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First Guaranty Bancshares, Inc.（FGBI）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
First Guaranty Bancshares, Inc.的季度营收约是RIVERVIEW BANCORP INC的1.6倍（$22.3M vs $14.0M），First Guaranty Bancshares, Inc.净利率更高（12.1% vs 9.8%，领先2.3%），RIVERVIEW BANCORP INC同比增速更快（10.4% vs -10.9%），RIVERVIEW BANCORP INC自由现金流更多（$-736.0K vs $-10.0M），过去两年RIVERVIEW BANCORP INC的营收复合增速更高（24.6% vs -4.0%）
第一公民银行股份公司是一家银行控股公司，总部位于北卡罗来纳州罗利，是美国规模最大的银行之一。公司主要子公司为第一公民银行，在全美23个州开设了超过500家分行；另一家子公司为硅谷银行，在15个州共设有39个办事处。
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。
FGBI vs RVSB — 直观对比
营收规模更大
FGBI
是对方的1.6倍
$14.0M
营收增速更快
RVSB
高出21.3%
-10.9%
净利率更高
FGBI
高出2.3%
9.8%
自由现金流更多
RVSB
多$9.2M
$-10.0M
两年增速更快
RVSB
近两年复合增速
-4.0%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $22.3M | $14.0M |
| 净利润 | $2.5M | $1.4M |
| 毛利率 | — | — |
| 营业利润率 | 14.4% | 12.4% |
| 净利率 | 12.1% | 9.8% |
| 营收同比 | -10.9% | 10.4% |
| 净利润同比 | 142.6% | 11.8% |
| 每股收益（稀释后） | — | $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FGBIRVSB
| Q4 25 | $22.3M | $14.0M | ||
| Q3 25 | $24.1M | $13.6M | ||
| Q2 25 | $24.4M | $13.3M | ||
| Q1 25 | $24.6M | $12.9M | ||
| Q4 24 | $25.1M | $12.7M | ||
| Q3 24 | $27.1M | $12.8M | ||
| Q2 24 | $36.8M | $12.2M | ||
| Q1 24 | $24.2M | $9.0M |
净利润FGBIRVSB
| Q4 25 | $2.5M | $1.4M | ||
| Q3 25 | $-45.0M | $1.1M | ||
| Q2 25 | $-7.3M | $1.2M | ||
| Q1 25 | $-6.2M | $1.1M | ||
| Q4 24 | $1.0M | $1.2M | ||
| Q3 24 | $1.9M | $1.6M | ||
| Q2 24 | $7.2M | $966.0K | ||
| Q1 24 | $2.3M | $-3.0M |
营业利润率FGBIRVSB
| Q4 25 | 14.4% | 12.4% | ||
| Q3 25 | -224.1% | 10.2% | ||
| Q2 25 | -38.9% | 11.7% | ||
| Q1 25 | -32.5% | 11.3% | ||
| Q4 24 | 4.7% | 12.4% | ||
| Q3 24 | 9.2% | 15.5% | ||
| Q2 24 | 25.4% | 10.0% | ||
| Q1 24 | 12.3% | -47.5% |
净利率FGBIRVSB
| Q4 25 | 12.1% | 9.8% | ||
| Q3 25 | -186.7% | 8.1% | ||
| Q2 25 | -29.9% | 9.2% | ||
| Q1 25 | -25.1% | 8.9% | ||
| Q4 24 | 4.0% | 9.7% | ||
| Q3 24 | 7.1% | 12.2% | ||
| Q2 24 | 19.6% | 7.9% | ||
| Q1 24 | 9.5% | -34.7% |
每股收益（稀释后）FGBIRVSB
| Q4 25 | — | $0.07 | ||
| Q3 25 | — | $0.05 | ||
| Q2 25 | — | $0.06 | ||
| Q1 25 | — | $0.05 | ||
| Q4 24 | — | $0.06 | ||
| Q3 24 | — | $0.07 | ||
| Q2 24 | — | $0.05 | ||
| Q1 24 | — | $-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 | $179.0M | — |
| 股东权益账面价值 | $226.2M | $164.2M |
| 总资产 | $4.1B | $1.5B |
| 负债/权益比越低杠杆越低 | 0.79× | — |
8季度趋势，按日历期对齐
现金及短期投资FGBIRVSB
