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美国合众银行（CBNK）与RIGEL PHARMACEUTICALS INC（RIGL）财务数据对比。点击上方公司名可切换其他公司
RIGEL PHARMACEUTICALS INC的季度营收约是美国合众银行的1.1倍（$69.8M vs $62.7M），RIGEL PHARMACEUTICALS INC同比增速更快（21.2% vs 11.6%），过去两年RIGEL PHARMACEUTICALS INC的营收复合增速更高（53.7% vs 23.7%）
美国合众银行是一家总部位于明尼苏达州明尼阿波利斯、在特拉华州注册的美国跨国银行机构，截至2025年是美国第五大银行，同时也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的金融机构，其核心运营主体为美国银行国民协会，以合众银行名义开展业务，提供银行、投资、抵押贷款等多元金融服务。
Rigel制药是一家临床阶段生物技术企业，专注于研发及商业化针对自身免疫性疾病、炎症性疾病与血液疾病的靶向小分子疗法，核心市场位于美国，旗下已获批产品可治疗成人免疫性血小板减少症，致力于满足未被覆盖的临床医疗需求。
CBNK vs RIGL — 直观对比
营收规模更大
RIGL
是对方的1.1倍
$62.7M
营收增速更快
RIGL
高出9.6%
11.6%
两年增速更快
RIGL
近两年复合增速
23.7%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $62.7M | $69.8M |
| 净利润 | — | $268.1M |
| 毛利率 | — | 91.5% |
| 营业利润率 | 31.4% | 33.2% |
| 净利率 | — | 384.0% |
| 营收同比 | 11.6% | 21.2% |
| 净利润同比 | — | 1769.2% |
| 每股收益（稀释后） | $0.92 | $14.11 |
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CBNKRIGL
| Q4 25 | $62.7M | $69.8M | ||
| Q3 25 | $63.1M | $69.5M | ||
| Q2 25 | $60.8M | $101.7M | ||
| Q1 25 | $58.6M | $53.3M | ||
| Q4 24 | $56.2M | $57.6M | ||
| Q3 24 | $45.0M | $55.3M | ||
| Q2 24 | $43.9M | $36.8M | ||
| Q1 24 | $41.0M | $29.5M |
净利润CBNKRIGL
| Q4 25 | — | $268.1M | ||
| Q3 25 | $15.1M | $27.9M | ||
| Q2 25 | $13.1M | $59.6M | ||
| Q1 25 | $13.9M | $11.4M | ||
| Q4 24 | — | $14.3M | ||
| Q3 24 | $8.7M | $12.4M | ||
| Q2 24 | $8.2M | $-1.0M | ||
| Q1 24 | $6.6M | $-8.2M |
毛利率CBNKRIGL
| Q4 25 | — | 91.5% | ||
| Q3 25 | — | 93.2% | ||
| Q2 25 | — | 95.6% | ||
| Q1 25 | — | 91.7% | ||
| Q4 24 | — | 89.9% | ||
| Q3 24 | — | 85.5% | ||
| Q2 24 | — | 92.4% | ||
| Q1 24 | — | 93.1% |
营业利润率CBNKRIGL
| Q4 25 | 31.4% | 33.2% | ||
| Q3 25 | -1.5% | 40.9% | ||
| Q2 25 | -1.5% | 60.1% | ||
| Q1 25 | -1.5% | 23.9% | ||
| Q4 24 | -2.2% | 28.9% | ||
| Q3 24 | -2.2% | 25.4% | ||
| Q2 24 | -1.8% | 1.2% | ||
| Q1 24 | -2.3% | -23.6% |
净利率CBNKRIGL
| Q4 25 | — | 384.0% | ||
| Q3 25 | 23.9% | 40.2% | ||
| Q2 25 | 21.6% | 58.6% | ||
| Q1 25 | 23.8% | 21.5% | ||
| Q4 24 | — | 24.9% | ||
| Q3 24 | 19.3% | 22.5% | ||
| Q2 24 | 18.7% | -2.8% | ||
| Q1 24 | 16.0% | -27.9% |
每股收益（稀释后）CBNKRIGL
| Q4 25 | $0.92 | $14.11 | ||
| Q3 25 | $0.89 | $1.46 | ||
