份合规管理解决方案。
HTB vs OSPN — 直观对比
营收规模更大
OSPN
是对方的1.2倍
$53.6M
营收增速更快
OSPN
高出0.4%
3.7%
两年增速更快
OSPN
近两年复合增速
3.5%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $53.6M | $65.9M |
| 净利润 | — | $11.6M |
| 毛利率 | — | 73.6% |
| 营业利润率 | 37.0% | 22.5% |
| 净利率 | — | 17.5% |
| 营收同比 | 3.7% | 4.1% |
| 净利润同比 | — | — |
| 每股收益（稀释后） | $0.93 | $0.39 |
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HTBOSPN
| Q1 26 | — | $65.9M | ||
| Q4 25 | $53.6M | $62.9M | ||
| Q3 25 | $54.1M | $57.1M | ||
| Q2 25 | $54.4M | $59.8M | ||
| Q1 25 | $50.9M | $63.4M | ||
| Q4 24 | $51.7M | $61.2M | ||
| Q3 24 | $50.6M | $56.2M | ||
| Q2 24 | $50.6M | $60.9M |
净利润HTBOSPN
| Q1 26 | — | $11.6M | ||
| Q4 25 | — | $43.5M | ||
| Q3 25 | $16.5M | $6.5M | ||
| Q2 25 | $17.2M | $8.3M | ||
| Q1 25 | $14.5M | $14.5M | ||
| Q4 24 | — | $28.8M | ||
| Q3 24 | $13.1M | $8.3M | ||
| Q2 24 | $12.4M | $6.6M |
毛利率HTBOSPN
| Q1 26 | — | 73.6% | ||
| Q4 25 | — | 73.6% | ||
| Q3 25 | — | 73.6% | ||
| Q2 25 | — | 73.5% | ||
| Q1 25 | — | 74.3% | ||
| Q4 24 | — | 74.0% | ||
| Q3 24 | — | 73.9% | ||
| Q2 24 | — | 66.2% |
营业利润率HTBOSPN
| Q1 26 | — | 22.5% | ||
| Q4 25 | 37.0% | 19.9% | ||
| Q3 25 | 38.5% | 14.4% | ||
| Q2 25 | 40.1% | 17.6% | ||
| Q1 25 | 36.2% | 27.1% | ||
| Q4 24 | 35.4% | 19.3% | ||
| Q3 24 | 33.2% | 20.0% | ||
| Q2 24 | 31.3% | 12.5% |
净利率HTBOSPN
| Q1 26 | — | 17.5% | ||
| Q4 25 | — | 69.2% | ||
| Q3 25 | 30.5% | 11.4% | ||
| Q2 25 | 31.6% | 13.9% | ||
| Q1 25 | 28.5% | 22.9% | ||
| Q4 24 | — | 47.1% | ||
| Q3 24 | 25.9% | 14.7% | ||
| Q2 24 | 24.6% | 10.8% |
每股收益（稀释后）HTBOSPN
| Q1 26 | — | $0.39 | ||
| Q4 25 | $0.93 | $1.13 | ||
| Q3 25 | $0.95 | $0.17 | ||
| Q2 25 | $1.00 | $0.21 | ||
| Q1 25 | $0.84 | $0.37 | ||
| Q4 24 | $0.83 | $0.73 | ||
| Q3 24 | $0.76 | $0.21 | ||
| Q2 24 | $0.73 | $0.17 |
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 | $324.7M | $49.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $600.7M | $272.0M |
| 总资产 | $4.5B | $383.1M |
| 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HTBOSPN
| Q1 26 | — | $49.8M | ||
| Q4 25 | $324.7M | $70.5M | ||
| Q3 25 | $315.8M | $85.6M | ||
| Q2 25 | $297.2M | $92.9M | ||
| Q1 25 | $299.8M | $105.2M | ||
