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CNB FINANCIAL CORP（CCNE）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
CNB FINANCIAL CORP的季度营收约是Repay Holdings Corp的1.1倍（$86.4M vs $78.6M），CNB FINANCIAL CORP净利率更高（24.0% vs -178.3%，领先202.3%），CNB FINANCIAL CORP同比增速更快（45.5% vs 0.4%），CNB FINANCIAL CORP自由现金流更多（$58.7M vs $23.2M），过去两年CNB FINANCIAL CORP的营收复合增速更高（26.3% vs -1.3%）
CNB金融集团（宾夕法尼亚州）是美国区域性银行控股企业，总部位于宾州，提供零售及商业银行服务，涵盖储蓄账户、个人及商业贷款、财富管理等产品，服务区域覆盖宾州、俄亥俄州及西弗吉尼亚州，客户包括个人消费者和中小微企业。
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。
CCNE vs RPAY — 直观对比
营收规模更大
CCNE
是对方的1.1倍
$78.6M
营收增速更快
CCNE
高出45.1%
0.4%
净利率更高
CCNE
高出202.3%
-178.3%
自由现金流更多
CCNE
多$35.4M
$23.2M
两年增速更快
CCNE
近两年复合增速
-1.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $86.4M | $78.6M |
| 净利润 | $20.7M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 48.4% | -182.2% |
| 净利率 | 24.0% | -178.3% |
| 营收同比 | 45.5% | 0.4% |
| 净利润同比 | 37.4% | -3304.1% |
| 每股收益（稀释后） | $0.69 | $-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CCNERPAY
| Q4 25 | $86.4M | $78.6M | ||
| Q3 25 | $77.7M | $77.7M | ||
| Q2 25 | $61.2M | $75.6M | ||
| Q1 25 | $56.9M | $77.3M | ||
| Q4 24 | $59.4M | $78.3M | ||
| Q3 24 | $58.5M | $79.1M | ||
| Q2 24 | $54.6M | $74.9M | ||
| Q1 24 | $54.2M | $80.7M |
净利润CCNERPAY
| Q4 25 | $20.7M | $-140.1M | ||
| Q3 25 | $20.0M | $-6.4M | ||
| Q2 25 | $14.0M | $-102.3M | ||
| Q1 25 | $11.5M | $-7.9M | ||
| Q4 24 | $15.1M | $-4.1M | ||
| Q3 24 | $14.0M | $3.2M | ||
| Q2 24 | $13.0M | $-4.1M | ||
| Q1 24 | $12.6M | $-5.2M |
毛利率CCNERPAY
| 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CCNERPAY
| Q4 25 | 48.4% | -182.2% | ||
| Q3 25 | 11.7% | -3.9% | ||
| Q2 25 | 28.2% | -138.7% | ||
| Q1 25 | 25.2% | -4.7% | ||
| Q4 24 | 31.4% | -1.5% | ||
| Q3 24 | 29.6% | -0.9% | ||
| Q2 24 | 29.3% | -4.6% | ||
| Q1 24 | 28.5% | -3.1% |
净利率CCNERPAY
| Q4 25 | 24.0% | -178.3% | ||
| Q3 25 | 25.7% | -8.3% | ||
| Q2 25 | 22.8% | -135.2% | ||
| Q1 25 | 20.2% | -10.3% | ||
| Q4 24 | 25.4% | -5.3% | ||
| Q3 24 | 23.9% | 4.1% | ||
| Q2 24 | 23.7% | -5.4% | ||
| Q1 24 | 23.3% | -6.5% |
每股收益（稀释后）CCNERPAY
| Q4 25 | $0.69 | $-1.68 | ||
| Q3 25 | $0.69 | $-0.08 | ||
| Q2 25 | $0.61 | $-1.15 | ||
| Q1 25 | $0.50 | $-0.09 | ||
| Q4 24 | $0.67 | $-0.04 | ||
| Q3 24 | $0.61 | $0.03 | ||
| Q2 24 | $0.56 | $-0.04 | ||
| Q1 24 | $0.55 | $-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 | $527.9M | $115.7M |
| 总债务越低越好 | $84.9M | $280.1M |
| 股东权益账面价值 | $872.1M | $484.4M |
| 总资产 | $8.4B | $1.2B |
| 负债/权益比越低杠杆越低 | 0.10× | 0.58× |
8季度趋势，按日历期对齐
现金及短期投资CCNERPAY
| Q4 25 | $527.9M | $115.7M | ||
| Q3 25 | $438.1M | $95.7M | ||
| Q2 25 | $425.4M | $162.6M | ||
| Q1 25 | $520.2M | $165.5M | ||
| Q4 24 | $443.0M | $189.5M | ||
