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FIRST CAPITAL INC（FCAP）与RIVERVIEW BANCORP INC（RVSB）财务数据对比。点击上方公司名可切换其他公司
RIVERVIEW BANCORP INC的季度营收约是FIRST CAPITAL INC的1.0倍（$14.0M vs $13.5M），FIRST CAPITAL INC净利率更高（36.2% vs 9.8%，领先26.4%），FIRST CAPITAL INC同比增速更快（19.0% vs 10.4%），FIRST CAPITAL INC自由现金流更多（$19.9M vs $-736.0K），过去两年RIVERVIEW BANCORP INC的营收复合增速更高（24.6% vs 13.4%）
First Capital曾用名Future Capital Holdings，是印度一家非银行金融机构，主营债务融资业务。2018年12月，该机构与IDFC银行合并，组建IDFC第一银行，合并前其股票在印度国家证券交易所和孟买证券交易所挂牌上市。
Riverview Bancorp Inc.是一家总部位于美国的银行控股公司，主营个人与商业银行业务，服务覆盖太平洋西北地区，提供存款、消费贷款、住房抵押贷款、商业信贷及小企业金融等产品，服务零售客户与本地企业群体。
FCAP vs RVSB — 直观对比
营收规模更大
RVSB
是对方的1.0倍
$13.5M
营收增速更快
FCAP
高出8.6%
10.4%
净利率更高
FCAP
高出26.4%
9.8%
自由现金流更多
FCAP
多$20.7M
$-736.0K
两年增速更快
RVSB
近两年复合增速
13.4%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $13.5M | $14.0M |
| 净利润 | $4.9M | $1.4M |
| 毛利率 | — | — |
| 营业利润率 | — | 12.4% |
| 净利率 | 36.2% | 9.8% |
| 营收同比 | 19.0% | 10.4% |
| 净利润同比 | 49.6% | 11.8% |
| 每股收益（稀释后） | $1.45 | $0.07 |
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FCAPRVSB
| Q4 25 | $13.5M | $14.0M | ||
| Q3 25 | $13.3M | $13.6M | ||
| Q2 25 | $12.4M | $13.3M | ||
| Q1 25 | $11.4M | $12.9M | ||
| Q4 24 | $11.3M | $12.7M | ||
| Q3 24 | $10.9M | $12.8M | ||
| Q2 24 | $10.7M | $12.2M | ||
| Q1 24 | $10.5M | $9.0M |
净利润FCAPRVSB
| Q4 25 | $4.9M | $1.4M | ||
| Q3 25 | $4.5M | $1.1M | ||
| Q2 25 | $3.8M | $1.2M | ||
| Q1 25 | $3.2M | $1.1M | ||
| Q4 24 | $3.3M | $1.2M | ||
| Q3 24 | $2.9M | $1.6M | ||
| Q2 24 | $2.8M | $966.0K | ||
| Q1 24 | $3.0M | $-3.0M |
营业利润率FCAPRVSB
| Q4 25 | — | 12.4% | ||
| Q3 25 | 41.8% | 10.2% | ||
| Q2 25 | 37.2% | 11.7% | ||
| Q1 25 | 34.2% | 11.3% | ||
| Q4 24 | 34.8% | 12.4% | ||
| Q3 24 | 31.5% | 15.5% | ||
| Q2 24 | 31.1% | 10.0% | ||
| Q1 24 | 33.0% | -47.5% |
净利率FCAPRVSB
| Q4 25 | 36.2% | 9.8% | ||
| Q3 25 | 33.8% | 8.1% | ||
| Q2 25 | 30.4% | 9.2% | ||
| Q1 25 | 28.3% | 8.9% | ||
| Q4 24 | 28.8% | 9.7% | ||
| Q3 24 | 26.5% | 12.2% | ||
| Q2 24 | 26.5% | 7.9% | ||
| Q1 24 | 28.1% | -34.7% |
每股收益（稀释后）FCAPRVSB
| Q4 25 | $1.45 | $0.07 | ||
| Q3 25 | $1.34 | $0.05 | ||
| Q2 25 | $1.13 | $0.06 | ||
| Q1 25 | $0.97 | $0.05 | ||
| Q4 24 | $0.97 | $0.06 | ||
| Q3 24 | $0.87 | $0.07 | ||
| Q2 24 | $0.85 | $0.05 | ||
| Q1 24 | $0.88 | $-0.14 |
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 | — | $28.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $137.8M | $164.2M |
