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ALKAMI TECHNOLOGY, INC.（ALKT）与REPUBLIC BANCORP INC（RBCAA）财务数据对比。点击上方公司名可切换其他公司
ALKAMI TECHNOLOGY, INC.的季度营收约是REPUBLIC BANCORP INC的1.3倍（$126.1M vs $94.3M），REPUBLIC BANCORP INC净利率更高（24.2% vs -7.9%，领先32.1%），ALKAMI TECHNOLOGY, INC.同比增速更快（28.9% vs 5.3%），REPUBLIC BANCORP INC自由现金流更多（$161.1M vs $-7.4M），过去两年ALKAMI TECHNOLOGY, INC.的营收复合增速更高（23.9% vs -11.5%）
Alkami科技是一家面向美国市场的云原生数字银行解决方案提供商，主要为社区银行、信用合作社等金融机构提供在线及移动银行系统、支付处理工具、数据分析模块与客户互动功能，助力合作机构优化终端用户的数字银行使用体验。
肯塔基州共和银行是美国的一家区域性银行控股企业，提供零售及商业银行全品类服务，涵盖个人存贷款、企业融资、按揭产品及财富管理解决方案，主要服务肯塔基州及周边州的个人消费者和中小企业客户。
ALKT vs RBCAA — 直观对比
营收规模更大
ALKT
是对方的1.3倍
$94.3M
营收增速更快
ALKT
高出23.6%
5.3%
净利率更高
RBCAA
高出32.1%
-7.9%
自由现金流更多
RBCAA
多$168.5M
$-7.4M
两年增速更快
ALKT
近两年复合增速
-11.5%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $126.1M | $94.3M |
| 净利润 | $-10.0M | $22.8M |
| 毛利率 | 58.6% | — |
| 营业利润率 | 36.9% | 29.3% |
| 净利率 | -7.9% | 24.2% |
| 营收同比 | 28.9% | 5.3% |
| 净利润同比 | -27.5% | 20.0% |
| 每股收益（稀释后） | — | — |
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ALKTRBCAA
| Q1 26 | $126.1M | — | ||
| Q4 25 | $120.8M | $94.3M | ||
| Q3 25 | $113.0M | $93.5M | ||
| Q2 25 | $112.1M | $93.8M | ||
| Q1 25 | $97.8M | $135.8M | ||
| Q4 24 | $89.7M | $89.5M | ||
| Q3 24 | $85.9M | $88.1M | ||
| Q2 24 | $82.2M | $86.9M |
净利润ALKTRBCAA
| Q1 26 | $-10.0M | — | ||
| Q4 25 | — | $22.8M | ||
| Q3 25 | $-14.8M | $29.7M | ||
| Q2 25 | $-13.6M | $31.5M | ||
| Q1 25 | — | $47.3M | ||
| Q4 24 | — | $19.0M | ||
| Q3 24 | $-9.4M | $26.5M | ||
| Q2 24 | $-12.3M | $25.2M |
毛利率ALKTRBCAA
| Q1 26 | 58.6% | — | ||
| Q4 25 | 57.2% | — | ||
| Q3 25 | 56.8% | — | ||
| Q2 25 | 58.6% | — | ||
| Q1 25 | 59.0% | — | ||
| Q4 24 | 59.3% | — | ||
| Q3 24 | 58.9% | — | ||
| Q2 24 | 59.4% | — |
营业利润率ALKTRBCAA
| Q1 26 | 36.9% | — | ||
| Q4 25 | -7.9% | 29.3% | ||
| Q3 25 | -11.4% | 40.4% | ||
| Q2 25 | -14.2% | 43.0% | ||
| Q1 25 | -15.7% | 44.1% | ||
| Q4 24 | -9.6% | 25.8% | ||
| Q3 24 | -12.1% | 38.4% | ||
| Q2 24 | -16.1% | 37.0% |
净利率ALKTRBCAA
| Q1 26 | -7.9% | — | ||
| Q4 25 | — | 24.2% | ||
| Q3 25 | -13.1% | 31.8% | ||
| Q2 25 | -12.1% | 33.5% | ||
| Q1 25 | — | 34.8% | ||
| Q4 24 | — | 21.2% | ||
| Q3 24 | -11.0% | 30.1% | ||
| Q2 24 | -15.0% | 29.0% |
每股收益（稀释后）ALKTRBCAA
| Q1 26 | — | — | ||
| Q4 25 | $-0.11 | — | ||
| Q3 25 | $-0.14 | — | ||
| Q2 25 | $-0.13 | — | ||
| Q1 25 | $-0.08 | — | ||
| Q4 24 | $-0.07 | — | ||
| Q3 24 | $-0.09 | — | ||
| Q2 24 | $-0.13 | — |
