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CAPITAL CITY BANK GROUP INC（CCBG）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CAPITAL CITY BANK GROUP INC的1.2倍（$78.6M vs $63.5M），CAPITAL CITY BANK GROUP INC净利率更高（21.6% vs -178.3%，领先199.9%），CAPITAL CITY BANK GROUP INC同比增速更快（6.0% vs 0.4%），CAPITAL CITY BANK GROUP INC自由现金流更多（$80.0M vs $23.2M），过去两年CAPITAL CITY BANK GROUP INC的营收复合增速更高（6.0% vs -1.3%）
德克萨斯首都银行是一家总部位于得克萨斯州达拉斯的银行，在得克萨斯州所有主要城市均设有网点，其母公司控股公司为得克萨斯首都银行控股集团，同时该机构还运营着纯线上银行部门Bask Bank。
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。
CCBG vs RPAY — 直观对比
营收规模更大
RPAY
是对方的1.2倍
$63.5M
营收增速更快
CCBG
高出5.6%
0.4%
净利率更高
CCBG
高出199.9%
-178.3%
自由现金流更多
CCBG
多$56.8M
$23.2M
两年增速更快
CCBG
近两年复合增速
-1.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $63.5M | $78.6M |
| 净利润 | $13.7M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 29.3% | -182.2% |
| 净利率 | 21.6% | -178.3% |
| 营收同比 | 6.0% | 0.4% |
| 净利润同比 | 4.7% | -3304.1% |
| 每股收益（稀释后） | $0.80 | $-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CCBGRPAY
| Q4 25 | $63.5M | $78.6M | ||
| Q3 25 | $65.9M | $77.7M | ||
| Q2 25 | $63.2M | $75.6M | ||
| Q1 25 | $61.5M | $77.3M | ||
| Q4 24 | $59.9M | $78.3M | ||
| Q3 24 | $59.7M | $79.1M | ||
| Q2 24 | $58.9M | $74.9M | ||
| Q1 24 | $56.5M | $80.7M |
净利润CCBGRPAY
| Q4 25 | $13.7M | $-140.1M | ||
| Q3 25 | $15.9M | $-6.4M | ||
| Q2 25 | $15.0M | $-102.3M | ||
| Q1 25 | $16.9M | $-7.9M | ||
| Q4 24 | $13.1M | $-4.1M | ||
| Q3 24 | $13.1M | $3.2M | ||
| Q2 24 | $14.2M | $-4.1M | ||
| Q1 24 | $12.6M | $-5.2M |
毛利率CCBGRPAY
| 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CCBGRPAY
| Q4 25 | 29.3% | -182.2% | ||
| Q3 25 | 32.0% | -3.9% | ||
| Q2 25 | 31.7% | -138.7% | ||
| Q1 25 | 35.8% | -4.7% | ||
| Q4 24 | 29.0% | -1.5% | ||
| Q3 24 | 26.1% | -0.9% | ||
| Q2 24 | 29.3% | -4.6% | ||
| Q1 24 | 27.2% | -3.1% |
净利率CCBGRPAY
| Q4 25 | 21.6% | -178.3% | ||
| Q3 25 | 24.2% | -8.3% | ||
| Q2 25 | 23.8% | -135.2% | ||
| Q1 25 | 27.4% | -10.3% | ||
| Q4 24 | 21.9% | -5.3% | ||
| Q3 24 | 22.0% | 4.1% | ||
| Q2 24 | 24.0% | -5.4% | ||
| Q1 24 | 22.2% | -6.5% |
每股收益（稀释后）CCBGRPAY
| Q4 25 | $0.80 | $-1.68 | ||
| Q3 25 | $0.93 | $-0.08 | ||
| Q2 25 | $0.88 | $-1.15 | ||
| Q1 25 | $0.99 | $-0.09 | ||
| Q4 24 | $0.78 | $-0.04 | ||
| Q3 24 | $0.77 | $0.03 | ||
| Q2 24 | $0.83 | $-0.04 | ||
| Q1 24 | $0.74 | $-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 | — | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $552.9M | $484.4M |
