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Finwise Bancorp（FINW）与READING INTERNATIONAL INC（RDI）财务数据对比。点击上方公司名可切换其他公司
READING INTERNATIONAL INC的季度营收约是Finwise Bancorp的1.2倍（$50.3M vs $42.7M），Finwise Bancorp净利率更高（6.4% vs -5.1%，领先11.5%），过去两年Finwise Bancorp的营收复合增速更高（47.0% vs 5.6%）
Finwise Bancorp是一家总部位于美国的金融控股公司，主要通过旗下社区银行子公司开展业务，提供存款账户、个人贷款、抵押贷款、小微企业融资、财富管理等多元化金融服务，服务覆盖区域内的零售消费者和中小微企业客户。
雷丁公司是总部位于美国费城的铁路企业，1924年起在宾夕法尼亚州东部及周边各州提供客运与货运运输服务，直至1976年被联合铁路公司收购。
FINW vs RDI — 直观对比
营收规模更大
RDI
是对方的1.2倍
$42.7M
净利率更高
FINW
高出11.5%
-5.1%
两年增速更快
FINW
近两年复合增速
5.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $42.7M | $50.3M |
| 净利润 | $2.7M | $-2.6M |
| 毛利率 | — | — |
| 营业利润率 | — | -1.9% |
| 净利率 | 6.4% | -5.1% |
| 营收同比 | — | -14.2% |
| 净利润同比 | — | -14.5% |
| 每股收益（稀释后） | $0.20 | $-0.11 |
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FINWRDI
| Q1 26 | $42.7M | — | ||
| Q4 25 | $46.9M | $50.3M | ||
| Q3 25 | $36.7M | $52.2M | ||
| Q2 25 | $25.1M | $60.4M | ||
| Q1 25 | $22.1M | $40.2M | ||
| Q4 24 | $21.1M | $58.6M | ||
| Q3 24 | $20.8M | $60.1M | ||
| Q2 24 | $19.8M | $46.8M |
净利润FINWRDI
| Q1 26 | $2.7M | — | ||
| Q4 25 | $3.9M | $-2.6M | ||
| Q3 25 | $4.9M | $-4.2M | ||
| Q2 25 | $4.1M | $-2.7M | ||
| Q1 25 | $3.2M | $-4.8M | ||
| Q4 24 | $2.8M | $-2.2M | ||
| Q3 24 | $3.5M | $-7.0M | ||
| Q2 24 | $3.2M | $-12.8M |
营业利润率FINWRDI
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | -1.9% | ||
| Q3 25 | 17.5% | -0.6% | ||
| Q2 25 | 21.7% | 4.8% | ||
| Q1 25 | 20.1% | -17.2% | ||
| Q4 24 | 17.5% | 2.6% | ||
| Q3 24 | 22.2% | -0.6% | ||
| Q2 24 | 21.1% | -16.4% |
净利率FINWRDI
| Q1 26 | 6.4% | — | ||
| Q4 25 | 8.4% | -5.1% | ||
| Q3 25 | 13.3% | -8.0% | ||
| Q2 25 | 16.3% | -4.4% | ||
| Q1 25 | 14.4% | -11.8% | ||
| Q4 24 | 13.2% | -3.8% | ||
| Q3 24 | 16.6% | -11.7% | ||
| Q2 24 | 16.1% | -27.4% |
每股收益（稀释后）FINWRDI
| Q1 26 | $0.20 | — | ||
| Q4 25 | $0.27 | $-0.11 | ||
| Q3 25 | $0.34 | $-0.18 | ||
| Q2 25 | $0.29 | $-0.12 | ||
| Q1 25 | $0.23 | $-0.21 | ||
| Q4 24 | $0.19 | $-0.11 | ||
| Q3 24 | $0.25 | $-0.31 | ||
| Q2 24 | $0.24 | $-0.57 |
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 | — | $10.5M |
| 总债务越低越好 | — | $185.1M |
| 股东权益账面价值 | $196.6M | $-18.2M |
| 总资产 | $899.4M | $434.9M |
| 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FINWRDI
| Q1 26 | — | — | ||
| Q4 25 | $163.4M | $10.5M | ||
| Q3 25 | $105.6M | $8.1M | ||
| Q2 25 | $90.1M | $9.1M | ||
| Q1 25 | $120.3M | $5.9M | ||
