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富兰克林柯维（FC）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的季度营收约是富兰克林柯维的1.5倍（$94.3M vs $64.0M），REPUBLIC BANCORP INC净利率更高（24.2% vs -5.1%，领先29.3%），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 $-1.6M），过去两年富兰克林柯维的营收复合增速更高（2.2% vs -11.5%）
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。
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。
FC vs RBCAA — 直观对比
营收规模更大
RBCAA
是对方的1.5倍
$64.0M
营收增速更快
RBCAA
高出12.6%
-7.3%
净利率更高
RBCAA
高出29.3%
-5.1%
自由现金流更多
RBCAA
多$162.7M
$-1.6M
两年增速更快
FC
近两年复合增速
-11.5%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $64.0M | $94.3M |
| 净利润 | $-3.3M | $22.8M |
| 毛利率 | 75.5% | — |
| 营业利润率 | -5.7% | 29.3% |
| 净利率 | -5.1% | 24.2% |
| 营收同比 | -7.3% | 5.3% |
| 净利润同比 | -378.5% | 20.0% |
| 每股收益（稀释后） | $-0.27 | — |
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FCRBCAA
| Q4 25 | $64.0M | $94.3M | ||
| Q3 25 | $71.2M | $93.5M | ||
| Q2 25 | $67.1M | $93.8M | ||
| Q1 25 | $59.6M | $135.8M | ||
| Q4 24 | $69.1M | $89.5M | ||
| Q3 24 | $84.1M | $88.1M | ||
| Q2 24 | $73.4M | $86.9M | ||
| Q1 24 | $61.3M | $120.3M |
净利润FCRBCAA
| Q4 25 | $-3.3M | $22.8M | ||
| Q3 25 | $4.4M | $29.7M | ||
| Q2 25 | $-1.4M | $31.5M | ||
| Q1 25 | $-1.1M | $47.3M | ||
| Q4 24 | $1.2M | $19.0M | ||
| Q3 24 | $12.0M | $26.5M | ||
| Q2 24 | $5.7M | $25.2M | ||
| Q1 24 | $874.0K | $30.6M |
毛利率FCRBCAA
| 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FCRBCAA
| Q4 25 | -5.7% | 29.3% | ||
| Q3 25 | 11.1% | 40.4% | ||
| Q2 25 | -3.3% | 43.0% | ||
| Q1 25 | -2.4% | 44.1% | ||
| Q4 24 | 2.1% | 25.8% | ||
| Q3 24 | 21.3% | 38.4% | ||
| Q2 24 | 11.4% | 37.0% | ||
| Q1 24 | 2.4% | 32.2% |
净利率FCRBCAA
| Q4 25 | -5.1% | 24.2% | ||
| Q3 25 | 6.1% | 31.8% | ||
| Q2 25 | -2.1% | 33.5% | ||
| Q1 25 | -1.8% | 34.8% | ||
| Q4 24 | 1.7% | 21.2% | ||
| Q3 24 | 14.2% | 30.1% | ||
| Q2 24 | 7.8% | 29.0% | ||
| Q1 24 | 1.4% | 25.4% |
每股收益（稀释后）FCRBCAA
| Q4 25 | $-0.27 | — | ||
| Q3 25 | $0.34 | — | ||
| Q2 25 | $-0.11 | — | ||
| Q1 25 | $-0.08 | — | ||
| Q4 24 | $0.09 | — | ||
| Q3 24 | $0.89 | — | ||
| Q2 24 | $0.43 | — | ||
| Q1 24 | $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 | $17.5M | $220.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $54.0M | $1.1B |
| 总资产 | $221.3M | $7.0B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资FCRBCAA
