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合众银行（OSBC）与null（SWIM）财务数据对比。点击上方公司名可切换其他公司
null的季度营收约是合众银行的1.1倍（$100.0M vs $93.8M），合众银行净利率更高（27.3% vs -7.0%，领先34.3%），过去两年合众银行的营收复合增速更高（15.1% vs -4.9%）
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。
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。
OSBC vs SWIM — 直观对比
营收规模更大
SWIM
是对方的1.1倍
$93.8M
净利率更高
OSBC
高出34.3%
-7.0%
两年增速更快
OSBC
近两年复合增速
-4.9%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $93.8M | $100.0M |
| 净利润 | $25.6M | $-7.0M |
| 毛利率 | — | 28.0% |
| 营业利润率 | — | -10.7% |
| 净利率 | 27.3% | -7.0% |
| 营收同比 | — | 14.5% |
| 净利润同比 | 159.2% | 76.0% |
| 每股收益（稀释后） | $0.48 | $-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OSBCSWIM
| Q1 26 | $93.8M | — | ||
| Q4 25 | $95.2M | $100.0M | ||
| Q3 25 | $95.9M | $161.9M | ||
| Q2 25 | $75.1M | $172.6M | ||
| Q1 25 | $73.1M | $111.4M | ||
| Q4 24 | $73.2M | $87.3M | ||
| Q3 24 | $71.2M | $150.5M | ||
| Q2 24 | $70.8M | $160.1M |
净利润OSBCSWIM
| Q1 26 | $25.6M | — | ||
| Q4 25 | — | $-7.0M | ||
| Q3 25 | $9.9M | $8.1M | ||
| Q2 25 | $21.8M | $16.0M | ||
| Q1 25 | $19.8M | $-6.0M | ||
| Q4 24 | — | $-29.2M | ||
| Q3 24 | $23.0M | $5.9M | ||
| Q2 24 | $21.9M | $13.3M |
毛利率OSBCSWIM
| 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OSBCSWIM
| Q1 26 | — | — | ||
| Q4 25 | 41.2% | -10.7% | ||
| Q3 25 | 13.6% | 13.3% | ||
| Q2 25 | 38.9% | 14.3% | ||
| Q1 25 | 35.8% | -4.4% | ||
| Q4 24 | 34.7% | -14.9% | ||
| Q3 24 | 41.9% | 8.9% | ||
| Q2 24 | 41.2% | 12.5% |
净利率OSBCSWIM
| Q1 26 | 27.3% | — | ||
| Q4 25 | — | -7.0% | ||
| Q3 25 | 10.3% | 5.0% | ||
| Q2 25 | 29.0% | 9.3% | ||
| Q1 25 | 27.1% | -5.4% | ||
| Q4 24 | — | -33.4% | ||
| Q3 24 | 32.3% | 3.9% | ||
| Q2 24 | 30.9% | 8.3% |
每股收益（稀释后）OSBCSWIM
| Q1 26 | $0.48 | — | ||
| Q4 25 | $0.53 | $-0.06 | ||
| Q3 25 | $0.18 | $0.07 | ||
| Q2 25 | $0.48 | $0.13 | ||
| Q1 25 | $0.43 | $-0.05 | ||
| Q4 24 | $0.42 | $-0.24 | ||
| Q3 24 | $0.50 | $0.05 | ||
| Q2 24 | $0.48 | $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 | $115.7M | — |
| 总债务越低越好 | — | $279.8M |
| 股东权益账面价值 | $893.3M | $405.9M |
| 总资产 | $6.8B | $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OSBCSWIM
| Q1 26 | $115.7M | — | ||
| Q4 25 | $124.0M | — | ||
| Q3 25 | $116.5M | — | ||
| Q2 25 | $141.8M | — | ||
| Q1 25 | $256.1M | — | ||
| Q4 24 | $99.3M | — | ||
| Q3 24 | $115.8M | — | ||
| Q2 24 | $120.9M | — |
总债务OSBCSWIM
| 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OSBCSWIM
| Q1 26 | $893.3M | — | ||
| Q4 25 | $896.8M | $405.9M | ||
| Q3 25 | $866.7M | $408.4M | ||
| Q2 25 | $718.6M | $398.4M | ||
| Q1 25 | $694.5M | $381.1M | ||
| Q4 24 | $671.0M | $387.2M | ||
| Q3 24 | $661.4M | $416.6M | ||
| Q2 24 | $619.3M | $408.1M |
总资产OSBCSWIM
| Q1 26 | $6.8B | — | ||
| Q4 25 | $6.9B | $823.2M | ||
| Q3 25 | $7.0B | $844.4M | ||
| Q2 25 | $5.7B | $822.1M | ||
| Q1 25 | $5.7B | $824.6M | ||
| Q4 24 | $5.6B | $794.2M | ||
| Q3 24 | $5.7B | $853.4M | ||
| Q2 24 | $5.7B | $830.0M |
负债/权益比OSBCSWIM
| 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OSBCSWIM
| Q1 26 | — | — | ||
| Q4 25 | $122.3M | $23.3M | ||
| Q3 25 | $35.9M | $51.0M | ||
| Q2 25 | $24.2M | $36.0M | ||
| Q1 25 | $17.8M | $-46.9M | ||
| Q4 24 | $131.5M | $6.2M | ||
| Q3 24 | $48.5M | $37.2M | ||
| Q2 24 | $11.6M | $52.4M |
自由现金流OSBCSWIM
| Q1 26 | — | — | ||
| Q4 25 | $117.8M | $14.1M | ||
| Q3 25 | $34.7M | $45.2M | ||
| Q2 25 | $23.5M | $29.1M | ||
| Q1 25 | $16.2M | $-50.3M | ||
| Q4 24 | $120.7M | $-98.0K | ||
| Q3 24 | $46.2M | $33.2M | ||
| Q2 24 | $8.7M | $47.9M |
自由现金流率OSBCSWIM
| Q1 26 | — | — | ||
| Q4 25 | 123.7% | 14.1% | ||
| Q3 25 | 36.2% | 27.9% | ||
| Q2 25 | 31.2% | 16.8% | ||
| Q1 25 | 22.2% | -45.2% | ||
| Q4 24 | 165.0% | -0.1% | ||
| Q3 24 | 64.9% | 22.1% | ||
| Q2 24 | 12.3% | 29.9% |
资本支出强度OSBCSWIM
| Q1 26 | — | — | ||
| Q4 25 | 4.7% | 9.2% | ||
| Q3 25 | 1.3% | 3.6% | ||
| Q2 25 | 1.1% | 4.0% | ||
| Q1 25 | 2.2% | 3.1% | ||
| Q4 24 | 14.7% | 7.2% | ||
| Q3 24 | 3.3% | 2.7% | ||
| Q2 24 | 4.2% | 2.8% |
现金转化率OSBCSWIM
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 3.64× | 6.29× | ||
| Q2 25 | 1.11× | 2.25× | ||
| Q1 25 | 0.90× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.11× | 6.32× | ||
| Q2 24 | 0.53× | 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
OSBC
| Net Interest Income | $81.1M | 87% |
| Noninterest Income | $12.6M | 13% |
SWIM
| In Ground Swimming Pools | $50.2M | 50% |
| Covers | $37.0M | 37% |
| Liners | $12.7M | 13% |