| Q4 24 | $109.2M | $12.4M | ||
| Q3 24 | $85.8M | $10.1M | ||
| Q2 24 | $89.0M | $9.3M |
总债务FINWRDI
| Q1 26 | — | — | ||
| Q4 25 | — | $185.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $202.7M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益FINWRDI
| Q1 26 | $196.6M | — | ||
| Q4 25 | $193.2M | $-18.2M | ||
| Q3 25 | $187.8M | $-12.1M | ||
| Q2 25 | $182.0M | $-7.7M | ||
| Q1 25 | $177.4M | $-8.1M | ||
| Q4 24 | $173.7M | $-4.4M | ||
| Q3 24 | $170.4M | $1.6M | ||
| Q2 24 | $165.8M | $6.5M |
总资产FINWRDI
| Q1 26 | $899.4M | — | ||
| Q4 25 | $977.1M | $434.9M | ||
| Q3 25 | $899.9M | $435.2M | ||
| Q2 25 | $842.5M | $438.1M | ||
| Q1 25 | $804.1M | $441.0M | ||
| Q4 24 | $746.0M | $471.0M | ||
| Q3 24 | $683.0M | $495.7M | ||
| Q2 24 | $617.8M | $494.9M |
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 | — | $4.3M |
| 自由现金流经营现金流 - 资本支出 | — | $4.1M |
| 自由现金流率自由现金流/营收 | — | 8.2% |
| 资本支出强度资本支出/营收 | — | 0.3% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $-2.9M |
8季度趋势，按日历期对齐
经营现金流FINWRDI
| Q1 26 | — | — | ||
| Q4 25 | $-28.4M | $4.3M | ||
| Q3 25 | $3.5M | $295.0K | ||
| Q2 25 | $-18.3M | $1.6M | ||
| Q1 25 | $-21.6M | $-7.7M | ||
| Q4 24 | $-15.0M | $8.0M | ||
| Q3 24 | $-9.8M | $1.3M | ||
| Q2 24 | $-7.6M | $-10.4M |
自由现金流FINWRDI
| Q1 26 | — | — | ||
| Q4 25 | $-28.6M | $4.1M | ||
| Q3 25 | $3.4M | $-246.0K | ||
| Q2 25 | $-19.8M | $1.2M | ||
| Q1 25 | $-23.3M | $-8.0M | ||
| Q4 24 | $-16.1M | $7.0M | ||
| Q3 24 | $-13.4M | $-1.1M | ||
| Q2 24 | $-7.7M | $-10.6M |
自由现金流率FINWRDI
| Q1 26 | — | — | ||
| Q4 25 | -61.1% | 8.2% | ||
| Q3 25 | 9.4% | -0.5% | ||
| Q2 25 | -79.0% | 1.9% | ||
| Q1 25 | -105.3% | -19.8% | ||
| Q4 24 | -76.0% | 12.0% | ||
| Q3 24 | -64.3% | -1.8% | ||
| Q2 24 | -38.7% | -22.7% |
资本支出强度FINWRDI
| Q1 26 | — | — | ||
| Q4 25 | 0.5% | 0.3% | ||
| Q3 25 | 0.1% | 1.0% | ||
| Q2 25 | 5.8% | 0.6% | ||
| Q1 25 | 7.4% | 0.6% | ||
| Q4 24 | 5.1% | 1.7% | ||
| Q3 24 | 17.2% | 4.0% | ||
| Q2 24 | 0.3% | 0.5% |
现金转化率FINWRDI
| Q1 26 | — | — | ||
| Q4 25 | -7.26× | — | ||
| Q3 25 | 0.71× | — | ||
| Q2 25 | -4.48× | — | ||
| Q1 25 | -6.78× | — | ||
| Q4 24 | -5.37× | — | ||
| Q3 24 | -2.84× | — | ||
| Q2 24 | -2.39× | — |
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
FINW
| Net Interest Income | $28.1M | 66% |
| Noninterest Income | $14.6M | 34% |
RDI
| Cinema Exhibition Segment | $46.9M | 93% |
| Real Estate Revenue | $3.4M | 7% |
