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GERMAN AMERICAN BANCORP, INC.（GABC）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
GERMAN AMERICAN BANCORP, INC.的季度营收约是RIGEL PHARMACEUTICALS INC的1.8倍（$126.7M vs $69.8M），RIGEL PHARMACEUTICALS INC净利率更高（384.0% vs 28.2%，领先355.9%），GERMAN AMERICAN BANCORP, INC.同比增速更快（39.7% vs 21.2%），过去两年RIGEL PHARMACEUTICALS INC的营收复合增速更高（53.7% vs 22.7%）
German American Bancorp, Inc.（股票代码：GABC）是一家美国的银行控股企业，专注于提供多元金融服务，核心业务涵盖支付卡相关服务，总部位于纽约曼哈顿下城的巴特利公园城，在金融服务领域拥有成熟的业务布局。
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。
GABC vs RIGL — 直观对比
营收规模更大
GABC
是对方的1.8倍
$69.8M
营收增速更快
GABC
高出18.5%
21.2%
净利率更高
RIGL
高出355.9%
28.2%
两年增速更快
RIGL
近两年复合增速
22.7%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $126.7M | $69.8M |
| 净利润 | $35.7M | $268.1M |
| 毛利率 | — | 91.5% |
| 营业利润率 | 34.6% | 33.2% |
| 净利率 | 28.2% | 384.0% |
| 营收同比 | 39.7% | 21.2% |
| 净利润同比 | 53.7% | 1769.2% |
| 每股收益（稀释后） | $0.98 | $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GABCRIGL
| Q4 25 | $126.7M | $69.8M | ||
| Q3 25 | $126.5M | $69.5M | ||
| Q2 25 | $123.2M | $101.7M | ||
| Q1 25 | $111.1M | $53.3M | ||
| Q4 24 | $90.7M | $57.6M | ||
| Q3 24 | $88.5M | $55.3M | ||
| Q2 24 | $90.5M | $36.8M | ||
| Q1 24 | $84.1M | $29.5M |
净利润GABCRIGL
| Q4 25 | $35.7M | $268.1M | ||
| Q3 25 | $35.1M | $27.9M | ||
| Q2 25 | $31.4M | $59.6M | ||
| Q1 25 | $10.5M | $11.4M | ||
| Q4 24 | $23.2M | $14.3M | ||
| Q3 24 | $21.0M | $12.4M | ||
| Q2 24 | $20.5M | $-1.0M | ||
| Q1 24 | $19.0M | $-8.2M |
毛利率GABCRIGL
| 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% | ||
| Q1 24 | — | 93.1% |
营业利润率GABCRIGL
| Q4 25 | 34.6% | 33.2% | ||
| Q3 25 | 34.6% | 40.9% | ||
| Q2 25 | 31.8% | 60.1% | ||
| Q1 25 | 12.0% | 23.9% | ||
| Q4 24 | 31.6% | 28.9% | ||
| Q3 24 | 29.0% | 25.4% | ||
| Q2 24 | 29.4% | 1.2% | ||
| Q1 24 | 27.6% | -23.6% |
净利率GABCRIGL
| Q4 25 | 28.2% | 384.0% | ||
| Q3 25 | 27.7% | 40.2% | ||
| Q2 25 | 25.5% | 58.6% | ||
| Q1 25 | 9.5% | 21.5% | ||
| Q4 24 | 25.6% | 24.9% | ||
| Q3 24 | 23.8% | 22.5% | ||
| Q2 24 | 22.7% | -2.8% | ||
| Q1 24 | 22.6% | -27.9% |
每股收益（稀释后）GABCRIGL
| Q4 25 | $0.98 | $14.11 | ||
| Q3 25 | $0.94 | $1.46 | ||
| Q2 25 | $0.84 | $3.28 | ||
| Q1 25 | $0.30 | $0.63 | ||
| Q4 24 | $0.79 | $0.82 | ||
| Q3 24 | $0.71 | $0.70 | ||
| Q2 24 | $0.69 | $-0.06 | ||
| Q1 24 | $0.64 | $-0.47 |
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 | $100.0M | $52.5M |
| 股东权益账面价值 | $1.2B | $391.5M |
| 总资产 | $8.4B | $513.6M |
| 负债/权益比越低杠杆越低 | 0.09× | 0.13× |
8季度趋势，按日历期对齐
现金及短期投资GABCRIGL
| Q4 25 | — | $155.0M | ||