| Q4 24 | $279.2M | $83.2M | ||
| Q3 24 | $293.5M | $77.5M | ||
| Q2 24 | $294.2M | $63.8M |
股东权益HTBOSPN
| Q1 26 | — | $272.0M | ||
| Q4 25 | $600.7M | $271.8M | ||
| Q3 25 | $595.8M | $238.3M | ||
| Q2 25 | $579.3M | $242.5M | ||
| Q1 25 | $565.4M | $231.1M | ||
| Q4 24 | $551.8M | $212.5M | ||
| Q3 24 | $540.0M | $194.6M | ||
| Q2 24 | $523.6M | $178.6M |
总资产HTBOSPN
| Q1 26 | — | $383.1M | ||
| Q4 25 | $4.5B | $397.7M | ||
| Q3 25 | $4.6B | $343.5M | ||
| Q2 25 | $4.6B | $357.1M | ||
| Q1 25 | $4.6B | $333.8M | ||
| Q4 24 | $4.6B | $338.7M | ||
| Q3 24 | $4.6B | $289.3M | ||
| Q2 24 | $4.7B | $286.9M |
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 | $49.5M | $28.2M |
| 自由现金流经营现金流 - 资本支出 | $45.3M | — |
| 自由现金流率自由现金流/营收 | 84.5% | — |
| 资本支出强度资本支出/营收 | 7.8% | — |
| 现金转化率经营现金流/净利润 | — | 2.44× |
| 过去12个月自由现金流最近4个季度 | $93.8M | — |
8季度趋势，按日历期对齐
经营现金流HTBOSPN
| Q1 26 | — | $28.2M | ||
| Q4 25 | $49.5M | $12.6M | ||
| Q3 25 | $-11.3M | $11.3M | ||
| Q2 25 | $-8.8M | $6.2M | ||
| Q1 25 | $71.7M | $29.4M | ||
| Q4 24 | $45.4M | $12.4M | ||
| Q3 24 | $43.8M | $14.0M | ||
| Q2 24 | $5.9M | $2.3M |
自由现金流HTBOSPN
| Q1 26 | — | — | ||
| Q4 25 | $45.3M | $9.6M | ||
| Q3 25 | $-12.0M | $8.8M | ||
| Q2 25 | $-10.2M | $4.4M | ||
| Q1 25 | $70.7M | $27.7M | ||
| Q4 24 | $42.4M | $10.5M | ||
| Q3 24 | $43.1M | $12.0M | ||
| Q2 24 | $5.7M | $26.0K |
自由现金流率HTBOSPN
| Q1 26 | — | — | ||
| Q4 25 | 84.5% | 15.3% | ||
| Q3 25 | -22.2% | 15.4% | ||
| Q2 25 | -18.7% | 7.3% | ||
| Q1 25 | 138.7% | 43.8% | ||
| Q4 24 | 82.0% | 17.1% | ||
| Q3 24 | 85.1% | 21.4% | ||
| Q2 24 | 11.2% | 0.0% |
资本支出强度HTBOSPN
| Q1 26 | — | — | ||
| Q4 25 | 7.8% | 4.7% | ||
| Q3 25 | 1.4% | 4.4% | ||
| Q2 25 | 2.5% | 3.1% | ||
| Q1 25 | 2.0% | 2.6% | ||
| Q4 24 | 5.9% | 3.2% | ||
| Q3 24 | 1.3% | 3.5% | ||
| Q2 24 | 0.5% | 3.7% |
现金转化率HTBOSPN
| Q1 26 | — | 2.44× | ||
| Q4 25 | — | 0.29× | ||
| Q3 25 | -0.68× | 1.74× | ||
| Q2 25 | -0.51× | 0.75× | ||
| Q1 25 | 4.93× | 2.02× | ||
| Q4 24 | — | 0.43× | ||
| Q3 24 | 3.34× | 1.69× | ||
| Q2 24 | 0.48× | 0.35× |
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
HTB
暂无分部数据
OSPN
| Product and license | $35.5M | 54% |
| Services and other | $30.4M | 46% |
