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FS Bancorp, Inc.（FSBW）与Repay Holdings Corp（RPAY）财务数据对比。点击上方公司名可切换其他公司
Repay Holdings Corp的季度营收约是FS Bancorp, Inc.的2.0倍（$78.6M vs $40.0M），FS Bancorp, Inc.同比增速更快（12.0% vs 0.4%），FS Bancorp, Inc.自由现金流更多（$51.9M vs $23.2M），过去两年FS Bancorp, Inc.的营收复合增速更高（6.2% vs -1.3%）
FS Bancorp, Inc.是总部位于美国的银行控股公司，为华盛顿第一安全银行的母公司，主要面向美国太平洋西北地区客户提供各类个人及商业银行服务，包括存款产品、住房贷款、小微企业融资、建筑贷款等，核心业务涵盖零售银行、商业银行及住房信贷三大板块。
Repay Holdings Corp是一家聚焦北美市场的支付技术服务商，为零售、医疗、汽车服务、电商等领域的企业提供整合支付处理方案，涵盖银行卡收单、ACH转账、POS系统集成等数字化支付工具，助力客户简化交易流程、提升运营效率。
FSBW vs RPAY — 直观对比
营收规模更大
RPAY
是对方的2.0倍
$40.0M
营收增速更快
FSBW
高出11.6%
0.4%
自由现金流更多
FSBW
多$28.7M
$23.2M
两年增速更快
FSBW
近两年复合增速
-1.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $40.0M | $78.6M |
| 净利润 | — | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 25.8% | -182.2% |
| 净利率 | — | -178.3% |
| 营收同比 | 12.0% | 0.4% |
| 净利润同比 | — | -3304.1% |
| 每股收益（稀释后） | $1.11 | $-1.68 |
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FSBWRPAY
| Q4 25 | $40.0M | $78.6M | ||
| Q3 25 | $39.3M | $77.7M | ||
| Q2 25 | $37.3M | $75.6M | ||
| Q1 25 | $36.1M | $77.3M | ||
| Q4 24 | $35.7M | $78.3M | ||
| Q3 24 | $37.2M | $79.1M | ||
| Q2 24 | $36.3M | $74.9M | ||
| Q1 24 | $35.5M | $80.7M |
净利润FSBWRPAY
| Q4 25 | — | $-140.1M | ||
| Q3 25 | $9.2M | $-6.4M | ||
| Q2 25 | $7.7M | $-102.3M | ||
| Q1 25 | $8.0M | $-7.9M | ||
| Q4 24 | — | $-4.1M | ||
| Q3 24 | $10.3M | $3.2M | ||
| Q2 24 | $9.0M | $-4.1M | ||
| Q1 24 | $8.4M | $-5.2M |
毛利率FSBWRPAY
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% | ||
| Q1 24 | — | 76.2% |
营业利润率FSBWRPAY
| Q4 25 | 25.8% | -182.2% | ||
| Q3 25 | 29.5% | -3.9% | ||
| Q2 25 | 26.2% | -138.7% | ||
| Q1 25 | 26.2% | -4.7% | ||
| Q4 24 | 27.6% | -1.5% | ||
| Q3 24 | 26.5% | -0.9% | ||
| Q2 24 | 31.3% | -4.6% | ||
| Q1 24 | 29.7% | -3.1% |
净利率FSBWRPAY
| Q4 25 | — | -178.3% | ||
| Q3 25 | 23.4% | -8.3% | ||
| Q2 25 | 20.7% | -135.2% | ||
| Q1 25 | 22.2% | -10.3% | ||
| Q4 24 | — | -5.3% | ||
| Q3 24 | 27.6% | 4.1% | ||
| Q2 24 | 24.7% | -5.4% | ||
| Q1 24 | 23.7% | -6.5% |
每股收益（稀释后）FSBWRPAY
| Q4 25 | $1.11 | $-1.68 | ||
| Q3 25 | $1.18 | $-0.08 | ||
| Q2 25 | $0.99 | $-1.15 | ||
| Q1 25 | $1.01 | $-0.09 | ||
| Q4 24 | $0.88 | $-0.04 | ||
| Q3 24 | $1.29 | $0.03 | ||
| Q2 24 | $1.13 | $-0.04 | ||
| Q1 24 | $1.06 | $-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 | $28.2M | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $307.7M | $484.4M |
| 总资产 | $3.2B | $1.2B |
| 负债/权益比越低杠杆越低 | — | 0.58× |
8季度趋势，按日历期对齐
现金及短期投资FSBWRPAY
| Q4 25 | $28.2M | $115.7M | ||
| Q3 25 | $61.3M | $95.7M | ||
