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HomeTrust Bancshares, Inc.（HTB）与STEM, INC.（STEM）财务数据对比。点击上方公司名可切换其他公司
HomeTrust Bancshares, Inc.的季度营收约是STEM, INC.的1.1倍（$53.6M vs $47.1M），HomeTrust Bancshares, Inc.同比增速更快（3.7% vs -15.6%），过去两年STEM, INC.的营收复合增速更高（36.1% 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。
该公司是一家公开上市的生物制药企业，总部位于加利福尼亚州纽瓦克，专注研发纯化人类神经干细胞，旨在治疗中枢神经系统疾病与瘫痪，其所研发的神经干细胞可分化为中枢神经系统的神经元、星形胶质细胞与少突胶质细胞这三大主要细胞类型。
HTB vs STEM — 直观对比
营收规模更大
HTB
是对方的1.1倍
$47.1M
营收增速更快
HTB
高出19.2%
-15.6%
两年增速更快
STEM
近两年复合增速
3.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $53.6M | $47.1M |
| 净利润 | — | $-16.0M |
| 毛利率 | — | 48.9% |
| 营业利润率 | 37.0% | -17.7% |
| 净利率 | — | -33.9% |
| 营收同比 | 3.7% | -15.6% |
| 净利润同比 | — | 68.8% |
| 每股收益（稀释后） | $0.93 | $-4.40 |
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HTBSTEM
| Q4 25 | $53.6M | $47.1M | ||
| Q3 25 | $54.1M | $38.2M | ||
| Q2 25 | $54.4M | $38.4M | ||
| Q1 25 | $50.9M | $32.5M | ||
| Q4 24 | $51.7M | $55.8M | ||
| Q3 24 | $50.6M | $29.3M | ||
| Q2 24 | $50.6M | $34.0M | ||
| Q1 24 | $50.0M | $25.5M |
净利润HTBSTEM
| Q4 25 | — | $-16.0M | ||
| Q3 25 | $16.5M | $-23.8M | ||
| Q2 25 | $17.2M | $202.5M | ||
| Q1 25 | $14.5M | $-25.0M | ||
| Q4 24 | — | $-51.1M | ||
| Q3 24 | $13.1M | $-148.3M | ||
| Q2 24 | $12.4M | $-582.3M | ||
| Q1 24 | $15.1M | $-72.3M |
毛利率HTBSTEM
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | -95.0% |
营业利润率HTBSTEM
| Q4 25 | 37.0% | -17.7% | ||
| Q3 25 | 38.5% | -33.6% | ||
| Q2 25 | 40.1% | -34.8% | ||
| Q1 25 | 36.2% | -65.0% | ||
| Q4 24 | 35.4% | -84.4% | ||
| Q3 24 | 33.2% | -493.2% | ||
| Q2 24 | 31.3% | -1705.5% | ||
| Q1 24 | 38.0% | -267.0% |
净利率HTBSTEM
| Q4 25 | — | -33.9% | ||
| Q3 25 | 30.5% | -62.2% | ||
| Q2 25 | 31.6% | 527.8% | ||
| Q1 25 | 28.5% | -76.9% | ||
| Q4 24 | — | -91.6% | ||
| Q3 24 | 25.9% | -506.3% | ||
| Q2 24 | 24.6% | -1712.6% | ||
| Q1 24 | 30.1% | -283.9% |
每股收益（稀释后）HTBSTEM
| Q4 25 | $0.93 | $-4.40 | ||
| Q3 25 | $0.95 | $-2.84 | ||
| Q2 25 | $1.00 | $-1.79 | ||
| Q1 25 | $0.84 | $-0.15 | ||
| Q4 24 | $0.83 | $-15.29 | ||
| Q3 24 | $0.76 | $-18.24 | ||
| Q2 24 | $0.73 | $-71.81 | ||
| Q1 24 | $0.88 | $-0.46 |
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 | $48.9M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $600.7M | $-249.4M |
| 总资产 | $4.5B | $308.9M |
| 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HTBSTEM
| Q4 25 | $324.7M | $48.9M | ||
| Q3 25 | $315.8M | $43.1M | ||
| Q2 25 | $297.2M | $40.8M | ||
| Q1 25 | $299.8M | $58.6M | ||
| Q4 24 | $279.2M | $56.3M | ||
| Q3 24 | $293.5M | $75.4M | ||
| Q2 24 | $294.2M | $89.6M | ||
| Q1 24 | $380.5M | $112.8M |
股东权益HTBSTEM
| Q4 25 | $600.7M | $-249.4M | ||
| Q3 25 | $595.8M | $-235.7M | ||
| Q2 25 | $579.3M | $-214.1M | ||
| Q1 25 | $565.4M | $-417.5M | ||
| Q4 24 | $551.8M | $-398.4M | ||
| Q3 24 | $540.0M | $-344.1M | ||
| Q2 24 | $523.6M | $-203.2M | ||
| Q1 24 | $513.2M | $371.6M |
总资产HTBSTEM
| Q4 25 | $4.5B | $308.9M | ||
| Q3 25 | $4.6B | $362.6M | ||
| Q2 25 | $4.6B | $379.2M | ||
| Q1 25 | $4.6B | $405.1M | ||
| Q4 24 | $4.6B | $437.4M | ||
| Q3 24 | $4.6B | $537.8M | ||
| Q2 24 | $4.7B | $691.5M | ||
| Q1 24 | $4.7B | $1.3B |
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 | $8.2M |
| 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 | — | — |
| 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HTBSTEM
| Q4 25 | $49.5M | $8.2M | ||
| Q3 25 | $-11.3M | $11.4M | ||
| Q2 25 | $-8.8M | $-21.3M | ||
| Q1 25 | $71.7M | $8.5M | ||
| Q4 24 | $45.4M | $-14.7M | ||
| Q3 24 | $43.8M | $-9.4M | ||
| Q2 24 | $5.9M | $-11.9M | ||
| Q1 24 | $-9.0M | $-621.0K |
自由现金流HTBSTEM
| Q4 25 | $45.3M | — | ||
| Q3 25 | $-12.0M | — | ||
| Q2 25 | $-10.2M | — | ||
| Q1 25 | $70.7M | — | ||
| Q4 24 | $42.4M | — | ||
| Q3 24 | $43.1M | — | ||
| Q2 24 | $5.7M | — | ||
| Q1 24 | $-9.6M | — |
自由现金流率HTBSTEM
| Q4 25 | 84.5% | — | ||
| Q3 25 | -22.2% | — | ||
| Q2 25 | -18.7% | — | ||
| Q1 25 | 138.7% | — | ||
| Q4 24 | 82.0% | — | ||
| Q3 24 | 85.1% | — | ||
| Q2 24 | 11.2% | — | ||
| Q1 24 | -19.2% | — |
资本支出强度HTBSTEM
| Q4 25 | 7.8% | — | ||
| Q3 25 | 1.4% | — | ||
| Q2 25 | 2.5% | — | ||
| Q1 25 | 2.0% | — | ||
| Q4 24 | 5.9% | — | ||
| Q3 24 | 1.3% | — | ||
| Q2 24 | 0.5% | — | ||
| Q1 24 | 1.1% | — |
现金转化率HTBSTEM
| Q4 25 | — | — | ||
| Q3 25 | -0.68× | — | ||
| Q2 25 | -0.51× | -0.11× | ||
| Q1 25 | 4.93× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 3.34× | — | ||
| Q2 24 | 0.48× | — | ||
| Q1 24 | -0.60× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
