vs
Blend Labs, Inc.（BLND）与RBB Bancorp（RBB）财务数据对比。点击上方公司名可切换其他公司
Blend Labs, Inc.的季度营收约是RBB Bancorp的1.0倍（$32.4M vs $32.3M），RBB Bancorp净利率更高（31.5% vs -7.8%，领先39.3%），RBB Bancorp同比增速更快（12.6% vs 7.6%），RBB Bancorp自由现金流更多（$42.6M vs $-21.0K），过去两年Blend Labs, Inc.的营收复合增速更高（16.6% vs 7.0%）
GU Energy Labs是一家总部位于美国加利福尼亚州伯克利的运动营养产品生产商，核心产品为深受耐力运动爱好者青睐的能量胶，可在各类运动中快速易消化吸收。此外品牌还推出能量咀嚼糖、冲调饮品、补水片、 stroopwafel荷蘭焦糖煎餅以及Roctane系列产品，涵盖能量冲饮、蛋白恢复冲饮、能量胶和胶囊等，公司于1994年由比尔·沃恩创立。
RBB银行控股公司是总部位于美国的金融控股集团，旗下核心主体为皇家商业银行，主要服务亚裔社群、中小微企业、不动产投资者及零售客户，提供商业信贷、储蓄存款、财富管理等多元金融服务，业务覆盖美国沿海核心都会区。
BLND vs RBB — 直观对比
营收规模更大
BLND
是对方的1.0倍
$32.3M
营收增速更快
RBB
高出5.0%
7.6%
净利率更高
RBB
高出39.3%
-7.8%
自由现金流更多
RBB
多$42.6M
$-21.0K
两年增速更快
BLND
近两年复合增速
7.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $32.4M | $32.3M |
| 净利润 | $-2.5M | $10.2M |
| 毛利率 | 75.7% | — |
| 营业利润率 | -11.1% | 39.5% |
| 净利率 | -7.8% | 31.5% |
| 营收同比 | 7.6% | 12.6% |
| 净利润同比 | -207.0% | 132.1% |
| 每股收益（稀释后） | — | $0.59 |
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BLNDRBB
| Q4 25 | $32.4M | $32.3M | ||
| Q3 25 | $32.7M | $32.6M | ||
| Q2 25 | $31.6M | $35.8M | ||
| Q1 25 | $26.8M | $28.5M | ||
| Q4 24 | $30.1M | $28.7M | ||
| Q3 24 | $33.1M | $30.3M | ||
| Q2 24 | $28.7M | $27.5M | ||
| Q1 24 | $23.8M | $28.2M |
净利润BLNDRBB
| Q4 25 | $-2.5M | $10.2M | ||
| Q3 25 | $12.1M | $10.1M | ||
| Q2 25 | $-6.8M | $9.3M | ||
| Q1 25 | $-9.5M | $2.3M | ||
| Q4 24 | $-825.0K | $4.4M | ||
| Q3 24 | $-2.4M | $7.0M | ||
| Q2 24 | $-19.4M | $7.2M | ||
| Q1 24 | $-20.7M | $8.0M |
毛利率BLNDRBB
| Q4 25 | 75.7% | — | ||
| Q3 25 | 74.3% | — | ||
| Q2 25 | 73.8% | — | ||
| Q1 25 | 70.8% | — | ||
| Q4 24 | 74.2% | — | ||
| Q3 24 | 74.0% | — | ||
| Q2 24 | 70.9% | — | ||
| Q1 24 | 67.3% | — |
营业利润率BLNDRBB
| Q4 25 | -11.1% | 39.5% | ||
| Q3 25 | -16.4% | 40.7% | ||
| Q2 25 | -15.3% | 36.1% | ||
| Q1 25 | -29.7% | 11.2% | ||
| Q4 24 | -10.9% | 17.6% | ||
| Q3 24 | -34.1% | 31.6% | ||
| Q2 24 | -45.5% | 35.6% | ||
| Q1 24 | -89.0% | 39.9% |
净利率BLNDRBB
| Q4 25 | -7.8% | 31.5% | ||
| Q3 25 | 37.0% | 31.2% | ||
| Q2 25 | -21.6% | 26.1% | ||
| Q1 25 | -35.5% | 8.0% | ||
| Q4 24 | -2.7% | 15.3% | ||
| Q3 24 | -7.4% | 23.1% | ||
| Q2 24 | -67.6% | 26.4% | ||
| Q1 24 | -86.7% | 28.4% |
每股收益（稀释后）BLNDRBB
| Q4 25 | — | $0.59 | ||
| Q3 25 | $0.02 | $0.59 | ||
| Q2 25 | — | $0.52 | ||
| Q1 25 | — | $0.13 | ||
| Q4 24 | $-0.03 | $0.26 | ||
| Q3 24 | $-0.03 | $0.39 | ||
| Q2 24 | $-0.09 | $0.39 | ||
| Q1 24 | $-0.09 | $0.43 |
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 | $68.3M | $212.3M |
| 总债务越低越好 | $0 | $119.9M |
| 股东权益账面价值 | $-30.5M | $523.4M |
| 总资产 | $170.0M | $4.2B |
| 负债/权益比越低杠杆越低 | — | 0.23× |
8季度趋势，按日历期对齐
现金及短期投资BLNDRBB
| Q4 25 | $68.3M | $212.3M | ||
| Q3 25 | $77.3M | $234.9M | ||
| Q2 25 | $88.3M | $191.9M | ||
