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Finwise Bancorp（FINW）与RE/MAX Holdings, Inc.（RMAX）财务数据对比。点击上方公司名可切换其他公司
RE/MAX Holdings, Inc.的季度营收约是Finwise Bancorp的1.7倍（$71.1M vs $42.7M），Finwise Bancorp净利率更高（6.4% vs 2.0%，领先4.4%），过去两年Finwise Bancorp的营收复合增速更高（47.0% vs -4.7%）
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。
RE/MAX是全球知名的房地产特许经营机构，业务遍布全球一百多个国家和地区，旗下拥有数千家门店，总计超过十万名房产经纪人，在国际房产中介领域拥有极高的品牌知名度与市场影响力。
FINW vs RMAX — 直观对比
营收规模更大
RMAX
是对方的1.7倍
$42.7M
净利率更高
FINW
高出4.4%
2.0%
两年增速更快
FINW
近两年复合增速
-4.7%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $42.7M | $71.1M |
| 净利润 | $2.7M | $1.4M |
| 毛利率 | — | — |
| 营业利润率 | — | 13.1% |
| 净利率 | 6.4% | 2.0% |
| 营收同比 | — | -1.8% |
| 净利润同比 | — | -75.2% |
| 每股收益（稀释后） | $0.20 | — |
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FINWRMAX
| Q1 26 | $42.7M | — | ||
| Q4 25 | $46.9M | $71.1M | ||
| Q3 25 | $36.7M | $73.2M | ||
| Q2 25 | $25.1M | $72.8M | ||
| Q1 25 | $22.1M | $74.5M | ||
| Q4 24 | $21.1M | $72.5M | ||
| Q3 24 | $20.8M | $78.5M | ||
| Q2 24 | $19.8M | $78.5M |
净利润FINWRMAX
| Q1 26 | $2.7M | — | ||
| Q4 25 | $3.9M | $1.4M | ||
| Q3 25 | $4.9M | $4.0M | ||
| Q2 25 | $4.1M | $4.7M | ||
| Q1 25 | $3.2M | $-2.0M | ||
| Q4 24 | $2.8M | $5.8M | ||
| Q3 24 | $3.5M | $966.0K | ||
| Q2 24 | $3.2M | $3.7M |
营业利润率FINWRMAX
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | 13.1% | ||
| Q3 25 | 17.5% | 25.0% | ||
| Q2 25 | 21.7% | 19.3% | ||
| Q1 25 | 20.1% | 7.2% | ||
| Q4 24 | 17.5% | 5.9% | ||
| Q3 24 | 22.2% | 19.4% | ||
| Q2 24 | 21.1% | 20.6% |
净利率FINWRMAX
| Q1 26 | 6.4% | — | ||
| Q4 25 | 8.4% | 2.0% | ||
| Q3 25 | 13.3% | 5.4% | ||
| Q2 25 | 16.3% | 6.4% | ||
| Q1 25 | 14.4% | -2.6% | ||
| Q4 24 | 13.2% | 8.0% | ||
| Q3 24 | 16.6% | 1.2% | ||
| Q2 24 | 16.1% | 4.7% |
每股收益（稀释后）FINWRMAX
| Q1 26 | $0.20 | — | ||
| Q4 25 | $0.27 | — | ||
| Q3 25 | $0.34 | — | ||
| Q2 25 | $0.29 | — | ||
| Q1 25 | $0.23 | — | ||
| Q4 24 | $0.19 | — | ||
| Q3 24 | $0.25 | — | ||
| Q2 24 | $0.24 | — |
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 | — | $118.7M |
| 总债务越低越好 | — | $432.2M |
| 股东权益账面价值 | $196.6M | $452.4M |
| 总资产 | $899.4M | $582.5M |
| 负债/权益比越低杠杆越低 | — | 0.96× |
8季度趋势，按日历期对齐
现金及短期投资FINWRMAX
| Q1 26 | — | — | ||
| Q4 25 | $163.4M | $118.7M | ||
| Q3 25 | $105.6M | $107.5M | ||
| Q2 25 | $90.1M | $94.3M | ||
| Q1 25 | $120.3M | $89.1M | ||
| Q4 24 | $109.2M | $96.6M | ||
| Q3 24 | $85.8M | $83.8M | ||
| Q2 24 | $89.0M | $66.1M |
总债务FINWRMAX
| Q1 26 | — | — | ||
| Q4 25 | — | $432.2M | ||
