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合众银行（EGBN）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
合众银行的季度营收约是RE/MAX Holdings, Inc.的1.1倍（$80.5M vs $71.1M），RE/MAX Holdings, Inc.净利率更高（2.0% vs -3.6%，领先5.6%），合众银行同比增速更快（7.5% vs -1.8%），RE/MAX Holdings, Inc.自由现金流更多（$33.5M vs $20.8M），过去两年合众银行的营收复合增速更高（1.4% vs -4.7%）
合众银行是一家总部位于明尼阿波利斯、注册于特拉华州的美国跨国银行机构，截至2025年是美国第五大银行，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银行，旗下核心运营主体为美国银行全国协会，以合众银行品牌开展业务，提供银行、投资、抵押贷款等多元金融服务。
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。
EGBN vs RMAX — 直观对比
营收规模更大
EGBN
是对方的1.1倍
$71.1M
营收增速更快
EGBN
高出9.4%
-1.8%
净利率更高
RMAX
高出5.6%
-3.6%
自由现金流更多
RMAX
多$12.7M
$20.8M
两年增速更快
EGBN
近两年复合增速
-4.7%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $80.5M | $71.1M |
| 净利润 | $-2.4M | $1.4M |
| 毛利率 | — | — |
| 营业利润率 | -7.3% | 13.1% |
| 净利率 | -3.6% | 2.0% |
| 营收同比 | 7.5% | -1.8% |
| 净利润同比 | -116.0% | -75.2% |
| 每股收益（稀释后） | $-0.09 | — |
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EGBNRMAX
| Q4 25 | $80.5M | $71.1M | ||
| Q3 25 | $70.7M | $73.2M | ||
| Q2 25 | $74.2M | $72.8M | ||
| Q1 25 | $73.9M | $74.5M | ||
| Q4 24 | $74.9M | $72.5M | ||
| Q3 24 | $78.8M | $78.5M | ||
| Q2 24 | $76.7M | $78.5M | ||
| Q1 24 | $78.3M | $78.3M |
净利润EGBNRMAX
| Q4 25 | $-2.4M | $1.4M | ||
| Q3 25 | $-67.5M | $4.0M | ||
| Q2 25 | $-69.8M | $4.7M | ||
| Q1 25 | $1.7M | $-2.0M | ||
| Q4 24 | $15.3M | $5.8M | ||
| Q3 24 | $21.8M | $966.0K | ||
| Q2 24 | $-83.8M | $3.7M | ||
| Q1 24 | $-338.0K | $-3.4M |
营业利润率EGBNRMAX
| Q4 25 | -7.3% | 13.1% | ||
| Q3 25 | -119.5% | 25.0% | ||
| Q2 25 | -147.2% | 19.3% | ||
| Q1 25 | 3.3% | 7.2% | ||
| Q4 24 | 28.0% | 5.9% | ||
| Q3 24 | 33.9% | 19.4% | ||
| Q2 24 | -103.5% | 20.6% | ||
| Q1 24 | 3.4% | 5.8% |
净利率EGBNRMAX
| Q4 25 | -3.6% | 2.0% | ||
| Q3 25 | -95.6% | 5.4% | ||
| Q2 25 | -94.0% | 6.4% | ||
| Q1 25 | 2.3% | -2.6% | ||
| Q4 24 | 21.6% | 8.0% | ||
| Q3 24 | 27.7% | 1.2% | ||
| Q2 24 | -109.3% | 4.7% | ||
| Q1 24 | -0.4% | -4.3% |
每股收益（稀释后）EGBNRMAX
| Q4 25 | $-0.09 | — | ||
| Q3 25 | $-2.22 | — | ||
| Q2 25 | $-2.30 | — | ||
| Q1 25 | $0.06 | — | ||
| Q4 24 | $0.51 | — | ||
| Q3 24 | $0.72 | — | ||
| Q2 24 | $-2.78 | — | ||
| Q1 24 | $-0.01 | — |
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 | — | $118.7M |
| 总债务越低越好 | $76.4M | $432.2M |
| 股东权益账面价值 | $1.1B | $452.4M |
| 总资产 | $10.5B | $582.5M |
| 负债/权益比越低杠杆越低 | 0.07× | 0.96× |
8季度趋势，按日历期对齐
现金及短期投资EGBNRMAX
| Q4 25 | — | $118.7M | ||
| Q3 25 | — | $107.5M | ||
| Q2 25 | — | $94.3M | ||
| Q1 25 | — | $89.1M | ||
| Q4 24 | — | $96.6M | ||
| Q3 24 | — | $83.8M | ||
| Q2 24 | — | $66.1M | ||
| Q1 24 | — | $82.1M |
总债务EGBNRMAX