| Q2 25 | $0.78 | $3.28 | ||
| Q1 25 | $0.82 | $0.63 | ||
| Q4 24 | $0.44 | $0.82 | ||
| Q3 24 | $0.62 | $0.70 | ||
| Q2 24 | $0.59 | $-0.06 | ||
| Q1 24 | $0.47 | $-0.47 |
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 | — | $155.0M |
| 总债务越低越好 | — | $52.5M |
| 股东权益账面价值 | $401.8M | $391.5M |
| 总资产 | $3.6B | $513.6M |
| 负债/权益比越低杠杆越低 | — | 0.13× |
8季度趋势，按日历期对齐
现金及短期投资CBNKRIGL
| Q4 25 | — | $155.0M | ||
| Q3 25 | — | $137.1M | ||
| Q2 25 | — | $108.4M | ||
| Q1 25 | — | $77.1M | ||
| Q4 24 | — | $77.3M | ||
| Q3 24 | — | $61.1M | ||
| Q2 24 | — | $49.1M | ||
| Q1 24 | — | $49.5M |
总债务CBNKRIGL
| Q4 25 | — | $52.5M | ||
| Q3 25 | — | $60.0M | ||
| Q2 25 | — | $60.0M | ||
| Q1 25 | — | $60.0M | ||
| Q4 24 | — | $60.0M | ||
| Q3 24 | — | $60.0M | ||
| Q2 24 | — | $60.0M | ||
| Q1 24 | — | $60.0M |
股东权益CBNKRIGL
| Q4 25 | $401.8M | $391.5M | ||
| Q3 25 | $394.8M | $117.6M | ||
| Q2 25 | $380.0M | $81.9M | ||
| Q1 25 | $369.6M | $18.6M | ||
| Q4 24 | $355.1M | $3.3M | ||
| Q3 24 | $280.1M | $-14.6M | ||
| Q2 24 | $267.9M | $-29.9M | ||
| Q1 24 | $259.5M | $-31.7M |
总资产CBNKRIGL
| Q4 25 | $3.6B | $513.6M | ||
| Q3 25 | $3.4B | $242.5M | ||
| Q2 25 | $3.4B | $206.7M | ||
| Q1 25 | $3.3B | $176.0M | ||
| Q4 24 | $3.2B | $164.0M | ||
| Q3 24 | $2.6B | $139.4M | ||
| Q2 24 | $2.4B | $128.4M | ||
| Q1 24 | $2.3B | $126.5M |
负债/权益比CBNKRIGL
| Q4 25 | — | 0.13× | ||
| Q3 25 | — | 0.51× | ||
| Q2 25 | — | 0.73× | ||
| Q1 25 | — | 3.23× | ||
| Q4 24 | — | 18.25× | ||
| 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 | $69.7M | $22.0M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | 0.08× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流CBNKRIGL
| Q4 25 | $69.7M | $22.0M | ||
| Q3 25 | $32.9M | $24.0M | ||
| Q2 25 | $-4.2M | $30.5M | ||
| Q1 25 | $22.6M | $-893.0K | ||
| Q4 24 | $34.9M | $14.5M | ||
| Q3 24 | $-464.0K | $21.7M | ||
| Q2 24 | $12.9M | $302.0K | ||
| Q1 24 | $-3.4M | $-5.0M |
现金转化率CBNKRIGL
| Q4 25 | — | 0.08× | ||
| Q3 25 | 2.18× | 0.86× | ||
| Q2 25 | -0.32× | 0.51× | ||
| Q1 25 | 1.62× | -0.08× | ||
| Q4 24 | — | 1.01× | ||
| Q3 24 | -0.05× | 1.75× | ||
| Q2 24 | 1.57× | — | ||
| Q1 24 | -0.52× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