| Q3 25 | — | $137.1M | ||
| Q2 25 | — | $108.4M | ||
| Q1 25 | — | $77.1M | ||
| Q4 24 | — | $77.3M | ||
| Q3 24 | — | $61.1M | ||
| Q2 24 | — | $49.1M | ||
| Q1 24 | — | $49.5M |
总债务GABCRIGL
| Q4 25 | $100.0M | $52.5M | ||
| Q3 25 | — | $60.0M | ||
| Q2 25 | — | $60.0M | ||
| Q1 25 | — | $60.0M | ||
| Q4 24 | $114.6M | $60.0M | ||
| Q3 24 | — | $60.0M | ||
| Q2 24 | — | $60.0M | ||
| Q1 24 | — | $60.0M |
股东权益GABCRIGL
| Q4 25 | $1.2B | $391.5M | ||
| Q3 25 | $1.1B | $117.6M | ||
| Q2 25 | $1.1B | $81.9M | ||
| Q1 25 | $1.0B | $18.6M | ||
| Q4 24 | $715.1M | $3.3M | ||
| Q3 24 | $744.6M | $-14.6M | ||
| Q2 24 | $687.8M | $-29.9M | ||
| Q1 24 | $655.3M | $-31.7M |
总资产GABCRIGL
| Q4 25 | $8.4B | $513.6M | ||
| Q3 25 | $8.4B | $242.5M | ||
| Q2 25 | $8.3B | $206.7M | ||
| Q1 25 | $8.4B | $176.0M | ||
| Q4 24 | $6.3B | $164.0M | ||
| Q3 24 | $6.3B | $139.4M | ||
| Q2 24 | $6.2B | $128.4M | ||
| Q1 24 | $6.1B | $126.5M |
负债/权益比GABCRIGL
| Q4 25 | 0.09× | 0.13× | ||
| Q3 25 | — | 0.51× | ||
| Q2 25 | — | 0.73× | ||
| Q1 25 | — | 3.23× | ||
| Q4 24 | 0.16× | 18.25× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 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 | $159.3M | $22.0M |
| 自由现金流经营现金流 - 资本支出 | $154.0M | — |
| 自由现金流率自由现金流/营收 | 121.6% | — |
| 资本支出强度资本支出/营收 | 4.2% | — |
| 现金转化率经营现金流/净利润 | 4.46× | 0.08× |
| 过去12个月自由现金流最近4个季度 | $267.0M | — |
8季度趋势，按日历期对齐
经营现金流GABCRIGL
| Q4 25 | $159.3M | $22.0M | ||
| Q3 25 | $51.8M | $24.0M | ||
| Q2 25 | $26.9M | $30.5M | ||
| Q1 25 | $37.9M | $-893.0K | ||
| Q4 24 | $95.8M | $14.5M | ||
| Q3 24 | $24.5M | $21.7M | ||
| Q2 24 | $18.7M | $302.0K | ||
| Q1 24 | $23.9M | $-5.0M |
自由现金流GABCRIGL
| Q4 25 | $154.0M | — | ||
| Q3 25 | $50.1M | — | ||
| Q2 25 | $26.2M | — | ||
| Q1 25 | $36.7M | — | ||
| Q4 24 | $90.7M | — | ||
| Q3 24 | $23.0M | — | ||
| Q2 24 | $17.0M | — | ||
| Q1 24 | $22.6M | — |
自由现金流率GABCRIGL
| Q4 25 | 121.6% | — | ||
| Q3 25 | 39.6% | — | ||
| Q2 25 | 21.2% | — | ||
| Q1 25 | 33.0% | — | ||
| Q4 24 | 100.1% | — | ||
| Q3 24 | 26.0% | — | ||
| Q2 24 | 18.8% | — | ||
| Q1 24 | 26.9% | — |
资本支出强度GABCRIGL
| Q4 25 | 4.2% | — | ||
| Q3 25 | 1.3% | — | ||
| Q2 25 | 0.6% | — | ||
| Q1 25 | 1.1% | — | ||
| Q4 24 | 5.6% | — | ||
| Q3 24 | 1.7% | — | ||
| Q2 24 | 1.8% | — | ||
| Q1 24 | 1.5% | — |
现金转化率GABCRIGL
| Q4 25 | 4.46× | 0.08× | ||
| Q3 25 | 1.48× | 0.86× | ||
| Q2 25 | 0.86× | 0.51× | ||
| Q1 25 | 3.61× | -0.08× | ||
| Q4 24 | 4.13× | 1.01× | ||
| Q3 24 | 1.16× | 1.75× | ||
| Q2 24 | 0.91× | — | ||
| Q1 24 | 1.25× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
