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Business First Bancshares, Inc.（BFST）与Repay Holdings Corp（RPAY）财务数据对比。点击上方公司名可切换其他公司
Business First Bancshares, Inc.的季度营收约是Repay Holdings Corp的1.1倍（$83.1M vs $78.6M），Business First Bancshares, Inc.同比增速更快（7.1% vs 0.4%），Business First Bancshares, Inc.自由现金流更多（$92.0M vs $23.2M），过去两年Business First Bancshares, Inc.的营收复合增速更高（16.8% vs -1.3%）
第一公民银行股份公司是一家银行控股公司，总部位于美国北卡罗来纳州罗利，是美国规模最大的银行机构之一。公司核心子公司第一公民银行在全美23个州经营着超过500家网点，另一子公司硅谷银行则在15个州设有39家办事处。
Repay Holdings Corp是一家聚焦北美市场的支付技术服务商，为零售、医疗、汽车服务、电商等领域的企业提供整合支付处理方案，涵盖银行卡收单、ACH转账、POS系统集成等数字化支付工具，助力客户简化交易流程、提升运营效率。
BFST vs RPAY — 直观对比
营收规模更大
BFST
是对方的1.1倍
$78.6M
营收增速更快
BFST
高出6.7%
0.4%
自由现金流更多
BFST
多$68.8M
$23.2M
两年增速更快
BFST
近两年复合增速
-1.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $83.1M | $78.6M |
| 净利润 | — | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 33.2% | -182.2% |
| 净利率 | — | -178.3% |
| 营收同比 | 7.1% | 0.4% |
| 净利润同比 | — | -3304.1% |
| 每股收益（稀释后） | $0.71 | $-1.68 |
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BFSTRPAY
| Q4 25 | $83.1M | $78.6M | ||
| Q3 25 | $80.9M | $77.7M | ||
| Q2 25 | $81.5M | $75.6M | ||
| Q1 25 | $79.2M | $77.3M | ||
| Q4 24 | $77.6M | $78.3M | ||
| Q3 24 | $66.9M | $79.1M | ||
| Q2 24 | $66.2M | $74.9M | ||
| Q1 24 | $60.9M | $80.7M |
净利润BFSTRPAY
| Q4 25 | — | $-140.1M | ||
| Q3 25 | $22.9M | $-6.4M | ||
| Q2 25 | $22.1M | $-102.3M | ||
| Q1 25 | $20.5M | $-7.9M | ||
| Q4 24 | — | $-4.1M | ||
| Q3 24 | $17.8M | $3.2M | ||
| Q2 24 | $17.2M | $-4.1M | ||
| Q1 24 | $13.6M | $-5.2M |
毛利率BFSTRPAY
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% | ||
| Q1 24 | — | 76.2% |
营业利润率BFSTRPAY
| Q4 25 | 33.2% | -182.2% | ||
| Q3 25 | 35.7% | -3.9% | ||
| Q2 25 | 34.4% | -138.7% | ||
| Q1 25 | 32.6% | -4.7% | ||
| Q4 24 | 27.5% | -1.5% | ||
| Q3 24 | 34.0% | -0.9% | ||
| Q2 24 | 32.9% | -4.6% | ||
| Q1 24 | 28.2% | -3.1% |
净利率BFSTRPAY
| Q4 25 | — | -178.3% | ||
| Q3 25 | 28.2% | -8.3% | ||
| Q2 25 | 27.1% | -135.2% | ||
| Q1 25 | 25.9% | -10.3% | ||
| Q4 24 | — | -5.3% | ||
| Q3 24 | 26.7% | 4.1% | ||
| Q2 24 | 26.0% | -5.4% | ||
| Q1 24 | 22.3% | -6.5% |
每股收益（稀释后）BFSTRPAY
| Q4 25 | $0.71 | $-1.68 | ||
| Q3 25 | $0.73 | $-0.08 | ||
| Q2 25 | $0.70 | $-1.15 | ||
| Q1 25 | $0.65 | $-0.09 | ||
| Q4 24 | $0.51 | $-0.04 | ||
| Q3 24 | $0.65 | $0.03 | ||
| Q2 24 | $0.62 | $-0.04 | ||
| Q1 24 | $0.48 | $-0.06 |
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 | $411.2M | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $896.9M | $484.4M |
| 总资产 | $8.2B | $1.2B |
| 负债/权益比越低杠杆越低 | — | 0.58× |
8季度趋势，按日历期对齐
现金及短期投资BFSTRPAY
| Q4 25 | $411.2M | $115.7M | ||