| 总资产 | $1.3B | $1.5B |
| 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FCAPRVSB
| Q4 25 | — | $28.6M | ||
| Q3 25 | — | $32.8M | ||
| Q2 25 | — | $34.2M | ||
| Q1 25 | — | $29.4M | ||
| Q4 24 | — | $25.3M | ||
| Q3 24 | — | $31.0M | ||
| Q2 24 | — | $27.8M | ||
| Q1 24 | — | $23.6M |
股东权益FCAPRVSB
| Q4 25 | $137.8M | $164.2M | ||
| Q3 25 | $132.4M | $163.5M | ||
| Q2 25 | $123.2M | $162.0M | ||
| Q1 25 | $120.1M | $160.0M | ||
| Q4 24 | $114.6M | $158.3M | ||
| Q3 24 | $116.8M | $160.8M | ||
| Q2 24 | $107.8M | $155.9M | ||
| Q1 24 | $105.7M | $155.6M |
总资产FCAPRVSB
| Q4 25 | $1.3B | $1.5B | ||
| Q3 25 | $1.2B | $1.5B | ||
| Q2 25 | $1.2B | $1.5B | ||
| Q1 25 | $1.2B | $1.5B | ||
| Q4 24 | $1.2B | $1.5B | ||
| Q3 24 | $1.2B | $1.5B | ||
| Q2 24 | $1.2B | $1.5B | ||
| Q1 24 | $1.2B | $1.5B |
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 | $21.3M | $-506.0K |
| 自由现金流经营现金流 - 资本支出 | $19.9M | $-736.0K |
| 自由现金流率自由现金流/营收 | 147.7% | -5.2% |
| 资本支出强度资本支出/营收 | 10.0% | 1.6% |
| 现金转化率经营现金流/净利润 | 4.36× | -0.37× |
| 过去12个月自由现金流最近4个季度 | $35.3M | $20.4M |
8季度趋势，按日历期对齐
经营现金流FCAPRVSB
| Q4 25 | $21.3M | $-506.0K | ||
| Q3 25 | $7.9M | $16.8M | ||
| Q2 25 | $3.7M | $-697.0K | ||
| Q1 25 | $4.4M | $8.3M | ||
| Q4 24 | $22.3M | $2.2M | ||
| Q3 24 | $7.6M | $764.0K | ||
| Q2 24 | $3.5M | $5.4M | ||
| Q1 24 | $7.2M | $12.8M |
自由现金流FCAPRVSB
| Q4 25 | $19.9M | $-736.0K | ||
| Q3 25 | $7.8M | $16.4M | ||
| Q2 25 | $3.5M | $-773.0K | ||
| Q1 25 | $4.2M | $5.6M | ||
| Q4 24 | $21.6M | $1.9M | ||
| Q3 24 | $7.5M | $-1.4M | ||
| Q2 24 | $3.3M | $5.3M | ||
| Q1 24 | $7.1M | $7.1M |
自由现金流率FCAPRVSB
| Q4 25 | 147.7% | -5.2% | ||
| Q3 25 | 58.6% | 120.1% | ||
| Q2 25 | 27.8% | -5.8% | ||
| Q1 25 | 36.5% | 43.1% | ||
| Q4 24 | 190.7% | 15.0% | ||
| Q3 24 | 68.6% | -11.3% | ||
| Q2 24 | 31.2% | 43.7% | ||
| Q1 24 | 67.2% | 79.0% |
资本支出强度FCAPRVSB
| Q4 25 | 10.0% | 1.6% | ||
| Q3 25 | 1.2% | 2.9% | ||
| Q2 25 | 2.2% | 0.6% | ||
| Q1 25 | 1.9% | 21.0% | ||
| Q4 24 | 6.3% | 2.4% | ||
| Q3 24 | 0.8% | 17.3% | ||
| Q2 24 | 1.4% | 0.9% | ||
| Q1 24 | 1.5% | 62.0% |
现金转化率FCAPRVSB
| Q4 25 | 4.36× | -0.37× | ||
| Q3 25 | 1.77× | 15.25× | ||
| Q2 25 | 0.99× | -0.57× | ||
| Q1 25 | 1.36× | 7.20× | ||
| Q4 24 | 6.84× | 1.79× | ||
| Q3 24 | 2.62× | 0.49× | ||
| Q2 24 | 1.23× | 5.63× | ||
| Q1 24 | 2.45× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
