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美国合众银行（EBMT）与REGENXBIO Inc.（RGNX）财务数据对比。点击上方公司名可切换其他公司
REGENXBIO Inc.的季度营收约是美国合众银行的1.2倍（$30.3M vs $24.3M），美国合众银行净利率更高（19.5% vs -221.3%，领先240.8%），REGENXBIO Inc.同比增速更快（43.0% vs 13.7%），美国合众银行自由现金流更多（$28.3M vs $-52.8M），过去两年REGENXBIO Inc.的营收复合增速更高（39.4% vs 12.6%）
美国合众银行是一家美国跨国银行金融机构，总部位于明尼苏达州明尼阿波利斯，在特拉华州注册成立。截至2025年，它是美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的金融机构，主营银行、投资、抵押贷款等金融业务。
REGENXBIO Inc.是一家临床阶段生物技术企业，专注于开发针对罕见及严重遗传疾病的突破性基因疗法。公司拥有专有的腺相关病毒载体技术，既向全球生物制药合作伙伴提供技术授权，也自主推进多疾病领域的基因疗法管线研发。
EBMT vs RGNX — 直观对比
营收规模更大
RGNX
是对方的1.2倍
$24.3M
营收增速更快
RGNX
高出29.3%
13.7%
净利率更高
EBMT
高出240.8%
-221.3%
自由现金流更多
EBMT
多$81.1M
$-52.8M
两年增速更快
RGNX
近两年复合增速
12.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $24.3M | $30.3M |
| 净利润 | $4.7M | $-67.1M |
| 毛利率 | — | — |
| 营业利润率 | 25.0% | -190.0% |
| 净利率 | 19.5% | -221.3% |
| 营收同比 | 13.7% | 43.0% |
| 净利润同比 | 37.8% | -31.2% |
| 每股收益（稀释后） | $0.62 | $-1.30 |
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EBMTRGNX
| Q4 25 | $24.3M | $30.3M | ||
| Q3 25 | $23.4M | $29.7M | ||
| Q2 25 | $23.0M | $21.4M | ||
| Q1 25 | $20.9M | $89.0M | ||
| Q4 24 | $21.4M | $21.2M | ||
| Q3 24 | $20.8M | $24.2M | ||
| Q2 24 | $19.9M | $22.3M | ||
| Q1 24 | $19.2M | $15.6M |
净利润EBMTRGNX
| Q4 25 | $4.7M | $-67.1M | ||
| Q3 25 | $3.6M | $-61.9M | ||
| Q2 25 | $3.2M | $-70.9M | ||
| Q1 25 | $3.2M | $6.1M | ||
| Q4 24 | $3.4M | $-51.2M | ||
| Q3 24 | $2.7M | $-59.6M | ||
| Q2 24 | $1.7M | $-53.0M | ||
| Q1 24 | $1.9M | $-63.3M |
毛利率EBMTRGNX
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 70.2% | ||
| Q3 24 | — | 48.8% | ||
| Q2 24 | — | 52.5% | ||
| Q1 24 | — | 72.6% |
营业利润率EBMTRGNX
| Q4 25 | 25.0% | -190.0% | ||
| Q3 25 | 21.2% | -176.3% | ||
| Q2 25 | 17.4% | -296.3% | ||
| Q1 25 | 18.5% | 13.6% | ||
| Q4 24 | 17.3% | -242.1% | ||
| Q3 24 | 15.6% | -256.6% | ||
| Q2 24 | 11.0% | -251.3% | ||
| Q1 24 | 11.8% | -408.8% |
净利率EBMTRGNX
| Q4 25 | 19.5% | -221.3% | ||
| Q3 25 | 15.5% | -208.3% | ||
| Q2 25 | 14.1% | -331.8% | ||
| Q1 25 | 15.5% | 6.8% | ||
| Q4 24 | 16.1% | -241.3% | ||
| Q3 24 | 13.0% | -246.3% | ||
| Q2 24 | 8.7% | -237.7% | ||
| Q1 24 | 9.9% | -405.4% |
每股收益（稀释后）EBMTRGNX
| Q4 25 | $0.62 | $-1.30 | ||
| Q3 25 | $0.46 | $-1.20 | ||
| Q2 25 | $0.41 | $-1.38 | ||
| Q1 25 | $0.41 | $0.12 | ||
| Q4 24 | $0.44 | $-0.99 | ||
| Q3 24 | $0.34 | $-1.17 | ||
| Q2 24 | $0.22 | $-1.05 | ||
| Q1 24 | $0.24 | $-1.38 |
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 | $63.0M | $230.1M |
| 总债务越低越好 | $44.5M | — |
| 股东权益账面价值 | $191.8M | $102.7M |
| 总资产 | $2.1B | $453.0M |
| 负债/权益比越低杠杆越低 | 0.23× | — |
8季度趋势，按日历期对齐
现金及短期投资EBMTRGNX
| Q4 25 | $63.0M | $230.1M | ||
| Q3 25 | $29.5M | $274.2M | ||
| Q2 25 | $26.9M | $323.3M | ||
| Q1 25 | $22.8M | $267.9M | ||
| Q4 24 | $31.6M | $234.7M | ||
| Q3 24 | $42.2M | $255.5M | ||
