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NORTHPOINTE BANCSHARES INC（NPB）与null（SWIM）财务数据对比。点击上方公司名可切换其他公司
null的季度营收约是NORTHPOINTE BANCSHARES INC的1.6倍（$100.0M vs $63.4M），NORTHPOINTE BANCSHARES INC净利率更高（34.9% vs -7.0%，领先41.9%）
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。
该企业是一家源自美国的跨国律师事务所，1934年创立于加利福尼亚州洛杉矶，在诉讼业务、公司法务以及监管合规法律领域拥有深厚的行业积累与知名度，是全球颇具影响力的综合性律所之一。
NPB vs SWIM — 直观对比
营收规模更大
SWIM
是对方的1.6倍
$63.4M
净利率更高
NPB
高出41.9%
-7.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $63.4M | $100.0M |
| 净利润 | $22.2M | $-7.0M |
| 毛利率 | — | 28.0% |
| 营业利润率 | — | -10.7% |
| 净利率 | 34.9% | -7.0% |
| 营收同比 | — | 14.5% |
| 净利润同比 | — | 76.0% |
| 每股收益（稀释后） | $0.62 | $-0.06 |
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NPBSWIM
| Q1 26 | $63.4M | — | ||
| Q4 25 | $43.5M | $100.0M | ||
| Q3 25 | $40.3M | $161.9M | ||
| Q2 25 | $36.5M | $172.6M | ||
| Q1 25 | $30.4M | $111.4M | ||
| Q4 24 | — | $87.3M | ||
| Q3 24 | — | $150.5M | ||
| Q2 24 | — | $160.1M |
净利润NPBSWIM
| Q1 26 | $22.2M | — | ||
| Q4 25 | $23.6M | $-7.0M | ||
| Q3 25 | $22.2M | $8.1M | ||
| Q2 25 | $20.3M | $16.0M | ||
| Q1 25 | $17.2M | $-6.0M | ||
| Q4 24 | — | $-29.2M | ||
| Q3 24 | — | $5.9M | ||
| Q2 24 | — | $13.3M |
毛利率NPBSWIM
| Q1 26 | — | — | ||
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 35.4% | ||
| Q2 25 | — | 37.1% | ||
| Q1 25 | — | 29.5% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 32.4% | ||
| Q2 24 | — | 33.1% |
营业利润率NPBSWIM
| Q1 26 | — | — | ||
| Q4 25 | 73.5% | -10.7% | ||
| Q3 25 | 72.3% | 13.3% | ||
| Q2 25 | 73.0% | 14.3% | ||
| Q1 25 | 74.4% | -4.4% | ||
| Q4 24 | — | -14.9% | ||
| Q3 24 | — | 8.9% | ||
| Q2 24 | — | 12.5% |
净利率NPBSWIM
| Q1 26 | 34.9% | — | ||
| Q4 25 | 54.4% | -7.0% | ||
| Q3 25 | 55.0% | 5.0% | ||
| Q2 25 | 55.7% | 9.3% | ||
| Q1 25 | 56.8% | -5.4% | ||
| Q4 24 | — | -33.4% | ||
| Q3 24 | — | 3.9% | ||
| Q2 24 | — | 8.3% |
每股收益（稀释后）NPBSWIM
| Q1 26 | $0.62 | — | ||
| Q4 25 | $0.54 | $-0.06 | ||
| Q3 25 | $0.57 | $0.07 | ||
| Q2 25 | $0.51 | $0.13 | ||
| Q1 25 | $0.49 | $-0.05 | ||
| Q4 24 | — | $-0.24 | ||
| Q3 24 | — | $0.05 | ||
| Q2 24 | — | $0.11 |
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 | — |
| 总债务越低越好 | — | $279.8M |
| 股东权益账面价值 | $590.0M | $405.9M |
| 总资产 | $7.4B | $823.2M |
| 负债/权益比越低杠杆越低 | — | 0.69× |
8季度趋势，按日历期对齐
现金及短期投资NPBSWIM
| Q1 26 | $487.6M | — | ||
| Q4 25 | $496.5M | — | ||
| Q3 25 | $419.2M | — | ||
| Q2 25 | $415.7M | — | ||
| Q1 25 | $321.5M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