| Q4 25 | $17.5M | $220.0M | ||
| Q3 25 | $31.7M | $484.2M | ||
| Q2 25 | $33.7M | $484.8M | ||
| Q1 25 | $40.4M | $793.0M | ||
| Q4 24 | $53.3M | $432.2M | ||
| Q3 24 | $48.7M | $530.9M | ||
| Q2 24 | $36.6M | $400.1M | ||
| Q1 24 | $40.9M | $546.4M |
股东权益FCRBCAA
| Q4 25 | $54.0M | $1.1B | ||
| Q3 25 | $66.9M | $1.1B | ||
| Q2 25 | $65.6M | $1.1B | ||
| Q1 25 | $72.5M | $1.0B | ||
| Q4 24 | $80.6M | $992.0M | ||
| Q3 24 | $83.1M | $979.7M | ||
| Q2 24 | $72.2M | $955.4M | ||
| Q1 24 | $70.8M | $935.6M |
总资产FCRBCAA
| Q4 25 | $221.3M | $7.0B | ||
| Q3 25 | $242.9M | $7.0B | ||
| Q2 25 | $218.3M | $7.0B | ||
| Q1 25 | $221.3M | $7.1B | ||
| Q4 24 | $239.9M | $6.8B | ||
| Q3 24 | $261.5M | $6.7B | ||
| Q2 24 | $221.0M | $6.6B | ||
| Q1 24 | $221.9M | $6.9B |
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 | $168.2M |
| 自由现金流经营现金流 - 资本支出 | $-1.6M | $161.1M |
| 自由现金流率自由现金流/营收 | -2.5% | 170.9% |
| 资本支出强度资本支出/营收 | 2.7% | 7.5% |
| 现金转化率经营现金流/净利润 | — | 7.37× |
| 过去12个月自由现金流最近4个季度 | $5.9M | $288.6M |
8季度趋势，按日历期对齐
经营现金流FCRBCAA
| Q4 25 | $98.0K | $168.2M | ||
| Q3 25 | $9.9M | $33.3M | ||
| Q2 25 | $6.3M | $8.4M | ||
| Q1 25 | $-1.4M | $93.2M | ||
| Q4 24 | $14.1M | $149.0M | ||
| Q3 24 | $21.9M | $51.3M | ||
| Q2 24 | $8.2M | $4.0M | ||
| Q1 24 | $12.8M | $71.2M |
自由现金流FCRBCAA
| Q4 25 | $-1.6M | $161.1M | ||
| Q3 25 | $5.7M | $30.8M | ||
| Q2 25 | $4.5M | $5.2M | ||
| Q1 25 | $-2.6M | $91.6M | ||
| Q4 24 | $13.1M | $143.2M | ||
| Q3 24 | $20.8M | $49.8M | ||
| Q2 24 | $7.3M | $2.7M | ||
| Q1 24 | $12.1M | $69.1M |
自由现金流率FCRBCAA
| Q4 25 | -2.5% | 170.9% | ||
| Q3 25 | 8.0% | 32.9% | ||
| Q2 25 | 6.7% | 5.5% | ||
| Q1 25 | -4.4% | 67.4% | ||
| Q4 24 | 19.0% | 160.0% | ||
| Q3 24 | 24.7% | 56.5% | ||
| Q2 24 | 9.9% | 3.1% | ||
| Q1 24 | 19.8% | 57.5% |
资本支出强度FCRBCAA
| Q4 25 | 2.7% | 7.5% | ||
| Q3 25 | 5.9% | 2.6% | ||
| Q2 25 | 2.7% | 3.5% | ||
| Q1 25 | 2.1% | 1.2% | ||
| Q4 24 | 1.4% | 6.5% | ||
| Q3 24 | 1.3% | 1.7% | ||
| Q2 24 | 1.2% | 1.5% | ||
| Q1 24 | 1.0% | 1.7% |
现金转化率FCRBCAA
| Q4 25 | — | 7.37× | ||
| Q3 25 | 2.27× | 1.12× | ||
| Q2 25 | — | 0.27× | ||
| Q1 25 | — | 1.97× | ||
| Q4 24 | 11.98× | 7.84× | ||
| Q3 24 | 1.83× | 1.93× | ||
| Q2 24 | 1.43× | 0.16× | ||
| Q1 24 | 14.62× | 2.33× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
