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Fathom Holdings Inc.（FTHM）与REPUBLIC BANCORP INC（RBCAA）财务数据对比。点击上方公司名可切换其他公司
REPUBLIC BANCORP INC的季度营收约是Fathom Holdings Inc.的1.0倍（$94.3M vs $90.6M），REPUBLIC BANCORP INC净利率更高（24.2% vs -7.4%，领先31.6%），REPUBLIC BANCORP INC同比增速更快（5.3% vs -1.2%），REPUBLIC BANCORP INC自由现金流更多（$161.1M vs $-20.7M），过去两年Fathom Holdings Inc.的营收复合增速更高（13.4% vs -11.5%）
Fathom Holdings Inc.是一家总部位于美国的房地产科技与服务企业，为房产经纪人、经纪机构和消费者提供数字交易管理、按揭服务、产权保险、住宅经纪等一站式解决方案，业务覆盖美国大部分区域市场。
肯塔基州共和银行是美国的一家区域性银行控股企业，提供零售及商业银行全品类服务，涵盖个人存贷款、企业融资、按揭产品及财富管理解决方案，主要服务肯塔基州及周边州的个人消费者和中小企业客户。
FTHM vs RBCAA — 直观对比
营收规模更大
RBCAA
是对方的1.0倍
$90.6M
营收增速更快
RBCAA
高出6.6%
-1.2%
净利率更高
RBCAA
高出31.6%
-7.4%
自由现金流更多
RBCAA
多$181.8M
$-20.7M
两年增速更快
FTHM
近两年复合增速
-11.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $90.6M | $94.3M |
| 净利润 | $-6.7M | $22.8M |
| 毛利率 | — | — |
| 营业利润率 | -5.2% | 29.3% |
| 净利率 | -7.4% | 24.2% |
| 营收同比 | -1.2% | 5.3% |
| 净利润同比 | -7.7% | 20.0% |
| 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FTHMRBCAA
| Q4 25 | $90.6M | $94.3M | ||
| Q3 25 | $115.3M | $93.5M | ||
| Q2 25 | $121.4M | $93.8M | ||
| Q1 25 | $93.1M | $135.8M | ||
| Q4 24 | $91.7M | $89.5M | ||
| Q3 24 | $83.7M | $88.1M | ||
| Q2 24 | $89.2M | $86.9M | ||
| Q1 24 | $70.5M | $120.3M |
净利润FTHMRBCAA
| Q4 25 | $-6.7M | $22.8M | ||
| Q3 25 | $-4.4M | $29.7M | ||
| Q2 25 | $-3.6M | $31.5M | ||
| Q1 25 | $-5.6M | $47.3M | ||
| Q4 24 | $-6.2M | $19.0M | ||
| Q3 24 | $-8.1M | $26.5M | ||
| Q2 24 | $-1.3M | $25.2M | ||
| Q1 24 | $-5.9M | $30.6M |
营业利润率FTHMRBCAA
| Q4 25 | -5.2% | 29.3% | ||
| Q3 25 | -3.5% | 40.4% | ||
| Q2 25 | -2.0% | 43.0% | ||
| Q1 25 | -4.8% | 44.1% | ||
| Q4 24 | -7.0% | 25.8% | ||
| Q3 24 | -9.3% | 38.4% | ||
| Q2 24 | -4.1% | 37.0% | ||
| Q1 24 | -8.0% | 32.2% |
净利率FTHMRBCAA
| Q4 25 | -7.4% | 24.2% | ||
| Q3 25 | -3.8% | 31.8% | ||
| Q2 25 | -3.0% | 33.5% | ||
| Q1 25 | -6.1% | 34.8% | ||
| Q4 24 | -6.8% | 21.2% | ||
| Q3 24 | -9.7% | 30.1% | ||
| Q2 24 | -1.5% | 29.0% | ||
| Q1 24 | -8.4% | 25.4% |
每股收益（稀释后）FTHMRBCAA
| Q4 25 | $-0.20 | — | ||
| Q3 25 | $-0.15 | — | ||
| Q2 25 | $-0.13 | — | ||
| Q1 25 | $-0.24 | — | ||
| Q4 24 | $-0.29 | — | ||
| Q3 24 | $-0.40 | — | ||
| Q2 24 | $-0.07 | — | ||
| Q1 24 | $-0.31 | — |
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 | $5.8M | $220.0M |
| 总债务越低越好 | $5.6M | — |
| 股东权益账面价值 | $37.4M | $1.1B |
| 总资产 | $78.0M | $7.0B |
| 负债/权益比越低杠杆越低 | 0.15× | — |
8季度趋势，按日历期对齐
现金及短期投资FTHMRBCAA
| Q4 25 | $5.8M | $220.0M | ||
| Q3 25 | $9.8M | $484.2M | ||
| Q2 25 | $4.9M | $484.8M | ||
| Q1 25 | $8.0M | $793.0M | ||
| Q4 24 | $7.1M | $432.2M | ||
| Q3 24 | $13.1M | $530.9M | ||
