vs
NORTHPOINTE BANCSHARES INC（NPB）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
NORTHPOINTE BANCSHARES INC的季度营收约是PDF SOLUTIONS INC的1.0倍（$63.4M vs $62.4M），NORTHPOINTE BANCSHARES INC净利率更高（34.9% vs -0.1%，领先35.0%）
Northpointe Bancshares Inc是一家美国银行控股公司，通过旗下全资银行子公司开展业务，提供各类零售及商业银行服务，涵盖存款账户、住房抵押贷款、小微企业信贷、财富管理等，主要服务美国本土区域社区客户。
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。
NPB vs PDFS — 直观对比
营收规模更大
NPB
是对方的1.0倍
$62.4M
净利率更高
NPB
高出35.0%
-0.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $63.4M | $62.4M |
| 净利润 | $22.2M | $-48.0K |
| 毛利率 | — | 72.9% |
| 营业利润率 | — | 5.5% |
| 净利率 | 34.9% | -0.1% |
| 营收同比 | — | 24.6% |
| 净利润同比 | — | -108.9% |
| 每股收益（稀释后） | $0.62 | $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NPBPDFS
| Q1 26 | $63.4M | — | ||
| Q4 25 | $43.5M | $62.4M | ||
| Q3 25 | $40.3M | $57.1M | ||
| Q2 25 | $36.5M | $51.7M | ||
| Q1 25 | $30.4M | $47.8M | ||
| Q4 24 | — | $50.1M | ||
| Q3 24 | — | $46.4M | ||
| Q2 24 | — | $41.7M |
净利润NPBPDFS
| Q1 26 | $22.2M | — | ||
| Q4 25 | $23.6M | $-48.0K | ||
| Q3 25 | $22.2M | $1.3M | ||
| Q2 25 | $20.3M | $1.1M | ||
| Q1 25 | $17.2M | $-3.0M | ||
| Q4 24 | — | $539.0K | ||
| Q3 24 | — | $2.2M | ||
| Q2 24 | — | $1.7M |
毛利率NPBPDFS
| 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NPBPDFS
| Q1 26 | — | — | ||
| Q4 25 | 73.5% | 5.5% | ||
| Q3 25 | 72.3% | 8.5% | ||
| Q2 25 | 73.0% | 2.2% | ||
| Q1 25 | 74.4% | -7.4% | ||
| Q4 24 | — | 1.0% | ||
| Q3 24 | — | 4.6% | ||
| Q2 24 | — | 0.6% |
净利率NPBPDFS
| Q1 26 | 34.9% | — | ||
| Q4 25 | 54.4% | -0.1% | ||
| Q3 25 | 55.0% | 2.3% | ||
| Q2 25 | 55.7% | 2.2% | ||
| Q1 25 | 56.8% | -6.3% | ||
| Q4 24 | — | 1.1% | ||
| Q3 24 | — | 4.8% | ||
| Q2 24 | — | 4.1% |
每股收益（稀释后）NPBPDFS
| Q1 26 | $0.62 | — | ||
| Q4 25 | $0.54 | $0.00 | ||
| Q3 25 | $0.57 | $0.03 | ||
| Q2 25 | $0.51 | $0.03 | ||
| Q1 25 | $0.49 | $-0.08 | ||
| Q4 24 | — | $0.01 | ||
| Q3 24 | — | $0.06 | ||
| Q2 24 | — | $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 | $487.6M | $42.2M |
| 总债务越低越好 | — | $67.0M |
| 股东权益账面价值 | $590.0M | $271.0M |
| 总资产 | $7.4B | $418.7M |
| 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NPBPDFS
| Q1 26 | $487.6M | — | ||
| Q4 25 | $496.5M | $42.2M | ||
| Q3 25 | $419.2M | $35.9M | ||
| Q2 25 | $415.7M | $40.4M | ||
| Q1 25 | $321.5M | $54.1M | ||
