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LAKELAND FINANCIAL CORP（LKFN）与PDF SOLUTIONS INC（PDFS）财务数据对比。点击上方公司名可切换其他公司
LAKELAND FINANCIAL CORP的季度营收约是PDF SOLUTIONS INC的1.1倍（$69.7M vs $62.4M），LAKELAND FINANCIAL CORP净利率更高（38.0% vs -0.1%，领先38.1%），过去两年PDF SOLUTIONS INC的营收复合增速更高（22.9% vs 0.7%）
总部位于美国佛罗里达州坦帕的非银行消费金融服务提供商，由伊恩·麦基奇尼于1989年创立，业务网络仅覆盖佛罗里达州，核心服务涵盖支票兑现、账单支付、预付费卡、发薪日贷款、免费汇票、网点ATM服务、电汇、公证、传真及邮政服务，目前运营近240家线下零售网点。
PDF Solutions Inc是一家总部位于美国加利福尼亚州圣克拉拉的跨国企业，主营软件业务与工程技术服务，目前在纳斯达克交易所挂牌上市，股票代码为PDFS。
LKFN vs PDFS — 直观对比
营收规模更大
LKFN
是对方的1.1倍
$62.4M
净利率更高
LKFN
高出38.1%
-0.1%
两年增速更快
PDFS
近两年复合增速
0.7%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $69.7M | $62.4M |
| 净利润 | $26.5M | $-48.0K |
| 毛利率 | — | 72.9% |
| 营业利润率 | — | 5.5% |
| 净利率 | 38.0% | -0.1% |
| 营收同比 | — | 24.6% |
| 净利润同比 | 31.8% | -108.9% |
| 每股收益（稀释后） | $1.04 | $0.00 |
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LKFNPDFS
| Q1 26 | $69.7M | — | ||
| Q4 25 | $69.8M | $62.4M | ||
| Q3 25 | $69.0M | $57.1M | ||
| Q2 25 | $66.4M | $51.7M | ||
| Q1 25 | $63.8M | $47.8M | ||
| Q4 24 | $63.6M | $50.1M | ||
| Q3 24 | $61.2M | $46.4M | ||
| Q2 24 | $68.7M | $41.7M |
净利润LKFNPDFS
| Q1 26 | $26.5M | — | ||
| Q4 25 | $29.9M | $-48.0K | ||
| Q3 25 | $26.4M | $1.3M | ||
| Q2 25 | $27.0M | $1.1M | ||
| Q1 25 | $20.1M | $-3.0M | ||
| Q4 24 | $24.2M | $539.0K | ||
| Q3 24 | $23.3M | $2.2M | ||
| Q2 24 | $22.5M | $1.7M |
毛利率LKFNPDFS
| Q1 26 | — | — | ||
| Q4 25 | — | 72.9% | ||
| Q3 25 | — | 72.3% | ||
| Q2 25 | — | 71.2% | ||
| Q1 25 | — | 72.9% | ||
| Q4 24 | — | 68.3% | ||
| Q3 24 | — | 73.1% | ||
| Q2 24 | — | 70.6% |
营业利润率LKFNPDFS
| Q1 26 | — | — | ||
| Q4 25 | 52.1% | 5.5% | ||
| Q3 25 | 46.4% | 8.5% | ||
| Q2 25 | 49.6% | 2.2% | ||
| Q1 25 | 38.0% | -7.4% | ||
| Q4 24 | 46.0% | 1.0% | ||
| Q3 24 | 45.3% | 4.6% | ||
| Q2 24 | 39.2% | 0.6% |
净利率LKFNPDFS
| Q1 26 | 38.0% | — | ||
| Q4 25 | 42.8% | -0.1% | ||
| Q3 25 | 38.3% | 2.3% | ||
| Q2 25 | 40.6% | 2.2% | ||
| Q1 25 | 31.5% | -6.3% | ||
| Q4 24 | 38.1% | 1.1% | ||
| Q3 24 | 38.1% | 4.8% | ||
| Q2 24 | 32.8% | 4.1% |
每股收益（稀释后）LKFNPDFS
| Q1 26 | $1.04 | — | ||
| Q4 25 | $1.16 | $0.00 | ||
| Q3 25 | $1.03 | $0.03 | ||
| Q2 25 | $1.04 | $0.03 | ||
| Q1 25 | $0.78 | $-0.08 | ||
| Q4 24 | $0.94 | $0.01 | ||
| Q3 24 | $0.91 | $0.06 | ||
| Q2 24 | $0.87 | $0.04 |
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 | $85.6M | $42.2M |
| 总债务越低越好 | $183.6M | $67.0M |
| 股东权益账面价值 | $749.0M | $271.0M |
| 总资产 | $7.1B | $418.7M |
| 负债/权益比越低杠杆越低 | 0.25× | 0.25× |
8季度趋势，按日历期对齐
现金及短期投资LKFNPDFS
| Q1 26 | $85.6M | — | ||
| Q4 25 | $141.3M | $42.2M | ||
| Q3 25 | $192.8M | $35.9M | ||
| Q2 25 | $310.2M | $40.4M | ||
| Q1 25 | $235.2M | $54.1M | ||
