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Live Oak Bancshares, Inc.（LOB）与OneStream, Inc.（OS）财务数据对比。点击上方公司名可切换其他公司
OneStream, Inc.的季度营收约是Live Oak Bancshares, Inc.的1.1倍（$163.7M vs $145.5M），Live Oak Bancshares, Inc.净利率更高（19.2% vs 0.6%，领先18.6%），OneStream, Inc.同比增速更快（23.6% vs 18.4%），过去两年OneStream, Inc.的营收复合增速更高（21.8% vs 7.7%）
Live Oak Bancshares, Inc.是一家美国金融控股公司，旗下子公司Live Oak Bank总部位于北卡罗来纳州威尔明顿，业务覆盖美国全部50个州，专注为小企业主提供金融服务，2022年按放贷金额计是美国SBA 7(a)贷款项目的头部放贷机构。
Blue Stream面向美国佛罗里达州科勒尔斯普林斯、韦斯顿两地的居民及商业客户，提供有线电视、有线固话、数字录像服务，以及最高速率达1G的宽带互联网接入服务，深耕当地通信市场，为用户提供稳定可靠的多元通信解决方案。
LOB vs OS — 直观对比
营收规模更大
OS
是对方的1.1倍
$145.5M
营收增速更快
OS
高出5.2%
18.4%
净利率更高
LOB
高出18.6%
0.6%
两年增速更快
OS
近两年复合增速
7.7%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $145.5M | $163.7M |
| 净利润 | $27.9M | $999.0K |
| 毛利率 | — | 69.8% |
| 营业利润率 | — | -3.2% |
| 净利率 | 19.2% | 0.6% |
| 营收同比 | 18.4% | 23.6% |
| 净利润同比 | 187.6% | — |
| 每股收益（稀释后） | $0.60 | — |
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LOBOS
| Q1 26 | $145.5M | — | ||
| Q4 25 | $161.9M | $163.7M | ||
| Q3 25 | $146.1M | $154.3M | ||
| Q2 25 | $143.7M | $147.6M | ||
| Q1 25 | $126.1M | $136.3M | ||
| Q4 24 | $116.9M | $132.5M | ||
| Q3 24 | $129.9M | $129.1M | ||
| Q2 24 | $125.5M | $117.5M |
净利润LOBOS
| Q1 26 | $27.9M | — | ||
| Q4 25 | $46.2M | $999.0K | ||
| Q3 25 | $26.5M | $-8.8M | ||
| Q2 25 | $23.4M | $-18.4M | ||
| Q1 25 | $9.7M | $-24.0M | ||
| Q4 24 | $9.9M | — | ||
| Q3 24 | $13.0M | $-171.9M | ||
| Q2 24 | $27.0M | $-7.8M |
毛利率LOBOS
| Q1 26 | — | — | ||
| Q4 25 | — | 69.8% | ||
| Q3 25 | — | 68.1% | ||
| Q2 25 | — | 68.6% | ||
| Q1 25 | — | 68.0% | ||
| Q4 24 | — | 66.8% | ||
| Q3 24 | — | 50.1% | ||
| Q2 24 | — | 68.5% |
营业利润率LOBOS
| Q1 26 | — | — | ||
| Q4 25 | 38.2% | -3.2% | ||
| Q3 25 | 25.0% | -11.3% | ||
| Q2 25 | 21.7% | -21.8% | ||
| Q1 25 | 10.4% | -29.3% | ||
| Q4 24 | 11.3% | -35.8% | ||
| Q3 24 | 13.7% | -197.6% | ||
| Q2 24 | 28.7% | -9.8% |
净利率LOBOS
| Q1 26 | 19.2% | — | ||
| Q4 25 | 28.5% | 0.6% | ||
| Q3 25 | 18.1% | -5.7% | ||
| Q2 25 | 16.3% | -12.5% | ||
| Q1 25 | 7.7% | -17.6% | ||
| Q4 24 | 8.5% | — | ||
| Q3 24 | 10.0% | -133.1% | ||
| Q2 24 | 21.5% | -6.7% |
每股收益（稀释后）LOBOS
| Q1 26 | $0.60 | — | ||
| Q4 25 | $0.96 | — | ||
| Q3 25 | $0.55 | — | ||
| Q2 25 | $0.51 | — | ||
| Q1 25 | $0.21 | — | ||
| Q4 24 | $0.22 | — | ||
| Q3 24 | $0.28 | $-1.06 | ||
| Q2 24 | $0.59 | — |
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 | — | $693.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.3B | $504.7M |
