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Finwise Bancorp（FINW）与RCI HOSPITALITY HOLDINGS, INC.（RICK）财务数据对比。点击上方公司名可切换其他公司
RCI HOSPITALITY HOLDINGS, INC.的季度营收约是Finwise Bancorp的1.7倍（$70.9M vs $42.7M），Finwise Bancorp净利率更高（6.4% vs -7.8%，领先14.2%），过去两年Finwise Bancorp的营收复合增速更高（47.0% vs -2.0%）
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。
RCI Hospitality控股通过子公司经营脱衣舞俱乐部、夜总会、运动酒吧与餐厅，同时还运营一家为成人俱乐部行业提供服务的传媒会展企业。公司于1995年完成首次公开募股上市，目前在纳斯达克全球市场挂牌交易。
FINW vs RICK — 直观对比
营收规模更大
RICK
是对方的1.7倍
$42.7M
净利率更高
FINW
高出14.2%
-7.8%
两年增速更快
FINW
近两年复合增速
-2.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $42.7M | $70.9M |
| 净利润 | $2.7M | $-5.5M |
| 毛利率 | — | — |
| 营业利润率 | — | -0.7% |
| 净利率 | 6.4% | -7.8% |
| 营收同比 | — | -3.1% |
| 净利润同比 | — | -2354.9% |
| 每股收益（稀释后） | $0.20 | $-0.60 |
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FINWRICK
| Q1 26 | $42.7M | — | ||
| Q4 25 | $46.9M | — | ||
| Q3 25 | $36.7M | $70.9M | ||
| Q2 25 | $25.1M | $71.1M | ||
| Q1 25 | $22.1M | $65.9M | ||
| Q4 24 | $21.1M | $71.5M | ||
| Q3 24 | $20.8M | $73.2M | ||
| Q2 24 | $19.8M | $76.2M |
净利润FINWRICK
| Q1 26 | $2.7M | — | ||
| Q4 25 | $3.9M | — | ||
| Q3 25 | $4.9M | $-5.5M | ||
| Q2 25 | $4.1M | $4.1M | ||
| Q1 25 | $3.2M | $3.2M | ||
| Q4 24 | $2.8M | $9.0M | ||
| Q3 24 | $3.5M | $244.0K | ||
| Q2 24 | $3.2M | $-5.2M |
营业利润率FINWRICK
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | — | ||
| Q3 25 | 17.5% | -0.7% | ||
| Q2 25 | 21.7% | 12.2% | ||
| Q1 25 | 20.1% | 12.4% | ||
| Q4 24 | 17.5% | 19.5% | ||
| Q3 24 | 22.2% | 4.8% | ||
| Q2 24 | 21.1% | -3.3% |
净利率FINWRICK
| Q1 26 | 6.4% | — | ||
| Q4 25 | 8.4% | — | ||
| Q3 25 | 13.3% | -7.8% | ||
| Q2 25 | 16.3% | 5.7% | ||
| Q1 25 | 14.4% | 4.9% | ||
| Q4 24 | 13.2% | 12.6% | ||
| Q3 24 | 16.6% | 0.3% | ||
| Q2 24 | 16.1% | -6.9% |
每股收益（稀释后）FINWRICK
| Q1 26 | $0.20 | — | ||
| Q4 25 | $0.27 | — | ||
| Q3 25 | $0.34 | $-0.60 | ||
| Q2 25 | $0.29 | $0.46 | ||
| Q1 25 | $0.23 | $0.36 | ||
| Q4 24 | $0.19 | $1.01 | ||
| Q3 24 | $0.25 | $0.04 | ||
| Q2 24 | $0.24 | $-0.56 |
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 | — | $33.7M |
| 总债务越低越好 | — | $238.2M |
| 股东权益账面价值 | $196.6M | $261.1M |
| 总资产 | $899.4M | $596.9M |
| 负债/权益比越低杠杆越低 | — | 0.91× |
8季度趋势，按日历期对齐
现金及短期投资FINWRICK
| Q1 26 | — | — | ||
| Q4 25 | $163.4M | — | ||
| Q3 25 | $105.6M | $33.7M | ||
| Q2 25 | $90.1M | $29.3M | ||
| Q1 25 | $120.3M | $32.7M | ||
| Q4 24 | $109.2M | $34.7M | ||
| Q3 24 | $85.8M | $32.4M | ||
| Q2 24 | $89.0M | $34.9M |