| Q4 24 | $168.2M | $114.9M | ||
| Q3 24 | $160.2M | $120.2M | ||
| Q2 24 | $121.2M | $117.9M |
总债务LKFNPDFS
| Q1 26 | $183.6M | — | ||
| Q4 25 | — | $67.0M | ||
| Q3 25 | — | $67.6M | ||
| Q2 25 | — | $68.1M | ||
| Q1 25 | — | $68.7M | ||
| Q4 24 | — | — | ||
| Q3 24 | $30.0M | — | ||
| Q2 24 | $55.0M | — |
股东权益LKFNPDFS
| Q1 26 | $749.0M | — | ||
| Q4 25 | $762.4M | $271.0M | ||
| Q3 25 | $747.4M | $264.4M | ||
| Q2 25 | $709.9M | $257.5M | ||
| Q1 25 | $694.4M | $249.0M | ||
| Q4 24 | $683.8M | $246.0M | ||
| Q3 24 | $699.1M | $240.5M | ||
| Q2 24 | $654.5M | $232.2M |
总资产LKFNPDFS
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.0B | $418.7M | ||
| Q3 25 | $6.9B | $406.4M | ||
| Q2 25 | $7.0B | $391.1M | ||
| Q1 25 | $6.9B | $390.0M | ||
| Q4 24 | $6.7B | $315.3M | ||
| Q3 24 | $6.6B | $307.4M | ||
| Q2 24 | $6.6B | $298.0M |
负债/权益比LKFNPDFS
| Q1 26 | 0.25× | — | ||
| Q4 25 | — | 0.25× | ||
| Q3 25 | — | 0.26× | ||
| Q2 25 | — | 0.26× | ||
| Q1 25 | — | 0.28× | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.04× | — | ||
| Q2 24 | 0.08× | — |
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 | — | $17.3M |
| 自由现金流经营现金流 - 资本支出 | — | $7.5M |
| 自由现金流率自由现金流/营收 | — | 12.1% |
| 资本支出强度资本支出/营收 | — | 15.7% |
| 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 | — | $-8.6M |
8季度趋势，按日历期对齐
经营现金流LKFNPDFS
| Q1 26 | — | — | ||
| Q4 25 | $114.9M | $17.3M | ||
| Q3 25 | $36.1M | $3.3M | ||
| Q2 25 | $16.2M | $-5.2M | ||
| Q1 25 | $28.9M | $8.6M | ||
| Q4 24 | $102.5M | $1.6M | ||
| Q3 24 | $18.0M | $9.3M | ||
| Q2 24 | $21.0M | $684.0K |
自由现金流LKFNPDFS
| Q1 26 | — | — | ||
| Q4 25 | $103.8M | $7.5M | ||
| Q3 25 | $31.1M | $-2.9M | ||
| Q2 25 | $14.1M | $-13.8M | ||
| Q1 25 | $27.1M | $535.0K | ||
| Q4 24 | $93.9M | $-4.0M | ||
| Q3 24 | $15.3M | $5.1M | ||
| Q2 24 | $18.6M | $-4.6M |
自由现金流率LKFNPDFS
| Q1 26 | — | — | ||
| Q4 25 | 148.7% | 12.1% | ||
| Q3 25 | 45.0% | -5.1% | ||
| Q2 25 | 21.2% | -26.6% | ||
| Q1 25 | 42.5% | 1.1% | ||
| Q4 24 | 147.6% | -8.0% | ||
| Q3 24 | 25.0% | 11.0% | ||
| Q2 24 | 27.0% | -11.1% |
资本支出强度LKFNPDFS
| Q1 26 | — | — | ||
| Q4 25 | 15.9% | 15.7% | ||
| Q3 25 | 7.3% | 10.8% | ||
| Q2 25 | 3.2% | 16.5% | ||
| Q1 25 | 2.8% | 17.0% | ||
| Q4 24 | 13.6% | 11.3% | ||
| Q3 24 | 4.4% | 9.0% | ||
| Q2 24 | 3.5% | 12.8% |
现金转化率LKFNPDFS
| Q1 26 | — | — | ||
| Q4 25 | 3.84× | — | ||
| Q3 25 | 1.37× | 2.54× | ||
| Q2 25 | 0.60× | -4.55× | ||
| Q1 25 | 1.44× | — | ||
| Q4 24 | 4.24× | 2.98× | ||
| Q3 24 | 0.77× | 4.20× | ||
| Q2 24 | 0.93× | 0.40× |
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
LKFN
| Net Interest Income | $56.8M | 81% |
| Noninterest Income | $12.9M | 19% |
PDFS
| Volumebased | $38.0M | 61% |
| Other | $24.4M | 39% |
