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Certara, Inc.（CERT）与MERCANTILE BANK CORP（MBWM）财务数据对比。点击上方公司名可切换其他公司
Certara, Inc.的季度营收约是MERCANTILE BANK CORP的1.5倍（$103.6M vs $67.6M），MERCANTILE BANK CORP净利率更高（33.6% vs -5.7%，领先39.3%），过去两年MERCANTILE BANK CORP的营收复合增速更高（9.1% vs 3.6%）
Certara是全球领先的生物制药软件及咨询服务提供商，专注于建模模拟、监管科学领域的解决方案，服务药企、生物技术企业及医疗相关方，覆盖药物研发全周期，助力加快新疗法上市，降低研发风险与综合成本。
泰米尔纳德商业银行（TMB）是一家印度银行，总部位于泰米尔纳德邦杜蒂戈林。该行始建于1921年，最初名为纳达尔银行，1962年11月更名为泰米尔纳德商业银行，以拓展纳达尔社群以外的业务。目前该银行在印度全境拥有600家全功能网点、12个区域办事处及各类配套服务中心与自助设施。
CERT vs MBWM — 直观对比
营收规模更大
CERT
是对方的1.5倍
$67.6M
净利率更高
MBWM
高出39.3%
-5.7%
两年增速更快
MBWM
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $103.6M | $67.6M |
| 净利润 | $-5.9M | $22.7M |
| 毛利率 | — | — |
| 营业利润率 | 0.8% | — |
| 净利率 | -5.7% | 33.6% |
| 营收同比 | 3.3% | — |
| 净利润同比 | -189.6% | 16.1% |
| 每股收益（稀释后） | $-0.04 | $1.32 |
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CERTMBWM
| Q1 26 | — | $67.6M | ||
| Q4 25 | $103.6M | $62.1M | ||
| Q3 25 | $104.6M | $62.4M | ||
| Q2 25 | $104.6M | $60.9M | ||
| Q1 25 | $106.0M | $57.3M | ||
| Q4 24 | $100.4M | $58.5M | ||
| Q3 24 | $94.8M | $58.0M | ||
| Q2 24 | $93.3M | $56.8M |
净利润CERTMBWM
| Q1 26 | — | $22.7M | ||
| Q4 25 | $-5.9M | $22.8M | ||
| Q3 25 | $1.5M | $23.8M | ||
| Q2 25 | $-2.0M | $22.6M | ||
| Q1 25 | $4.7M | $19.5M | ||
| Q4 24 | $6.6M | $19.6M | ||
| Q3 24 | $-1.4M | $19.6M | ||
| Q2 24 | $-12.6M | $18.8M |
营业利润率CERTMBWM
| Q1 26 | — | — | ||
| Q4 25 | 0.8% | 42.0% | ||
| Q3 25 | 2.9% | 44.0% | ||
| Q2 25 | 9.1% | 42.6% | ||
| Q1 25 | 7.2% | 42.0% | ||
| Q4 24 | 6.0% | 39.7% | ||
| Q3 24 | 2.7% | 42.4% | ||
| Q2 24 | -9.7% | 41.4% |
净利率CERTMBWM
| Q1 26 | — | 33.6% | ||
| Q4 25 | -5.7% | 36.8% | ||
| Q3 25 | 1.5% | 38.1% | ||
| Q2 25 | -1.9% | 37.1% | ||
| Q1 25 | 4.5% | 34.1% | ||
| Q4 24 | 6.6% | 33.5% | ||
| Q3 24 | -1.4% | 33.8% | ||
| Q2 24 | -13.5% | 33.1% |
每股收益（稀释后）CERTMBWM
| Q1 26 | — | $1.32 | ||
| Q4 25 | $-0.04 | $1.41 | ||
| Q3 25 | $0.01 | $1.46 | ||
| Q2 25 | $-0.01 | $1.39 | ||
| Q1 25 | $0.03 | $1.21 | ||
| Q4 24 | $0.04 | $1.20 | ||
| Q3 24 | $-0.01 | $1.22 | ||
| Q2 24 | $-0.08 | $1.17 |
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 | $189.4M | — |
| 总债务越低越好 | $293.1M | $1.5M |
| 股东权益账面价值 | $1.1B | $736.9M |
| 总资产 | $1.6B | $6.9B |
| 负债/权益比越低杠杆越低 | 0.28× | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资CERTMBWM
| Q1 26 | — | — | ||
| Q4 25 | $189.4M | — | ||
| Q3 25 | $172.7M | — | ||
| Q2 25 | $162.3M | — | ||
| Q1 25 | $179.1M | — | ||