| 总资产 | $15.3B | $1.0B |
| 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LOBOS
| Q1 26 | — | — | ||
| Q4 25 | — | $693.6M | ||
| Q3 25 | — | $653.9M | ||
| Q2 25 | — | $652.1M | ||
| Q1 25 | — | $593.9M | ||
| Q4 24 | — | $544.2M | ||
| Q3 24 | — | $495.5M | ||
| Q2 24 | — | $140.5M |
股东权益LOBOS
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.2B | $504.7M | ||
| Q3 25 | $1.2B | $472.1M | ||
| Q2 25 | $1.1B | $458.2M | ||
| Q1 25 | $1.0B | $412.9M | ||
| Q4 24 | $999.0M | $386.2M | ||
| Q3 24 | $1.0B | $458.2M | ||
| Q2 24 | $961.0M | $97.5M |
总资产LOBOS
| Q1 26 | $15.3B | — | ||
| Q4 25 | $15.1B | $1.0B | ||
| Q3 25 | $14.7B | $949.4M | ||
| Q2 25 | $13.8B | $910.5M | ||
| Q1 25 | $13.6B | $867.3M | ||
| Q4 24 | $12.9B | $823.2M | ||
| Q3 24 | $12.6B | $750.1M | ||
| Q2 24 | $11.9B | $379.7M |
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 | — | $25.8M |
| 自由现金流经营现金流 - 资本支出 | — | $25.6M |
| 自由现金流率自由现金流/营收 | — | 15.7% |
| 资本支出强度资本支出/营收 | — | 0.1% |
| 现金转化率经营现金流/净利润 | — | 25.79× |
| 过去12个月自由现金流最近4个季度 | — | $95.6M |
8季度趋势，按日历期对齐
经营现金流LOBOS
| Q1 26 | — | — | ||
| Q4 25 | $158.2M | $25.8M | ||
| Q3 25 | $62.3M | $5.0M | ||
| Q2 25 | $49.2M | $29.7M | ||
| Q1 25 | $-33.0M | $36.2M | ||
| Q4 24 | $156.8M | — | ||
| Q3 24 | $47.4M | $2.4M | ||
| Q2 24 | $29.5M | $8.1M |
自由现金流LOBOS
| Q1 26 | — | — | ||
| Q4 25 | $143.5M | $25.6M | ||
| Q3 25 | $60.6M | $4.8M | ||
| Q2 25 | $47.8M | $29.4M | ||
| Q1 25 | $-35.3M | $35.8M | ||
| Q4 24 | $107.5M | — | ||
| Q3 24 | $41.0M | $1.3M | ||
| Q2 24 | $12.3M | $7.7M |
自由现金流率LOBOS
| Q1 26 | — | — | ||
| Q4 25 | 88.6% | 15.7% | ||
| Q3 25 | 41.4% | 3.1% | ||
| Q2 25 | 33.3% | 19.9% | ||
| Q1 25 | -28.0% | 26.3% | ||
| Q4 24 | 91.9% | — | ||
| Q3 24 | 31.6% | 1.0% | ||
| Q2 24 | 9.8% | 6.6% |
资本支出强度LOBOS
| Q1 26 | — | — | ||
| Q4 25 | 9.1% | 0.1% | ||
| Q3 25 | 1.2% | 0.1% | ||
| Q2 25 | 1.0% | 0.2% | ||
| Q1 25 | 1.8% | 0.3% | ||
| Q4 24 | 42.2% | — | ||
| Q3 24 | 4.9% | 0.8% | ||
| Q2 24 | 13.7% | 0.3% |
现金转化率LOBOS
| Q1 26 | — | — | ||
| Q4 25 | 3.42× | 25.79× | ||
| Q3 25 | 2.35× | — | ||
| Q2 25 | 2.10× | — | ||
| Q1 25 | -3.39× | — | ||
| Q4 24 | 15.84× | — | ||
| Q3 24 | 3.64× | — | ||
| Q2 24 | 1.10× | — |
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
LOB
暂无分部数据
OS
| Subscription And Circulation | $150.3M | 92% |
| Professional Services And Other | $9.4M | 6% |
| License | $4.0M | 2% |
