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富兰克林柯维（FC）与RBB Bancorp（RBB）财务数据对比。点击上方公司名可切换其他公司
富兰克林柯维的季度营收约是RBB Bancorp的2.0倍（$64.0M vs $32.3M），RBB Bancorp净利率更高（31.5% vs -5.1%，领先36.6%），RBB Bancorp同比增速更快（12.6% vs -7.3%），RBB Bancorp自由现金流更多（$42.6M vs $-1.6M），过去两年RBB Bancorp的营收复合增速更高（7.0% vs 2.2%）
富兰克林柯维总部位于美国犹他州盐湖城，是一家专业培训指导企业，面向各类组织与个人提供领导力提升、个人效能成长与业务执行领域的培训及评估服务。公司由富兰克林奎斯特与柯维领导力中心于1997年合并成立，最为人熟知的产品包括富兰克林柯维规划系统等。
RBB银行控股公司是总部位于美国的金融控股集团，旗下核心主体为皇家商业银行，主要服务亚裔社群、中小微企业、不动产投资者及零售客户，提供商业信贷、储蓄存款、财富管理等多元金融服务，业务覆盖美国沿海核心都会区。
FC vs RBB — 直观对比
营收规模更大
FC
是对方的2.0倍
$32.3M
营收增速更快
RBB
高出19.9%
-7.3%
净利率更高
RBB
高出36.6%
-5.1%
自由现金流更多
RBB
多$44.2M
$-1.6M
两年增速更快
RBB
近两年复合增速
2.2%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $64.0M | $32.3M |
| 净利润 | $-3.3M | $10.2M |
| 毛利率 | 75.5% | — |
| 营业利润率 | -5.7% | 39.5% |
| 净利率 | -5.1% | 31.5% |
| 营收同比 | -7.3% | 12.6% |
| 净利润同比 | -378.5% | 132.1% |
| 每股收益（稀释后） | $-0.27 | $0.59 |
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FCRBB
| Q4 25 | $64.0M | $32.3M | ||
| Q3 25 | $71.2M | $32.6M | ||
| Q2 25 | $67.1M | $35.8M | ||
| Q1 25 | $59.6M | $28.5M | ||
| Q4 24 | $69.1M | $28.7M | ||
| Q3 24 | $84.1M | $30.3M | ||
| Q2 24 | $73.4M | $27.5M | ||
| Q1 24 | $61.3M | $28.2M |
净利润FCRBB
| Q4 25 | $-3.3M | $10.2M | ||
| Q3 25 | $4.4M | $10.1M | ||
| Q2 25 | $-1.4M | $9.3M | ||
| Q1 25 | $-1.1M | $2.3M | ||
| Q4 24 | $1.2M | $4.4M | ||
| Q3 24 | $12.0M | $7.0M | ||
| Q2 24 | $5.7M | $7.2M | ||
| Q1 24 | $874.0K | $8.0M |
毛利率FCRBB
| Q4 25 | 75.5% | — | ||
| Q3 25 | 75.5% | — | ||
| Q2 25 | 76.5% | — | ||
| Q1 25 | 76.7% | — | ||
| Q4 24 | 76.3% | — | ||
| Q3 24 | 78.1% | — | ||
| Q2 24 | 76.6% | — | ||
| Q1 24 | 76.4% | — |
营业利润率FCRBB
| Q4 25 | -5.7% | 39.5% | ||
| Q3 25 | 11.1% | 40.7% | ||
| Q2 25 | -3.3% | 36.1% | ||
| Q1 25 | -2.4% | 11.2% | ||
| Q4 24 | 2.1% | 17.6% | ||
| Q3 24 | 21.3% | 31.6% | ||
| Q2 24 | 11.4% | 35.6% | ||
| Q1 24 | 2.4% | 39.9% |
净利率FCRBB
| Q4 25 | -5.1% | 31.5% | ||
| Q3 25 | 6.1% | 31.2% | ||
| Q2 25 | -2.1% | 26.1% | ||
| Q1 25 | -1.8% | 8.0% | ||
| Q4 24 | 1.7% | 15.3% | ||
| Q3 24 | 14.2% | 23.1% | ||
| Q2 24 | 7.8% | 26.4% | ||
| Q1 24 | 1.4% | 28.4% |
每股收益（稀释后）FCRBB
| Q4 25 | $-0.27 | $0.59 | ||
| Q3 25 | $0.34 | $0.59 | ||
| Q2 25 | $-0.11 | $0.52 | ||
| Q1 25 | $-0.08 | $0.13 | ||
| Q4 24 | $0.09 | $0.26 | ||
| Q3 24 | $0.89 | $0.39 | ||
| Q2 24 | $0.43 | $0.39 | ||
| Q1 24 | $0.06 | $0.43 |
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 | $17.5M | $212.3M |
| 总债务越低越好 | — | $119.9M |
| 股东权益账面价值 | $54.0M | $523.4M |
| 总资产 | $221.3M | $4.2B |
| 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FCRBB
| Q4 25 | $17.5M | $212.3M | ||
