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HomeTrust Bancshares, Inc.（HTB）与Upland Software, Inc.（UPLD）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Upland Software, Inc.的1.1倍（$53.6M vs $49.3M），HomeTrust Bancshares, Inc.同比增速更快（3.7% vs -27.5%），HomeTrust Bancshares, Inc.自由现金流更多（$45.3M vs $7.2M），过去两年HomeTrust Bancshares, Inc.的营收复合增速更高（3.5% vs -16.5%）
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。
Upland Software是全球云原生企业工作管理解决方案提供商，旗下产品覆盖项目组合管理、客户互动、IT服务管理、财务流程自动化等领域，服务北美、欧洲、亚太各行业不同规模的企业客户。
HTB vs UPLD — 直观对比
营收规模更大
HTB
是对方的1.1倍
$49.3M
营收增速更快
HTB
高出31.2%
-27.5%
自由现金流更多
HTB
多$38.1M
$7.2M
两年增速更快
HTB
近两年复合增速
-16.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $53.6M | $49.3M |
| 净利润 | — | — |
| 毛利率 | — | 76.5% |
| 营业利润率 | 37.0% | 14.5% |
| 净利率 | — | — |
| 营收同比 | 3.7% | -27.5% |
| 净利润同比 | — | — |
| 每股收益（稀释后） | $0.93 | $0.01 |
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HTBUPLD
| Q4 25 | $53.6M | $49.3M | ||
| Q3 25 | $54.1M | $50.5M | ||
| Q2 25 | $54.4M | $53.4M | ||
| Q1 25 | $50.9M | $63.7M | ||
| Q4 24 | $51.7M | $68.0M | ||
| Q3 24 | $50.6M | $66.7M | ||
| Q2 24 | $50.6M | $69.3M | ||
| Q1 24 | $50.0M | $70.7M |
净利润HTBUPLD
| Q4 25 | — | — | ||
| Q3 25 | $16.5M | $-1.1M | ||
| Q2 25 | $17.2M | $-13.0M | ||
| Q1 25 | $14.5M | $-25.8M | ||
| Q4 24 | — | — | ||
| Q3 24 | $13.1M | $-1.7M | ||
| Q2 24 | $12.4M | $-11.4M | ||
| Q1 24 | $15.1M | $-96.1M |
毛利率HTBUPLD
| Q4 25 | — | 76.5% | ||
| Q3 25 | — | 76.9% | ||
| Q2 25 | — | 74.8% | ||
| Q1 25 | — | 71.6% | ||
| Q4 24 | — | 70.8% | ||
| Q3 24 | — | 70.5% | ||
| Q2 24 | — | 70.5% | ||
| Q1 24 | — | 70.2% |
营业利润率HTBUPLD
| Q4 25 | 37.0% | 14.5% | ||
| Q3 25 | 38.5% | 10.6% | ||
| Q2 25 | 40.1% | -13.2% | ||
| Q1 25 | 36.2% | -1.7% | ||
| Q4 24 | 35.4% | -2.9% | ||
| Q3 24 | 33.2% | -5.0% | ||
| Q2 24 | 31.3% | -7.7% | ||
| Q1 24 | 38.0% | -129.6% |
净利率HTBUPLD
| Q4 25 | — | — | ||
| Q3 25 | 30.5% | -2.2% | ||
| Q2 25 | 31.6% | -24.4% | ||
| Q1 25 | 28.5% | -40.6% | ||
| Q4 24 | — | — | ||
| Q3 24 | 25.9% | -2.6% | ||
| Q2 24 | 24.6% | -16.5% | ||
| Q1 24 | 30.1% | -135.9% |
每股收益（稀释后）HTBUPLD
| Q4 25 | $0.93 | $0.01 | ||
| Q3 25 | $0.95 | $-0.09 | ||
| Q2 25 | $1.00 | $-0.51 | ||
| Q1 25 | $0.84 | $-0.97 | ||
| Q4 24 | $0.83 | $-0.30 | ||
| Q3 24 | $0.76 | $-0.12 | ||
| Q2 24 | $0.73 | $-0.47 | ||
| Q1 24 | $0.88 | $-3.37 |
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 | $29.4M |
| 总债务越低越好 | — | $232.4M |