| Q4 25 | $76.4M | $432.2M | ||
| Q3 25 | $76.3M | $433.3M | ||
| Q2 25 | $76.3M | $434.4M | ||
| Q1 25 | $76.2M | $435.3M | ||
| Q4 24 | $76.1M | $436.2M | ||
| Q3 24 | $75.8M | $437.2M | ||
| Q2 24 | — | $438.1M | ||
| Q1 24 | — | $439.0M |
股东权益EGBNRMAX
| Q4 25 | $1.1B | $452.4M | ||
| Q3 25 | $1.1B | $448.1M | ||
| Q2 25 | $1.2B | $442.4M | ||
| Q1 25 | $1.2B | $433.5M | ||
| Q4 24 | $1.2B | $429.5M | ||
| Q3 24 | $1.2B | $423.1M | ||
| Q2 24 | $1.2B | $418.4M | ||
| Q1 24 | $1.3B | $412.0M |
总资产EGBNRMAX
| Q4 25 | $10.5B | $582.5M | ||
| Q3 25 | $10.8B | $582.2M | ||
| Q2 25 | $10.6B | $574.8M | ||
| Q1 25 | $11.3B | $571.4M | ||
| Q4 24 | $11.1B | $581.6M | ||
| Q3 24 | $11.3B | $578.6M | ||
| Q2 24 | $11.3B | $571.4M | ||
| Q1 24 | $11.6B | $566.7M |
负债/权益比EGBNRMAX
| Q4 25 | 0.07× | 0.96× | ||
| Q3 25 | 0.07× | 0.97× | ||
| Q2 25 | 0.06× | 0.98× | ||
| Q1 25 | 0.06× | 1.00× | ||
| Q4 24 | 0.06× | 1.02× | ||
| Q3 24 | 0.06× | 1.03× | ||
| Q2 24 | — | 1.05× | ||
| Q1 24 | — | 1.07× |
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 | $28.5M | $40.9M |
| 自由现金流经营现金流 - 资本支出 | $20.8M | $33.5M |
| 自由现金流率自由现金流/营收 | 25.8% | 47.1% |
| 资本支出强度资本支出/营收 | 9.6% | 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 | $50.3M | $56.8M |
8季度趋势，按日历期对齐
经营现金流EGBNRMAX
| Q4 25 | $28.5M | $40.9M | ||
| Q3 25 | $19.8M | $17.7M | ||
| Q2 25 | $-28.6M | $4.6M | ||
| Q1 25 | $43.2M | $5.7M | ||
| Q4 24 | $123.8M | $59.7M | ||
| Q3 24 | $55.6M | $17.6M | ||
| Q2 24 | $55.2M | $15.9M | ||
| Q1 24 | $2.8M | $9.4M |
自由现金流EGBNRMAX
| Q4 25 | $20.8M | $33.5M | ||
| Q3 25 | $15.8M | $16.4M | ||
| Q2 25 | $-29.3M | $2.9M | ||
| Q1 25 | $43.0M | $4.0M | ||
| Q4 24 | $123.4M | $53.0M | ||
| Q3 24 | $55.4M | $16.3M | ||
| Q2 24 | $55.2M | $14.0M | ||
| Q1 24 | $2.8M | $6.8M |
自由现金流率EGBNRMAX
| Q4 25 | 25.8% | 47.1% | ||
| Q3 25 | 22.4% | 22.4% | ||
| Q2 25 | -39.6% | 4.0% | ||
| Q1 25 | 58.3% | 5.3% | ||
| Q4 24 | 164.9% | 73.2% | ||
| Q3 24 | 70.4% | 20.8% | ||
| Q2 24 | 72.0% | 17.8% | ||
| Q1 24 | 3.5% | 8.6% |
资本支出强度EGBNRMAX
| Q4 25 | 9.6% | 10.4% | ||
| Q3 25 | 5.7% | 1.8% | ||
| Q2 25 | 1.0% | 2.2% | ||
| Q1 25 | 0.2% | 2.3% | ||
| Q4 24 | 0.4% | 9.1% | ||
| Q3 24 | 0.2% | 1.7% | ||
| Q2 24 | 0.1% | 2.4% | ||
| Q1 24 | 0.1% | 3.3% |
现金转化率EGBNRMAX
| Q4 25 | — | 28.39× | ||
| Q3 25 | — | 4.45× | ||
| Q2 25 | — | 0.97× | ||
| Q1 25 | 25.78× | — | ||
| Q4 24 | 8.09× | 10.28× | ||
| Q3 24 | 2.55× | 18.22× | ||
| Q2 24 | — | 4.29× | ||
| Q1 24 | — | — |
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
EGBN
暂无分部数据
RMAX
| Franchising Segment | $50.1M | 70% |
| Broker Fees | $13.9M | 20% |
| Annual Dues | $7.4M | 10% |