| Q3 24 | $360.9M | $168.7M | ||
| Q2 24 | $331.1M | $147.1M | ||
| Q1 24 | $301.5M | $128.3M |
总债务CCNERPAY
| Q4 25 | $84.9M | $280.1M | ||
| Q3 25 | $84.8M | $279.5M | ||
| Q2 25 | $84.7M | $279.0M | ||
| Q1 25 | $84.6M | $497.6M | ||
| Q4 24 | $84.6M | $496.8M | ||
| Q3 24 | $84.5M | $496.2M | ||
| Q2 24 | $84.4M | $435.6M | ||
| Q1 24 | $84.3M | $434.9M |
股东权益CCNERPAY
| Q4 25 | $872.1M | $484.4M | ||
| Q3 25 | $844.2M | $616.9M | ||
| Q2 25 | $637.3M | $633.7M | ||
| Q1 25 | $624.5M | $755.7M | ||
| Q4 24 | $610.7M | $761.3M | ||
| Q3 24 | $606.4M | $754.7M | ||
| Q2 24 | $586.7M | $815.4M | ||
| Q1 24 | $578.6M | $813.8M |
总资产CCNERPAY
| Q4 25 | $8.4B | $1.2B | ||
| Q3 25 | $8.3B | $1.3B | ||
| Q2 25 | $6.3B | $1.4B | ||
| Q1 25 | $6.3B | $1.5B | ||
| Q4 24 | $6.2B | $1.6B | ||
| Q3 24 | $6.0B | $1.6B | ||
| Q2 24 | $5.9B | $1.5B | ||
| Q1 24 | $5.8B | $1.5B |
负债/权益比CCNERPAY
| Q4 25 | 0.10× | 0.58× | ||
| Q3 25 | 0.10× | 0.45× | ||
| Q2 25 | 0.13× | 0.44× | ||
| Q1 25 | 0.14× | 0.66× | ||
| Q4 24 | 0.14× | 0.65× | ||
| Q3 24 | 0.14× | 0.66× | ||
| Q2 24 | 0.14× | 0.53× | ||
| Q1 24 | 0.15× | 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 | $65.0M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $58.7M | $23.2M |
| 自由现金流率自由现金流/营收 | 67.9% | 29.6% |
| 资本支出强度资本支出/营收 | 7.3% | 0.1% |
| 现金转化率经营现金流/净利润 | 3.14× | — |
| 过去12个月自由现金流最近4个季度 | $91.3M | $90.7M |
8季度趋势，按日历期对齐
经营现金流CCNERPAY
| Q4 25 | $65.0M | $23.3M | ||
| Q3 25 | $7.0M | $32.2M | ||
| Q2 25 | $20.2M | $33.1M | ||
| Q1 25 | $11.6M | $2.5M | ||
| Q4 24 | $71.5M | $34.3M | ||
| Q3 24 | $26.4M | $60.1M | ||
| Q2 24 | $10.4M | $31.0M | ||
| Q1 24 | $12.5M | $24.8M |
自由现金流CCNERPAY
| Q4 25 | $58.7M | $23.2M | ||
| Q3 25 | $4.9M | $32.1M | ||
| Q2 25 | $17.9M | $33.0M | ||
| Q1 25 | $9.9M | $2.4M | ||
| Q4 24 | $55.2M | $34.0M | ||
| Q3 24 | $22.2M | $59.8M | ||
| Q2 24 | $4.1M | $30.5M | ||
| Q1 24 | $10.0M | $24.7M |
自由现金流率CCNERPAY
| Q4 25 | 67.9% | 29.6% | ||
| Q3 25 | 6.4% | 41.3% | ||
| Q2 25 | 29.2% | 43.6% | ||
| Q1 25 | 17.3% | 3.0% | ||
| Q4 24 | 93.0% | 43.5% | ||
| Q3 24 | 38.0% | 75.6% | ||
| Q2 24 | 7.6% | 40.7% | ||
| Q1 24 | 18.5% | 30.6% |
资本支出强度CCNERPAY
| Q4 25 | 7.3% | 0.1% | ||
| Q3 25 | 2.7% | 0.2% | ||
| Q2 25 | 3.9% | 0.1% | ||
| Q1 25 | 3.0% | 0.2% | ||
| Q4 24 | 27.4% | 0.3% | ||
| Q3 24 | 7.1% | 0.3% | ||
| Q2 24 | 11.6% | 0.6% | ||
| Q1 24 | 4.5% | 0.1% |
现金转化率CCNERPAY
| Q4 25 | 3.14× | — | ||
| Q3 25 | 0.35× | — | ||
| Q2 25 | 1.45× | — | ||
| Q1 25 | 1.01× | — | ||
| Q4 24 | 4.75× | — | ||
| Q3 24 | 1.89× | 18.52× | ||
| Q2 24 | 0.81× | — | ||
| Q1 24 | 0.99× | — |
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
CCNE
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% |
