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ConnectOne Bancorp, Inc.（CNOB）与RE/MAX Holdings, Inc.（RMAX）财务数据对比。点击上方公司名可切换其他公司
ConnectOne Bancorp, Inc.的季度营收约是RE/MAX Holdings, Inc.的1.6倍（$115.6M vs $71.1M），ConnectOne Bancorp, Inc.净利率更高（32.7% vs 2.0%，领先30.7%），过去两年ConnectOne Bancorp, Inc.的营收复合增速更高（32.5% vs -4.7%）
原公民共和银行控股公司是公民银行的母公司，总部位于密歇根州弗林特市。该公司曾在密歇根、威斯康星和俄亥俄三州运营219家分行与248台自动取款机，2013年6月与第一美德银行合并，第一美德后于2016年被亨廷顿银行控股收购。
RE/MAX是全球知名的房地产特许经营机构，业务遍布全球一百多个国家和地区，旗下拥有数千家门店，总计超过十万名房产经纪人，在国际房产中介领域拥有极高的品牌知名度与市场影响力。
CNOB vs RMAX — 直观对比
营收规模更大
CNOB
是对方的1.6倍
$71.1M
净利率更高
CNOB
高出30.7%
2.0%
两年增速更快
CNOB
近两年复合增速
-4.7%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $115.6M | $71.1M |
| 净利润 | $37.8M | $1.4M |
| 毛利率 | — | — |
| 营业利润率 | — | 13.1% |
| 净利率 | 32.7% | 2.0% |
| 营收同比 | — | -1.8% |
| 净利润同比 | 86.8% | -75.2% |
| 每股收益（稀释后） | $0.72 | — |
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CNOBRMAX
| Q1 26 | $115.6M | — | ||
| Q4 25 | $112.6M | $71.1M | ||
| Q3 25 | $121.4M | $73.2M | ||
| Q2 25 | $84.1M | $72.8M | ||
| Q1 25 | $70.2M | $74.5M | ||
| Q4 24 | $68.5M | $72.5M | ||
| Q3 24 | $65.6M | $78.5M | ||
| Q2 24 | $65.8M | $78.5M |
净利润CNOBRMAX
| Q1 26 | $37.8M | — | ||
| Q4 25 | — | $1.4M | ||
| Q3 25 | $41.0M | $4.0M | ||
| Q2 25 | $-20.3M | $4.7M | ||
| Q1 25 | $20.2M | $-2.0M | ||
| Q4 24 | — | $5.8M | ||
| Q3 24 | $17.2M | $966.0K | ||
| Q2 24 | $19.1M | $3.7M |
营业利润率CNOBRMAX
| Q1 26 | — | — | ||
| Q4 25 | 47.4% | 13.1% | ||
| Q3 25 | 47.2% | 25.0% | ||
| Q2 25 | -30.1% | 19.3% | ||
| Q1 25 | 39.0% | 7.2% | ||
| Q4 24 | 38.6% | 5.9% | ||
| Q3 24 | 35.3% | 19.4% | ||
| Q2 24 | 39.1% | 20.6% |
净利率CNOBRMAX
| Q1 26 | 32.7% | — | ||
| Q4 25 | — | 2.0% | ||
| Q3 25 | 33.7% | 5.4% | ||
| Q2 25 | -24.1% | 6.4% | ||
| Q1 25 | 28.8% | -2.6% | ||
| Q4 24 | — | 8.0% | ||
| Q3 24 | 26.2% | 1.2% | ||
| Q2 24 | 28.9% | 4.7% |
每股收益（稀释后）CNOBRMAX
| Q1 26 | $0.72 | — | ||
| Q4 25 | $0.88 | — | ||
| Q3 25 | $0.78 | — | ||
| Q2 25 | $-0.52 | — | ||
| Q1 25 | $0.49 | — | ||
| Q4 24 | $0.48 | — | ||
| Q3 24 | $0.41 | — | ||
| Q2 24 | $0.46 | — |
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 | $344.5M | $118.7M |
| 总债务越低越好 | — | $432.2M |
| 股东权益账面价值 | $1.6B | $452.4M |
| 总资产 | $14.2B | $582.5M |
| 负债/权益比越低杠杆越低 | — | 0.96× |
8季度趋势，按日历期对齐
现金及短期投资CNOBRMAX
| Q1 26 | $344.5M | — | ||
| Q4 25 | $380.9M | $118.7M | ||
| Q3 25 | $542.7M | $107.5M | ||
| Q2 25 | $596.5M | $94.3M | ||
| Q1 25 | $292.6M | $89.1M | ||
| Q4 24 | $356.5M | $96.6M | ||
| Q3 24 | $247.2M | $83.8M | ||
| Q2 24 | $293.5M | $66.1M |
总债务CNOBRMAX
| Q1 26 | — | — | ||
