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Live Oak Bancshares, Inc.（LOB）与PUMA BIOTECHNOLOGY, INC.（PBYI）财务数据对比。点击上方公司名可切换其他公司
Live Oak Bancshares, Inc.的季度营收约是PUMA BIOTECHNOLOGY, INC.的1.9倍（$145.5M vs $75.5M），PUMA BIOTECHNOLOGY, INC.同比增速更快（27.7% vs 18.4%），过去两年PUMA BIOTECHNOLOGY, INC.的营收复合增速更高（31.3% 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。
彪马生物技术是一家公开上市的生物制药企业，总部位于美国加利福尼亚州洛杉矶，专注于创新药物研发相关业务，在生物制药领域开展研发与商业化运营。
LOB vs PBYI — 直观对比
营收规模更大
LOB
是对方的1.9倍
$75.5M
营收增速更快
PBYI
高出9.4%
18.4%
两年增速更快
PBYI
近两年复合增速
7.7%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $145.5M | $75.5M |
| 净利润 | $27.9M | — |
| 毛利率 | — | 69.3% |
| 营业利润率 | — | 22.7% |
| 净利率 | 19.2% | — |
| 营收同比 | 18.4% | 27.7% |
| 净利润同比 | 187.6% | — |
| 每股收益（稀释后） | $0.60 | $0.26 |
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LOBPBYI
| Q1 26 | $145.5M | — | ||
| Q4 25 | $161.9M | $75.5M | ||
| Q3 25 | $146.1M | $54.5M | ||
| Q2 25 | $143.7M | $52.4M | ||
| Q1 25 | $126.1M | $46.0M | ||
| Q4 24 | $116.9M | $59.1M | ||
| Q3 24 | $129.9M | $80.5M | ||
| Q2 24 | $125.5M | $47.1M |
净利润LOBPBYI
| Q1 26 | $27.9M | — | ||
| Q4 25 | $46.2M | — | ||
| Q3 25 | $26.5M | $8.8M | ||
| Q2 25 | $23.4M | $5.9M | ||
| Q1 25 | $9.7M | $3.0M | ||
| Q4 24 | $9.9M | — | ||
| Q3 24 | $13.0M | $20.3M | ||
| Q2 24 | $27.0M | $-4.5M |
毛利率LOBPBYI
| Q1 26 | — | — | ||
| Q4 25 | — | 69.3% | ||
| Q3 25 | — | 77.7% | ||
| Q2 25 | — | 76.5% | ||
| Q1 25 | — | 77.1% | ||
| Q4 24 | — | 76.4% | ||
| Q3 24 | — | 63.9% | ||
| Q2 24 | — | 77.4% |
营业利润率LOBPBYI
| Q1 26 | — | — | ||
| Q4 25 | 38.2% | 22.7% | ||
| Q3 25 | 25.0% | 17.6% | ||
| Q2 25 | 21.7% | 12.7% | ||
| Q1 25 | 10.4% | 8.7% | ||
| Q4 24 | 11.3% | 22.6% | ||
| Q3 24 | 13.7% | 27.4% | ||
| Q2 24 | 28.7% | -4.6% |
净利率LOBPBYI
| Q1 26 | 19.2% | — | ||
| Q4 25 | 28.5% | — | ||
| Q3 25 | 18.1% | 16.2% | ||
| Q2 25 | 16.3% | 11.2% | ||
| Q1 25 | 7.7% | 6.5% | ||
| Q4 24 | 8.5% | — | ||
| Q3 24 | 10.0% | 25.2% | ||
| Q2 24 | 21.5% | -9.6% |
每股收益（稀释后）LOBPBYI
| Q1 26 | $0.60 | — | ||
| Q4 25 | $0.96 | $0.26 | ||
| Q3 25 | $0.55 | $0.17 | ||
| Q2 25 | $0.51 | $0.12 | ||
| Q1 25 | $0.21 | $0.06 | ||
| Q4 24 | $0.22 | $0.40 | ||
| Q3 24 | $0.28 | $0.41 | ||
| Q2 24 | $0.59 | $-0.09 |
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 | — | $97.5M |
| 总债务越低越好 | — | $22.7M |
| 股东权益账面价值 | $1.3B | $130.3M |
| 总资产 | $15.3B | $216.3M |
| 负债/权益比越低杠杆越低 | — | 0.17× |
8季度趋势，按日历期对齐
现金及短期投资LOBPBYI
| Q1 26 | — | — | ||
| Q4 25 | — | $97.5M | ||
| Q3 25 | — | $94.4M | ||
| Q2 25 | — | $96.0M | ||
