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COLONY BANKCORP INC（CBAN）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
Repay Holdings Corp的季度营收约是COLONY BANKCORP INC的2.0倍（$78.6M vs $39.9M），COLONY BANKCORP INC净利率更高（20.6% vs -178.3%，领先198.9%），过去两年COLONY BANKCORP INC的营收复合增速更高（19.6% vs -1.3%）
Colony Bankcorp Inc是总部位于美国的银行控股公司，旗下运营Colony Bank，主要面向佐治亚州的个人消费者与中小企业，提供储蓄账户、贷款、抵押及财富管理等全方位个人及商业金融服务。
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。
CBAN vs RPAY — 直观对比
营收规模更大
RPAY
是对方的2.0倍
$39.9M
净利率更高
CBAN
高出198.9%
-178.3%
两年增速更快
CBAN
近两年复合增速
-1.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $39.9M | $78.6M |
| 净利润 | $8.2M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | — | -182.2% |
| 净利率 | 20.6% | -178.3% |
| 营收同比 | — | 0.4% |
| 净利润同比 | 24.1% | -3304.1% |
| 每股收益（稀释后） | — | $-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CBANRPAY
| Q1 26 | $39.9M | — | ||
| Q4 25 | $36.9M | $78.6M | ||
| Q3 25 | $32.8M | $77.7M | ||
| Q2 25 | $32.5M | $75.6M | ||
| Q1 25 | $30.0M | $77.3M | ||
| Q4 24 | $30.8M | $78.3M | ||
| Q3 24 | $28.6M | $79.1M | ||
| Q2 24 | $27.9M | $74.9M |
净利润CBANRPAY
| Q1 26 | $8.2M | — | ||
| Q4 25 | — | $-140.1M | ||
| Q3 25 | $5.8M | $-6.4M | ||
| Q2 25 | $8.0M | $-102.3M | ||
| Q1 25 | $6.6M | $-7.9M | ||
| Q4 24 | — | $-4.1M | ||
| Q3 24 | $5.6M | $3.2M | ||
| Q2 24 | $5.5M | $-4.1M |
毛利率CBANRPAY
| Q1 26 | — | — | ||
| 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% |
营业利润率CBANRPAY
| Q1 26 | — | — | ||
| Q4 25 | 25.9% | -182.2% | ||
| Q3 25 | 22.2% | -3.9% | ||
| Q2 25 | 30.9% | -138.7% | ||
| Q1 25 | 27.6% | -4.7% | ||
| Q4 24 | 28.8% | -1.5% | ||
| Q3 24 | 24.6% | -0.9% | ||
| Q2 24 | 24.8% | -4.6% |
净利率CBANRPAY
| Q1 26 | 20.6% | — | ||
| Q4 25 | — | -178.3% | ||
| Q3 25 | 17.7% | -8.3% | ||
| Q2 25 | 24.6% | -135.2% | ||
| Q1 25 | 22.0% | -10.3% | ||
| Q4 24 | — | -5.3% | ||
| Q3 24 | 19.7% | 4.1% | ||
| Q2 24 | 19.6% | -5.4% |
每股收益（稀释后）CBANRPAY
| Q1 26 | — | — | ||
| Q4 25 | $0.42 | $-1.68 | ||
| Q3 25 | $0.33 | $-0.08 | ||
| Q2 25 | $0.46 | $-1.15 | ||
| Q1 25 | $0.38 | $-0.09 | ||
| Q4 24 | $0.43 | $-0.04 | ||
| Q3 24 | $0.32 | $0.03 | ||
| Q2 24 | $0.31 | $-0.04 |
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 | $295.8M | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $380.4M | $484.4M |
| 总资产 | $3.7B | $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CBANRPAY
| Q1 26 | $295.8M | — | ||
| Q4 25 | — | $115.7M | ||
| Q3 25 | — | $95.7M | ||
| Q2 25 | — | $162.6M | ||
| Q1 25 | — | $165.5M | ||
