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FIRST BANCORP（FBNC）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
FIRST BANCORP的季度营收约是Repay Holdings Corp的1.1倍（$89.6M vs $78.6M），FIRST BANCORP净利率更高（22.7% vs -178.3%，领先201.0%），Repay Holdings Corp同比增速更快（0.4% vs -7.3%），FIRST BANCORP自由现金流更多（$48.2M vs $23.2M）
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。
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。
FBNC vs RPAY — 直观对比
营收规模更大
FBNC
是对方的1.1倍
$78.6M
营收增速更快
RPAY
高出7.7%
-7.3%
净利率更高
FBNC
高出201.0%
-178.3%
自由现金流更多
FBNC
多$25.0M
$23.2M
损益表 — Q3 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $89.6M | $78.6M |
| 净利润 | $20.4M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 29.0% | -182.2% |
| 净利率 | 22.7% | -178.3% |
| 营收同比 | -7.3% | 0.4% |
| 净利润同比 | 9.0% | -3304.1% |
| 每股收益（稀释后） | $0.49 | $-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FBNCRPAY
| Q4 25 | — | $78.6M | ||
| Q3 25 | $89.6M | $77.7M | ||
| Q2 25 | $111.0M | $75.6M | ||
| Q1 25 | $105.8M | $77.3M | ||
| Q4 24 | — | $78.3M | ||
| Q3 24 | $96.6M | $79.1M | ||
| Q2 24 | $95.7M | $74.9M | ||
| Q1 24 | $92.2M | $80.7M |
净利润FBNCRPAY
| Q4 25 | — | $-140.1M | ||
| Q3 25 | $20.4M | $-6.4M | ||
| Q2 25 | $38.6M | $-102.3M | ||
| Q1 25 | $36.4M | $-7.9M | ||
| Q4 24 | — | $-4.1M | ||
| Q3 24 | $18.7M | $3.2M | ||
| Q2 24 | $28.7M | $-4.1M | ||
| Q1 24 | $25.3M | $-5.2M |
毛利率FBNCRPAY
| 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FBNCRPAY
| Q4 25 | — | -182.2% | ||
| Q3 25 | 29.0% | -3.9% | ||
| Q2 25 | 44.9% | -138.7% | ||
| Q1 25 | 44.2% | -4.7% | ||
| Q4 24 | — | -1.5% | ||
| Q3 24 | 23.4% | -0.9% | ||
| Q2 24 | 38.5% | -4.6% | ||
| Q1 24 | 34.5% | -3.1% |
净利率FBNCRPAY
| Q4 25 | — | -178.3% | ||
| Q3 25 | 22.7% | -8.3% | ||
| Q2 25 | 34.7% | -135.2% | ||
| Q1 25 | 34.4% | -10.3% | ||
| Q4 24 | — | -5.3% | ||
| Q3 24 | 19.3% | 4.1% | ||
| Q2 24 | 30.0% | -5.4% | ||
| Q1 24 | 27.4% | -6.5% |
每股收益（稀释后）FBNCRPAY
| Q4 25 | — | $-1.68 | ||
| Q3 25 | $0.49 | $-0.08 | ||
| Q2 25 | $0.93 | $-1.15 | ||
| Q1 25 | $0.88 | $-0.09 | ||
| Q4 24 | — | $-0.04 | ||
| Q3 24 | $0.45 | $0.03 | ||
| Q2 24 | $0.70 | $-0.04 | ||
| Q1 24 | $0.61 | $-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 | $92.4M | $280.1M |
| 股东权益账面价值 | $1.6B | $484.4M |
| 总资产 | $12.8B | $1.2B |
| 负债/权益比越低杠杆越低 | 0.06× | 0.58× |
8季度趋势，按日历期对齐
现金及短期投资FBNCRPAY
| 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 |
总债务FBNCRPAY
| Q4 25 | — | $280.1M | ||
| Q3 25 | $92.4M | $279.5M | ||