| Q1 25 | — | $93.2M | ||
| Q4 24 | — | $101.0M | ||
| Q3 24 | — | $96.7M | ||
| Q2 24 | — | $96.8M |
总债务LOBPBYI
| Q1 26 | — | — | ||
| Q4 25 | — | $22.7M | ||
| Q3 25 | — | $34.0M | ||
| Q2 25 | — | $45.3M | ||
| Q1 25 | — | $56.7M | ||
| Q4 24 | — | $68.0M | ||
| Q3 24 | — | $79.3M | ||
| Q2 24 | — | $90.7M |
股东权益LOBPBYI
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.2B | $130.3M | ||
| Q3 25 | $1.2B | $115.3M | ||
| Q2 25 | $1.1B | $104.7M | ||
| Q1 25 | $1.0B | $97.1M | ||
| Q4 24 | $999.0M | $92.1M | ||
| Q3 24 | $1.0B | $71.1M | ||
| Q2 24 | $961.0M | $48.5M |
总资产LOBPBYI
| Q1 26 | $15.3B | — | ||
| Q4 25 | $15.1B | $216.3M | ||
| Q3 25 | $14.7B | $202.9M | ||
| Q2 25 | $13.8B | $194.9M | ||
| Q1 25 | $13.6B | $196.2M | ||
| Q4 24 | $12.9B | $213.3M | ||
| Q3 24 | $12.6B | $220.7M | ||
| Q2 24 | $11.9B | $205.0M |
负债/权益比LOBPBYI
| Q1 26 | — | — | ||
| Q4 25 | — | 0.17× | ||
| Q3 25 | — | 0.30× | ||
| Q2 25 | — | 0.43× | ||
| Q1 25 | — | 0.58× | ||
| Q4 24 | — | 0.74× | ||
| Q3 24 | — | 1.12× | ||
| Q2 24 | — | 1.87× |
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 | — | $14.4M |
| 自由现金流经营现金流 - 资本支出 | — | $14.4M |
| 自由现金流率自由现金流/营收 | — | 19.1% |
| 资本支出强度资本支出/营收 | — | 0.0% |
| 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 | — | $41.7M |
8季度趋势，按日历期对齐
经营现金流LOBPBYI
| Q1 26 | — | — | ||
| Q4 25 | $158.2M | $14.4M | ||
| Q3 25 | $62.3M | $9.7M | ||
| Q2 25 | $49.2M | $14.1M | ||
| Q1 25 | $-33.0M | $3.6M | ||
| Q4 24 | $156.8M | $15.6M | ||
| Q3 24 | $47.4M | $11.0M | ||
| Q2 24 | $29.5M | $1.0M |
自由现金流LOBPBYI
| Q1 26 | — | — | ||
| Q4 25 | $143.5M | $14.4M | ||
| Q3 25 | $60.6M | $9.7M | ||
| Q2 25 | $47.8M | $14.1M | ||
| Q1 25 | $-35.3M | $3.6M | ||
| Q4 24 | $107.5M | $15.6M | ||
| Q3 24 | $41.0M | $11.0M | ||
| Q2 24 | $12.3M | $1.0M |
自由现金流率LOBPBYI
| Q1 26 | — | — | ||
| Q4 25 | 88.6% | 19.1% | ||
| Q3 25 | 41.4% | 17.7% | ||
| Q2 25 | 33.3% | 26.8% | ||
| Q1 25 | -28.0% | 7.7% | ||
| Q4 24 | 91.9% | 26.4% | ||
| Q3 24 | 31.6% | 13.7% | ||
| Q2 24 | 9.8% | 2.1% |
资本支出强度LOBPBYI
| Q1 26 | — | — | ||
| Q4 25 | 9.1% | 0.0% | ||
| Q3 25 | 1.2% | 0.0% | ||
| Q2 25 | 1.0% | 0.0% | ||
| Q1 25 | 1.8% | 0.1% | ||
| Q4 24 | 42.2% | 0.0% | ||
| Q3 24 | 4.9% | 0.0% | ||
| Q2 24 | 13.7% | 0.0% |
现金转化率LOBPBYI
| Q1 26 | — | — | ||
| Q4 25 | 3.42× | — | ||
| Q3 25 | 2.35× | 1.10× | ||
| Q2 25 | 2.10× | 2.41× | ||
| Q1 25 | -3.39× | 1.21× | ||
| Q4 24 | 15.84× | — | ||
| Q3 24 | 3.64× | 0.54× | ||
| 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