| Q4 24 | — | $114.9M | ||
| Q3 24 | — | $120.2M | ||
| Q2 24 | — | $117.9M |
总债务NPBPDFS
| Q1 26 | — | — | ||
| Q4 25 | — | $67.0M | ||
| Q3 25 | — | $67.6M | ||
| Q2 25 | — | $68.1M | ||
| Q1 25 | — | $68.7M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益NPBPDFS
| Q1 26 | $590.0M | — | ||
| Q4 25 | $569.0M | $271.0M | ||
| Q3 25 | $623.5M | $264.4M | ||
| Q2 25 | $604.3M | $257.5M | ||
| Q1 25 | $586.5M | $249.0M | ||
| Q4 24 | — | $246.0M | ||
| Q3 24 | — | $240.5M | ||
| Q2 24 | — | $232.2M |
总资产NPBPDFS
| Q1 26 | $7.4B | — | ||
| Q4 25 | $7.0B | $418.7M | ||
| Q3 25 | $6.8B | $406.4M | ||
| Q2 25 | $6.4B | $391.1M | ||
| Q1 25 | $5.9B | $390.0M | ||
| Q4 24 | — | $315.3M | ||
| Q3 24 | — | $307.4M | ||
| Q2 24 | — | $298.0M |
负债/权益比NPBPDFS
| Q1 26 | — | — | ||
| Q4 25 | — | 0.25× | ||
| Q3 25 | — | 0.26× | ||
| Q2 25 | — | 0.26× | ||
| Q1 25 | — | 0.28× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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NPBPDFS
| Q1 26 | — | — | ||
| Q4 25 | $-28.3M | $17.3M | ||
| Q3 25 | $90.4M | $3.3M | ||
| Q2 25 | $-72.3M | $-5.2M | ||
| Q1 25 | $54.4M | $8.6M | ||
| Q4 24 | — | $1.6M | ||
| Q3 24 | — | $9.3M | ||
| Q2 24 | — | $684.0K |
自由现金流NPBPDFS
| Q1 26 | — | — | ||
| Q4 25 | $-28.8M | $7.5M | ||
| Q3 25 | $89.6M | $-2.9M | ||
| Q2 25 | $-73.4M | $-13.8M | ||
| Q1 25 | $54.1M | $535.0K | ||
| Q4 24 | — | $-4.0M | ||
| Q3 24 | — | $5.1M | ||
| Q2 24 | — | $-4.6M |
自由现金流率NPBPDFS
| Q1 26 | — | — | ||
| Q4 25 | -66.1% | 12.1% | ||
| Q3 25 | 222.3% | -5.1% | ||
| Q2 25 | -201.1% | -26.6% | ||
| Q1 25 | 178.0% | 1.1% | ||
| Q4 24 | — | -8.0% | ||
| Q3 24 | — | 11.0% | ||
| Q2 24 | — | -11.1% |
资本支出强度NPBPDFS
| Q1 26 | — | — | ||
| Q4 25 | 1.2% | 15.7% | ||
| Q3 25 | 2.0% | 10.8% | ||
| Q2 25 | 3.1% | 16.5% | ||
| Q1 25 | 1.1% | 17.0% | ||
| Q4 24 | — | 11.3% | ||
| Q3 24 | — | 9.0% | ||
| Q2 24 | — | 12.8% |
现金转化率NPBPDFS
| Q1 26 | — | — | ||
| Q4 25 | -1.20× | — | ||
| Q3 25 | 4.08× | 2.54× | ||
| Q2 25 | -3.55× | -4.55× | ||
| Q1 25 | 3.16× | — | ||
| Q4 24 | — | 2.98× | ||
| Q3 24 | — | 4.20× | ||
| Q2 24 | — | 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
NPB
| Net Interest Income | $41.3M | 65% |
| Noninterest Income | $22.1M | 35% |
PDFS
| Volumebased | $38.0M | 61% |
| Other | $24.4M | 39% |