总债务NPBSWIM
| Q1 26 | — | — | ||
| Q4 25 | — | $279.8M | ||
| Q3 25 | — | $281.1M | ||
| Q2 25 | — | $281.5M | ||
| Q1 25 | — | $306.9M | ||
| Q4 24 | — | $281.5M | ||
| Q3 24 | — | $282.8M | ||
| Q2 24 | — | $282.4M |
股东权益NPBSWIM
| Q1 26 | $590.0M | — | ||
| Q4 25 | $569.0M | $405.9M | ||
| Q3 25 | $623.5M | $408.4M | ||
| Q2 25 | $604.3M | $398.4M | ||
| Q1 25 | $586.5M | $381.1M | ||
| Q4 24 | — | $387.2M | ||
| Q3 24 | — | $416.6M | ||
| Q2 24 | — | $408.1M |
总资产NPBSWIM
| Q1 26 | $7.4B | — | ||
| Q4 25 | $7.0B | $823.2M | ||
| Q3 25 | $6.8B | $844.4M | ||
| Q2 25 | $6.4B | $822.1M | ||
| Q1 25 | $5.9B | $824.6M | ||
| Q4 24 | — | $794.2M | ||
| Q3 24 | — | $853.4M | ||
| Q2 24 | — | $830.0M |
负债/权益比NPBSWIM
| Q1 26 | — | — | ||
| Q4 25 | — | 0.69× | ||
| Q3 25 | — | 0.69× | ||
| Q2 25 | — | 0.71× | ||
| Q1 25 | — | 0.81× | ||
| Q4 24 | — | 0.73× | ||
| Q3 24 | — | 0.68× | ||
| Q2 24 | — | 0.69× |
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 | — | $23.3M |
| 自由现金流经营现金流 - 资本支出 | — | $14.1M |
| 自由现金流率自由现金流/营收 | — | 14.1% |
| 资本支出强度资本支出/营收 | — | 9.2% |
| 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 | — | $38.0M |
8季度趋势，按日历期对齐
经营现金流NPBSWIM
| Q1 26 | — | — | ||
| Q4 25 | $-28.3M | $23.3M | ||
| Q3 25 | $90.4M | $51.0M | ||
| Q2 25 | $-72.3M | $36.0M | ||
| Q1 25 | $54.4M | $-46.9M | ||
| Q4 24 | — | $6.2M | ||
| Q3 24 | — | $37.2M | ||
| Q2 24 | — | $52.4M |
自由现金流NPBSWIM
| Q1 26 | — | — | ||
| Q4 25 | $-28.8M | $14.1M | ||
| Q3 25 | $89.6M | $45.2M | ||
| Q2 25 | $-73.4M | $29.1M | ||
| Q1 25 | $54.1M | $-50.3M | ||
| Q4 24 | — | $-98.0K | ||
| Q3 24 | — | $33.2M | ||
| Q2 24 | — | $47.9M |
自由现金流率NPBSWIM
| Q1 26 | — | — | ||
| Q4 25 | -66.1% | 14.1% | ||
| Q3 25 | 222.3% | 27.9% | ||
| Q2 25 | -201.1% | 16.8% | ||
| Q1 25 | 178.0% | -45.2% | ||
| Q4 24 | — | -0.1% | ||
| Q3 24 | — | 22.1% | ||
| Q2 24 | — | 29.9% |
资本支出强度NPBSWIM
| Q1 26 | — | — | ||
| Q4 25 | 1.2% | 9.2% | ||
| Q3 25 | 2.0% | 3.6% | ||
| Q2 25 | 3.1% | 4.0% | ||
| Q1 25 | 1.1% | 3.1% | ||
| Q4 24 | — | 7.2% | ||
| Q3 24 | — | 2.7% | ||
| Q2 24 | — | 2.8% |
现金转化率NPBSWIM
| Q1 26 | — | — | ||
| Q4 25 | -1.20× | — | ||
| Q3 25 | 4.08× | 6.29× | ||
| Q2 25 | -3.55× | 2.25× | ||
| Q1 25 | 3.16× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 6.32× | ||
| Q2 24 | — | 3.95× |
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% |
SWIM
| In Ground Swimming Pools | $50.2M | 50% |
| Covers | $37.0M | 37% |
| Liners | $12.7M | 13% |
