vs
FIRST BANCORP（FBNC）与REPUBLIC BANCORP INC（RBCAA）财务数据对比。点击上方公司名可切换其他公司
REPUBLIC BANCORP INC的季度营收约是FIRST BANCORP的1.1倍（$94.3M vs $89.6M），REPUBLIC BANCORP INC净利率更高（24.2% vs 22.7%，领先1.5%），REPUBLIC BANCORP INC同比增速更快（5.3% vs -7.3%），REPUBLIC BANCORP INC自由现金流更多（$161.1M vs $48.2M）
第一银行控股（First Bancorp）是总部位于美国北卡罗来纳州南派恩斯的银行控股集团，旗下第一银行业务覆盖北卡罗来纳州与南卡罗来纳州两大区域，为当地客户提供各类银行金融服务。
肯塔基州共和银行是美国的一家区域性银行控股企业，提供零售及商业银行全品类服务，涵盖个人存贷款、企业融资、按揭产品及财富管理解决方案，主要服务肯塔基州及周边州的个人消费者和中小企业客户。
FBNC vs RBCAA — 直观对比
营收规模更大
RBCAA
是对方的1.1倍
$89.6M
营收增速更快
RBCAA
高出12.6%
-7.3%
净利率更高
RBCAA
高出1.5%
22.7%
自由现金流更多
RBCAA
多$112.9M
$48.2M
损益表 — Q3 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $89.6M | $94.3M |
| 净利润 | $20.4M | $22.8M |
| 毛利率 | — | — |
| 营业利润率 | 29.0% | 29.3% |
| 净利率 | 22.7% | 24.2% |
| 营收同比 | -7.3% | 5.3% |
| 净利润同比 | 9.0% | 20.0% |
| 每股收益（稀释后） | $0.49 | — |
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FBNCRBCAA
| Q4 25 | — | $94.3M | ||
| Q3 25 | $89.6M | $93.5M | ||
| Q2 25 | $111.0M | $93.8M | ||
| Q1 25 | $105.8M | $135.8M | ||
| Q4 24 | — | $89.5M | ||
| Q3 24 | $96.6M | $88.1M | ||
| Q2 24 | $95.7M | $86.9M | ||
| Q1 24 | $92.2M | $120.3M |
净利润FBNCRBCAA
| Q4 25 | — | $22.8M | ||
| Q3 25 | $20.4M | $29.7M | ||
| Q2 25 | $38.6M | $31.5M | ||
| Q1 25 | $36.4M | $47.3M | ||
| Q4 24 | — | $19.0M | ||
| Q3 24 | $18.7M | $26.5M | ||
| Q2 24 | $28.7M | $25.2M | ||
| Q1 24 | $25.3M | $30.6M |
营业利润率FBNCRBCAA
| Q4 25 | — | 29.3% | ||
| Q3 25 | 29.0% | 40.4% | ||
| Q2 25 | 44.9% | 43.0% | ||
| Q1 25 | 44.2% | 44.1% | ||
| Q4 24 | — | 25.8% | ||
| Q3 24 | 23.4% | 38.4% | ||
| Q2 24 | 38.5% | 37.0% | ||
| Q1 24 | 34.5% | 32.2% |
净利率FBNCRBCAA
| Q4 25 | — | 24.2% | ||
| Q3 25 | 22.7% | 31.8% | ||
| Q2 25 | 34.7% | 33.5% | ||
| Q1 25 | 34.4% | 34.8% | ||
| Q4 24 | — | 21.2% | ||
| Q3 24 | 19.3% | 30.1% | ||
| Q2 24 | 30.0% | 29.0% | ||
| Q1 24 | 27.4% | 25.4% |
每股收益（稀释后）FBNCRBCAA
| Q4 25 | — | — | ||
| Q3 25 | $0.49 | — | ||
| Q2 25 | $0.93 | — | ||
| Q1 25 | $0.88 | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $0.45 | — | ||
| Q2 24 | $0.70 | — | ||
| Q1 24 | $0.61 | — |
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 | — | $220.0M |
| 总债务越低越好 | $92.4M | — |
| 股东权益账面价值 | $1.6B | $1.1B |
| 总资产 | $12.8B | $7.0B |
| 负债/权益比越低杠杆越低 | 0.06× | — |
8季度趋势，按日历期对齐
现金及短期投资FBNCRBCAA
| Q4 25 | — | $220.0M | ||
| Q3 25 | — | $484.2M | ||
| Q2 25 | — | $484.8M | ||
| Q1 25 | — | $793.0M | ||
| Q4 24 | — | $432.2M | ||
| Q3 24 | — | $530.9M | ||
| Q2 24 | — | $400.1M | ||
