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EQUITY BANCSHARES INC（EQBK）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EQUITY BANCSHARES INC的1.2倍（$78.6M vs $63.5M），EQUITY BANCSHARES INC净利率更高（34.8% vs -178.3%，领先213.1%），EQUITY BANCSHARES INC同比增速更快（28.4% vs 0.4%），EQUITY BANCSHARES INC自由现金流更多（$38.1M vs $23.2M），过去两年EQUITY BANCSHARES INC的营收复合增速更高（6.6% vs -1.3%）
繁荣银行股份有限公司是一家银行控股公司，总部位于德克萨斯州休斯顿，业务覆盖德克萨斯州与俄克拉荷马州中部。截至2019年12月末，公司共运营285家分支网点，其中休斯顿地区（含伍德兰兹）65家，南德克萨斯（含科珀斯克里斯蒂、维多利亚）30家，达拉斯-沃斯堡大都会区75家，布局覆盖德克萨斯州各主要区域。
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。
EQBK vs RPAY — 直观对比
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $63.5M | $78.6M |
| 净利润 | $22.1M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 41.7% | -182.2% |
| 净利率 | 34.8% | -178.3% |
| 营收同比 | 28.4% | 0.4% |
| 净利润同比 | 30.0% | -3304.1% |
| 每股收益（稀释后） | $1.07 | $-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
| Q4 25 | $63.5M | $78.6M | ||
| Q3 25 | $18.0M | $77.7M | ||
| Q2 25 | $58.4M | $75.6M | ||
| Q1 25 | $60.6M | $77.3M | ||
| Q4 24 | $58.3M | $78.3M | ||
| Q3 24 | $55.3M | $79.1M | ||
| Q2 24 | $55.4M | $74.9M | ||
| Q1 24 | $55.9M | $80.7M |
| Q4 25 | $22.1M | $-140.1M | ||
| Q3 25 | $-29.7M | $-6.4M | ||
| Q2 25 | $15.3M | $-102.3M | ||
| Q1 25 | $15.0M | $-7.9M | ||
| Q4 24 | $17.0M | $-4.1M | ||
| Q3 24 | $19.9M | $3.2M | ||
| Q2 24 | $11.7M | $-4.1M | ||
| Q1 24 | $14.1M | $-5.2M |
| 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% |
| Q4 25 | 41.7% | -182.2% | ||
| Q3 25 | -207.2% | -3.9% | ||
| Q2 25 | 31.5% | -138.7% | ||
| Q1 25 | 31.1% | -4.7% | ||
| Q4 24 | 35.0% | -1.5% | ||
| Q3 24 | 43.1% | -0.9% | ||
| Q2 24 | 29.4% | -4.6% | ||
| Q1 24 | 31.8% | -3.1% |
| Q4 25 | 34.8% | -178.3% | ||
| Q3 25 | -164.7% | -8.3% | ||
| Q2 25 | 26.1% | -135.2% | ||
| Q1 25 | 24.8% | -10.3% | ||
| Q4 24 | 29.1% | -5.3% | ||
| Q3 24 | 35.9% | 4.1% | ||
| Q2 24 | 21.1% | -5.4% | ||
| Q1 24 | 25.2% | -6.5% |
| Q4 25 | $1.07 | $-1.68 | ||
| Q3 25 | $-1.55 | $-0.08 | ||
| Q2 25 | $0.86 | $-1.15 | ||
| Q1 25 | $0.85 | $-0.09 | ||
| Q4 24 | $1.06 | $-0.04 | ||
| Q3 24 | $1.28 | $0.03 | ||
| Q2 24 | $0.76 | $-0.04 | ||
| Q1 24 | $0.90 | $-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 | — | $115.7M |
| 总债务越低越好 | $443.2M | $280.1M |
| 股东权益账面价值 | $732.1M | $484.4M |
| 总资产 | $6.4B | $1.2B |
| 负债/权益比越低杠杆越低 | 0.61× | 0.58× |
8季度趋势，按日历期对齐
| Q4 25 | — | $115.7M | ||
| Q3 25 | — | $95.7M | ||
| Q2 25 | — | $162.6M | ||
| Q1 25 | — | $165.5M | ||
| Q4 24 | — | $189.5M | ||
| Q3 24 | — | $168.7M | ||
| Q2 24 | — | $147.1M | ||