总债务FINWRICK
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $238.2M | ||
| Q2 25 | — | $243.8M | ||
| Q1 25 | — | $244.1M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $241.1M | ||
| Q2 24 | — | — |
股东权益FINWRICK
| Q1 26 | $196.6M | — | ||
| Q4 25 | $193.2M | — | ||
| Q3 25 | $187.8M | $261.1M | ||
| Q2 25 | $182.0M | $269.5M | ||
| Q1 25 | $177.4M | $268.8M | ||
| Q4 24 | $173.7M | $269.0M | ||
| Q3 24 | $170.4M | $263.4M | ||
| Q2 24 | $165.8M | $271.2M |
总资产FINWRICK
| Q1 26 | $899.4M | — | ||
| Q4 25 | $977.1M | — | ||
| Q3 25 | $899.9M | $596.9M | ||
| Q2 25 | $842.5M | $597.4M | ||
| Q1 25 | $804.1M | $589.8M | ||
| Q4 24 | $746.0M | $586.2M | ||
| Q3 24 | $683.0M | $584.4M | ||
| Q2 24 | $617.8M | $601.0M |
负债/权益比FINWRICK
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 0.91× | ||
| Q2 25 | — | 0.90× | ||
| Q1 25 | — | 0.91× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.92× | ||
| Q2 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 | — | $13.7M |
| 自由现金流经营现金流 - 资本支出 | — | $11.5M |
| 自由现金流率自由现金流/营收 | — | 16.2% |
| 资本支出强度资本支出/营收 | — | 3.2% |
| 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 | — | $34.9M |
8季度趋势，按日历期对齐
经营现金流FINWRICK
| Q1 26 | — | — | ||
| Q4 25 | $-28.4M | — | ||
| Q3 25 | $3.5M | $13.7M | ||
| Q2 25 | $-18.3M | $13.8M | ||
| Q1 25 | $-21.6M | $8.5M | ||
| Q4 24 | $-15.0M | $13.3M | ||
| Q3 24 | $-9.8M | $15.7M | ||
| Q2 24 | $-7.6M | $15.8M |
自由现金流FINWRICK
| Q1 26 | — | — | ||
| Q4 25 | $-28.6M | — | ||
| Q3 25 | $3.4M | $11.5M | ||
| Q2 25 | $-19.8M | $10.1M | ||
| Q1 25 | $-23.3M | $5.7M | ||
| Q4 24 | $-16.1M | $7.6M | ||
| Q3 24 | $-13.4M | $10.3M | ||
| Q2 24 | $-7.7M | $9.3M |
自由现金流率FINWRICK
| Q1 26 | — | — | ||
| Q4 25 | -61.1% | — | ||
| Q3 25 | 9.4% | 16.2% | ||
| Q2 25 | -79.0% | 14.2% | ||
| Q1 25 | -105.3% | 8.6% | ||
| Q4 24 | -76.0% | 10.6% | ||
| Q3 24 | -64.3% | 14.0% | ||
| Q2 24 | -38.7% | 12.3% |
资本支出强度FINWRICK
| Q1 26 | — | — | ||
| Q4 25 | 0.5% | — | ||
| Q3 25 | 0.1% | 3.2% | ||
| Q2 25 | 5.8% | 5.2% | ||
| Q1 25 | 7.4% | 4.3% | ||
| Q4 24 | 5.1% | 8.0% | ||
| Q3 24 | 17.2% | 7.3% | ||
| Q2 24 | 0.3% | 8.4% |
现金转化率FINWRICK
| Q1 26 | — | — | ||
| Q4 25 | -7.26× | — | ||
| Q3 25 | 0.71× | — | ||
| Q2 25 | -4.48× | 3.40× | ||
| Q1 25 | -6.78× | 2.65× | ||
| Q4 24 | -5.37× | 1.48× | ||
| Q3 24 | -2.84× | 64.14× | ||
| 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% |
RICK
| Transferred At Point In Time | $60.8M | 86% |
| Food And Merchandise | $10.4M | 15% |