| Q2 24 | $10.4M | $400.1M | ||
| Q1 24 | $5.7M | $546.4M |
总债务FTHMRBCAA
| Q4 25 | $5.6M | — | ||
| Q3 25 | $5.1M | — | ||
| Q2 25 | $5.1M | — | ||
| Q1 25 | $5.1M | — | ||
| Q4 24 | $9.5M | — | ||
| Q3 24 | $8.8M | — | ||
| Q2 24 | $3.6M | — | ||
| Q1 24 | $3.7M | — |
股东权益FTHMRBCAA
| Q4 25 | $37.4M | $1.1B | ||
| Q3 25 | $43.4M | $1.1B | ||
| Q2 25 | $40.7M | $1.1B | ||
| Q1 25 | $43.4M | $1.0B | ||
| Q4 24 | $44.7M | $992.0M | ||
| Q3 24 | $47.1M | $979.7M | ||
| Q2 24 | $53.1M | $955.4M | ||
| Q1 24 | $51.9M | $935.6M |
总资产FTHMRBCAA
| Q4 25 | $78.0M | $7.0B | ||
| Q3 25 | $83.2M | $7.0B | ||
| Q2 25 | $80.4M | $7.0B | ||
| Q1 25 | $81.0M | $7.1B | ||
| Q4 24 | $75.4M | $6.8B | ||
| Q3 24 | $80.9M | $6.7B | ||
| Q2 24 | $80.2M | $6.6B | ||
| Q1 24 | $78.2M | $6.9B |
负债/权益比FTHMRBCAA
| Q4 25 | 0.15× | — | ||
| Q3 25 | 0.12× | — | ||
| Q2 25 | 0.12× | — | ||
| Q1 25 | 0.12× | — | ||
| Q4 24 | 0.21× | — | ||
| Q3 24 | 0.19× | — | ||
| Q2 24 | 0.07× | — | ||
| Q1 24 | 0.07× | — |
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 | $-20.5M | $168.2M |
| 自由现金流经营现金流 - 资本支出 | $-20.7M | $161.1M |
| 自由现金流率自由现金流/营收 | -22.8% | 170.9% |
| 资本支出强度资本支出/营收 | 0.1% | 7.5% |
| 现金转化率经营现金流/净利润 | — | 7.37× |
| 过去12个月自由现金流最近4个季度 | $-29.4M | $288.6M |
8季度趋势，按日历期对齐
经营现金流FTHMRBCAA
| Q4 25 | $-20.5M | $168.2M | ||
| Q3 25 | $3.0M | $33.3M | ||
| Q2 25 | $-5.9M | $8.4M | ||
| Q1 25 | $-5.7M | $93.2M | ||
| Q4 24 | $-4.7M | $149.0M | ||
| Q3 24 | $-330.0K | $51.3M | ||
| Q2 24 | $-3.1M | $4.0M | ||
| Q1 24 | $-947.0K | $71.2M |
自由现金流FTHMRBCAA
| Q4 25 | $-20.7M | $161.1M | ||
| Q3 25 | $3.0M | $30.8M | ||
| Q2 25 | $-6.0M | $5.2M | ||
| Q1 25 | $-5.8M | $91.6M | ||
| Q4 24 | $-4.7M | $143.2M | ||
| Q3 24 | $-364.0K | $49.8M | ||
| Q2 24 | $-3.1M | $2.7M | ||
| Q1 24 | $-948.0K | $69.1M |
自由现金流率FTHMRBCAA
| Q4 25 | -22.8% | 170.9% | ||
| Q3 25 | 2.6% | 32.9% | ||
| Q2 25 | -4.9% | 5.5% | ||
| Q1 25 | -6.2% | 67.4% | ||
| Q4 24 | -5.2% | 160.0% | ||
| Q3 24 | -0.4% | 56.5% | ||
| Q2 24 | -3.5% | 3.1% | ||
| Q1 24 | -1.3% | 57.5% |
资本支出强度FTHMRBCAA
| Q4 25 | 0.1% | 7.5% | ||
| Q3 25 | 0.0% | 2.6% | ||
| Q2 25 | 0.0% | 3.5% | ||
| Q1 25 | 0.0% | 1.2% | ||
| Q4 24 | 0.1% | 6.5% | ||
| Q3 24 | 0.0% | 1.7% | ||
| Q2 24 | 0.0% | 1.5% | ||
| Q1 24 | 0.0% | 1.7% |
现金转化率FTHMRBCAA
| Q4 25 | — | 7.37× | ||
| Q3 25 | — | 1.12× | ||
| Q2 25 | — | 0.27× | ||
| Q1 25 | — | 1.97× | ||
| Q4 24 | — | 7.84× | ||
| Q3 24 | — | 1.93× | ||
| Q2 24 | — | 0.16× | ||
| Q1 24 | — | 2.33× |
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
FTHM
| Real Estate Brokerage | $84.9M | 94% |
| Mortgage Segment | $3.4M | 4% |
| Other | $2.3M | 3% |
RBCAA
暂无分部数据