| Q4 25 | — | $432.2M | ||
| Q3 25 | — | $433.3M | ||
| Q2 25 | — | $434.4M | ||
| Q1 25 | — | $435.3M | ||
| Q4 24 | — | $436.2M | ||
| Q3 24 | — | $437.2M | ||
| Q2 24 | — | $438.1M |
股东权益CNOBRMAX
| Q1 26 | $1.6B | — | ||
| Q4 25 | $1.6B | $452.4M | ||
| Q3 25 | $1.5B | $448.1M | ||
| Q2 25 | $1.5B | $442.4M | ||
| Q1 25 | $1.3B | $433.5M | ||
| Q4 24 | $1.2B | $429.5M | ||
| Q3 24 | $1.2B | $423.1M | ||
| Q2 24 | $1.2B | $418.4M |
总资产CNOBRMAX
| Q1 26 | $14.2B | — | ||
| Q4 25 | $14.0B | $582.5M | ||
| Q3 25 | $14.0B | $582.2M | ||
| Q2 25 | $13.9B | $574.8M | ||
| Q1 25 | $9.8B | $571.4M | ||
| Q4 24 | $9.9B | $581.6M | ||
| Q3 24 | $9.6B | $578.6M | ||
| Q2 24 | $9.7B | $571.4M |
负债/权益比CNOBRMAX
| Q1 26 | — | — | ||
| Q4 25 | — | 0.96× | ||
| Q3 25 | — | 0.97× | ||
| Q2 25 | — | 0.98× | ||
| Q1 25 | — | 1.00× | ||
| Q4 24 | — | 1.02× | ||
| Q3 24 | — | 1.03× | ||
| Q2 24 | — | 1.05× |
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 | — | $40.9M |
| 自由现金流经营现金流 - 资本支出 | — | $33.5M |
| 自由现金流率自由现金流/营收 | — | 47.1% |
| 资本支出强度资本支出/营收 | — | 10.4% |
| 现金转化率经营现金流/净利润 | — | 28.39× |
| 过去12个月自由现金流最近4个季度 | — | $56.8M |
8季度趋势，按日历期对齐
经营现金流CNOBRMAX
| Q1 26 | — | — | ||
| Q4 25 | $106.4M | $40.9M | ||
| Q3 25 | $37.4M | $17.7M | ||
| Q2 25 | $6.5M | $4.6M | ||
| Q1 25 | $14.9M | $5.7M | ||
| Q4 24 | $60.7M | $59.7M | ||
| Q3 24 | $-14.4M | $17.6M | ||
| Q2 24 | $22.3M | $15.9M |
自由现金流CNOBRMAX
| Q1 26 | — | — | ||
| Q4 25 | $101.0M | $33.5M | ||
| Q3 25 | $33.9M | $16.4M | ||
| Q2 25 | $6.4M | $2.9M | ||
| Q1 25 | $14.6M | $4.0M | ||
| Q4 24 | $56.9M | $53.0M | ||
| Q3 24 | $-15.6M | $16.3M | ||
| Q2 24 | $22.2M | $14.0M |
自由现金流率CNOBRMAX
| Q1 26 | — | — | ||
| Q4 25 | 89.7% | 47.1% | ||
| Q3 25 | 27.9% | 22.4% | ||
| Q2 25 | 7.6% | 4.0% | ||
| Q1 25 | 20.8% | 5.3% | ||
| Q4 24 | 83.1% | 73.2% | ||
| Q3 24 | -23.8% | 20.8% | ||
| Q2 24 | 33.7% | 17.8% |
资本支出强度CNOBRMAX
| Q1 26 | — | — | ||
| Q4 25 | 4.8% | 10.4% | ||
| Q3 25 | 2.8% | 1.8% | ||
| Q2 25 | 0.1% | 2.2% | ||
| Q1 25 | 0.4% | 2.3% | ||
| Q4 24 | 5.5% | 9.1% | ||
| Q3 24 | 1.9% | 1.7% | ||
| Q2 24 | 0.2% | 2.4% |
现金转化率CNOBRMAX
| Q1 26 | — | — | ||
| Q4 25 | — | 28.39× | ||
| Q3 25 | 0.91× | 4.45× | ||
| Q2 25 | — | 0.97× | ||
| Q1 25 | 0.74× | — | ||
| Q4 24 | — | 10.28× | ||
| Q3 24 | -0.84× | 18.22× | ||
| Q2 24 | 1.17× | 4.29× |
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
CNOB
| Net Interest Income | $108.8M | 94% |
| Noninterest Income | $6.8M | 6% |
RMAX
| Franchising Segment | $50.1M | 70% |
| Broker Fees | $13.9M | 20% |
| Annual Dues | $7.4M | 10% |
