vs
i3 Verticals, Inc.（IIIV）与合众银行（OSBC）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i3 Verticals, Inc.的1.8倍（$93.8M vs $52.7M），合众银行净利率更高（27.3% vs 0.9%，领先26.4%），过去两年合众银行的营收复合增速更高（15.1% vs -4.7%）
Prusa i3是捷克Prusa Research公司生产的熔融沉积成型3D打印机系列，以Original Prusa i3为注册商标推出，同时也是RepRap项目的组成部分。2016年该系列就被评为全球使用率最高的3D打印机，最早由Josef Průša在2012年完成设计，2015年正式推出商用套件版本，目前最新型号同时提供散件套件和原厂组装版本，具备性价比高、易操作的优势。
合众银行是一家总部位于美国明尼阿波利斯、在特拉华州注册的美国跨国银行机构。截至2025年，它是美国第五大银行，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金融机构，主营银行、投资、抵押等金融服务。
IIIV vs OSBC — 直观对比
营收规模更大
OSBC
是对方的1.8倍
$52.7M
净利率更高
OSBC
高出26.4%
0.9%
两年增速更快
OSBC
近两年复合增速
-4.7%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $52.7M | $93.8M |
| 净利润 | $484.0K | $25.6M |
| 毛利率 | — | — |
| 营业利润率 | 3.1% | — |
| 净利率 | 0.9% | 27.3% |
| 营收同比 | -14.6% | — |
| 净利润同比 | -76.5% | 159.2% |
| 每股收益（稀释后） | $0.02 | $0.48 |
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IIIVOSBC
| Q1 26 | — | $93.8M | ||
| Q4 25 | $52.7M | $95.2M | ||
| Q3 25 | $46.0M | $95.9M | ||
| Q2 25 | $51.9M | $75.1M | ||
| Q1 25 | $63.1M | $73.1M | ||
| Q4 24 | $52.2M | $73.2M | ||
| Q3 24 | $32.0M | $71.2M | ||
| Q2 24 | $46.2M | $70.8M |
净利润IIIVOSBC
| Q1 26 | — | $25.6M | ||
| Q4 25 | $484.0K | — | ||
| Q3 25 | $3.1M | $9.9M | ||
| Q2 25 | $12.9M | $21.8M | ||
| Q1 25 | $-154.0K | $19.8M | ||
| Q4 24 | $2.1M | — | ||
| Q3 24 | $117.9M | $23.0M | ||
| Q2 24 | $-7.5M | $21.9M |
营业利润率IIIVOSBC
| Q1 26 | — | — | ||
| Q4 25 | 3.1% | 41.2% | ||
| Q3 25 | 3.2% | 13.6% | ||
| Q2 25 | -9.3% | 38.9% | ||
| Q1 25 | 8.0% | 35.8% | ||
| Q4 24 | 3.9% | 34.7% | ||
| Q3 24 | 10.6% | 41.9% | ||
| Q2 24 | -2.8% | 41.2% |
净利率IIIVOSBC
| Q1 26 | — | 27.3% | ||
| Q4 25 | 0.9% | — | ||
| Q3 25 | 6.7% | 10.3% | ||
| Q2 25 | 24.8% | 29.0% | ||
| Q1 25 | -0.2% | 27.1% | ||
| Q4 24 | 3.9% | — | ||
| Q3 24 | 368.2% | 32.3% | ||
| Q2 24 | -16.3% | 30.9% |
每股收益（稀释后）IIIVOSBC
| Q1 26 | — | $0.48 | ||
| Q4 25 | $0.02 | $0.53 | ||
| Q3 25 | $0.14 | $0.18 | ||
| Q2 25 | $0.50 | $0.48 | ||
| Q1 25 | $0.00 | $0.43 | ||
| Q4 24 | $0.08 | $0.42 | ||
| Q3 24 | $4.93 | $0.50 | ||
| Q2 24 | $-0.32 | $0.48 |
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 | $37.5M | $115.7M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $358.5M | $893.3M |
| 总资产 | $595.9M | $6.8B |
| 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IIIVOSBC
| Q1 26 | — | $115.7M | ||
| Q4 25 | $37.5M | $124.0M | ||
| Q3 25 | $66.7M | $116.5M | ||
| Q2 25 | $55.5M | $141.8M | ||
| Q1 25 | $7.7M | $256.1M | ||
| Q4 24 | $85.6M | $99.3M | ||
| Q3 24 | $86.5M | $115.8M | ||
| Q2 24 | $9.7M | $120.9M |
总债务IIIVOSBC