| 股东权益账面价值 | $600.7M | $-48.4M |
| 总资产 | $4.5B | $413.2M |
| 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HTBUPLD
| Q4 25 | $324.7M | $29.4M | ||
| Q3 25 | $315.8M | $22.8M | ||
| Q2 25 | $297.2M | $41.0M | ||
| Q1 25 | $299.8M | $33.7M | ||
| Q4 24 | $279.2M | $56.4M | ||
| Q3 24 | $293.5M | $59.7M | ||
| Q2 24 | $294.2M | $232.4M | ||
| Q1 24 | $380.5M | $231.6M |
总债务HTBUPLD
| Q4 25 | — | $232.4M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $290.2M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益HTBUPLD
| Q4 25 | $600.7M | $-48.4M | ||
| Q3 25 | $595.8M | $-47.3M | ||
| Q2 25 | $579.3M | $-42.4M | ||
| Q1 25 | $565.4M | $-37.8M | ||
| Q4 24 | $551.8M | $-18.3M | ||
| Q3 24 | $540.0M | $907.0K | ||
| Q2 24 | $523.6M | $6.5M | ||
| Q1 24 | $513.2M | $20.1M |
总资产HTBUPLD
| Q4 25 | $4.5B | $413.2M | ||
| Q3 25 | $4.6B | $409.1M | ||
| Q2 25 | $4.6B | $441.7M | ||
| Q1 25 | $4.6B | $457.0M | ||
| Q4 24 | $4.6B | $529.5M | ||
| Q3 24 | $4.6B | $554.9M | ||
| Q2 24 | $4.7B | $739.9M | ||
| Q1 24 | $4.7B | $754.9M |
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 | $7.3M |
| 自由现金流经营现金流 - 资本支出 | $45.3M | $7.2M |
| 自由现金流率自由现金流/营收 | 84.5% | 14.7% |
| 资本支出强度资本支出/营收 | 7.8% | 0.2% |
| 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 | $24.4M |
8季度趋势，按日历期对齐
经营现金流HTBUPLD
| Q4 25 | $49.5M | $7.3M | ||
| Q3 25 | $-11.3M | $6.9M | ||
| Q2 25 | $-8.8M | $3.3M | ||
| Q1 25 | $71.7M | $8.3M | ||
| Q4 24 | $45.4M | $9.3M | ||
| Q3 24 | $43.8M | $4.3M | ||
| Q2 24 | $5.9M | $5.5M | ||
| Q1 24 | $-9.0M | $5.1M |
自由现金流HTBUPLD
| Q4 25 | $45.3M | $7.2M | ||
| Q3 25 | $-12.0M | $6.7M | ||
| Q2 25 | $-10.2M | $2.7M | ||
| Q1 25 | $70.7M | $7.9M | ||
| Q4 24 | $42.4M | $9.0M | ||
| Q3 24 | $43.1M | $4.2M | ||
| Q2 24 | $5.7M | $5.2M | ||
| Q1 24 | $-9.6M | $4.9M |
自由现金流率HTBUPLD
| Q4 25 | 84.5% | 14.7% | ||
| Q3 25 | -22.2% | 13.2% | ||
| Q2 25 | -18.7% | 5.0% | ||
| Q1 25 | 138.7% | 12.4% | ||
| Q4 24 | 82.0% | 13.3% | ||
| Q3 24 | 85.1% | 6.3% | ||
| Q2 24 | 11.2% | 7.5% | ||
| Q1 24 | -19.2% | 7.0% |
资本支出强度HTBUPLD
| Q4 25 | 7.8% | 0.2% | ||
| Q3 25 | 1.4% | 0.4% | ||
| Q2 25 | 2.5% | 1.2% | ||
| Q1 25 | 2.0% | 0.7% | ||
| Q4 24 | 5.9% | 0.5% | ||
| Q3 24 | 1.3% | 0.2% | ||
| Q2 24 | 0.5% | 0.4% | ||
| Q1 24 | 1.1% | 0.3% |
现金转化率HTBUPLD
| Q4 25 | — | — | ||
| Q3 25 | -0.68× | — | ||
| Q2 25 | -0.51× | — | ||
| 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
