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Finwise Bancorp（FINW）与REGENXBIO Inc.（RGNX）财务数据对比。点击上方公司名可切换其他公司
Finwise Bancorp的季度营收约是REGENXBIO Inc.的1.4倍（$42.7M vs $30.3M），Finwise Bancorp净利率更高（6.4% vs -221.3%，领先227.7%），过去两年Finwise Bancorp的营收复合增速更高（47.0% vs 39.4%）
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。
REGENXBIO Inc.是一家临床阶段生物技术企业，专注于开发针对罕见及严重遗传疾病的突破性基因疗法。公司拥有专有的腺相关病毒载体技术，既向全球生物制药合作伙伴提供技术授权，也自主推进多疾病领域的基因疗法管线研发。
FINW vs RGNX — 直观对比
营收规模更大
FINW
是对方的1.4倍
$30.3M
净利率更高
FINW
高出227.7%
-221.3%
两年增速更快
FINW
近两年复合增速
39.4%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $42.7M | $30.3M |
| 净利润 | $2.7M | $-67.1M |
| 毛利率 | — | — |
| 营业利润率 | — | -190.0% |
| 净利率 | 6.4% | -221.3% |
| 营收同比 | — | 43.0% |
| 净利润同比 | — | -31.2% |
| 每股收益（稀释后） | $0.20 | $-1.30 |
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FINWRGNX
| Q1 26 | $42.7M | — | ||
| Q4 25 | $46.9M | $30.3M | ||
| Q3 25 | $36.7M | $29.7M | ||
| Q2 25 | $25.1M | $21.4M | ||
| Q1 25 | $22.1M | $89.0M | ||
| Q4 24 | $21.1M | $21.2M | ||
| Q3 24 | $20.8M | $24.2M | ||
| Q2 24 | $19.8M | $22.3M |
净利润FINWRGNX
| Q1 26 | $2.7M | — | ||
| Q4 25 | $3.9M | $-67.1M | ||
| Q3 25 | $4.9M | $-61.9M | ||
| Q2 25 | $4.1M | $-70.9M | ||
| Q1 25 | $3.2M | $6.1M | ||
| Q4 24 | $2.8M | $-51.2M | ||
| Q3 24 | $3.5M | $-59.6M | ||
| Q2 24 | $3.2M | $-53.0M |
毛利率FINWRGNX
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 70.2% | ||
| Q3 24 | — | 48.8% | ||
| Q2 24 | — | 52.5% |
营业利润率FINWRGNX
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | -190.0% | ||
| Q3 25 | 17.5% | -176.3% | ||
| Q2 25 | 21.7% | -296.3% | ||
| Q1 25 | 20.1% | 13.6% | ||
| Q4 24 | 17.5% | -242.1% | ||
| Q3 24 | 22.2% | -256.6% | ||
| Q2 24 | 21.1% | -251.3% |
净利率FINWRGNX
| Q1 26 | 6.4% | — | ||
| Q4 25 | 8.4% | -221.3% | ||
| Q3 25 | 13.3% | -208.3% | ||
| Q2 25 | 16.3% | -331.8% | ||
| Q1 25 | 14.4% | 6.8% | ||
| Q4 24 | 13.2% | -241.3% | ||
| Q3 24 | 16.6% | -246.3% | ||
| Q2 24 | 16.1% | -237.7% |
每股收益（稀释后）FINWRGNX
| Q1 26 | $0.20 | — | ||
| Q4 25 | $0.27 | $-1.30 | ||
| Q3 25 | $0.34 | $-1.20 | ||
| Q2 25 | $0.29 | $-1.38 | ||
| Q1 25 | $0.23 | $0.12 | ||
| Q4 24 | $0.19 | $-0.99 | ||
| Q3 24 | $0.25 | $-1.17 | ||
| Q2 24 | $0.24 | $-1.05 |
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 | — | $230.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $196.6M | $102.7M |
| 总资产 | $899.4M | $453.0M |
| 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FINWRGNX