| Q3 25 | $399.1M | $95.7M | ||
| Q2 25 | $495.8M | $162.6M | ||
| Q1 25 | $312.9M | $165.5M | ||
| Q4 24 | $319.1M | $189.5M | ||
| Q3 24 | $213.2M | $168.7M | ||
| Q2 24 | $208.1M | $147.1M | ||
| Q1 24 | $185.9M | $128.3M |
总债务BFSTRPAY
| Q4 25 | — | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | — | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M | ||
| Q1 24 | — | $434.9M |
股东权益BFSTRPAY
| Q4 25 | $896.9M | $484.4M | ||
| Q3 25 | $878.4M | $616.9M | ||
| Q2 25 | $848.4M | $633.7M | ||
| Q1 25 | $826.3M | $755.7M | ||
| Q4 24 | $799.5M | $761.3M | ||
| Q3 24 | $699.5M | $754.7M | ||
| Q2 24 | $664.5M | $815.4M | ||
| Q1 24 | $649.0M | $813.8M |
总资产BFSTRPAY
| Q4 25 | $8.2B | $1.2B | ||
| Q3 25 | $8.0B | $1.3B | ||
| Q2 25 | $7.9B | $1.4B | ||
| Q1 25 | $7.8B | $1.5B | ||
| Q4 24 | $7.9B | $1.6B | ||
| Q3 24 | $6.9B | $1.6B | ||
| Q2 24 | $6.7B | $1.5B | ||
| Q1 24 | $6.7B | $1.5B |
负债/权益比BFSTRPAY
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× | ||
| Q1 24 | — | 0.53× |
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 | $92.1M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $92.0M | $23.2M |
| 自由现金流率自由现金流/营收 | 110.7% | 29.6% |
| 资本支出强度资本支出/营收 | 0.1% | 0.1% |
| 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 | $165.6M | $90.7M |
8季度趋势，按日历期对齐
经营现金流BFSTRPAY
| Q4 25 | $92.1M | $23.3M | ||
| Q3 25 | $32.4M | $32.2M | ||
| Q2 25 | $14.0M | $33.1M | ||
| Q1 25 | $28.7M | $2.5M | ||
| Q4 24 | $61.4M | $34.3M | ||
| Q3 24 | $21.4M | $60.1M | ||
| Q2 24 | $15.1M | $31.0M | ||
| Q1 24 | $7.6M | $24.8M |
自由现金流BFSTRPAY
| Q4 25 | $92.0M | $23.2M | ||
| Q3 25 | $32.1M | $32.1M | ||
| Q2 25 | $13.8M | $33.0M | ||
| Q1 25 | $27.7M | $2.4M | ||
| Q4 24 | $59.8M | $34.0M | ||
| Q3 24 | $21.0M | $59.8M | ||
| Q2 24 | $14.0M | $30.5M | ||
| Q1 24 | $7.2M | $24.7M |
自由现金流率BFSTRPAY
| Q4 25 | 110.7% | 29.6% | ||
| Q3 25 | 39.6% | 41.3% | ||
| Q2 25 | 16.9% | 43.6% | ||
| Q1 25 | 34.9% | 3.0% | ||
| Q4 24 | 77.1% | 43.5% | ||
| Q3 24 | 31.4% | 75.6% | ||
| Q2 24 | 21.2% | 40.7% | ||
| Q1 24 | 11.8% | 30.6% |
资本支出强度BFSTRPAY
| Q4 25 | 0.1% | 0.1% | ||
| Q3 25 | 0.4% | 0.2% | ||
| Q2 25 | 0.3% | 0.1% | ||
| Q1 25 | 1.3% | 0.2% | ||
| Q4 24 | 2.0% | 0.3% | ||
| Q3 24 | 0.6% | 0.3% | ||
| Q2 24 | 1.6% | 0.6% | ||
| Q1 24 | 0.6% | 0.1% |
现金转化率BFSTRPAY
| Q4 25 | — | — | ||
| Q3 25 | 1.42× | — | ||
| Q2 25 | 0.63× | — | ||
| Q1 25 | 1.40× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.20× | 18.52× | ||
| Q2 24 | 0.88× | — | ||
| Q1 24 | 0.56× | — |
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
BFST
暂无分部数据
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