| Q2 25 | $33.2M | $162.6M | ||
| Q1 25 | $62.7M | $165.5M | ||
| Q4 24 | $31.6M | $189.5M | ||
| Q3 24 | $40.3M | $168.7M | ||
| Q2 24 | $33.0M | $147.1M | ||
| Q1 24 | $45.4M | $128.3M |
总债务FSBWRPAY
| Q4 25 | — | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | — | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M | ||
| Q1 24 | — | $434.9M |
股东权益FSBWRPAY
| Q4 25 | $307.7M | $484.4M | ||
| Q3 25 | $300.5M | $616.9M | ||
| Q2 25 | $297.2M | $633.7M | ||
| Q1 25 | $298.8M | $755.7M | ||
| Q4 24 | $295.8M | $761.3M | ||
| Q3 24 | $288.9M | $754.7M | ||
| Q2 24 | $284.0M | $815.4M | ||
| Q1 24 | $277.9M | $813.8M |
总资产FSBWRPAY
| Q4 25 | $3.2B | $1.2B | ||
| Q3 25 | $3.2B | $1.3B | ||
| Q2 25 | $3.2B | $1.4B | ||
| Q1 25 | $3.1B | $1.5B | ||
| Q4 24 | $3.0B | $1.6B | ||
| Q3 24 | $3.0B | $1.6B | ||
| Q2 24 | $2.9B | $1.5B | ||
| Q1 24 | $3.0B | $1.5B |
负债/权益比FSBWRPAY
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× | ||
| Q1 24 | — | 0.53× |
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 | $72.3M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $51.9M | $23.2M |
| 自由现金流率自由现金流/营收 | 129.8% | 29.6% |
| 资本支出强度资本支出/营收 | 50.9% | 0.1% |
| 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 | $107.2M | $90.7M |
8季度趋势，按日历期对齐
经营现金流FSBWRPAY
| Q4 25 | $72.3M | $23.3M | ||
| Q3 25 | $44.6M | $32.2M | ||
| Q2 25 | $7.1M | $33.1M | ||
| Q1 25 | $8.2M | $2.5M | ||
| Q4 24 | $50.8M | $34.3M | ||
| Q3 24 | $-891.0K | $60.1M | ||
| Q2 24 | $9.9M | $31.0M | ||
| Q1 24 | $275.0K | $24.8M |
自由现金流FSBWRPAY
| Q4 25 | $51.9M | $23.2M | ||
| Q3 25 | $41.6M | $32.1M | ||
| Q2 25 | $5.9M | $33.0M | ||
| Q1 25 | $7.8M | $2.4M | ||
| Q4 24 | $49.2M | $34.0M | ||
| Q3 24 | $-1.5M | $59.8M | ||
| Q2 24 | $9.6M | $30.5M | ||
| Q1 24 | $-82.0K | $24.7M |
自由现金流率FSBWRPAY
| Q4 25 | 129.8% | 29.6% | ||
| Q3 25 | 105.9% | 41.3% | ||
| Q2 25 | 15.7% | 43.6% | ||
| Q1 25 | 21.7% | 3.0% | ||
| Q4 24 | 137.7% | 43.5% | ||
| Q3 24 | -4.1% | 75.6% | ||
| Q2 24 | 26.6% | 40.7% | ||
| Q1 24 | -0.2% | 30.6% |
资本支出强度FSBWRPAY
| Q4 25 | 50.9% | 0.1% | ||
| Q3 25 | 7.7% | 0.2% | ||
| Q2 25 | 3.5% | 0.1% | ||
| Q1 25 | 1.0% | 0.2% | ||
| Q4 24 | 4.6% | 0.3% | ||
| Q3 24 | 1.7% | 0.3% | ||
| Q2 24 | 0.8% | 0.6% | ||
| Q1 24 | 1.0% | 0.1% |
现金转化率FSBWRPAY
| Q4 25 | — | — | ||
| Q3 25 | 4.86× | — | ||
| Q2 25 | 0.92× | — | ||
| Q1 25 | 1.02× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | -0.09× | 18.52× | ||
| Q2 24 | 1.11× | — | ||
| Q1 24 | 0.03× | — |
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
FSBW
暂无分部数据
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