| Q1 25 | $104.8M | $238.8M | ||
| Q4 24 | $94.2M | $257.7M | ||
| Q3 24 | $112.3M | $349.4M | ||
| Q2 24 | $108.9M | $252.8M | ||
| Q1 24 | $121.1M | — |
总债务BLNDRBB
| Q4 25 | $0 | $119.9M | ||
| Q3 25 | $0 | $119.8M | ||
| Q2 25 | $0 | $119.7M | ||
| Q1 25 | $0 | $119.6M | ||
| Q4 24 | $0 | $119.5M | ||
| Q3 24 | $0 | $119.4M | ||
| Q2 24 | $0 | $119.3M | ||
| Q1 24 | $138.9M | $119.2M |
股东权益BLNDRBB
| Q4 25 | $-30.5M | $523.4M | ||
| Q3 25 | $-13.4M | $514.3M | ||
| Q2 25 | $-23.1M | $517.7M | ||
| Q1 25 | $-17.2M | $510.3M | ||
| Q4 24 | $-56.4M | $507.9M | ||
| Q3 24 | $-49.6M | $509.7M | ||
| Q2 24 | $-45.5M | $511.3M | ||
| Q1 24 | $-35.8M | $514.0M |
总资产BLNDRBB
| Q4 25 | $170.0M | $4.2B | ||
| Q3 25 | $188.6M | $4.2B | ||
| Q2 25 | $182.2M | $4.1B | ||
| Q1 25 | $187.5M | $4.0B | ||
| Q4 24 | $178.1M | $4.0B | ||
| Q3 24 | $186.1M | $4.0B | ||
| Q2 24 | $185.4M | $3.9B | ||
| Q1 24 | $201.8M | $3.9B |
负债/权益比BLNDRBB
| Q4 25 | — | 0.23× | ||
| Q3 25 | — | 0.23× | ||
| Q2 25 | — | 0.23× | ||
| Q1 25 | — | 0.23× | ||
| Q4 24 | — | 0.24× | ||
| Q3 24 | — | 0.23× | ||
| Q2 24 | — | 0.23× | ||
| Q1 24 | — | 0.23× |
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 | $1.5M | $43.4M |
| 自由现金流经营现金流 - 资本支出 | $-21.0K | $42.6M |
| 自由现金流率自由现金流/营收 | -0.1% | 131.8% |
| 资本支出强度资本支出/营收 | 4.8% | 2.5% |
| 现金转化率经营现金流/净利润 | — | 4.26× |
| 过去12个月自由现金流最近4个季度 | $-81.0K | $73.5M |
8季度趋势，按日历期对齐
经营现金流BLNDRBB
| Q4 25 | $1.5M | $43.4M | ||
| Q3 25 | $-3.6M | $2.1M | ||
| Q2 25 | $-6.5M | $21.7M | ||
| Q1 25 | $20.1M | $7.8M | ||
| Q4 24 | $-4.6M | $58.5M | ||
| Q3 24 | $2.1M | $24.5M | ||
| Q2 24 | $-6.7M | $11.7M | ||
| Q1 24 | $-3.9M | $4.8M |
自由现金流BLNDRBB
| Q4 25 | $-21.0K | $42.6M | ||
| Q3 25 | $-5.8M | $1.8M | ||
| Q2 25 | $-10.1M | $21.6M | ||
| Q1 25 | $15.8M | $7.6M | ||
| Q4 24 | $-7.1M | $57.7M | ||
| Q3 24 | $-1.4M | $24.2M | ||
| Q2 24 | $-8.5M | $11.5M | ||
| Q1 24 | $-5.8M | $4.7M |
自由现金流率BLNDRBB
| Q4 25 | -0.1% | 131.8% | ||
| Q3 25 | -17.6% | 5.4% | ||
| Q2 25 | -31.9% | 60.2% | ||
| Q1 25 | 58.9% | 26.7% | ||
| Q4 24 | -23.5% | 201.0% | ||
| Q3 24 | -4.1% | 80.0% | ||
| Q2 24 | -29.7% | 42.0% | ||
| Q1 24 | -24.5% | 16.6% |
资本支出强度BLNDRBB
| Q4 25 | 4.8% | 2.5% | ||
| Q3 25 | 6.5% | 1.1% | ||
| Q2 25 | 11.4% | 0.3% | ||
| Q1 25 | 16.1% | 0.6% | ||
| Q4 24 | 8.3% | 2.7% | ||
| Q3 24 | 10.4% | 0.8% | ||
| Q2 24 | 6.5% | 0.5% | ||
| Q1 24 | 8.2% | 0.5% |
现金转化率BLNDRBB
| Q4 25 | — | 4.26× | ||
| Q3 25 | -0.30× | 0.21× | ||
| Q2 25 | — | 2.32× | ||
| Q1 25 | — | 3.39× | ||
| Q4 24 | — | 13.34× | ||
| Q3 24 | — | 3.50× | ||
| Q2 24 | — | 1.61× | ||
| Q1 24 | — | 0.60× |
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
BLND
| Mortgage Suite | $18.9M | 58% |
| Consumer Banking Suite | $11.4M | 35% |
| Professional Services | $2.1M | 6% |
RBB
暂无分部数据