| 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 |
总债务FGBIRVSB
| Q4 25 | $179.0M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $194.9M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益FGBIRVSB
| Q4 25 | $226.2M | $164.2M | ||
| Q3 25 | $221.1M | $163.5M | ||
| Q2 25 | $263.1M | $162.0M | ||
| Q1 25 | $251.4M | $160.0M | ||
| Q4 24 | $255.0M | $158.3M | ||
| Q3 24 | $256.4M | $160.8M | ||
| Q2 24 | $255.1M | $155.9M | ||
| Q1 24 | $250.3M | $155.6M |
总资产FGBIRVSB
| Q4 25 | $4.1B | $1.5B | ||
| Q3 25 | $3.8B | $1.5B | ||
| Q2 25 | $4.0B | $1.5B | ||
| Q1 25 | $3.8B | $1.5B | ||
| Q4 24 | $4.0B | $1.5B | ||
| Q3 24 | $3.9B | $1.5B | ||
| Q2 24 | $3.6B | $1.5B | ||
| Q1 24 | $3.6B | $1.5B |
负债/权益比FGBIRVSB
| Q4 25 | 0.79× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.76× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 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 | $-8.3M | $-506.0K |
| 自由现金流经营现金流 - 资本支出 | $-10.0M | $-736.0K |
| 自由现金流率自由现金流/营收 | -44.6% | -5.2% |
| 资本支出强度资本支出/营收 | 7.6% | 1.6% |
| 现金转化率经营现金流/净利润 | -3.38× | -0.37× |
| 过去12个月自由现金流最近4个季度 | $5.4M | $20.4M |
8季度趋势，按日历期对齐
经营现金流FGBIRVSB
| Q4 25 | $-8.3M | $-506.0K | ||
| Q3 25 | $29.4M | $16.8M | ||
| Q2 25 | $-18.3M | $-697.0K | ||
| Q1 25 | $5.4M | $8.3M | ||
| Q4 24 | $33.7M | $2.2M | ||
| Q3 24 | $4.9M | $764.0K | ||
| Q2 24 | $7.9M | $5.4M | ||
| Q1 24 | $2.0M | $12.8M |
自由现金流FGBIRVSB
| Q4 25 | $-10.0M | $-736.0K | ||
| Q3 25 | $28.7M | $16.4M | ||
| Q2 25 | $-18.6M | $-773.0K | ||
| Q1 25 | $5.2M | $5.6M | ||
| Q4 24 | $30.7M | $1.9M | ||
| Q3 24 | $4.7M | $-1.4M | ||
| Q2 24 | $6.6M | $5.3M | ||
| Q1 24 | $396.0K | $7.1M |
自由现金流率FGBIRVSB
| Q4 25 | -44.6% | -5.2% | ||
| Q3 25 | 119.3% | 120.1% | ||
| Q2 25 | -76.2% | -5.8% | ||
| Q1 25 | 21.1% | 43.1% | ||
| Q4 24 | 122.4% | 15.0% | ||
| Q3 24 | 17.4% | -11.3% | ||
| Q2 24 | 18.0% | 43.7% | ||
| Q1 24 | 1.6% | 79.0% |
资本支出强度FGBIRVSB
| Q4 25 | 7.6% | 1.6% | ||
| Q3 25 | 2.9% | 2.9% | ||
| Q2 25 | 1.1% | 0.6% | ||
| Q1 25 | 0.8% | 21.0% | ||
| Q4 24 | 12.1% | 2.4% | ||
| Q3 24 | 0.5% | 17.3% | ||
| Q2 24 | 3.5% | 0.9% | ||
| Q1 24 | 6.6% | 62.0% |
现金转化率FGBIRVSB
| Q4 25 | -3.38× | -0.37× | ||
| Q3 25 | — | 15.25× | ||
| Q2 25 | — | -0.57× | ||
| Q1 25 | — | 7.20× | ||
| Q4 24 | 33.40× | 1.79× | ||
| Q3 24 | 2.52× | 0.49× | ||
| Q2 24 | 1.10× | 5.63× | ||
| Q1 24 | 0.86× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