| Q4 24 | — | $189.5M | ||
| Q3 24 | — | $168.7M | ||
| Q2 24 | — | $147.1M |
总债务CBANRPAY
| Q1 26 | — | — | ||
| Q4 25 | $258.1M | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | $248.0M | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M |
股东权益CBANRPAY
| Q1 26 | $380.4M | — | ||
| Q4 25 | $375.9M | $484.4M | ||
| Q3 25 | $302.3M | $616.9M | ||
| Q2 25 | $293.9M | $633.7M | ||
| Q1 25 | $286.9M | $755.7M | ||
| Q4 24 | $278.7M | $761.3M | ||
| Q3 24 | $276.1M | $754.7M | ||
| Q2 24 | $264.7M | $815.4M |
总资产CBANRPAY
| Q1 26 | $3.7B | — | ||
| Q4 25 | $3.7B | $1.2B | ||
| Q3 25 | $3.2B | $1.3B | ||
| Q2 25 | $3.1B | $1.4B | ||
| Q1 25 | $3.2B | $1.5B | ||
| Q4 24 | $3.1B | $1.6B | ||
| Q3 24 | $3.1B | $1.6B | ||
| Q2 24 | $3.0B | $1.5B |
负债/权益比CBANRPAY
| Q1 26 | — | — | ||
| Q4 25 | 0.69× | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | 0.89× | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 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 | — | $23.3M |
| 自由现金流经营现金流 - 资本支出 | — | $23.2M |
| 自由现金流率自由现金流/营收 | — | 29.6% |
| 资本支出强度资本支出/营收 | — | 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 | — | $90.7M |
8季度趋势，按日历期对齐
经营现金流CBANRPAY
| Q1 26 | — | — | ||
| Q4 25 | $-5.5M | $23.3M | ||
| Q3 25 | $14.4M | $32.2M | ||
| Q2 25 | $15.8M | $33.1M | ||
| Q1 25 | $17.9M | $2.5M | ||
| Q4 24 | $23.4M | $34.3M | ||
| Q3 24 | $20.5M | $60.1M | ||
| Q2 24 | $1.1M | $31.0M |
自由现金流CBANRPAY
| Q1 26 | — | — | ||
| Q4 25 | $-6.9M | $23.2M | ||
| Q3 25 | $14.1M | $32.1M | ||
| Q2 25 | $15.8M | $33.0M | ||
| Q1 25 | $17.6M | $2.4M | ||
| Q4 24 | $22.3M | $34.0M | ||
| Q3 24 | $20.2M | $59.8M | ||
| Q2 24 | $990.0K | $30.5M |
自由现金流率CBANRPAY
| Q1 26 | — | — | ||
| Q4 25 | -18.7% | 29.6% | ||
| Q3 25 | 42.9% | 41.3% | ||
| Q2 25 | 48.5% | 43.6% | ||
| Q1 25 | 58.7% | 3.0% | ||
| Q4 24 | 72.5% | 43.5% | ||
| Q3 24 | 70.6% | 75.6% | ||
| Q2 24 | 3.5% | 40.7% |
资本支出强度CBANRPAY
| Q1 26 | — | — | ||
| Q4 25 | 3.7% | 0.1% | ||
| Q3 25 | 1.1% | 0.2% | ||
| Q2 25 | 0.3% | 0.1% | ||
| Q1 25 | 1.2% | 0.2% | ||
| Q4 24 | 3.5% | 0.3% | ||
| Q3 24 | 1.0% | 0.3% | ||
| Q2 24 | 0.5% | 0.6% |
现金转化率CBANRPAY
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 2.48× | — | ||
| Q2 25 | 1.99× | — | ||
| Q1 25 | 2.71× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 3.64× | 18.52× | ||
| Q2 24 | 0.20× | — |
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
CBAN
| Net Interest Income | $29.2M | 73% |
| Noninterest Income | $10.7M | 27% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
