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UNITY BANCORP INC（UNTY）与泛美白银（USAS）财务数据对比。点击上方公司名可切换其他公司
UNITY BANCORP INC的季度营收约是泛美白银的1.8倍（$35.3M vs $19.1M），UNITY BANCORP INC净利率更高（43.9% vs -82.3%，领先126.2%），UNITY BANCORP INC同比增速更快（24.2% vs -28.0%），UNITY BANCORP INC自由现金流更多（$44.3M vs $-41.3M）
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。
泛美白银是一家总部位于加拿大的矿业企业，业务布局集中在拉丁美洲，在墨西哥、秘鲁、玻利维亚、阿根廷多国持有运营矿山及其他矿产开发项目，是美洲地区重要的贵金属开采企业。
UNTY vs USAS — 直观对比
营收规模更大
UNTY
是对方的1.8倍
$19.1M
营收增速更快
UNTY
高出52.2%
-28.0%
净利率更高
UNTY
高出126.2%
-82.3%
自由现金流更多
UNTY
多$85.7M
$-41.3M
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $35.3M | $19.1M |
| 净利润 | $15.5M | $-15.7M |
| 毛利率 | — | 34.2% |
| 营业利润率 | 55.8% | — |
| 净利率 | 43.9% | -82.3% |
| 营收同比 | 24.2% | -28.0% |
| 净利润同比 | 34.5% | 2.8% |
| 每股收益（稀释后） | $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UNTYUSAS
| Q4 25 | $35.3M | — | ||
| Q3 25 | $32.8M | $19.1M | ||
| Q2 25 | $34.4M | — | ||
| Q1 25 | $29.4M | — | ||
| Q4 24 | $28.4M | — | ||
| Q3 24 | $27.7M | $26.5M | ||
| Q2 24 | $25.5M | — | ||
| Q1 24 | $25.6M | — |
净利润UNTYUSAS
| Q4 25 | $15.5M | — | ||
| Q3 25 | $14.4M | $-15.7M | ||
| Q2 25 | $16.5M | — | ||
| Q1 25 | $11.6M | — | ||
| Q4 24 | $11.5M | — | ||
| Q3 24 | $10.9M | $-16.2M | ||
| Q2 24 | $9.5M | — | ||
| Q1 24 | $9.6M | — |
毛利率UNTYUSAS
| Q4 25 | — | — | ||
| Q3 25 | — | 34.2% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 23.6% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
营业利润率UNTYUSAS
| Q4 25 | 55.8% | — | ||
| Q3 25 | 57.5% | — | ||
| Q2 25 | 62.6% | — | ||
| Q1 25 | 52.6% | — | ||
| Q4 24 | 51.0% | — | ||
| Q3 24 | 52.7% | — | ||
| Q2 24 | 49.3% | — | ||
| Q1 24 | 50.0% | — |
净利率UNTYUSAS
| Q4 25 | 43.9% | — | ||
| Q3 25 | 43.8% | -82.3% | ||
| Q2 25 | 48.0% | — | ||
| Q1 25 | 39.5% | — | ||
| Q4 24 | 40.5% | — | ||
| Q3 24 | 39.4% | -60.9% | ||
| Q2 24 | 37.1% | — | ||
| Q1 24 | 37.5% | — |
每股收益（稀释后）UNTYUSAS
| Q4 25 | $1.52 | — | ||
| Q3 25 | $1.41 | — | ||
| Q2 25 | $1.61 | — | ||
| Q1 25 | $1.13 | — | ||
| Q4 24 | $1.13 | — | ||
| Q3 24 | $1.07 | — | ||
| Q2 24 | $0.92 | — | ||
| Q1 24 | $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 | — | $39.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $345.6M | $50.2M |
| 总资产 | $3.0B | $234.7M |
| 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UNTYUSAS
| Q4 25 | — | — | ||
| Q3 25 | — | $39.1M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
总债务UNTYUSAS
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $230.8M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益UNTYUSAS
| Q4 25 | $345.6M | — | ||
| Q3 25 | $334.0M | $50.2M | ||
| Q2 25 | $319.8M | — | ||
| Q1 25 | $306.1M | — | ||
| Q4 24 | $295.6M | — | ||
| Q3 24 | $284.3M | $53.1M | ||
| Q2 24 | $273.4M | — | ||
| Q1 24 | $266.8M | — |
总资产UNTYUSAS
| Q4 25 | $3.0B | — | ||
| Q3 25 | $2.9B | $234.7M | ||
| Q2 25 | $2.9B | — | ||
| Q1 25 | $2.8B | — | ||
| Q4 24 | $2.7B | — | ||
| Q3 24 | $2.6B | — | ||
| Q2 24 | $2.6B | — | ||
| Q1 24 | $2.6B | — |
负债/权益比UNTYUSAS
| 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 | $44.9M | $-12.5M |
| 自由现金流经营现金流 - 资本支出 | $44.3M | $-41.3M |
| 自由现金流率自由现金流/营收 | 125.7% | -216.5% |
| 资本支出强度资本支出/营收 | 1.6% | 150.8% |
| 现金转化率经营现金流/净利润 | 2.90× | — |
| 过去12个月自由现金流最近4个季度 | $81.7M | — |
8季度趋势，按日历期对齐
经营现金流UNTYUSAS
| Q4 25 | $44.9M | — | ||
| Q3 25 | $45.5M | $-12.5M | ||
| Q2 25 | $-25.3M | — | ||
| Q1 25 | $17.9M | — | ||
| Q4 24 | $48.0M | — | ||
| Q3 24 | $17.7M | $2.4M | ||
| Q2 24 | $-8.4M | — | ||
| Q1 24 | $15.8M | — |
自由现金流UNTYUSAS
| Q4 25 | $44.3M | — | ||
| Q3 25 | $45.3M | $-41.3M | ||
| Q2 25 | $-25.5M | — | ||
| Q1 25 | $17.6M | — | ||
| Q4 24 | $47.3M | — | ||
| Q3 24 | $17.5M | $-11.2M | ||
| Q2 24 | $-8.6M | — | ||
| Q1 24 | $15.7M | — |
自由现金流率UNTYUSAS
| Q4 25 | 125.7% | — | ||
| Q3 25 | 138.1% | -216.5% | ||
| Q2 25 | -74.2% | — | ||
| Q1 25 | 59.9% | — | ||
| Q4 24 | 166.5% | — | ||
| Q3 24 | 63.3% | -42.2% | ||
| Q2 24 | -33.7% | — | ||
| Q1 24 | 61.4% | — |
资本支出强度UNTYUSAS
| Q4 25 | 1.6% | — | ||
| Q3 25 | 0.7% | 150.8% | ||
| Q2 25 | 0.5% | — | ||
| Q1 25 | 1.0% | — | ||
| Q4 24 | 2.4% | — | ||
| Q3 24 | 0.5% | 51.2% | ||
| Q2 24 | 0.5% | — | ||
| Q1 24 | 0.3% | — |
现金转化率UNTYUSAS
| Q4 25 | 2.90× | — | ||
| Q3 25 | 3.16× | — | ||
| Q2 25 | -1.54× | — | ||
| Q1 25 | 1.54× | — | ||
| Q4 24 | 4.17× | — | ||
| Q3 24 | 1.62× | — | ||
| Q2 24 | -0.89× | — | ||
| Q1 24 | 1.64× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