| Q1 24 | — | $128.3M |
| Q4 25 | $443.2M | $280.1M | ||
| Q3 25 | $486.9M | $279.5M | ||
| Q2 25 | $448.4M | $279.0M | ||
| Q1 25 | $376.9M | $497.6M | ||
| Q4 24 | $312.8M | $496.8M | ||
| Q3 24 | $437.5M | $496.2M | ||
| Q2 24 | $391.7M | $435.6M | ||
| Q1 24 | $367.1M | $434.9M |
| Q4 25 | $732.1M | $484.4M | ||
| Q3 25 | $711.9M | $616.9M | ||
| Q2 25 | $635.6M | $633.7M | ||
| Q1 25 | $617.3M | $755.7M | ||
| Q4 24 | $592.9M | $761.3M | ||
| Q3 24 | $504.0M | $754.7M | ||
| Q2 24 | $461.4M | $815.4M | ||
| Q1 24 | $456.8M | $813.8M |
| Q4 25 | $6.4B | $1.2B | ||
| Q3 25 | $6.4B | $1.3B | ||
| Q2 25 | $5.4B | $1.4B | ||
| Q1 25 | $5.4B | $1.5B | ||
| Q4 24 | $5.3B | $1.6B | ||
| Q3 24 | $5.4B | $1.6B | ||
| Q2 24 | $5.2B | $1.5B | ||
| Q1 24 | $5.2B | $1.5B |
| Q4 25 | 0.61× | 0.58× | ||
| Q3 25 | 0.68× | 0.45× | ||
| Q2 25 | 0.71× | 0.44× | ||
| Q1 25 | 0.61× | 0.66× | ||
| Q4 24 | 0.53× | 0.65× | ||
| Q3 24 | 0.87× | 0.66× | ||
| Q2 24 | 0.85× | 0.53× | ||
| Q1 24 | 0.80× | 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 | $51.4M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $38.1M | $23.2M |
| 自由现金流率自由现金流/营收 | 60.0% | 29.6% |
| 资本支出强度资本支出/营收 | 20.9% | 0.1% |
| 现金转化率经营现金流/净利润 | 2.33× | — |
| 过去12个月自由现金流最近4个季度 | $88.8M | $90.7M |
8季度趋势，按日历期对齐
| Q4 25 | $51.4M | $23.3M | ||
| Q3 25 | $8.5M | $32.2M | ||
| Q2 25 | $28.3M | $33.1M | ||
| Q1 25 | $21.7M | $2.5M | ||
| Q4 24 | $73.8M | $34.3M | ||
| Q3 24 | $23.5M | $60.1M | ||
| Q2 24 | $16.0M | $31.0M | ||
| Q1 24 | $12.6M | $24.8M |
| Q4 25 | $38.1M | $23.2M | ||
| Q3 25 | $4.5M | $32.1M | ||
| Q2 25 | $26.0M | $33.0M | ||
| Q1 25 | $20.2M | $2.4M | ||
| Q4 24 | $65.4M | $34.0M | ||
| Q3 24 | $19.7M | $59.8M | ||
| Q2 24 | $15.2M | $30.5M | ||
| Q1 24 | $10.6M | $24.7M |
| Q4 25 | 60.0% | 29.6% | ||
| Q3 25 | 24.7% | 41.3% | ||
| Q2 25 | 44.5% | 43.6% | ||
| Q1 25 | 33.3% | 3.0% | ||
| Q4 24 | 112.1% | 43.5% | ||
| Q3 24 | 35.6% | 75.6% | ||
| Q2 24 | 27.4% | 40.7% | ||
| Q1 24 | 19.0% | 30.6% |
| Q4 25 | 20.9% | 0.1% | ||
| Q3 25 | 22.3% | 0.2% | ||
| Q2 25 | 3.9% | 0.1% | ||
| Q1 25 | 2.4% | 0.2% | ||
| Q4 24 | 14.6% | 0.3% | ||
| Q3 24 | 6.8% | 0.3% | ||
| Q2 24 | 1.5% | 0.6% | ||
| Q1 24 | 3.6% | 0.1% |
| Q4 25 | 2.33× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | 1.85× | — | ||
| Q1 25 | 1.44× | — | ||
| Q4 24 | 4.35× | — | ||
| Q3 24 | 1.18× | 18.52× | ||
| Q2 24 | 1.37× | — | ||
| Q1 24 | 0.90× | — |
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
EQBK
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% |
