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COMMUNITY TRUST BANCORP INC（CTBI）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COMMUNITY TRUST BANCORP INC的1.1倍（$78.6M vs $74.7M），COMMUNITY TRUST BANCORP INC净利率更高（36.5% vs -178.3%，领先214.8%），COMMUNITY TRUST BANCORP INC同比增速更快（13.8% vs 0.4%），COMMUNITY TRUST BANCORP INC自由现金流更多（$97.4M vs $23.2M），过去两年COMMUNITY TRUST BANCORP INC的营收复合增速更高（12.8% vs -1.3%）
社区信托银行集团是一家美国区域性银行控股公司，其前身是1903年成立的派克维尔国家银行，总部位于阿巴拉契亚地区核心的肯塔基州派克维尔。集团目前旗下经营商业银行社区信托银行，以及位于列克星敦的社区信托投资信托公司。
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。
CTBI vs RPAY — 直观对比
营收规模更大
RPAY
是对方的1.1倍
$74.7M
营收增速更快
CTBI
高出13.4%
0.4%
净利率更高
CTBI
高出214.8%
-178.3%
自由现金流更多
CTBI
多$74.2M
$23.2M
两年增速更快
CTBI
近两年复合增速
-1.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $74.7M | $78.6M |
| 净利润 | $27.3M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 47.3% | -182.2% |
| 净利率 | 36.5% | -178.3% |
| 营收同比 | 13.8% | 0.4% |
| 净利润同比 | 21.3% | -3304.1% |
| 每股收益（稀释后） | $1.51 | $-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CTBIRPAY
| Q4 25 | $74.7M | $78.6M | ||
| Q3 25 | $71.5M | $77.7M | ||
| Q2 25 | $70.2M | $75.6M | ||
| Q1 25 | $66.2M | $77.3M | ||
| Q4 24 | $65.7M | $78.3M | ||
| Q3 24 | $62.8M | $79.1M | ||
| Q2 24 | $61.4M | $74.9M | ||
| Q1 24 | $58.7M | $80.7M |
净利润CTBIRPAY
| Q4 25 | $27.3M | $-140.1M | ||
| Q3 25 | $23.9M | $-6.4M | ||
| Q2 25 | $24.9M | $-102.3M | ||
| Q1 25 | $22.0M | $-7.9M | ||
| Q4 24 | $22.5M | $-4.1M | ||
| Q3 24 | $22.1M | $3.2M | ||
| Q2 24 | $19.5M | $-4.1M | ||
| Q1 24 | $18.7M | $-5.2M |
毛利率CTBIRPAY
| 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CTBIRPAY
| Q4 25 | 47.3% | -182.2% | ||
| Q3 25 | 43.2% | -3.9% | ||
| Q2 25 | 46.2% | -138.7% | ||
| Q1 25 | 42.9% | -4.7% | ||
| Q4 24 | 44.7% | -1.5% | ||
| Q3 24 | 43.8% | -0.9% | ||
| Q2 24 | 42.3% | -4.6% | ||
| Q1 24 | 40.6% | -3.1% |
净利率CTBIRPAY
| Q4 25 | 36.5% | -178.3% | ||
| Q3 25 | 33.4% | -8.3% | ||
| Q2 25 | 35.5% | -135.2% | ||
| Q1 25 | 33.2% | -10.3% | ||
| Q4 24 | 34.2% | -5.3% | ||
| Q3 24 | 35.3% | 4.1% | ||
| Q2 24 | 31.8% | -5.4% | ||
| Q1 24 | 31.8% | -6.5% |
每股收益（稀释后）CTBIRPAY
| Q4 25 | $1.51 | $-1.68 | ||
| Q3 25 | $1.32 | $-0.08 | ||
| Q2 25 | $1.38 | $-1.15 | ||
| Q1 25 | $1.22 | $-0.09 | ||
| Q4 24 | $1.25 | $-0.04 | ||
| Q3 24 | $1.23 | $0.03 | ||
| Q2 24 | $1.09 | $-0.04 | ||
| Q1 24 | $1.04 | $-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 | $363.7M | $115.7M |
| 总债务越低越好 | $63.8M | $280.1M |
| 股东权益账面价值 | $856.1M | $484.4M |
| 总资产 | $6.7B | $1.2B |
| 负债/权益比越低杠杆越低 | 0.07× | 0.58× |
8季度趋势，按日历期对齐
现金及短期投资CTBIRPAY
| Q4 25 | $363.7M | $115.7M | ||