| Q4 24 | $179.2M | — | ||
| Q3 24 | $233.0M | — | ||
| Q2 24 | $224.6M | — |
总债务CERTMBWM
| Q1 26 | — | $1.5M | ||
| Q4 25 | $293.1M | — | ||
| Q3 25 | $293.5M | — | ||
| Q2 25 | $294.2M | — | ||
| Q1 25 | $294.8M | — | ||
| Q4 24 | $295.4M | — | ||
| Q3 24 | $296.1M | — | ||
| Q2 24 | $296.7M | — |
股东权益CERTMBWM
| Q1 26 | — | $736.9M | ||
| Q4 25 | $1.1B | $724.9M | ||
| Q3 25 | $1.1B | $657.6M | ||
| Q2 25 | $1.1B | $631.5M | ||
| Q1 25 | $1.1B | $608.3M | ||
| Q4 24 | $1.1B | $584.5M | ||
| Q3 24 | $1.1B | $583.3M | ||
| Q2 24 | $1.0B | $551.2M |
总资产CERTMBWM
| Q1 26 | — | $6.9B | ||
| Q4 25 | $1.6B | $6.8B | ||
| Q3 25 | $1.5B | $6.3B | ||
| Q2 25 | $1.5B | $6.2B | ||
| Q1 25 | $1.6B | $6.1B | ||
| Q4 24 | $1.6B | $6.1B | ||
| Q3 24 | $1.5B | $5.9B | ||
| Q2 24 | $1.5B | $5.6B |
负债/权益比CERTMBWM
| Q1 26 | — | 0.00× | ||
| Q4 25 | 0.28× | — | ||
| Q3 25 | 0.28× | — | ||
| Q2 25 | 0.27× | — | ||
| Q1 25 | 0.27× | — | ||
| Q4 24 | 0.28× | — | ||
| Q3 24 | 0.28× | — | ||
| Q2 24 | 0.28× | — |
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 | $28.8M | — |
| 自由现金流经营现金流 - 资本支出 | $27.8M | — |
| 自由现金流率自由现金流/营收 | 26.8% | — |
| 资本支出强度资本支出/营收 | 1.0% | — |
| 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 | $94.4M | — |
8季度趋势，按日历期对齐
经营现金流CERTMBWM
| Q1 26 | — | — | ||
| Q4 25 | $28.8M | $18.0M | ||
| Q3 25 | $32.3M | $23.1M | ||
| Q2 25 | $17.8M | $-7.8M | ||
| Q1 25 | $17.4M | $-3.0M | ||
| Q4 24 | $49.4M | $101.1M | ||
| Q3 24 | $17.0M | $-8.1M | ||
| Q2 24 | $9.8M | $9.1M |
自由现金流CERTMBWM
| Q1 26 | — | — | ||
| Q4 25 | $27.8M | — | ||
| Q3 25 | $32.1M | — | ||
| Q2 25 | $17.8M | — | ||
| Q1 25 | $16.8M | — | ||
| Q4 24 | $49.0M | — | ||
| Q3 24 | $16.8M | — | ||
| Q2 24 | $9.4M | — |
自由现金流率CERTMBWM
| Q1 26 | — | — | ||
| Q4 25 | 26.8% | — | ||
| Q3 25 | 30.7% | — | ||
| Q2 25 | 17.0% | — | ||
| Q1 25 | 15.8% | — | ||
| Q4 24 | 48.8% | — | ||
| Q3 24 | 17.7% | — | ||
| Q2 24 | 10.1% | — |
资本支出强度CERTMBWM
| Q1 26 | — | — | ||
| Q4 25 | 1.0% | — | ||
| Q3 25 | 0.2% | — | ||
| Q2 25 | 0.1% | — | ||
| Q1 25 | 0.6% | — | ||
| Q4 24 | 0.4% | — | ||
| Q3 24 | 0.2% | — | ||
| Q2 24 | 0.5% | — |
现金转化率CERTMBWM
| Q1 26 | — | — | ||
| Q4 25 | — | 0.79× | ||
| Q3 25 | 21.19× | 0.97× | ||
| Q2 25 | — | -0.35× | ||
| Q1 25 | 3.66× | -0.15× | ||
| Q4 24 | 7.51× | 5.15× | ||
| Q3 24 | — | -0.41× | ||
| Q2 24 | — | 0.49× |
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
CERT
暂无分部数据
MBWM
| Net Interest Income | $55.9M | 83% |
| Noninterest Income | $11.7M | 17% |
