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OFG BANCORP（OFG）与Tarsus Pharmaceuticals, Inc.（TARS）财务数据对比。点击上方公司名可切换其他公司
OFG BANCORP的季度营收约是Tarsus Pharmaceuticals, Inc.的1.2倍（$184.3M vs $151.7M），OFG BANCORP净利率更高（30.3% vs -5.5%，领先35.8%），Tarsus Pharmaceuticals, Inc.同比增速更快（128.4% vs 0.9%），OFG BANCORP自由现金流更多（$199.3M vs $13.0M），过去两年Tarsus Pharmaceuticals, Inc.的营收复合增速更高（134.4% vs 2.8%）
OFG Bancorp成立于1964年，总部位于波多黎各圣胡安，是东方银行的金融控股公司。公司通过东方银行、东方金融服务有限责任公司、东方保险有限责任公司等核心子公司，主要面向波多黎各和美属维尔京群岛市场，提供多元化的零售与商业银行、贷款、财富管理相关产品、服务及技术解决方案。
Tarsus Pharmaceuticals是一家处于后期临床阶段的生物制药公司，专注于眼科、皮肤科等专科领域创新疗法的研发和商业化，主打产品针对蠕形螨睑缘炎、玫瑰痤疮等未被充分诊断的常见病症，核心市场为美国。
OFG vs TARS — 直观对比
营收规模更大
OFG
是对方的1.2倍
$151.7M
营收增速更快
TARS
高出127.5%
0.9%
净利率更高
OFG
高出35.8%
-5.5%
自由现金流更多
OFG
多$186.4M
$13.0M
两年增速更快
TARS
近两年复合增速
2.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $184.3M | $151.7M |
| 净利润 | $55.9M | $-8.4M |
| 毛利率 | — | — |
| 营业利润率 | 25.7% | -5.3% |
| 净利率 | 30.3% | -5.5% |
| 营收同比 | 0.9% | 128.4% |
| 净利润同比 | 11.0% | 63.8% |
| 每股收益（稀释后） | $1.27 | $-0.17 |
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OFGTARS
| Q4 25 | $184.3M | $151.7M | ||
| Q3 25 | $186.2M | $118.7M | ||
| Q2 25 | $182.4M | $102.7M | ||
| Q1 25 | $178.6M | $78.3M | ||
| Q4 24 | $182.7M | $66.4M | ||
| Q3 24 | $174.7M | $48.1M | ||
| Q2 24 | $179.8M | $40.8M | ||
| Q1 24 | $174.4M | $27.6M |
净利润OFGTARS
| Q4 25 | $55.9M | $-8.4M | ||
| Q3 25 | $51.8M | $-12.6M | ||
| Q2 25 | $51.8M | $-20.3M | ||
| Q1 25 | $45.6M | $-25.1M | ||
| Q4 24 | $50.3M | $-23.1M | ||
| Q3 24 | $47.0M | $-23.4M | ||
| Q2 24 | $51.1M | $-33.3M | ||
| Q1 24 | $49.7M | $-35.7M |
营业利润率OFGTARS
| Q4 25 | 25.7% | -5.3% | ||
| Q3 25 | 33.0% | -12.2% | ||
| Q2 25 | 36.1% | -21.6% | ||
| Q1 25 | 33.3% | -33.5% | ||
| Q4 24 | 28.9% | -36.8% | ||
| Q3 24 | 35.4% | -52.3% | ||
| Q2 24 | 39.6% | -81.6% | ||
| Q1 24 | 38.9% | -136.5% |
净利率OFGTARS
| Q4 25 | 30.3% | -5.5% | ||
| Q3 25 | 27.8% | -10.6% | ||
| Q2 25 | 28.4% | -19.8% | ||
| Q1 25 | 25.5% | -32.1% | ||
| Q4 24 | 27.6% | -34.8% | ||
| Q3 24 | 26.9% | -48.7% | ||
| Q2 24 | 28.4% | -81.6% | ||
| Q1 24 | 28.5% | -129.4% |
每股收益（稀释后）OFGTARS
| Q4 25 | $1.27 | $-0.17 | ||
| Q3 25 | $1.16 | $-0.30 | ||
| Q2 25 | $1.15 | $-0.48 | ||
| Q1 25 | $1.00 | $-0.64 | ||
| Q4 24 | $1.10 | $-0.57 | ||
| Q3 24 | $1.00 | $-0.61 | ||
| Q2 24 | $1.08 | $-0.88 | ||
| Q1 24 | $1.05 | $-1.01 |
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 | $1.0B | $417.3M |
| 总债务越低越好 | — | $72.4M |
| 股东权益账面价值 | $1.4B | $343.4M |
| 总资产 | $12.5B | $562.2M |
| 负债/权益比越低杠杆越低 | — | 0.21× |
8季度趋势，按日历期对齐
现金及短期投资OFGTARS
| Q4 25 | $1.0B | $417.3M | ||
| Q3 25 | $740.3M | $401.8M | ||
| Q2 25 | $851.8M | $381.1M | ||
