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Finwise Bancorp（FINW）与RIGEL PHARMACEUTICALS INC（RIGL）财务数据对比。点击上方公司名可切换其他公司
RIGEL PHARMACEUTICALS INC的季度营收约是Finwise Bancorp的1.6倍（$69.8M vs $42.7M），RIGEL PHARMACEUTICALS INC净利率更高（384.0% vs 6.4%，领先377.6%），过去两年RIGEL PHARMACEUTICALS INC的营收复合增速更高（53.7% vs 47.0%）
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。
Rigel制药是一家临床阶段生物技术企业，专注于研发及商业化针对自身免疫性疾病、炎症性疾病与血液疾病的靶向小分子疗法，核心市场位于美国，旗下已获批产品可治疗成人免疫性血小板减少症，致力于满足未被覆盖的临床医疗需求。
FINW vs RIGL — 直观对比
营收规模更大
RIGL
是对方的1.6倍
$42.7M
净利率更高
RIGL
高出377.6%
6.4%
两年增速更快
RIGL
近两年复合增速
47.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $42.7M | $69.8M |
| 净利润 | $2.7M | $268.1M |
| 毛利率 | — | 91.5% |
| 营业利润率 | — | 33.2% |
| 净利率 | 6.4% | 384.0% |
| 营收同比 | — | 21.2% |
| 净利润同比 | — | 1769.2% |
| 每股收益（稀释后） | $0.20 | $14.11 |
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FINWRIGL
| Q1 26 | $42.7M | — | ||
| Q4 25 | $46.9M | $69.8M | ||
| Q3 25 | $36.7M | $69.5M | ||
| Q2 25 | $25.1M | $101.7M | ||
| Q1 25 | $22.1M | $53.3M | ||
| Q4 24 | $21.1M | $57.6M | ||
| Q3 24 | $20.8M | $55.3M | ||
| Q2 24 | $19.8M | $36.8M |
净利润FINWRIGL
| Q1 26 | $2.7M | — | ||
| Q4 25 | $3.9M | $268.1M | ||
| Q3 25 | $4.9M | $27.9M | ||
| Q2 25 | $4.1M | $59.6M | ||
| Q1 25 | $3.2M | $11.4M | ||
| Q4 24 | $2.8M | $14.3M | ||
| Q3 24 | $3.5M | $12.4M | ||
| Q2 24 | $3.2M | $-1.0M |
毛利率FINWRIGL
| Q1 26 | — | — | ||
| Q4 25 | — | 91.5% | ||
| Q3 25 | — | 93.2% | ||
| Q2 25 | — | 95.6% | ||
| Q1 25 | — | 91.7% | ||
| Q4 24 | — | 89.9% | ||
| Q3 24 | — | 85.5% | ||
| Q2 24 | — | 92.4% |
营业利润率FINWRIGL
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | 33.2% | ||
| Q3 25 | 17.5% | 40.9% | ||
| Q2 25 | 21.7% | 60.1% | ||
| Q1 25 | 20.1% | 23.9% | ||
| Q4 24 | 17.5% | 28.9% | ||
| Q3 24 | 22.2% | 25.4% | ||
| Q2 24 | 21.1% | 1.2% |
净利率FINWRIGL
| Q1 26 | 6.4% | — | ||
| Q4 25 | 8.4% | 384.0% | ||
| Q3 25 | 13.3% | 40.2% | ||
| Q2 25 | 16.3% | 58.6% | ||
| Q1 25 | 14.4% | 21.5% | ||
| Q4 24 | 13.2% | 24.9% | ||
| Q3 24 | 16.6% | 22.5% | ||
| Q2 24 | 16.1% | -2.8% |
每股收益（稀释后）FINWRIGL
| Q1 26 | $0.20 | — | ||
| Q4 25 | $0.27 | $14.11 | ||
| Q3 25 | $0.34 | $1.46 | ||
| Q2 25 | $0.29 | $3.28 | ||
| Q1 25 | $0.23 | $0.63 | ||
| Q4 24 | $0.19 | $0.82 | ||
| Q3 24 | $0.25 | $0.70 | ||
| Q2 24 | $0.24 | $-0.06 |
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 | — | $155.0M |
| 总债务越低越好 | — | $52.5M |
| 股东权益账面价值 | $196.6M | $391.5M |
| 总资产 | $899.4M | $513.6M |
| 负债/权益比越低杠杆越低 | — | 0.13× |
8季度趋势，按日历期对齐
现金及短期投资FINWRIGL
