vs
合众银行（OSBC）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
合众银行的季度营收约是Planet Labs PBC的1.2倍（$93.8M vs $81.3M），合众银行净利率更高（27.3% vs -72.8%，领先100.1%），过去两年Planet Labs PBC的营收复合增速更高（17.5% 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。
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。
OSBC vs PL — 直观对比
营收规模更大
OSBC
是对方的1.2倍
$81.3M
净利率更高
OSBC
高出100.1%
-72.8%
两年增速更快
PL
近两年复合增速
15.1%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $93.8M | $81.3M |
| 净利润 | $25.6M | $-59.2M |
| 毛利率 | — | 57.3% |
| 营业利润率 | — | -22.6% |
| 净利率 | 27.3% | -72.8% |
| 营收同比 | — | 32.6% |
| 净利润同比 | 159.2% | -194.7% |
| 每股收益（稀释后） | $0.48 | $-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OSBCPL
| Q1 26 | $93.8M | — | ||
| Q4 25 | $95.2M | $81.3M | ||
| Q3 25 | $95.9M | $73.4M | ||
| Q2 25 | $75.1M | $66.3M | ||
| Q1 25 | $73.1M | $61.6M | ||
| Q4 24 | $73.2M | $61.3M | ||
| Q3 24 | $71.2M | $61.1M | ||
| Q2 24 | $70.8M | $60.4M |
净利润OSBCPL
| Q1 26 | $25.6M | — | ||
| Q4 25 | — | $-59.2M | ||
| Q3 25 | $9.9M | $-22.6M | ||
| Q2 25 | $21.8M | $-12.6M | ||
| Q1 25 | $19.8M | $-35.2M | ||
| Q4 24 | — | $-20.1M | ||
| Q3 24 | $23.0M | $-38.7M | ||
| Q2 24 | $21.9M | $-29.3M |
毛利率OSBCPL
| 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OSBCPL
| Q1 26 | — | — | ||
| Q4 25 | 41.2% | -22.6% | ||
| Q3 25 | 13.6% | -24.5% | ||
| Q2 25 | 38.9% | -34.4% | ||
| Q1 25 | 35.8% | -31.5% | ||
| Q4 24 | 34.7% | -36.9% | ||
| Q3 24 | 41.9% | -64.8% | ||
| Q2 24 | 41.2% | -57.2% |
净利率OSBCPL
| Q1 26 | 27.3% | — | ||
| Q4 25 | — | -72.8% | ||
| Q3 25 | 10.3% | -30.8% | ||
| Q2 25 | 29.0% | -19.1% | ||
| Q1 25 | 27.1% | -57.1% | ||
| Q4 24 | — | -32.8% | ||
| Q3 24 | 32.3% | -63.3% | ||
| Q2 24 | 30.9% | -48.5% |
每股收益（稀释后）OSBCPL
| Q1 26 | $0.48 | — | ||
| Q4 25 | $0.53 | $-0.19 | ||
| Q3 25 | $0.18 | $-0.07 | ||
| Q2 25 | $0.48 | $-0.04 | ||
| Q1 25 | $0.43 | $-0.12 | ||
| Q4 24 | $0.42 | $-0.07 | ||
| Q3 24 | $0.50 | $-0.13 | ||
| Q2 24 | $0.48 | $-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 | $115.7M | $443.3M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $893.3M | $349.6M |
| 总资产 | $6.8B | $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OSBCPL
| Q1 26 | $115.7M | — | ||
| Q4 25 | $124.0M | $443.3M | ||
| Q3 25 | $116.5M | $181.1M | ||
| Q2 25 | $141.8M | $133.5M | ||
| Q1 25 | $256.1M | $118.0M | ||
| Q4 24 | $99.3M | $139.0M | ||
| Q3 24 | $115.8M | $148.3M | ||
| Q2 24 | $120.9M | $107.4M |
股东权益OSBCPL
| Q1 26 | $893.3M | — | ||
| Q4 25 | $896.8M | $349.6M | ||
| Q3 25 | $866.7M | $435.7M | ||
| Q2 25 | $718.6M | $444.8M | ||
| Q1 25 | $694.5M | $441.3M | ||
| Q4 24 | $671.0M | $464.6M | ||
| Q3 24 | $661.4M | $473.2M | ||
| Q2 24 | $619.3M | $500.3M |
总资产OSBCPL
| Q1 26 | $6.8B | — | ||
| Q4 25 | $6.9B | $1.1B | ||
| Q3 25 | $7.0B | $696.4M | ||
| Q2 25 | $5.7B | $658.4M | ||
| Q1 25 | $5.7B | $633.8M | ||
| Q4 24 | $5.6B | $630.8M | ||
| Q3 24 | $5.7B | $658.4M | ||
| Q2 24 | $5.7B | $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OSBCPL
| Q1 26 | — | — | ||
| Q4 25 | $122.3M | $28.6M | ||
| Q3 25 | $35.9M | $67.8M | ||
| Q2 25 | $24.2M | $17.3M | ||
| Q1 25 | $17.8M | $-6.3M | ||
| Q4 24 | $131.5M | $4.1M | ||
| Q3 24 | $48.5M | $-7.9M | ||
| Q2 24 | $11.6M | $-4.3M |
自由现金流OSBCPL
| Q1 26 | — | — | ||
| Q4 25 | $117.8M | $1.9M | ||
| Q3 25 | $34.7M | $47.5M | ||
| Q2 25 | $23.5M | $9.2M | ||
| Q1 25 | $16.2M | $-17.9M | ||
| Q4 24 | $120.7M | $-3.6M | ||
| Q3 24 | $46.2M | $-23.0M | ||
| Q2 24 | $8.7M | $-14.2M |
自由现金流率OSBCPL
| Q1 26 | — | — | ||
| Q4 25 | 123.7% | 2.3% | ||
| Q3 25 | 36.2% | 64.7% | ||
| Q2 25 | 31.2% | 13.9% | ||
| Q1 25 | 22.2% | -29.1% | ||
| Q4 24 | 165.0% | -5.8% | ||
| Q3 24 | 64.9% | -37.6% | ||
| Q2 24 | 12.3% | -23.6% |
资本支出强度OSBCPL
| Q1 26 | — | — | ||
| Q4 25 | 4.7% | 32.9% | ||
| Q3 25 | 1.3% | 27.6% | ||
| Q2 25 | 1.1% | 12.3% | ||
| Q1 25 | 2.2% | 18.9% | ||
| Q4 24 | 14.7% | 12.5% | ||
| Q3 24 | 3.3% | 24.8% | ||
| Q2 24 | 4.2% | 16.4% |
现金转化率OSBCPL
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 3.64× | — | ||
| Q2 25 | 1.11× | — | ||
| Q1 25 | 0.90× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.11× | — | ||
| Q2 24 | 0.53× | — |
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% |
PL
| Defense And Intelligence | $49.4M | 61% |
| Civil Government | $18.8M | 23% |
| Commercial | $13.1M | 16% |