| Q2 25 | $92.2M | $279.0M | ||
| Q1 25 | $92.1M | $497.6M | ||
| Q4 24 | — | $496.8M | ||
| Q3 24 | $91.7M | $496.2M | ||
| Q2 24 | $91.5M | $435.6M | ||
| Q1 24 | $332.3M | $434.9M |
股东权益FBNCRPAY
| Q4 25 | — | $484.4M | ||
| Q3 25 | $1.6B | $616.9M | ||
| Q2 25 | $1.6B | $633.7M | ||
| Q1 25 | $1.5B | $755.7M | ||
| Q4 24 | — | $761.3M | ||
| Q3 24 | $1.5B | $754.7M | ||
| Q2 24 | $1.4B | $815.4M | ||
| Q1 24 | $1.4B | $813.8M |
总资产FBNCRPAY
| Q4 25 | — | $1.2B | ||
| Q3 25 | $12.8B | $1.3B | ||
| Q2 25 | $12.6B | $1.4B | ||
| Q1 25 | $12.4B | $1.5B | ||
| Q4 24 | — | $1.6B | ||
| Q3 24 | $12.2B | $1.6B | ||
| Q2 24 | $12.1B | $1.5B | ||
| Q1 24 | $12.1B | $1.5B |
负债/权益比FBNCRPAY
| Q4 25 | — | 0.58× | ||
| Q3 25 | 0.06× | 0.45× | ||
| Q2 25 | 0.06× | 0.44× | ||
| Q1 25 | 0.06× | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | 0.06× | 0.66× | ||
| Q2 24 | 0.07× | 0.53× | ||
| Q1 24 | 0.24× | 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 | $49.7M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $48.2M | $23.2M |
| 自由现金流率自由现金流/营收 | 53.8% | 29.6% |
| 资本支出强度资本支出/营收 | 1.6% | 0.1% |
| 现金转化率经营现金流/净利润 | 2.44× | — |
| 过去12个月自由现金流最近4个季度 | $182.9M | $90.7M |
8季度趋势，按日历期对齐
经营现金流FBNCRPAY
| Q4 25 | — | $23.3M | ||
| Q3 25 | $49.7M | $32.2M | ||
| Q2 25 | $45.7M | $33.1M | ||
| Q1 25 | $52.6M | $2.5M | ||
| Q4 24 | — | $34.3M | ||
| Q3 24 | $38.4M | $60.1M | ||
| Q2 24 | $87.7M | $31.0M | ||
| Q1 24 | $-20.1M | $24.8M |
自由现金流FBNCRPAY
| Q4 25 | — | $23.2M | ||
| Q3 25 | $48.2M | $32.1M | ||
| Q2 25 | $44.3M | $33.0M | ||
| Q1 25 | $52.4M | $2.4M | ||
| Q4 24 | — | $34.0M | ||
| Q3 24 | $38.0M | $59.8M | ||
| Q2 24 | $87.6M | $30.5M | ||
| Q1 24 | $-21.7M | $24.7M |
自由现金流率FBNCRPAY
| Q4 25 | — | 29.6% | ||
| Q3 25 | 53.8% | 41.3% | ||
| Q2 25 | 39.9% | 43.6% | ||
| Q1 25 | 49.5% | 3.0% | ||
| Q4 24 | — | 43.5% | ||
| Q3 24 | 39.3% | 75.6% | ||
| Q2 24 | 91.6% | 40.7% | ||
| Q1 24 | -23.6% | 30.6% |
资本支出强度FBNCRPAY
| Q4 25 | — | 0.1% | ||
| Q3 25 | 1.6% | 0.2% | ||
| Q2 25 | 1.2% | 0.1% | ||
| Q1 25 | 0.2% | 0.2% | ||
| Q4 24 | — | 0.3% | ||
| Q3 24 | 0.5% | 0.3% | ||
| Q2 24 | 0.1% | 0.6% | ||
| Q1 24 | 1.8% | 0.1% |
现金转化率FBNCRPAY
| Q4 25 | — | — | ||
| Q3 25 | 2.44× | — | ||
| Q2 25 | 1.19× | — | ||
| Q1 25 | 1.44× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.06× | 18.52× | ||
| Q2 24 | 3.06× | — | ||
| Q1 24 | -0.80× | — |
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
FBNC
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% |
