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合众银行（OSBC）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
合众银行的季度营收约是PDF SOLUTIONS INC的1.5倍（$93.8M vs $62.4M），合众银行净利率更高（27.3% vs -0.1%，领先27.4%），过去两年PDF SOLUTIONS INC的营收复合增速更高（22.9% vs 15.1%）
合众银行是一家总部位于美国明尼阿波利斯、在特拉华州注册的美国跨国银行机构。截至2025年，它是美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的金融机构，主营银行、投资、抵押等金融服务。
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。
OSBC vs PDFS — 直观对比
营收规模更大
OSBC
是对方的1.5倍
$62.4M
净利率更高
OSBC
高出27.4%
-0.1%
两年增速更快
PDFS
近两年复合增速
15.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $93.8M | $62.4M |
| 净利润 | $25.6M | $-48.0K |
| 毛利率 | — | 72.9% |
| 营业利润率 | — | 5.5% |
| 净利率 | 27.3% | -0.1% |
| 营收同比 | — | 24.6% |
| 净利润同比 | 159.2% | -108.9% |
| 每股收益（稀释后） | $0.48 | $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OSBCPDFS
| Q1 26 | $93.8M | — | ||
| Q4 25 | $95.2M | $62.4M | ||
| Q3 25 | $95.9M | $57.1M | ||
| Q2 25 | $75.1M | $51.7M | ||
| Q1 25 | $73.1M | $47.8M | ||
| Q4 24 | $73.2M | $50.1M | ||
| Q3 24 | $71.2M | $46.4M | ||
| Q2 24 | $70.8M | $41.7M |
净利润OSBCPDFS
| Q1 26 | $25.6M | — | ||
| Q4 25 | — | $-48.0K | ||
| Q3 25 | $9.9M | $1.3M | ||
| Q2 25 | $21.8M | $1.1M | ||
| Q1 25 | $19.8M | $-3.0M | ||
| Q4 24 | — | $539.0K | ||
| Q3 24 | $23.0M | $2.2M | ||
| Q2 24 | $21.9M | $1.7M |
毛利率OSBCPDFS
| 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OSBCPDFS
| Q1 26 | — | — | ||
| Q4 25 | 41.2% | 5.5% | ||
| Q3 25 | 13.6% | 8.5% | ||
| Q2 25 | 38.9% | 2.2% | ||
| Q1 25 | 35.8% | -7.4% | ||
| Q4 24 | 34.7% | 1.0% | ||
| Q3 24 | 41.9% | 4.6% | ||
| Q2 24 | 41.2% | 0.6% |
净利率OSBCPDFS
| Q1 26 | 27.3% | — | ||
| Q4 25 | — | -0.1% | ||
| Q3 25 | 10.3% | 2.3% | ||
| Q2 25 | 29.0% | 2.2% | ||
| Q1 25 | 27.1% | -6.3% | ||
| Q4 24 | — | 1.1% | ||
| Q3 24 | 32.3% | 4.8% | ||
| Q2 24 | 30.9% | 4.1% |
每股收益（稀释后）OSBCPDFS
| Q1 26 | $0.48 | — | ||
| Q4 25 | $0.53 | $0.00 | ||
| Q3 25 | $0.18 | $0.03 | ||
| Q2 25 | $0.48 | $0.03 | ||
| Q1 25 | $0.43 | $-0.08 | ||
| Q4 24 | $0.42 | $0.01 | ||
| Q3 24 | $0.50 | $0.06 | ||
| Q2 24 | $0.48 | $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 | $115.7M | $42.2M |
| 总债务越低越好 | — | $67.0M |
| 股东权益账面价值 | $893.3M | $271.0M |
| 总资产 | $6.8B | $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OSBCPDFS
| Q1 26 | $115.7M | — | ||
| Q4 25 | $124.0M | $42.2M | ||
| Q3 25 | $116.5M | $35.9M | ||
| Q2 25 | $141.8M | $40.4M | ||
| Q1 25 | $256.1M | $54.1M | ||
| Q4 24 | $99.3M | $114.9M | ||
| Q3 24 | $115.8M | $120.2M | ||
| Q2 24 | $120.9M | $117.9M |
总债务OSBCPDFS
| 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OSBCPDFS
| Q1 26 | $893.3M | — | ||
| Q4 25 | $896.8M | $271.0M | ||
| Q3 25 | $866.7M | $264.4M | ||
| Q2 25 | $718.6M | $257.5M | ||
| Q1 25 | $694.5M | $249.0M | ||
| Q4 24 | $671.0M | $246.0M | ||
| Q3 24 | $661.4M | $240.5M | ||
| Q2 24 | $619.3M | $232.2M |
总资产OSBCPDFS
| Q1 26 | $6.8B | — | ||
| Q4 25 | $6.9B | $418.7M | ||
| Q3 25 | $7.0B | $406.4M | ||
| Q2 25 | $5.7B | $391.1M | ||
| Q1 25 | $5.7B | $390.0M | ||
| Q4 24 | $5.6B | $315.3M | ||
| Q3 24 | $5.7B | $307.4M | ||
| Q2 24 | $5.7B | $298.0M |
负债/权益比OSBCPDFS
| 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OSBCPDFS
| Q1 26 | — | — | ||
| Q4 25 | $122.3M | $17.3M | ||
| Q3 25 | $35.9M | $3.3M | ||
| Q2 25 | $24.2M | $-5.2M | ||
| Q1 25 | $17.8M | $8.6M | ||
| Q4 24 | $131.5M | $1.6M | ||
| Q3 24 | $48.5M | $9.3M | ||
| Q2 24 | $11.6M | $684.0K |
自由现金流OSBCPDFS
| Q1 26 | — | — | ||
| Q4 25 | $117.8M | $7.5M | ||
| Q3 25 | $34.7M | $-2.9M | ||
| Q2 25 | $23.5M | $-13.8M | ||
| Q1 25 | $16.2M | $535.0K | ||
| Q4 24 | $120.7M | $-4.0M | ||
| Q3 24 | $46.2M | $5.1M | ||
| Q2 24 | $8.7M | $-4.6M |
自由现金流率OSBCPDFS
| Q1 26 | — | — | ||
| Q4 25 | 123.7% | 12.1% | ||
| Q3 25 | 36.2% | -5.1% | ||
| Q2 25 | 31.2% | -26.6% | ||
| Q1 25 | 22.2% | 1.1% | ||
| Q4 24 | 165.0% | -8.0% | ||
| Q3 24 | 64.9% | 11.0% | ||
| Q2 24 | 12.3% | -11.1% |
资本支出强度OSBCPDFS
| Q1 26 | — | — | ||
| Q4 25 | 4.7% | 15.7% | ||
| Q3 25 | 1.3% | 10.8% | ||
| Q2 25 | 1.1% | 16.5% | ||
| Q1 25 | 2.2% | 17.0% | ||
| Q4 24 | 14.7% | 11.3% | ||
| Q3 24 | 3.3% | 9.0% | ||
| Q2 24 | 4.2% | 12.8% |
现金转化率OSBCPDFS
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 3.64× | 2.54× | ||
| Q2 25 | 1.11× | -4.55× | ||
| Q1 25 | 0.90× | — | ||
| Q4 24 | — | 2.98× | ||
| Q3 24 | 2.11× | 4.20× | ||
| Q2 24 | 0.53× | 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
OSBC
| Net Interest Income | $81.1M | 87% |
| Noninterest Income | $12.6M | 13% |
PDFS
| Volumebased | $38.0M | 61% |
| Other | $24.4M | 39% |