| Q2 24 | $23.8M | $290.4M | ||
| Q1 24 | $20.9M | $338.7M |
总债务EBMTRGNX
| Q4 25 | $44.5M | — | ||
| Q3 25 | $59.3M | — | ||
| Q2 25 | $59.2M | — | ||
| Q1 25 | $59.2M | — | ||
| Q4 24 | $59.1M | — | ||
| Q3 24 | $59.1M | — | ||
| Q2 24 | $59.1M | — | ||
| Q1 24 | $59.0M | — |
股东权益EBMTRGNX
| Q4 25 | $191.8M | $102.7M | ||
| Q3 25 | $186.5M | $161.5M | ||
| Q2 25 | $180.6M | $213.7M | ||
| Q1 25 | $177.6M | $274.2M | ||
| Q4 24 | $174.8M | $259.7M | ||
| Q3 24 | $177.7M | $301.4M | ||
| Q2 24 | $170.2M | $348.3M | ||
| Q1 24 | $168.9M | $390.7M |
总资产EBMTRGNX
| Q4 25 | $2.1B | $453.0M | ||
| Q3 25 | $2.1B | $525.2M | ||
| Q2 25 | $2.1B | $581.0M | ||
| Q1 25 | $2.1B | $490.9M | ||
| Q4 24 | $2.1B | $466.0M | ||
| Q3 24 | $2.1B | $519.1M | ||
| Q2 24 | $2.1B | $569.4M | ||
| Q1 24 | $2.1B | $629.2M |
负债/权益比EBMTRGNX
| Q4 25 | 0.23× | — | ||
| Q3 25 | 0.32× | — | ||
| Q2 25 | 0.33× | — | ||
| Q1 25 | 0.33× | — | ||
| Q4 24 | 0.34× | — | ||
| Q3 24 | 0.33× | — | ||
| Q2 24 | 0.35× | — | ||
| Q1 24 | 0.35× | — |
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 | $33.1M | $-52.3M |
| 自由现金流经营现金流 - 资本支出 | $28.3M | $-52.8M |
| 自由现金流率自由现金流/营收 | 116.7% | -174.0% |
| 资本支出强度资本支出/营收 | 19.7% | 1.7% |
| 现金转化率经营现金流/净利润 | 7.01× | — |
| 过去12个月自由现金流最近4个季度 | $37.1M | $-126.4M |
8季度趋势，按日历期对齐
经营现金流EBMTRGNX
| Q4 25 | $33.1M | $-52.3M | ||
| Q3 25 | $9.0M | $-56.0M | ||
| Q2 25 | $1.7M | $-49.3M | ||
| Q1 25 | $1.9M | $33.6M | ||
| Q4 24 | $28.5M | $-31.6M | ||
| Q3 24 | $2.6M | $-40.5M | ||
| Q2 24 | $3.3M | $-45.5M | ||
| Q1 24 | $7.1M | $-55.5M |
自由现金流EBMTRGNX
| Q4 25 | $28.3M | $-52.8M | ||
| Q3 25 | $7.1M | $-56.5M | ||
| Q2 25 | $1.4M | $-49.7M | ||
| Q1 25 | $262.0K | $32.6M | ||
| Q4 24 | $14.5M | $-32.7M | ||
| Q3 24 | $-749.0K | $-40.9M | ||
| Q2 24 | $627.0K | $-46.0M | ||
| Q1 24 | $2.3M | $-56.0M |
自由现金流率EBMTRGNX
| Q4 25 | 116.7% | -174.0% | ||
| Q3 25 | 30.3% | -189.9% | ||
| Q2 25 | 6.0% | -232.8% | ||
| Q1 25 | 1.3% | 36.6% | ||
| Q4 24 | 67.7% | -154.2% | ||
| Q3 24 | -3.6% | -168.9% | ||
| Q2 24 | 3.2% | -206.2% | ||
| Q1 24 | 12.2% | -358.5% |
资本支出强度EBMTRGNX
| Q4 25 | 19.7% | 1.7% | ||
| Q3 25 | 8.0% | 1.7% | ||
| Q2 25 | 1.6% | 1.8% | ||
| Q1 25 | 7.8% | 1.2% | ||
| Q4 24 | 65.9% | 5.1% | ||
| Q3 24 | 16.1% | 1.3% | ||
| Q2 24 | 13.3% | 2.1% | ||
| Q1 24 | 24.9% | 3.6% |
现金转化率EBMTRGNX
| Q4 25 | 7.01× | — | ||
| Q3 25 | 2.47× | — | ||
| Q2 25 | 0.54× | — | ||
| Q1 25 | 0.58× | 5.53× | ||
| Q4 24 | 8.31× | — | ||
| Q3 24 | 0.96× | — | ||
| Q2 24 | 1.88× | — | ||
| Q1 24 | 3.75× | — |
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
EBMT
| Other | $13.2M | 54% |
| Commodity Sales | $8.6M | 35% |
| Bank Servicing | $2.6M | 11% |
RGNX
| Novartis Gene Therapies | $24.2M | 80% |
| Nippon Shinyaku Collaboration And License Agreement | $4.3M | 14% |
| Nippon Shinyaku Services | $1.4M | 5% |
