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NORTHPOINTE BANCSHARES INC（NPB）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NORTHPOINTE BANCSHARES INC的1.3倍（$81.3M vs $63.4M），NORTHPOINTE BANCSHARES INC净利率更高（34.9% vs -72.8%，领先107.8%）
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。
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。
NPB vs PL — 直观对比
营收规模更大
PL
是对方的1.3倍
$63.4M
净利率更高
NPB
高出107.8%
-72.8%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $63.4M | $81.3M |
| 净利润 | $22.2M | $-59.2M |
| 毛利率 | — | 57.3% |
| 营业利润率 | — | -22.6% |
| 净利率 | 34.9% | -72.8% |
| 营收同比 | — | 32.6% |
| 净利润同比 | — | -194.7% |
| 每股收益（稀释后） | $0.62 | $-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NPBPL
| Q1 26 | $63.4M | — | ||
| Q4 25 | $43.5M | $81.3M | ||
| Q3 25 | $40.3M | $73.4M | ||
| Q2 25 | $36.5M | $66.3M | ||
| Q1 25 | $30.4M | $61.6M | ||
| Q4 24 | — | $61.3M | ||
| Q3 24 | — | $61.1M | ||
| Q2 24 | — | $60.4M |
净利润NPBPL
| Q1 26 | $22.2M | — | ||
| Q4 25 | $23.6M | $-59.2M | ||
| Q3 25 | $22.2M | $-22.6M | ||
| Q2 25 | $20.3M | $-12.6M | ||
| Q1 25 | $17.2M | $-35.2M | ||
| Q4 24 | — | $-20.1M | ||
| Q3 24 | — | $-38.7M | ||
| Q2 24 | — | $-29.3M |
毛利率NPBPL
| 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NPBPL
| Q1 26 | — | — | ||
| Q4 25 | 73.5% | -22.6% | ||
| Q3 25 | 72.3% | -24.5% | ||
| Q2 25 | 73.0% | -34.4% | ||
| Q1 25 | 74.4% | -31.5% | ||
| Q4 24 | — | -36.9% | ||
| Q3 24 | — | -64.8% | ||
| Q2 24 | — | -57.2% |
净利率NPBPL
| Q1 26 | 34.9% | — | ||
| Q4 25 | 54.4% | -72.8% | ||
| Q3 25 | 55.0% | -30.8% | ||
| Q2 25 | 55.7% | -19.1% | ||
| Q1 25 | 56.8% | -57.1% | ||
| Q4 24 | — | -32.8% | ||
| Q3 24 | — | -63.3% | ||
| Q2 24 | — | -48.5% |
每股收益（稀释后）NPBPL
| Q1 26 | $0.62 | — | ||
| Q4 25 | $0.54 | $-0.19 | ||
| Q3 25 | $0.57 | $-0.07 | ||
| Q2 25 | $0.51 | $-0.04 | ||
| Q1 25 | $0.49 | $-0.12 | ||
| Q4 24 | — | $-0.07 | ||
| Q3 24 | — | $-0.13 | ||
| Q2 24 | — | $-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 | $487.6M | $443.3M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $590.0M | $349.6M |
| 总资产 | $7.4B | $1.1B |
| 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NPBPL
| Q1 26 | $487.6M | — | ||
| Q4 25 | $496.5M | $443.3M | ||
| Q3 25 | $419.2M | $181.1M | ||
| Q2 25 | $415.7M | $133.5M | ||
| Q1 25 | $321.5M | $118.0M | ||
| Q4 24 | — | $139.0M | ||
| Q3 24 | — | $148.3M | ||
| Q2 24 | — | $107.4M |
股东权益NPBPL
| Q1 26 | $590.0M | — | ||
| Q4 25 | $569.0M | $349.6M | ||
| Q3 25 | $623.5M | $435.7M | ||
| Q2 25 | $604.3M | $444.8M | ||
| Q1 25 | $586.5M | $441.3M | ||
| Q4 24 | — | $464.6M | ||
| Q3 24 | — | $473.2M | ||
| Q2 24 | — | $500.3M |
总资产NPBPL
| Q1 26 | $7.4B | — | ||
| Q4 25 | $7.0B | $1.1B | ||
| Q3 25 | $6.8B | $696.4M | ||
| Q2 25 | $6.4B | $658.4M | ||
| Q1 25 | $5.9B | $633.8M | ||
| Q4 24 | — | $630.8M | ||
| Q3 24 | — | $658.4M | ||
| Q2 24 | — | $674.6M |
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NPBPL
| Q1 26 | — | — | ||
| Q4 25 | $-28.3M | $28.6M | ||
| Q3 25 | $90.4M | $67.8M | ||
| Q2 25 | $-72.3M | $17.3M | ||
| Q1 25 | $54.4M | $-6.3M | ||
| Q4 24 | — | $4.1M | ||
| Q3 24 | — | $-7.9M | ||
| Q2 24 | — | $-4.3M |
自由现金流NPBPL
| Q1 26 | — | — | ||
| Q4 25 | $-28.8M | $1.9M | ||
| Q3 25 | $89.6M | $47.5M | ||
| Q2 25 | $-73.4M | $9.2M | ||
| Q1 25 | $54.1M | $-17.9M | ||
| Q4 24 | — | $-3.6M | ||
| Q3 24 | — | $-23.0M | ||
| Q2 24 | — | $-14.2M |
自由现金流率NPBPL
| Q1 26 | — | — | ||
| Q4 25 | -66.1% | 2.3% | ||
| Q3 25 | 222.3% | 64.7% | ||
| Q2 25 | -201.1% | 13.9% | ||
| Q1 25 | 178.0% | -29.1% | ||
| Q4 24 | — | -5.8% | ||
| Q3 24 | — | -37.6% | ||
| Q2 24 | — | -23.6% |
资本支出强度NPBPL
| Q1 26 | — | — | ||
| Q4 25 | 1.2% | 32.9% | ||
| Q3 25 | 2.0% | 27.6% | ||
| Q2 25 | 3.1% | 12.3% | ||
| Q1 25 | 1.1% | 18.9% | ||
| Q4 24 | — | 12.5% | ||
| Q3 24 | — | 24.8% | ||
| Q2 24 | — | 16.4% |
现金转化率NPBPL
| Q1 26 | — | — | ||
| Q4 25 | -1.20× | — | ||
| Q3 25 | 4.08× | — | ||
| Q2 25 | -3.55× | — | ||
| Q1 25 | 3.16× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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% |
PL
| Defense And Intelligence | $49.4M | 61% |
| Civil Government | $18.8M | 23% |
| Commercial | $13.1M | 16% |