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $0 | — | ||
| Q2 25 | $0 | — | ||
| Q1 25 | $12.0M | — | ||
| Q4 24 | $26.2M | — | ||
| Q3 24 | $26.2M | — | ||
| Q2 24 | $374.1M | — |
股东权益IIIVOSBC
| Q1 26 | — | $893.3M | ||
| Q4 25 | $358.5M | $896.8M | ||
| Q3 25 | $389.6M | $866.7M | ||
| Q2 25 | $383.3M | $718.6M | ||
| Q1 25 | $385.2M | $694.5M | ||
| Q4 24 | $375.0M | $671.0M | ||
| Q3 24 | $379.7M | $661.4M | ||
| Q2 24 | $249.7M | $619.3M |
总资产IIIVOSBC
| Q1 26 | — | $6.8B | ||
| Q4 25 | $595.9M | $6.9B | ||
| Q3 25 | $638.4M | $7.0B | ||
| Q2 25 | $623.3M | $5.7B | ||
| Q1 25 | $646.4M | $5.7B | ||
| Q4 24 | $726.2M | $5.6B | ||
| Q3 24 | $730.7M | $5.7B | ||
| Q2 24 | $861.7M | $5.7B |
负债/权益比IIIVOSBC
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 0.00× | — | ||
| Q2 25 | 0.00× | — | ||
| Q1 25 | 0.03× | — | ||
| Q4 24 | 0.07× | — | ||
| Q3 24 | 0.07× | — | ||
| Q2 24 | 1.50× | — |
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 | $14.1M | — |
| 自由现金流经营现金流 - 资本支出 | $13.8M | — |
| 自由现金流率自由现金流/营收 | 26.2% | — |
| 资本支出强度资本支出/营收 | 0.6% | — |
| 现金转化率经营现金流/净利润 | 29.18× | — |
| 过去12个月自由现金流最近4个季度 | $6.5M | — |
8季度趋势，按日历期对齐
经营现金流IIIVOSBC
| Q1 26 | — | — | ||
| Q4 25 | $14.1M | $122.3M | ||
| Q3 25 | $14.0M | $35.9M | ||
| Q2 25 | $7.4M | $24.2M | ||
| Q1 25 | $-27.1M | $17.8M | ||
| Q4 24 | $11.5M | $131.5M | ||
| Q3 24 | $15.1M | $48.5M | ||
| Q2 24 | $8.1M | $11.6M |
自由现金流IIIVOSBC
| Q1 26 | — | — | ||
| Q4 25 | $13.8M | $117.8M | ||
| Q3 25 | $13.5M | $34.7M | ||
| Q2 25 | $6.8M | $23.5M | ||
| Q1 25 | $-27.6M | $16.2M | ||
| Q4 24 | $11.0M | $120.7M | ||
| Q3 24 | $14.6M | $46.2M | ||
| Q2 24 | $7.2M | $8.7M |
自由现金流率IIIVOSBC
| Q1 26 | — | — | ||
| Q4 25 | 26.2% | 123.7% | ||
| Q3 25 | 29.5% | 36.2% | ||
| Q2 25 | 13.1% | 31.2% | ||
| Q1 25 | -43.8% | 22.2% | ||
| Q4 24 | 21.1% | 165.0% | ||
| Q3 24 | 45.6% | 64.9% | ||
| Q2 24 | 15.6% | 12.3% |
资本支出强度IIIVOSBC
| Q1 26 | — | — | ||
| Q4 25 | 0.6% | 4.7% | ||
| Q3 25 | 0.9% | 1.3% | ||
| Q2 25 | 1.0% | 1.1% | ||
| Q1 25 | 0.8% | 2.2% | ||
| Q4 24 | 0.9% | 14.7% | ||
| Q3 24 | 1.7% | 3.3% | ||
| Q2 24 | 1.9% | 4.2% |
现金转化率IIIVOSBC
| Q1 26 | — | — | ||
| Q4 25 | 29.18× | — | ||
| Q3 25 | 4.52× | 3.64× | ||
| Q2 25 | 0.57× | 1.11× | ||
| Q1 25 | — | 0.90× | ||
| Q4 24 | 5.59× | — | ||
| Q3 24 | 0.13× | 2.11× | ||
| Q2 24 | — | 0.53× |
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
IIIV
| License And Service | $35.7M | 68% |
| Proprietary Payments Revenue | $14.5M | 27% |
| Other Revenue | $2.5M | 5% |
OSBC
| Net Interest Income | $81.1M | 87% |
| Noninterest Income | $12.6M | 13% |
