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FIRST MERCHANTS CORP（FRME）与Ribbon Communications Inc.（RBBN）财务数据对比。点击上方公司名可切换其他公司
Ribbon Communications Inc.的季度营收约是FIRST MERCHANTS CORP的1.0倍（$162.6M vs $157.1M），Ribbon Communications Inc.净利率更高（54.8% vs 17.9%，领先36.9%），过去两年FIRST MERCHANTS CORP的营收复合增速更高（-0.9% vs -8.1%）
第一商人集团是总部位于美国印第安纳州曼西的金融控股公司，业务覆盖印第安纳州中部地区，旗下拥有第一商人银行、第一商人私人财富顾问两大板块，在纳斯达克上市，股票代码为FRME。截至2023年3月，集团总资产达182亿美元，为客户提供商业银行、个人银行及投资顾问服务。
睿宾通信公司（Ribbon Communications Inc.）主要为电信运营商、企业及关键基础设施领域提供软件、IP与光网络解决方案。公司于2017年由Genband与Sonus Networks合并成立，总部位于美国得克萨斯州普莱诺，是一家上市科技企业。
FRME vs RBBN — 直观对比
营收规模更大
RBBN
是对方的1.0倍
$157.1M
净利率更高
RBBN
高出36.9%
17.9%
两年增速更快
FRME
近两年复合增速
-8.1%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $157.1M | $162.6M |
| 净利润 | $28.2M | $89.1M |
| 毛利率 | — | 42.9% |
| 营业利润率 | — | 37.6% |
| 净利率 | 17.9% | 54.8% |
| 营收同比 | — | -10.3% |
| 净利润同比 | -49.1% | — |
| 每股收益（稀释后） | $0.45 | $0.50 |
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FRMERBBN
| Q1 26 | $157.1M | $162.6M | ||
| Q4 25 | $172.2M | $227.3M | ||
| Q3 25 | $166.1M | $215.4M | ||
| Q2 25 | $164.3M | $220.6M | ||
| Q1 25 | $160.3M | $181.3M | ||
| Q4 24 | $177.1M | $251.4M | ||
| Q3 24 | $156.0M | $210.2M | ||
| Q2 24 | $159.9M | $192.6M |
净利润FRMERBBN
| Q1 26 | $28.2M | $89.1M | ||
| Q4 25 | $57.1M | — | ||
| Q3 25 | $56.8M | $-12.1M | ||
| Q2 25 | $56.8M | $-11.1M | ||
| Q1 25 | $55.3M | $-26.2M | ||
| Q4 24 | $64.3M | — | ||
| Q3 24 | $49.2M | $-13.4M | ||
| Q2 24 | $39.9M | $-16.8M |
毛利率FRMERBBN
| Q1 26 | — | 42.9% | ||
| Q4 25 | — | 53.3% | ||
| Q3 25 | — | 50.1% | ||
| Q2 25 | — | 49.6% | ||
| Q1 25 | — | 45.4% | ||
| Q4 24 | — | 55.7% | ||
| Q3 24 | — | 52.1% | ||
| Q2 24 | — | 50.8% |
营业利润率FRMERBBN
| Q1 26 | — | 37.6% | ||
| Q4 25 | 38.0% | 4.1% | ||
| Q3 25 | 39.3% | 1.3% | ||
| Q2 25 | 39.6% | 1.9% | ||
| Q1 25 | 39.4% | -10.8% | ||
| Q4 24 | 43.3% | 13.2% | ||
| Q3 24 | 36.1% | -0.4% | ||
| Q2 24 | 27.5% | -1.0% |
净利率FRMERBBN
| Q1 26 | 17.9% | 54.8% | ||
| Q4 25 | 33.1% | — | ||
| Q3 25 | 34.2% | -5.6% | ||
| Q2 25 | 34.6% | -5.0% | ||
| Q1 25 | 34.5% | -14.5% | ||
| Q4 24 | 36.3% | — | ||
| Q3 24 | 31.5% | -6.4% | ||
| Q2 24 | 25.0% | -8.7% |
每股收益（稀释后）FRMERBBN
| Q1 26 | $0.45 | $0.50 | ||
| Q4 25 | $0.98 | $0.50 | ||
| Q3 25 | $0.98 | $-0.07 | ||
| Q2 25 | $0.98 | $-0.06 | ||
| Q1 25 | $0.94 | $-0.15 | ||
| Q4 24 | $1.09 | $0.05 | ||
| Q3 24 | $0.84 | $-0.08 | ||
| Q2 24 | $0.68 | $-0.10 |
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 | — | $67.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $2.7B | $419.1M |
| 总资产 | $21.1B | — |
| 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FRMERBBN
| Q1 26 | — | $67.6M | ||
| Q4 25 | — | $96.4M | ||
| Q3 25 | — | $74.8M | ||
| Q2 25 | — | $60.5M | ||
| Q1 25 | — | $71.2M | ||
| Q4 24 | — | $87.8M | ||
| Q3 24 | — | $37.2M | ||
| Q2 24 | — | $64.6M |
总债务FRMERBBN
| Q1 26 | — | — | ||
| Q4 25 | — | $342.1M | ||
| Q3 25 | — | $344.3M | ||
| Q2 25 | — | $346.5M | ||
| Q1 25 | — | $347.4M | ||
| Q4 24 | — | $348.3M | ||
| Q3 24 | — | $349.1M | ||
| Q2 24 | — | $350.0M |
股东权益FRMERBBN
| Q1 26 | $2.7B | $419.1M | ||
| Q4 25 | $2.5B | $449.0M | ||
| Q3 25 | $2.4B | $360.1M | ||
| Q2 25 | $2.3B | $370.4M | ||
| Q1 25 | $2.3B | $381.8M | ||
| Q4 24 | $2.3B | $404.6M | ||
| Q3 24 | $2.3B | $395.5M | ||
| Q2 24 | $2.2B | $405.0M |
总资产FRMERBBN
| Q1 26 | $21.1B | — | ||
| Q4 25 | $19.0B | $1.2B | ||
| Q3 25 | $18.8B | $1.1B | ||
| Q2 25 | $18.6B | $1.1B | ||
| Q1 25 | $18.4B | $1.1B | ||
| Q4 24 | $18.3B | $1.2B | ||
| Q3 24 | $18.3B | $1.1B | ||
| Q2 24 | $18.3B | $1.1B |
负债/权益比FRMERBBN
| Q1 26 | — | — | ||
| Q4 25 | — | 0.76× | ||
| Q3 25 | — | 0.96× | ||
| Q2 25 | — | 0.94× | ||
| Q1 25 | — | 0.91× | ||
| Q4 24 | — | 0.86× | ||
| Q3 24 | — | 0.88× | ||
| Q2 24 | — | 0.86× |
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
FRME
| Net Interest Income | $151.3M | 96% |
| Noninterest Income | $5.8M | 4% |
RBBN
| Service | $94.5M | 58% |
| Product | $68.1M | 42% |