| Q3 25 | $31.7M | $234.9M | ||
| Q2 25 | $33.7M | $191.9M | ||
| Q1 25 | $40.4M | $238.8M | ||
| Q4 24 | $53.3M | $257.7M | ||
| Q3 24 | $48.7M | $349.4M | ||
| Q2 24 | $36.6M | $252.8M | ||
| Q1 24 | $40.9M | — |
总债务FCRBB
| Q4 25 | — | $119.9M | ||
| Q3 25 | — | $119.8M | ||
| Q2 25 | — | $119.7M | ||
| Q1 25 | — | $119.6M | ||
| Q4 24 | — | $119.5M | ||
| Q3 24 | — | $119.4M | ||
| Q2 24 | — | $119.3M | ||
| Q1 24 | — | $119.2M |
股东权益FCRBB
| Q4 25 | $54.0M | $523.4M | ||
| Q3 25 | $66.9M | $514.3M | ||
| Q2 25 | $65.6M | $517.7M | ||
| Q1 25 | $72.5M | $510.3M | ||
| Q4 24 | $80.6M | $507.9M | ||
| Q3 24 | $83.1M | $509.7M | ||
| Q2 24 | $72.2M | $511.3M | ||
| Q1 24 | $70.8M | $514.0M |
总资产FCRBB
| Q4 25 | $221.3M | $4.2B | ||
| Q3 25 | $242.9M | $4.2B | ||
| Q2 25 | $218.3M | $4.1B | ||
| Q1 25 | $221.3M | $4.0B | ||
| Q4 24 | $239.9M | $4.0B | ||
| Q3 24 | $261.5M | $4.0B | ||
| Q2 24 | $221.0M | $3.9B | ||
| Q1 24 | $221.9M | $3.9B |
负债/权益比FCRBB
| Q4 25 | — | 0.23× | ||
| Q3 25 | — | 0.23× | ||
| Q2 25 | — | 0.23× | ||
| Q1 25 | — | 0.23× | ||
| Q4 24 | — | 0.24× | ||
| Q3 24 | — | 0.23× | ||
| Q2 24 | — | 0.23× | ||
| Q1 24 | — | 0.23× |
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 | $98.0K | $43.4M |
| 自由现金流经营现金流 - 资本支出 | $-1.6M | $42.6M |
| 自由现金流率自由现金流/营收 | -2.5% | 131.8% |
| 资本支出强度资本支出/营收 | 2.7% | 2.5% |
| 现金转化率经营现金流/净利润 | — | 4.26× |
| 过去12个月自由现金流最近4个季度 | $5.9M | $73.5M |
8季度趋势，按日历期对齐
经营现金流FCRBB
| Q4 25 | $98.0K | $43.4M | ||
| Q3 25 | $9.9M | $2.1M | ||
| Q2 25 | $6.3M | $21.7M | ||
| Q1 25 | $-1.4M | $7.8M | ||
| Q4 24 | $14.1M | $58.5M | ||
| Q3 24 | $21.9M | $24.5M | ||
| Q2 24 | $8.2M | $11.7M | ||
| Q1 24 | $12.8M | $4.8M |
自由现金流FCRBB
| Q4 25 | $-1.6M | $42.6M | ||
| Q3 25 | $5.7M | $1.8M | ||
| Q2 25 | $4.5M | $21.6M | ||
| Q1 25 | $-2.6M | $7.6M | ||
| Q4 24 | $13.1M | $57.7M | ||
| Q3 24 | $20.8M | $24.2M | ||
| Q2 24 | $7.3M | $11.5M | ||
| Q1 24 | $12.1M | $4.7M |
自由现金流率FCRBB
| Q4 25 | -2.5% | 131.8% | ||
| Q3 25 | 8.0% | 5.4% | ||
| Q2 25 | 6.7% | 60.2% | ||
| Q1 25 | -4.4% | 26.7% | ||
| Q4 24 | 19.0% | 201.0% | ||
| Q3 24 | 24.7% | 80.0% | ||
| Q2 24 | 9.9% | 42.0% | ||
| Q1 24 | 19.8% | 16.6% |
资本支出强度FCRBB
| Q4 25 | 2.7% | 2.5% | ||
| Q3 25 | 5.9% | 1.1% | ||
| Q2 25 | 2.7% | 0.3% | ||
| Q1 25 | 2.1% | 0.6% | ||
| Q4 24 | 1.4% | 2.7% | ||
| Q3 24 | 1.3% | 0.8% | ||
| Q2 24 | 1.2% | 0.5% | ||
| Q1 24 | 1.0% | 0.5% |
现金转化率FCRBB
| Q4 25 | — | 4.26× | ||
| Q3 25 | 2.27× | 0.21× | ||
| Q2 25 | — | 2.32× | ||
| Q1 25 | — | 3.39× | ||
| Q4 24 | 11.98× | 13.34× | ||
| Q3 24 | 1.83× | 3.50× | ||
| Q2 24 | 1.43× | 1.61× | ||
| Q1 24 | 14.62× | 0.60× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