| Q1 24 | — | $546.4M |
总债务FBNCRBCAA
| Q4 25 | — | — | ||
| Q3 25 | $92.4M | — | ||
| Q2 25 | $92.2M | — | ||
| Q1 25 | $92.1M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $91.7M | — | ||
| Q2 24 | $91.5M | — | ||
| Q1 24 | $332.3M | — |
股东权益FBNCRBCAA
| Q4 25 | — | $1.1B | ||
| Q3 25 | $1.6B | $1.1B | ||
| Q2 25 | $1.6B | $1.1B | ||
| Q1 25 | $1.5B | $1.0B | ||
| Q4 24 | — | $992.0M | ||
| Q3 24 | $1.5B | $979.7M | ||
| Q2 24 | $1.4B | $955.4M | ||
| Q1 24 | $1.4B | $935.6M |
总资产FBNCRBCAA
| Q4 25 | — | $7.0B | ||
| Q3 25 | $12.8B | $7.0B | ||
| Q2 25 | $12.6B | $7.0B | ||
| Q1 25 | $12.4B | $7.1B | ||
| Q4 24 | — | $6.8B | ||
| Q3 24 | $12.2B | $6.7B | ||
| Q2 24 | $12.1B | $6.6B | ||
| Q1 24 | $12.1B | $6.9B |
负债/权益比FBNCRBCAA
| Q4 25 | — | — | ||
| Q3 25 | 0.06× | — | ||
| Q2 25 | 0.06× | — | ||
| Q1 25 | 0.06× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.06× | — | ||
| Q2 24 | 0.07× | — | ||
| Q1 24 | 0.24× | — |
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 | $49.7M | $168.2M |
| 自由现金流经营现金流 - 资本支出 | $48.2M | $161.1M |
| 自由现金流率自由现金流/营收 | 53.8% | 170.9% |
| 资本支出强度资本支出/营收 | 1.6% | 7.5% |
| 现金转化率经营现金流/净利润 | 2.44× | 7.37× |
| 过去12个月自由现金流最近4个季度 | $182.9M | $288.6M |
8季度趋势，按日历期对齐
经营现金流FBNCRBCAA
| Q4 25 | — | $168.2M | ||
| Q3 25 | $49.7M | $33.3M | ||
| Q2 25 | $45.7M | $8.4M | ||
| Q1 25 | $52.6M | $93.2M | ||
| Q4 24 | — | $149.0M | ||
| Q3 24 | $38.4M | $51.3M | ||
| Q2 24 | $87.7M | $4.0M | ||
| Q1 24 | $-20.1M | $71.2M |
自由现金流FBNCRBCAA
| Q4 25 | — | $161.1M | ||
| Q3 25 | $48.2M | $30.8M | ||
| Q2 25 | $44.3M | $5.2M | ||
| Q1 25 | $52.4M | $91.6M | ||
| Q4 24 | — | $143.2M | ||
| Q3 24 | $38.0M | $49.8M | ||
| Q2 24 | $87.6M | $2.7M | ||
| Q1 24 | $-21.7M | $69.1M |
自由现金流率FBNCRBCAA
| Q4 25 | — | 170.9% | ||
| Q3 25 | 53.8% | 32.9% | ||
| Q2 25 | 39.9% | 5.5% | ||
| Q1 25 | 49.5% | 67.4% | ||
| Q4 24 | — | 160.0% | ||
| Q3 24 | 39.3% | 56.5% | ||
| Q2 24 | 91.6% | 3.1% | ||
| Q1 24 | -23.6% | 57.5% |
资本支出强度FBNCRBCAA
| Q4 25 | — | 7.5% | ||
| Q3 25 | 1.6% | 2.6% | ||
| Q2 25 | 1.2% | 3.5% | ||
| Q1 25 | 0.2% | 1.2% | ||
| Q4 24 | — | 6.5% | ||
| Q3 24 | 0.5% | 1.7% | ||
| Q2 24 | 0.1% | 1.5% | ||
| Q1 24 | 1.8% | 1.7% |
现金转化率FBNCRBCAA
| Q4 25 | — | 7.37× | ||
| Q3 25 | 2.44× | 1.12× | ||
| Q2 25 | 1.19× | 0.27× | ||
| Q1 25 | 1.44× | 1.97× | ||
| Q4 24 | — | 7.84× | ||
| Q3 24 | 2.06× | 1.93× | ||
| Q2 24 | 3.06× | 0.16× | ||
| Q1 24 | -0.80× | 2.33× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