| Q1 26 | — | — | ||
| Q4 25 | $163.4M | $155.0M | ||
| Q3 25 | $105.6M | $137.1M | ||
| Q2 25 | $90.1M | $108.4M | ||
| Q1 25 | $120.3M | $77.1M | ||
| Q4 24 | $109.2M | $77.3M | ||
| Q3 24 | $85.8M | $61.1M | ||
| Q2 24 | $89.0M | $49.1M |
总债务FINWRIGL
| Q1 26 | — | — | ||
| Q4 25 | — | $52.5M | ||
| Q3 25 | — | $60.0M | ||
| Q2 25 | — | $60.0M | ||
| Q1 25 | — | $60.0M | ||
| Q4 24 | — | $60.0M | ||
| Q3 24 | — | $60.0M | ||
| Q2 24 | — | $60.0M |
股东权益FINWRIGL
| Q1 26 | $196.6M | — | ||
| Q4 25 | $193.2M | $391.5M | ||
| Q3 25 | $187.8M | $117.6M | ||
| Q2 25 | $182.0M | $81.9M | ||
| Q1 25 | $177.4M | $18.6M | ||
| Q4 24 | $173.7M | $3.3M | ||
| Q3 24 | $170.4M | $-14.6M | ||
| Q2 24 | $165.8M | $-29.9M |
总资产FINWRIGL
| Q1 26 | $899.4M | — | ||
| Q4 25 | $977.1M | $513.6M | ||
| Q3 25 | $899.9M | $242.5M | ||
| Q2 25 | $842.5M | $206.7M | ||
| Q1 25 | $804.1M | $176.0M | ||
| Q4 24 | $746.0M | $164.0M | ||
| Q3 24 | $683.0M | $139.4M | ||
| Q2 24 | $617.8M | $128.4M |
负债/权益比FINWRIGL
| Q1 26 | — | — | ||
| Q4 25 | — | 0.13× | ||
| Q3 25 | — | 0.51× | ||
| Q2 25 | — | 0.73× | ||
| Q1 25 | — | 3.23× | ||
| Q4 24 | — | 18.25× | ||
| Q3 24 | — | — | ||
| 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 | — | $22.0M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | 0.08× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流FINWRIGL
| Q1 26 | — | — | ||
| Q4 25 | $-28.4M | $22.0M | ||
| Q3 25 | $3.5M | $24.0M | ||
| Q2 25 | $-18.3M | $30.5M | ||
| Q1 25 | $-21.6M | $-893.0K | ||
| Q4 24 | $-15.0M | $14.5M | ||
| Q3 24 | $-9.8M | $21.7M | ||
| Q2 24 | $-7.6M | $302.0K |
自由现金流FINWRIGL
| Q1 26 | — | — | ||
| Q4 25 | $-28.6M | — | ||
| Q3 25 | $3.4M | — | ||
| Q2 25 | $-19.8M | — | ||
| Q1 25 | $-23.3M | — | ||
| Q4 24 | $-16.1M | — | ||
| Q3 24 | $-13.4M | — | ||
| Q2 24 | $-7.7M | — |
自由现金流率FINWRIGL
| Q1 26 | — | — | ||
| Q4 25 | -61.1% | — | ||
| Q3 25 | 9.4% | — | ||
| Q2 25 | -79.0% | — | ||
| Q1 25 | -105.3% | — | ||
| Q4 24 | -76.0% | — | ||
| Q3 24 | -64.3% | — | ||
| Q2 24 | -38.7% | — |
资本支出强度FINWRIGL
| Q1 26 | — | — | ||
| Q4 25 | 0.5% | — | ||
| Q3 25 | 0.1% | — | ||
| Q2 25 | 5.8% | — | ||
| Q1 25 | 7.4% | — | ||
| Q4 24 | 5.1% | — | ||
| Q3 24 | 17.2% | — | ||
| Q2 24 | 0.3% | — |
现金转化率FINWRIGL
| Q1 26 | — | — | ||
| Q4 25 | -7.26× | 0.08× | ||
| Q3 25 | 0.71× | 0.86× | ||
| Q2 25 | -4.48× | 0.51× | ||
| Q1 25 | -6.78× | -0.08× | ||
| Q4 24 | -5.37× | 1.01× | ||
| Q3 24 | -2.84× | 1.75× | ||
| 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% |
RIGL
暂无分部数据
