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LAKELAND FINANCIAL CORP（LKFN）与Planet Labs PBC（PL）财务数据对比。点击上方公司名可切换其他公司
Planet Labs PBC的季度营收约是LAKELAND FINANCIAL CORP的1.2倍（$81.3M vs $69.7M），LAKELAND FINANCIAL CORP净利率更高（38.0% vs -72.8%，领先110.8%），过去两年Planet Labs PBC的营收复合增速更高（17.5% 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。
Planet Labs PBC（常简称为Planet）是总部位于美国加利福尼亚州旧金山的上市地球影像企业，核心目标是实现全球范围的每日成像，以此监测地表变化、精准识别相关趋势，为多行业的地理数据分析需求提供可靠的数据支持。
LKFN vs PL — 直观对比
营收规模更大
PL
是对方的1.2倍
$69.7M
净利率更高
LKFN
高出110.8%
-72.8%
两年增速更快
PL
近两年复合增速
0.7%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $69.7M | $81.3M |
| 净利润 | $26.5M | $-59.2M |
| 毛利率 | — | 57.3% |
| 营业利润率 | — | -22.6% |
| 净利率 | 38.0% | -72.8% |
| 营收同比 | — | 32.6% |
| 净利润同比 | 31.8% | -194.7% |
| 每股收益（稀释后） | $1.04 | $-0.19 |
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LKFNPL
| Q1 26 | $69.7M | — | ||
| Q4 25 | $69.8M | $81.3M | ||
| Q3 25 | $69.0M | $73.4M | ||
| Q2 25 | $66.4M | $66.3M | ||
| Q1 25 | $63.8M | $61.6M | ||
| Q4 24 | $63.6M | $61.3M | ||
| Q3 24 | $61.2M | $61.1M | ||
| Q2 24 | $68.7M | $60.4M |
净利润LKFNPL
| Q1 26 | $26.5M | — | ||
| Q4 25 | $29.9M | $-59.2M | ||
| Q3 25 | $26.4M | $-22.6M | ||
| Q2 25 | $27.0M | $-12.6M | ||
| Q1 25 | $20.1M | $-35.2M | ||
| Q4 24 | $24.2M | $-20.1M | ||
| Q3 24 | $23.3M | $-38.7M | ||
| Q2 24 | $22.5M | $-29.3M |
毛利率LKFNPL
| Q1 26 | — | — | ||
| Q4 25 | — | 57.3% | ||
| Q3 25 | — | 57.6% | ||
| Q2 25 | — | 55.2% | ||
| Q1 25 | — | 62.1% | ||
| Q4 24 | — | 61.2% | ||
| Q3 24 | — | 52.9% | ||
| Q2 24 | — | 52.4% |
营业利润率LKFNPL
| Q1 26 | — | — | ||
| Q4 25 | 52.1% | -22.6% | ||
| Q3 25 | 46.4% | -24.5% | ||
| Q2 25 | 49.6% | -34.4% | ||
| Q1 25 | 38.0% | -31.5% | ||
| Q4 24 | 46.0% | -36.9% | ||
| Q3 24 | 45.3% | -64.8% | ||
| Q2 24 | 39.2% | -57.2% |
净利率LKFNPL
| Q1 26 | 38.0% | — | ||
| Q4 25 | 42.8% | -72.8% | ||
| Q3 25 | 38.3% | -30.8% | ||
| Q2 25 | 40.6% | -19.1% | ||
| Q1 25 | 31.5% | -57.1% | ||
| Q4 24 | 38.1% | -32.8% | ||
| Q3 24 | 38.1% | -63.3% | ||
| Q2 24 | 32.8% | -48.5% |
每股收益（稀释后）LKFNPL
| Q1 26 | $1.04 | — | ||
| Q4 25 | $1.16 | $-0.19 | ||
| Q3 25 | $1.03 | $-0.07 | ||
| Q2 25 | $1.04 | $-0.04 | ||
| Q1 25 | $0.78 | $-0.12 | ||
| Q4 24 | $0.94 | $-0.07 | ||
| Q3 24 | $0.91 | $-0.13 | ||
| Q2 24 | $0.87 | $-0.10 |
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 | $443.3M |
| 总债务越低越好 | $183.6M | — |
| 股东权益账面价值 | $749.0M | $349.6M |
| 总资产 | $7.1B | $1.1B |
| 负债/权益比越低杠杆越低 | 0.25× | — |
8季度趋势，按日历期对齐
现金及短期投资LKFNPL
| Q1 26 | $85.6M | — | ||
| Q4 25 | $141.3M | $443.3M | ||
