vs
TSS, Inc.（TSSI）与UNITY BANCORP INC（UNTY）财务数据对比。点击上方公司名可切换其他公司
TSS, Inc.的季度营收约是UNITY BANCORP INC的1.7倍（$60.9M vs $35.3M），UNITY BANCORP INC净利率更高（43.9% vs 20.0%，领先23.9%），UNITY BANCORP INC同比增速更快（24.2% vs 21.8%），UNITY BANCORP INC自由现金流更多（$44.3M vs $15.8M），过去两年TSS, Inc.的营收复合增速更高（95.8% vs 17.5%）
Unity Bancorp Inc是总部位于美国新泽西州的金融控股公司，旗下运营Unity Bank，面向新泽西州及宾夕法尼亚州东部的本地社区，提供商业贷款、存款账户、抵押贷款、个人银行等全系列商业及零售银行服务，核心服务客群为中小企业和个人消费者。
TSSI vs UNTY — 直观对比
营收规模更大
TSSI
是对方的1.7倍
$35.3M
营收增速更快
UNTY
高出2.4%
21.8%
净利率更高
UNTY
高出23.9%
20.0%
自由现金流更多
UNTY
多$28.6M
$15.8M
两年增速更快
TSSI
近两年复合增速
17.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $60.9M | $35.3M |
| 净利润 | $12.2M | $15.5M |
| 毛利率 | 17.6% | — |
| 营业利润率 | 1.5% | 55.8% |
| 净利率 | 20.0% | 43.9% |
| 营收同比 | 21.8% | 24.2% |
| 净利润同比 | 535.7% | 34.5% |
| 每股收益（稀释后） | $0.44 | $1.52 |
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TSSIUNTY
| Q4 25 | $60.9M | $35.3M | ||
| Q3 25 | $41.9M | $32.8M | ||
| Q2 25 | $44.0M | $34.4M | ||
| Q1 25 | $99.0M | $29.4M | ||
| Q4 24 | $50.0M | $28.4M | ||
| Q3 24 | $70.1M | $27.7M | ||
| Q2 24 | $12.2M | $25.5M | ||
| Q1 24 | $15.9M | $25.6M |
净利润TSSIUNTY
| Q4 25 | $12.2M | $15.5M | ||
| Q3 25 | $-1.5M | $14.4M | ||
| Q2 25 | $1.5M | $16.5M | ||
| Q1 25 | $3.0M | $11.6M | ||
| Q4 24 | $1.9M | $11.5M | ||
| Q3 24 | $2.6M | $10.9M | ||
| Q2 24 | $1.4M | $9.5M | ||
| Q1 24 | $15.0K | $9.6M |
毛利率TSSIUNTY
| Q4 25 | 17.6% | — | ||
| Q3 25 | 11.1% | — | ||
| Q2 25 | 17.8% | — | ||
| Q1 25 | 9.3% | — | ||
| Q4 24 | 14.4% | — | ||
| Q3 24 | 11.3% | — | ||
| Q2 24 | 37.3% | — | ||
| Q1 24 | 17.1% | — |
营业利润率TSSIUNTY
| Q4 25 | 1.5% | 55.8% | ||
| Q3 25 | -2.2% | 57.5% | ||
| Q2 25 | 5.1% | 62.6% | ||
| Q1 25 | 4.2% | 52.6% | ||
| Q4 24 | 0.0% | 51.0% | ||
| Q3 24 | 5.4% | 52.7% | ||
| Q2 24 | 14.0% | 49.3% | ||
| Q1 24 | 1.6% | 50.0% |
净利率TSSIUNTY
| Q4 25 | 20.0% | 43.9% | ||
| Q3 25 | -3.6% | 43.8% | ||
| Q2 25 | 3.4% | 48.0% | ||
| Q1 25 | 3.0% | 39.5% | ||
| Q4 24 | 3.8% | 40.5% | ||
| Q3 24 | 3.8% | 39.4% | ||
| Q2 24 | 11.5% | 37.1% | ||
| Q1 24 | 0.1% | 37.5% |
每股收益（稀释后）TSSIUNTY
| Q4 25 | $0.44 | $1.52 | ||
| Q3 25 | $-0.06 | $1.41 | ||
| Q2 25 | $0.06 | $1.61 | ||
| Q1 25 | $0.12 | $1.13 | ||
| Q4 24 | $0.08 | $1.13 | ||
| Q3 24 | $0.10 | $1.07 | ||
| Q2 24 | $0.06 | $0.92 | ||
| Q1 24 | $0.00 | $0.94 |
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 | $85.5M | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $76.6M | $345.6M |
| 总资产 | $184.9M | $3.0B |
| 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TSSIUNTY
| Q4 25 | $85.5M | — | ||
| Q3 25 | $70.7M | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $23.2M | — | ||