| Q3 25 | $507.6M | $95.7M | ||
| Q2 25 | $395.3M | $162.6M | ||
| Q1 25 | $340.7M | $165.5M | ||
| Q4 24 | $369.5M | $189.5M | ||
| Q3 24 | $240.9M | $168.7M | ||
| Q2 24 | $161.7M | $147.1M | ||
| Q1 24 | $293.3M | $128.3M |
总债务CTBIRPAY
| Q4 25 | $63.8M | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | $64.0M | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M | ||
| Q1 24 | — | $434.9M |
股东权益CTBIRPAY
| Q4 25 | $856.1M | $484.4M | ||
| Q3 25 | $831.4M | $616.9M | ||
| Q2 25 | $806.9M | $633.7M | ||
| Q1 25 | $784.2M | $755.7M | ||
| Q4 24 | $757.6M | $761.3M | ||
| Q3 24 | $760.8M | $754.7M | ||
| Q2 24 | $719.3M | $815.4M | ||
| Q1 24 | $707.7M | $813.8M |
总资产CTBIRPAY
| Q4 25 | $6.7B | $1.2B | ||
| Q3 25 | $6.6B | $1.3B | ||
| Q2 25 | $6.4B | $1.4B | ||
| Q1 25 | $6.3B | $1.5B | ||
| Q4 24 | $6.2B | $1.6B | ||
| Q3 24 | $6.0B | $1.6B | ||
| Q2 24 | $5.8B | $1.5B | ||
| Q1 24 | $5.9B | $1.5B |
负债/权益比CTBIRPAY
| Q4 25 | 0.07× | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | 0.08× | 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 | $105.0M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $97.4M | $23.2M |
| 自由现金流率自由现金流/营收 | 130.3% | 29.6% |
| 资本支出强度资本支出/营收 | 10.2% | 0.1% |
| 现金转化率经营现金流/净利润 | 3.85× | — |
| 过去12个月自由现金流最近4个季度 | $181.8M | $90.7M |
8季度趋势，按日历期对齐
经营现金流CTBIRPAY
| Q4 25 | $105.0M | $23.3M | ||
| Q3 25 | $37.5M | $32.2M | ||
| Q2 25 | $15.9M | $33.1M | ||
| Q1 25 | $36.6M | $2.5M | ||
| Q4 24 | $105.3M | $34.3M | ||
| Q3 24 | $36.7M | $60.1M | ||
| Q2 24 | $20.0M | $31.0M | ||
| Q1 24 | $26.2M | $24.8M |
自由现金流CTBIRPAY
| Q4 25 | $97.4M | $23.2M | ||
| Q3 25 | $36.4M | $32.1M | ||
| Q2 25 | $13.6M | $33.0M | ||
| Q1 25 | $34.5M | $2.4M | ||
| Q4 24 | $97.2M | $34.0M | ||
| Q3 24 | $35.4M | $59.8M | ||
| Q2 24 | $18.4M | $30.5M | ||
| Q1 24 | $24.0M | $24.7M |
自由现金流率CTBIRPAY
| Q4 25 | 130.3% | 29.6% | ||
| Q3 25 | 50.8% | 41.3% | ||
| Q2 25 | 19.3% | 43.6% | ||
| Q1 25 | 52.2% | 3.0% | ||
| Q4 24 | 148.0% | 43.5% | ||
| Q3 24 | 56.4% | 75.6% | ||
| Q2 24 | 30.1% | 40.7% | ||
| Q1 24 | 40.9% | 30.6% |
资本支出强度CTBIRPAY
| Q4 25 | 10.2% | 0.1% | ||
| Q3 25 | 1.7% | 0.2% | ||
| Q2 25 | 3.4% | 0.1% | ||
| Q1 25 | 3.1% | 0.2% | ||
| Q4 24 | 12.3% | 0.3% | ||
| Q3 24 | 2.1% | 0.3% | ||
| Q2 24 | 2.5% | 0.6% | ||
| Q1 24 | 3.7% | 0.1% |
现金转化率CTBIRPAY
| Q4 25 | 3.85× | — | ||
| Q3 25 | 1.57× | — | ||
| Q2 25 | 0.64× | — | ||
| Q1 25 | 1.66× | — | ||
| Q4 24 | 4.68× | — | ||
| Q3 24 | 1.66× | 18.52× | ||
| Q2 24 | 1.02× | — | ||
| Q1 24 | 1.40× | — |
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
CTBI
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% |