| Q3 25 | $192.8M | $181.1M | ||
| Q2 25 | $310.2M | $133.5M | ||
| Q1 25 | $235.2M | $118.0M | ||
| Q4 24 | $168.2M | $139.0M | ||
| Q3 24 | $160.2M | $148.3M | ||
| Q2 24 | $121.2M | $107.4M |
总债务LKFNPL
| Q1 26 | $183.6M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $30.0M | — | ||
| Q2 24 | $55.0M | — |
股东权益LKFNPL
| Q1 26 | $749.0M | — | ||
| Q4 25 | $762.4M | $349.6M | ||
| Q3 25 | $747.4M | $435.7M | ||
| Q2 25 | $709.9M | $444.8M | ||
| Q1 25 | $694.4M | $441.3M | ||
| Q4 24 | $683.8M | $464.6M | ||
| Q3 24 | $699.1M | $473.2M | ||
| Q2 24 | $654.5M | $500.3M |
总资产LKFNPL
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.0B | $1.1B | ||
| Q3 25 | $6.9B | $696.4M | ||
| Q2 25 | $7.0B | $658.4M | ||
| Q1 25 | $6.9B | $633.8M | ||
| Q4 24 | $6.7B | $630.8M | ||
| Q3 24 | $6.6B | $658.4M | ||
| Q2 24 | $6.6B | $674.6M |
负债/权益比LKFNPL
| Q1 26 | 0.25× | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| 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 | — | $28.6M |
| 自由现金流经营现金流 - 资本支出 | — | $1.9M |
| 自由现金流率自由现金流/营收 | — | 2.3% |
| 资本支出强度资本支出/营收 | — | 32.9% |
| 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 | — | $40.7M |
8季度趋势，按日历期对齐
经营现金流LKFNPL
| Q1 26 | — | — | ||
| Q4 25 | $114.9M | $28.6M | ||
| Q3 25 | $36.1M | $67.8M | ||
| Q2 25 | $16.2M | $17.3M | ||
| Q1 25 | $28.9M | $-6.3M | ||
| Q4 24 | $102.5M | $4.1M | ||
| Q3 24 | $18.0M | $-7.9M | ||
| Q2 24 | $21.0M | $-4.3M |
自由现金流LKFNPL
| Q1 26 | — | — | ||
| Q4 25 | $103.8M | $1.9M | ||
| Q3 25 | $31.1M | $47.5M | ||
| Q2 25 | $14.1M | $9.2M | ||
| Q1 25 | $27.1M | $-17.9M | ||
| Q4 24 | $93.9M | $-3.6M | ||
| Q3 24 | $15.3M | $-23.0M | ||
| Q2 24 | $18.6M | $-14.2M |
自由现金流率LKFNPL
| Q1 26 | — | — | ||
| Q4 25 | 148.7% | 2.3% | ||
| Q3 25 | 45.0% | 64.7% | ||
| Q2 25 | 21.2% | 13.9% | ||
| Q1 25 | 42.5% | -29.1% | ||
| Q4 24 | 147.6% | -5.8% | ||
| Q3 24 | 25.0% | -37.6% | ||
| Q2 24 | 27.0% | -23.6% |
资本支出强度LKFNPL
| Q1 26 | — | — | ||
| Q4 25 | 15.9% | 32.9% | ||
| Q3 25 | 7.3% | 27.6% | ||
| Q2 25 | 3.2% | 12.3% | ||
| Q1 25 | 2.8% | 18.9% | ||
| Q4 24 | 13.6% | 12.5% | ||
| Q3 24 | 4.4% | 24.8% | ||
| Q2 24 | 3.5% | 16.4% |
现金转化率LKFNPL
| Q1 26 | — | — | ||
| Q4 25 | 3.84× | — | ||
| Q3 25 | 1.37× | — | ||
| Q2 25 | 0.60× | — | ||
| Q1 25 | 1.44× | — | ||
| Q4 24 | 4.24× | — | ||
| Q3 24 | 0.77× | — | ||
| Q2 24 | 0.93× | — |
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% |
PL
| Defense And Intelligence | $49.4M | 61% |
| Civil Government | $18.8M | 23% |
| Commercial | $13.1M | 16% |