| 总资产 | $4.4B | $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CCBGRPAY
| 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 | ||
| Q1 24 | — | $128.3M |
总债务CCBGRPAY
| 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CCBGRPAY
| Q4 25 | $552.9M | $484.4M | ||
| Q3 25 | $540.6M | $616.9M | ||
| Q2 25 | $526.4M | $633.7M | ||
| Q1 25 | $512.6M | $755.7M | ||
| Q4 24 | $495.3M | $761.3M | ||
| Q3 24 | $476.5M | $754.7M | ||
| Q2 24 | $461.0M | $815.4M | ||
| Q1 24 | $448.3M | $813.8M |
总资产CCBGRPAY
| Q4 25 | $4.4B | $1.2B | ||
| Q3 25 | $4.3B | $1.3B | ||
| Q2 25 | $4.4B | $1.4B | ||
| Q1 25 | $4.5B | $1.5B | ||
| Q4 24 | $4.3B | $1.6B | ||
| Q3 24 | $4.2B | $1.6B | ||
| Q2 24 | $4.2B | $1.5B | ||
| Q1 24 | $4.3B | $1.5B |
负债/权益比CCBGRPAY
| 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 | $87.6M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $80.0M | $23.2M |
| 自由现金流率自由现金流/营收 | 126.1% | 29.6% |
| 资本支出强度资本支出/营收 | 12.0% | 0.1% |
| 现金转化率经营现金流/净利润 | 6.39× | — |
| 过去12个月自由现金流最近4个季度 | $150.1M | $90.7M |
8季度趋势，按日历期对齐
经营现金流CCBGRPAY
| Q4 25 | $87.6M | $23.3M | ||
| Q3 25 | $21.6M | $32.2M | ||
| Q2 25 | $32.6M | $33.1M | ||
| Q1 25 | $21.9M | $2.5M | ||
| Q4 24 | $63.6M | $34.3M | ||
| Q3 24 | $12.8M | $60.1M | ||
| Q2 24 | $24.9M | $31.0M | ||
| Q1 24 | $14.6M | $24.8M |
自由现金流CCBGRPAY
| Q4 25 | $80.0M | $23.2M | ||
| Q3 25 | $19.8M | $32.1M | ||
| Q2 25 | $30.8M | $33.0M | ||
| Q1 25 | $19.5M | $2.4M | ||
| Q4 24 | $54.9M | $34.0M | ||
| Q3 24 | $10.5M | $59.8M | ||
| Q2 24 | $23.0M | $30.5M | ||
| Q1 24 | $12.4M | $24.7M |
自由现金流率CCBGRPAY
| Q4 25 | 126.1% | 29.6% | ||
| Q3 25 | 30.1% | 41.3% | ||
| Q2 25 | 48.7% | 43.6% | ||
| Q1 25 | 31.7% | 3.0% | ||
| Q4 24 | 91.7% | 43.5% | ||
| Q3 24 | 17.6% | 75.6% | ||
| Q2 24 | 39.0% | 40.7% | ||
| Q1 24 | 22.0% | 30.6% |
资本支出强度CCBGRPAY
| Q4 25 | 12.0% | 0.1% | ||
| Q3 25 | 2.6% | 0.2% | ||
| Q2 25 | 2.9% | 0.1% | ||
| Q1 25 | 3.9% | 0.2% | ||
| Q4 24 | 14.5% | 0.3% | ||
| Q3 24 | 3.8% | 0.3% | ||
| Q2 24 | 3.3% | 0.6% | ||
| Q1 24 | 4.0% | 0.1% |
现金转化率CCBGRPAY
| Q4 25 | 6.39× | — | ||
| Q3 25 | 1.35× | — | ||
| Q2 25 | 2.17× | — | ||
| Q1 25 | 1.30× | — | ||
| Q4 24 | 4.86× | — | ||
| Q3 24 | 0.97× | 18.52× | ||
| Q2 24 | 1.76× | — | ||
| Q1 24 | 1.17× | — |
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
CCBG
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% |
