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ConnectOne Bancorp, Inc.（CNOB）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
ConnectOne Bancorp, Inc.的季度营收约是Repay Holdings Corp的1.5倍（$115.6M vs $78.6M），ConnectOne Bancorp, Inc.净利率更高（32.7% vs -178.3%，领先211.0%），过去两年ConnectOne Bancorp, Inc.的营收复合增速更高（32.5% vs -1.3%）
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。
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。
CNOB vs RPAY — 直观对比
营收规模更大
CNOB
是对方的1.5倍
$78.6M
净利率更高
CNOB
高出211.0%
-178.3%
两年增速更快
CNOB
近两年复合增速
-1.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $115.6M | $78.6M |
| 净利润 | $37.8M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | — | -182.2% |
| 净利率 | 32.7% | -178.3% |
| 营收同比 | — | 0.4% |
| 净利润同比 | 86.8% | -3304.1% |
| 每股收益（稀释后） | $0.72 | $-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CNOBRPAY
| Q1 26 | $115.6M | — | ||
| Q4 25 | $112.6M | $78.6M | ||
| Q3 25 | $121.4M | $77.7M | ||
| Q2 25 | $84.1M | $75.6M | ||
| Q1 25 | $70.2M | $77.3M | ||
| Q4 24 | $68.5M | $78.3M | ||
| Q3 24 | $65.6M | $79.1M | ||
| Q2 24 | $65.8M | $74.9M |
净利润CNOBRPAY
| Q1 26 | $37.8M | — | ||
| Q4 25 | — | $-140.1M | ||
| Q3 25 | $41.0M | $-6.4M | ||
| Q2 25 | $-20.3M | $-102.3M | ||
| Q1 25 | $20.2M | $-7.9M | ||
| Q4 24 | — | $-4.1M | ||
| Q3 24 | $17.2M | $3.2M | ||
| Q2 24 | $19.1M | $-4.1M |
毛利率CNOBRPAY
| Q1 26 | — | — | ||
| 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% |
营业利润率CNOBRPAY
| Q1 26 | — | — | ||
| Q4 25 | 47.4% | -182.2% | ||
| Q3 25 | 47.2% | -3.9% | ||
| Q2 25 | -30.1% | -138.7% | ||
| Q1 25 | 39.0% | -4.7% | ||
| Q4 24 | 38.6% | -1.5% | ||
| Q3 24 | 35.3% | -0.9% | ||
| Q2 24 | 39.1% | -4.6% |
净利率CNOBRPAY
| Q1 26 | 32.7% | — | ||
| Q4 25 | — | -178.3% | ||
| Q3 25 | 33.7% | -8.3% | ||
| Q2 25 | -24.1% | -135.2% | ||
| Q1 25 | 28.8% | -10.3% | ||
| Q4 24 | — | -5.3% | ||
| Q3 24 | 26.2% | 4.1% | ||
| Q2 24 | 28.9% | -5.4% |
每股收益（稀释后）CNOBRPAY
| Q1 26 | $0.72 | — | ||
| Q4 25 | $0.88 | $-1.68 | ||
| Q3 25 | $0.78 | $-0.08 | ||
| Q2 25 | $-0.52 | $-1.15 | ||
| Q1 25 | $0.49 | $-0.09 | ||
| Q4 24 | $0.48 | $-0.04 | ||
| Q3 24 | $0.41 | $0.03 | ||
| Q2 24 | $0.46 | $-0.04 |
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 | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $1.6B | $484.4M |
| 总资产 | $14.2B | $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CNOBRPAY
| Q1 26 | $344.5M | — | ||
| Q4 25 | $380.9M | $115.7M | ||
| Q3 25 | $542.7M | $95.7M | ||
| Q2 25 | $596.5M | $162.6M | ||
| Q1 25 | $292.6M | $165.5M | ||
| Q4 24 | $356.5M | $189.5M | ||
| Q3 24 | $247.2M | $168.7M | ||
| Q2 24 | $293.5M | $147.1M |
总债务CNOBRPAY
| Q1 26 | — | — | ||
| 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 |
股东权益CNOBRPAY
| Q1 26 | $1.6B | — | ||
| Q4 25 | $1.6B | $484.4M | ||
| Q3 25 | $1.5B | $616.9M | ||
| Q2 25 | $1.5B | $633.7M | ||
| Q1 25 | $1.3B | $755.7M | ||
| Q4 24 | $1.2B | $761.3M | ||
| Q3 24 | $1.2B | $754.7M | ||
| Q2 24 | $1.2B | $815.4M |
总资产CNOBRPAY
| Q1 26 | $14.2B | — | ||
| Q4 25 | $14.0B | $1.2B | ||
| Q3 25 | $14.0B | $1.3B | ||
| Q2 25 | $13.9B | $1.4B | ||
| Q1 25 | $9.8B | $1.5B | ||
| Q4 24 | $9.9B | $1.6B | ||
| Q3 24 | $9.6B | $1.6B | ||
| Q2 24 | $9.7B | $1.5B |
负债/权益比CNOBRPAY
| Q1 26 | — | — | ||
| 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× |
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 | — | $23.3M |
| 自由现金流经营现金流 - 资本支出 | — | $23.2M |
| 自由现金流率自由现金流/营收 | — | 29.6% |
| 资本支出强度资本支出/营收 | — | 0.1% |
| 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 | — | $90.7M |
8季度趋势，按日历期对齐
经营现金流CNOBRPAY
| Q1 26 | — | — | ||
| Q4 25 | $106.4M | $23.3M | ||
| Q3 25 | $37.4M | $32.2M | ||
| Q2 25 | $6.5M | $33.1M | ||
| Q1 25 | $14.9M | $2.5M | ||
| Q4 24 | $60.7M | $34.3M | ||
| Q3 24 | $-14.4M | $60.1M | ||
| Q2 24 | $22.3M | $31.0M |
自由现金流CNOBRPAY
| Q1 26 | — | — | ||
| Q4 25 | $101.0M | $23.2M | ||
| Q3 25 | $33.9M | $32.1M | ||
| Q2 25 | $6.4M | $33.0M | ||
| Q1 25 | $14.6M | $2.4M | ||
| Q4 24 | $56.9M | $34.0M | ||
| Q3 24 | $-15.6M | $59.8M | ||
| Q2 24 | $22.2M | $30.5M |
自由现金流率CNOBRPAY
| Q1 26 | — | — | ||
| Q4 25 | 89.7% | 29.6% | ||
| Q3 25 | 27.9% | 41.3% | ||
| Q2 25 | 7.6% | 43.6% | ||
| Q1 25 | 20.8% | 3.0% | ||
| Q4 24 | 83.1% | 43.5% | ||
| Q3 24 | -23.8% | 75.6% | ||
| Q2 24 | 33.7% | 40.7% |
资本支出强度CNOBRPAY
| Q1 26 | — | — | ||
| Q4 25 | 4.8% | 0.1% | ||
| Q3 25 | 2.8% | 0.2% | ||
| Q2 25 | 0.1% | 0.1% | ||
| Q1 25 | 0.4% | 0.2% | ||
| Q4 24 | 5.5% | 0.3% | ||
| Q3 24 | 1.9% | 0.3% | ||
| Q2 24 | 0.2% | 0.6% |
现金转化率CNOBRPAY
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 0.91× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 0.74× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | -0.84× | 18.52× | ||
| Q2 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
CNOB
| Net Interest Income | $108.8M | 94% |
| Noninterest Income | $6.8M | 6% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