| Q3 25 | — | $433.3M | ||
| Q2 25 | — | $434.4M | ||
| Q1 25 | — | $435.3M | ||
| Q4 24 | — | $436.2M | ||
| Q3 24 | — | $437.2M | ||
| Q2 24 | — | $438.1M |
股东权益FINWRMAX
| Q1 26 | $196.6M | — | ||
| Q4 25 | $193.2M | $452.4M | ||
| Q3 25 | $187.8M | $448.1M | ||
| Q2 25 | $182.0M | $442.4M | ||
| Q1 25 | $177.4M | $433.5M | ||
| Q4 24 | $173.7M | $429.5M | ||
| Q3 24 | $170.4M | $423.1M | ||
| Q2 24 | $165.8M | $418.4M |
总资产FINWRMAX
| Q1 26 | $899.4M | — | ||
| Q4 25 | $977.1M | $582.5M | ||
| Q3 25 | $899.9M | $582.2M | ||
| Q2 25 | $842.5M | $574.8M | ||
| Q1 25 | $804.1M | $571.4M | ||
| Q4 24 | $746.0M | $581.6M | ||
| Q3 24 | $683.0M | $578.6M | ||
| Q2 24 | $617.8M | $571.4M |
负债/权益比FINWRMAX
| Q1 26 | — | — | ||
| Q4 25 | — | 0.96× | ||
| Q3 25 | — | 0.97× | ||
| Q2 25 | — | 0.98× | ||
| Q1 25 | — | 1.00× | ||
| Q4 24 | — | 1.02× | ||
| Q3 24 | — | 1.03× | ||
| Q2 24 | — | 1.05× |
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 | — | $40.9M |
| 自由现金流经营现金流 - 资本支出 | — | $33.5M |
| 自由现金流率自由现金流/营收 | — | 47.1% |
| 资本支出强度资本支出/营收 | — | 10.4% |
| 现金转化率经营现金流/净利润 | — | 28.39× |
| 过去12个月自由现金流最近4个季度 | — | $56.8M |
8季度趋势，按日历期对齐
经营现金流FINWRMAX
| Q1 26 | — | — | ||
| Q4 25 | $-28.4M | $40.9M | ||
| Q3 25 | $3.5M | $17.7M | ||
| Q2 25 | $-18.3M | $4.6M | ||
| Q1 25 | $-21.6M | $5.7M | ||
| Q4 24 | $-15.0M | $59.7M | ||
| Q3 24 | $-9.8M | $17.6M | ||
| Q2 24 | $-7.6M | $15.9M |
自由现金流FINWRMAX
| Q1 26 | — | — | ||
| Q4 25 | $-28.6M | $33.5M | ||
| Q3 25 | $3.4M | $16.4M | ||
| Q2 25 | $-19.8M | $2.9M | ||
| Q1 25 | $-23.3M | $4.0M | ||
| Q4 24 | $-16.1M | $53.0M | ||
| Q3 24 | $-13.4M | $16.3M | ||
| Q2 24 | $-7.7M | $14.0M |
自由现金流率FINWRMAX
| Q1 26 | — | — | ||
| Q4 25 | -61.1% | 47.1% | ||
| Q3 25 | 9.4% | 22.4% | ||
| Q2 25 | -79.0% | 4.0% | ||
| Q1 25 | -105.3% | 5.3% | ||
| Q4 24 | -76.0% | 73.2% | ||
| Q3 24 | -64.3% | 20.8% | ||
| Q2 24 | -38.7% | 17.8% |
资本支出强度FINWRMAX
| Q1 26 | — | — | ||
| Q4 25 | 0.5% | 10.4% | ||
| Q3 25 | 0.1% | 1.8% | ||
| Q2 25 | 5.8% | 2.2% | ||
| Q1 25 | 7.4% | 2.3% | ||
| Q4 24 | 5.1% | 9.1% | ||
| Q3 24 | 17.2% | 1.7% | ||
| Q2 24 | 0.3% | 2.4% |
现金转化率FINWRMAX
| Q1 26 | — | — | ||
| Q4 25 | -7.26× | 28.39× | ||
| Q3 25 | 0.71× | 4.45× | ||
| Q2 25 | -4.48× | 0.97× | ||
| Q1 25 | -6.78× | — | ||
| Q4 24 | -5.37× | 10.28× | ||
| Q3 24 | -2.84× | 18.22× | ||
| Q2 24 | -2.39× | 4.29× |
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% |
RMAX
| Franchising Segment | $50.1M | 70% |
| Broker Fees | $13.9M | 20% |
| Annual Dues | $7.4M | 10% |