| Q1 25 | $710.6M | $407.9M | ||
| Q4 24 | $591.1M | $291.4M | ||
| Q3 24 | $680.6M | $317.0M | ||
| Q2 24 | $740.4M | $323.6M | ||
| Q1 24 | $754.4M | $298.5M |
总债务OFGTARS
| Q4 25 | — | $72.4M | ||
| Q3 25 | — | $72.3M | ||
| Q2 25 | — | $72.1M | ||
| Q1 25 | — | $72.0M | ||
| Q4 24 | — | $71.8M | ||
| Q3 24 | — | $71.7M | ||
| Q2 24 | — | $71.6M | ||
| Q1 24 | — | $29.9M |
股东权益OFGTARS
| Q4 25 | $1.4B | $343.4M | ||
| Q3 25 | $1.4B | $335.1M | ||
| Q2 25 | $1.3B | $332.6M | ||
| Q1 25 | $1.3B | $342.5M | ||
| Q4 24 | $1.3B | $224.5M | ||
| Q3 24 | $1.3B | $237.5M | ||
| Q2 24 | $1.2B | $252.2M | ||
| Q1 24 | $1.2B | $275.2M |
总资产OFGTARS
| Q4 25 | $12.5B | $562.2M | ||
| Q3 25 | $12.2B | $534.6M | ||
| Q2 25 | $12.2B | $495.0M | ||
| Q1 25 | $11.7B | $500.8M | ||
| Q4 24 | $11.5B | $377.0M | ||
| Q3 24 | $11.5B | $376.3M | ||
| Q2 24 | $11.3B | $376.8M | ||
| Q1 24 | $11.2B | $349.3M |
负债/权益比OFGTARS
| Q4 25 | — | 0.21× | ||
| Q3 25 | — | 0.22× | ||
| Q2 25 | — | 0.22× | ||
| Q1 25 | — | 0.21× | ||
| Q4 24 | — | 0.32× | ||
| Q3 24 | — | 0.30× | ||
| Q2 24 | — | 0.28× | ||
| Q1 24 | — | 0.11× |
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 | $217.7M | $19.3M |
| 自由现金流经营现金流 - 资本支出 | $199.3M | $13.0M |
| 自由现金流率自由现金流/营收 | 108.1% | 8.6% |
| 资本支出强度资本支出/营收 | 10.0% | 4.2% |
| 现金转化率经营现金流/净利润 | 3.90× | — |
| 过去12个月自由现金流最近4个季度 | $345.4M | $-22.3M |
8季度趋势，按日历期对齐
经营现金流OFGTARS
| Q4 25 | $217.7M | $19.3M | ||
| Q3 25 | $39.5M | $18.3M | ||
| Q2 25 | $35.9M | $-29.4M | ||
| Q1 25 | $83.1M | $-20.7M | ||
| Q4 24 | $252.5M | $-22.2M | ||
| Q3 24 | $58.1M | $-8.7M | ||
| Q2 24 | $95.1M | $-14.4M | ||
| Q1 24 | $61.0M | $-37.8M |
自由现金流OFGTARS
| Q4 25 | $199.3M | $13.0M | ||
| Q3 25 | $35.5M | $16.3M | ||
| Q2 25 | $31.8M | $-30.4M | ||
| Q1 25 | $78.7M | $-21.2M | ||
| Q4 24 | $231.2M | $-22.3M | ||
| Q3 24 | $51.8M | $-8.9M | ||
| Q2 24 | $90.4M | $-15.4M | ||
| Q1 24 | $54.8M | $-38.0M |
自由现金流率OFGTARS
| Q4 25 | 108.1% | 8.6% | ||
| Q3 25 | 19.1% | 13.8% | ||
| Q2 25 | 17.4% | -29.6% | ||
| Q1 25 | 44.1% | -27.1% | ||
| Q4 24 | 126.5% | -33.5% | ||
| Q3 24 | 29.6% | -18.6% | ||
| Q2 24 | 50.3% | -37.8% | ||
| Q1 24 | 31.4% | -137.5% |
资本支出强度OFGTARS
| Q4 25 | 10.0% | 4.2% | ||
| Q3 25 | 2.1% | 1.6% | ||
| Q2 25 | 2.3% | 1.0% | ||
| Q1 25 | 2.4% | 0.8% | ||
| Q4 24 | 11.7% | 0.1% | ||
| Q3 24 | 3.6% | 0.6% | ||
| Q2 24 | 2.6% | 2.5% | ||
| Q1 24 | 3.5% | 0.6% |
现金转化率OFGTARS
| Q4 25 | 3.90× | — | ||
| Q3 25 | 0.76× | — | ||
| Q2 25 | 0.69× | — | ||
| Q1 25 | 1.82× | — | ||
| Q4 24 | 5.02× | — | ||
| Q3 24 | 1.24× | — | ||
| Q2 24 | 1.86× | — | ||
| Q1 24 | 1.23× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