| Q1 26 | — | — | ||
| Q4 25 | $163.4M | $230.1M | ||
| Q3 25 | $105.6M | $274.2M | ||
| Q2 25 | $90.1M | $323.3M | ||
| Q1 25 | $120.3M | $267.9M | ||
| Q4 24 | $109.2M | $234.7M | ||
| Q3 24 | $85.8M | $255.5M | ||
| Q2 24 | $89.0M | $290.4M |
股东权益FINWRGNX
| Q1 26 | $196.6M | — | ||
| Q4 25 | $193.2M | $102.7M | ||
| Q3 25 | $187.8M | $161.5M | ||
| Q2 25 | $182.0M | $213.7M | ||
| Q1 25 | $177.4M | $274.2M | ||
| Q4 24 | $173.7M | $259.7M | ||
| Q3 24 | $170.4M | $301.4M | ||
| Q2 24 | $165.8M | $348.3M |
总资产FINWRGNX
| Q1 26 | $899.4M | — | ||
| Q4 25 | $977.1M | $453.0M | ||
| Q3 25 | $899.9M | $525.2M | ||
| Q2 25 | $842.5M | $581.0M | ||
| Q1 25 | $804.1M | $490.9M | ||
| Q4 24 | $746.0M | $466.0M | ||
| Q3 24 | $683.0M | $519.1M | ||
| Q2 24 | $617.8M | $569.4M |
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 | — | $-52.3M |
| 自由现金流经营现金流 - 资本支出 | — | $-52.8M |
| 自由现金流率自由现金流/营收 | — | -174.0% |
| 资本支出强度资本支出/营收 | — | 1.7% |
| 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 | — | $-126.4M |
8季度趋势，按日历期对齐
经营现金流FINWRGNX
| Q1 26 | — | — | ||
| Q4 25 | $-28.4M | $-52.3M | ||
| Q3 25 | $3.5M | $-56.0M | ||
| Q2 25 | $-18.3M | $-49.3M | ||
| Q1 25 | $-21.6M | $33.6M | ||
| Q4 24 | $-15.0M | $-31.6M | ||
| Q3 24 | $-9.8M | $-40.5M | ||
| Q2 24 | $-7.6M | $-45.5M |
自由现金流FINWRGNX
| Q1 26 | — | — | ||
| Q4 25 | $-28.6M | $-52.8M | ||
| Q3 25 | $3.4M | $-56.5M | ||
| Q2 25 | $-19.8M | $-49.7M | ||
| Q1 25 | $-23.3M | $32.6M | ||
| Q4 24 | $-16.1M | $-32.7M | ||
| Q3 24 | $-13.4M | $-40.9M | ||
| Q2 24 | $-7.7M | $-46.0M |
自由现金流率FINWRGNX
| Q1 26 | — | — | ||
| Q4 25 | -61.1% | -174.0% | ||
| Q3 25 | 9.4% | -189.9% | ||
| Q2 25 | -79.0% | -232.8% | ||
| Q1 25 | -105.3% | 36.6% | ||
| Q4 24 | -76.0% | -154.2% | ||
| Q3 24 | -64.3% | -168.9% | ||
| Q2 24 | -38.7% | -206.2% |
资本支出强度FINWRGNX
| Q1 26 | — | — | ||
| Q4 25 | 0.5% | 1.7% | ||
| Q3 25 | 0.1% | 1.7% | ||
| Q2 25 | 5.8% | 1.8% | ||
| Q1 25 | 7.4% | 1.2% | ||
| Q4 24 | 5.1% | 5.1% | ||
| Q3 24 | 17.2% | 1.3% | ||
| Q2 24 | 0.3% | 2.1% |
现金转化率FINWRGNX
| Q1 26 | — | — | ||
| Q4 25 | -7.26× | — | ||
| Q3 25 | 0.71× | — | ||
| Q2 25 | -4.48× | — | ||
| Q1 25 | -6.78× | 5.53× | ||
| 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% |
RGNX
| Novartis Gene Therapies | $24.2M | 80% |
| Nippon Shinyaku Collaboration And License Agreement | $4.3M | 14% |
| Nippon Shinyaku Services | $1.4M | 5% |