| Q3 24 | $46.4M | — | ||
| Q2 24 | $8.3M | — | ||
| Q1 24 | $14.4M | — |
总债务TSSIUNTY
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $230.8M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益TSSIUNTY
| Q4 25 | $76.6M | $345.6M | ||
| Q3 25 | $63.4M | $334.0M | ||
| Q2 25 | $9.5M | $319.8M | ||
| Q1 25 | $9.4M | $306.1M | ||
| Q4 24 | $7.1M | $295.6M | ||
| Q3 24 | $7.7M | $284.3M | ||
| Q2 24 | $5.2M | $273.4M | ||
| Q1 24 | $3.7M | $266.8M |
总资产TSSIUNTY
| Q4 25 | $184.9M | $3.0B | ||
| Q3 25 | $165.4M | $2.9B | ||
| Q2 25 | $139.5M | $2.9B | ||
| Q1 25 | $113.5M | $2.8B | ||
| Q4 24 | $96.6M | $2.7B | ||
| Q3 24 | $67.3M | $2.6B | ||
| Q2 24 | $28.9M | $2.6B | ||
| Q1 24 | $26.8M | $2.6B |
负债/权益比TSSIUNTY
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.78× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 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 | $16.3M | $44.9M |
| 自由现金流经营现金流 - 资本支出 | $15.8M | $44.3M |
| 自由现金流率自由现金流/营收 | 25.9% | 125.7% |
| 资本支出强度资本支出/营收 | 0.9% | 1.6% |
| 现金转化率经营现金流/净利润 | 1.34× | 2.90× |
| 过去12个月自由现金流最近4个季度 | $2.1M | $81.7M |
8季度趋势，按日历期对齐
经营现金流TSSIUNTY
| Q4 25 | $16.3M | $44.9M | ||
| Q3 25 | $-18.4M | $45.5M | ||
| Q2 25 | $16.3M | $-25.3M | ||
| Q1 25 | $20.6M | $17.9M | ||
| Q4 24 | $-21.6M | $48.0M | ||
| Q3 24 | $38.6M | $17.7M | ||
| Q2 24 | $-4.3M | $-8.4M | ||
| Q1 24 | $2.6M | $15.8M |
自由现金流TSSIUNTY
| Q4 25 | $15.8M | $44.3M | ||
| Q3 25 | $-24.9M | $45.3M | ||
| Q2 25 | $5.4M | $-25.5M | ||
| Q1 25 | $5.8M | $17.6M | ||
| Q4 24 | $-28.4M | $47.3M | ||
| Q3 24 | $38.6M | $17.5M | ||
| Q2 24 | $-6.0M | $-8.6M | ||
| Q1 24 | $2.6M | $15.7M |
自由现金流率TSSIUNTY
| Q4 25 | 25.9% | 125.7% | ||
| Q3 25 | -59.3% | 138.1% | ||
| Q2 25 | 12.3% | -74.2% | ||
| Q1 25 | 5.8% | 59.9% | ||
| Q4 24 | -56.7% | 166.5% | ||
| Q3 24 | 55.1% | 63.3% | ||
| Q2 24 | -49.4% | -33.7% | ||
| Q1 24 | 16.4% | 61.4% |
资本支出强度TSSIUNTY
| Q4 25 | 0.9% | 1.6% | ||
| Q3 25 | 15.3% | 0.7% | ||
| Q2 25 | 24.8% | 0.5% | ||
| Q1 25 | 15.0% | 1.0% | ||
| Q4 24 | 13.4% | 2.4% | ||
| Q3 24 | 0.1% | 0.5% | ||
| Q2 24 | 13.8% | 0.5% | ||
| Q1 24 | 0.2% | 0.3% |
现金转化率TSSIUNTY
| Q4 25 | 1.34× | 2.90× | ||
| Q3 25 | — | 3.16× | ||
| Q2 25 | 11.02× | -1.54× | ||
| Q1 25 | 6.93× | 1.54× | ||
| Q4 24 | -11.32× | 4.17× | ||
| Q3 24 | 14.60× | 1.62× | ||
| Q2 24 | -3.09× | -0.89× | ||
| Q1 24 | 176.40× | 1.64× |
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
TSSI
| Procurement Revenues Segment | $43.2M | 71% |
| System Integration Services Segment | $14.2M | 23% |
| Facilities Segment | $3.5M | 6% |
UNTY
暂无分部数据