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 | $40.4M | $220.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $370.7M | $1.1B |
| 总资产 | $829.3M | $7.0B |
| 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ALKTRBCAA
| Q1 26 | $40.4M | — | ||
| Q4 25 | $63.5M | $220.0M | ||
| Q3 25 | $57.3M | $484.2M | ||
| Q2 25 | $52.4M | $484.8M | ||
| Q1 25 | $61.7M | $793.0M | ||
| Q4 24 | $94.4M | $432.2M | ||
| Q3 24 | $81.0M | $530.9M | ||
| Q2 24 | $61.4M | $400.1M |
股东权益ALKTRBCAA
| Q1 26 | $370.7M | — | ||
| Q4 25 | $362.0M | $1.1B | ||
| Q3 25 | $350.1M | $1.1B | ||
| Q2 25 | $344.0M | $1.1B | ||
| Q1 25 | $334.0M | $1.0B | ||
| Q4 24 | $357.0M | $992.0M | ||
| Q3 24 | $338.5M | $979.7M | ||
| Q2 24 | $327.2M | $955.4M |
总资产ALKTRBCAA
| Q1 26 | $829.3M | — | ||
| Q4 25 | $847.2M | $7.0B | ||
| Q3 25 | $835.2M | $7.0B | ||
| Q2 25 | $840.4M | $7.0B | ||
| Q1 25 | $837.2M | $7.1B | ||
| Q4 24 | $437.3M | $6.8B | ||
| Q3 24 | $422.2M | $6.7B | ||
| Q2 24 | $403.9M | $6.6B |
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 | $-4.8M | $168.2M |
| 自由现金流经营现金流 - 资本支出 | $-7.4M | $161.1M |
| 自由现金流率自由现金流/营收 | -5.8% | 170.9% |
| 资本支出强度资本支出/营收 | — | 7.5% |
| 现金转化率经营现金流/净利润 | — | 7.37× |
| 过去12个月自由现金流最近4个季度 | $40.1M | $288.6M |
8季度趋势，按日历期对齐
经营现金流ALKTRBCAA
| Q1 26 | $-4.8M | — | ||
| Q4 25 | $16.6M | $168.2M | ||
| Q3 25 | $30.8M | $33.3M | ||
| Q2 25 | $1.2M | $8.4M | ||
| Q1 25 | $-5.7M | $93.2M | ||
| Q4 24 | $6.1M | $149.0M | ||
| Q3 24 | $11.0M | $51.3M | ||
| Q2 24 | $548.0K | $4.0M |
自由现金流ALKTRBCAA
| Q1 26 | $-7.4M | — | ||
| Q4 25 | $16.2M | $161.1M | ||
| Q3 25 | $30.5M | $30.8M | ||
| Q2 25 | $760.0K | $5.2M | ||
| Q1 25 | $-6.1M | $91.6M | ||
| Q4 24 | $6.0M | $143.2M | ||
| Q3 24 | $10.7M | $49.8M | ||
| Q2 24 | $123.0K | $2.7M |
自由现金流率ALKTRBCAA
| Q1 26 | -5.8% | — | ||
| Q4 25 | 13.4% | 170.9% | ||
| Q3 25 | 27.0% | 32.9% | ||
| Q2 25 | 0.7% | 5.5% | ||
| Q1 25 | -6.3% | 67.4% | ||
| Q4 24 | 6.6% | 160.0% | ||
| Q3 24 | 12.4% | 56.5% | ||
| Q2 24 | 0.1% | 3.1% |
资本支出强度ALKTRBCAA
| Q1 26 | — | — | ||
| Q4 25 | 0.3% | 7.5% | ||
| Q3 25 | 0.2% | 2.6% | ||
| Q2 25 | 0.4% | 3.5% | ||
| Q1 25 | 0.5% | 1.2% | ||
| Q4 24 | 0.2% | 6.5% | ||
| Q3 24 | 0.4% | 1.7% | ||
| Q2 24 | 0.5% | 1.5% |
现金转化率ALKTRBCAA
| Q1 26 | — | — | ||
| Q4 25 | — | 7.37× | ||
| Q3 25 | — | 1.12× | ||
| Q2 25 | — | 0.27× | ||
| Q1 25 | — | 1.97× | ||
| Q4 24 | — | 7.84× | ||
| Q3 24 | — | 1.93× | ||
| Q2 24 | — | 0.16× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
