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合众银行（HBCP）与READING INTERNATIONAL INC（RDI）财务数据对比。点击上方公司名可切换其他公司
READING INTERNATIONAL INC的季度营收约是合众银行的1.3倍（$50.3M vs $38.2M），合众银行净利率更高（29.7% vs -5.1%，领先34.8%），过去两年合众银行的营收复合增速更高（7.4% vs 5.6%）
该企业是总部位于美国明尼苏达州明尼阿波利斯、在特拉华州注册的跨国银行机构，截至2025年为美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的银行，主营银行、投资、抵押贷款等各类金融业务。
雷丁公司是总部位于美国费城的铁路企业，1924年起在宾夕法尼亚州东部及周边各州提供客运与货运运输服务，直至1976年被联合铁路公司收购。
HBCP vs RDI — 直观对比
营收规模更大
RDI
是对方的1.3倍
$38.2M
净利率更高
HBCP
高出34.8%
-5.1%
两年增速更快
HBCP
近两年复合增速
5.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $38.2M | $50.3M |
| 净利润 | $11.4M | $-2.6M |
| 毛利率 | — | — |
| 营业利润率 | — | -1.9% |
| 净利率 | 29.7% | -5.1% |
| 营收同比 | — | -14.2% |
| 净利润同比 | — | -14.5% |
| 每股收益（稀释后） | $1.45 | $-0.11 |
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HBCPRDI
| Q1 26 | $38.2M | — | ||
| Q4 25 | $38.0M | $50.3M | ||
| Q3 25 | $37.8M | $52.2M | ||
| Q2 25 | $37.1M | $60.4M | ||
| Q1 25 | $35.8M | $40.2M | ||
| Q4 24 | $35.2M | $58.6M | ||
| Q3 24 | $34.1M | $60.1M | ||
| Q2 24 | $33.1M | $46.8M |
净利润HBCPRDI
| Q1 26 | $11.4M | — | ||
| Q4 25 | $11.4M | $-2.6M | ||
| Q3 25 | $12.4M | $-4.2M | ||
| Q2 25 | $11.3M | $-2.7M | ||
| Q1 25 | $11.0M | $-4.8M | ||
| Q4 24 | $9.7M | $-2.2M | ||
| Q3 24 | $9.4M | $-7.0M | ||
| Q2 24 | $8.1M | $-12.8M |
营业利润率HBCPRDI
| Q1 26 | — | — | ||
| Q4 25 | 38.2% | -1.9% | ||
| Q3 25 | 41.1% | -0.6% | ||
| Q2 25 | 38.2% | 4.8% | ||
| Q1 25 | 38.6% | -17.2% | ||
| Q4 24 | 34.0% | 2.6% | ||
| Q3 24 | 34.3% | -0.6% | ||
| Q2 24 | 30.4% | -16.4% |
净利率HBCPRDI
| Q1 26 | 29.7% | — | ||
| Q4 25 | 30.0% | -5.1% | ||
| Q3 25 | 32.7% | -8.0% | ||
| Q2 25 | 30.6% | -4.4% | ||
| Q1 25 | 30.7% | -11.8% | ||
| Q4 24 | 27.5% | -3.8% | ||
| Q3 24 | 27.7% | -11.7% | ||
| Q2 24 | 24.5% | -27.4% |
每股收益（稀释后）HBCPRDI
| Q1 26 | $1.45 | — | ||
| Q4 25 | $1.46 | $-0.11 | ||
| Q3 25 | $1.59 | $-0.18 | ||
| Q2 25 | $1.45 | $-0.12 | ||
| Q1 25 | $1.37 | $-0.21 | ||
| Q4 24 | $1.21 | $-0.11 | ||
| Q3 24 | $1.18 | $-0.31 | ||
| Q2 24 | $1.02 | $-0.57 |
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 | $223.5M | $10.5M |
| 总债务越低越好 | — | $185.1M |
| 股东权益账面价值 | $444.4M | $-18.2M |
| 总资产 | $3.6B | $434.9M |
| 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HBCPRDI
| Q1 26 | $223.5M | — | ||
| Q4 25 | — | $10.5M | ||
| Q3 25 | — | $8.1M | ||
| Q2 25 | — | $9.1M | ||
| Q1 25 | — | $5.9M | ||
| Q4 24 | — | $12.4M | ||
| Q3 24 | — | $10.1M | ||
| Q2 24 | — | $9.3M |
总债务HBCPRDI
| Q1 26 | — | — | ||
| Q4 25 | — | $185.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $202.7M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益HBCPRDI
| Q1 26 | $444.4M | — | ||
| Q4 25 | $435.1M | $-18.2M | ||
| Q3 25 | $423.0M | $-12.1M | ||
| Q2 25 | $408.8M | $-7.7M | ||
| Q1 25 | $402.8M | $-8.1M | ||
| Q4 24 | $396.1M | $-4.4M | ||
| Q3 24 | $393.5M | $1.6M | ||
| Q2 24 | $375.8M | $6.5M |
总资产HBCPRDI
| Q1 26 | $3.6B | — | ||
| Q4 25 | $3.5B | $434.9M | ||
| Q3 25 | $3.5B | $435.2M | ||
| Q2 25 | $3.5B | $438.1M | ||
| Q1 25 | $3.5B | $441.0M | ||
| Q4 24 | $3.4B | $471.0M | ||
| Q3 24 | $3.4B | $495.7M | ||
| Q2 24 | $3.4B | $494.9M |
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 | — | $4.3M |
| 自由现金流经营现金流 - 资本支出 | — | $4.1M |
| 自由现金流率自由现金流/营收 | — | 8.2% |
| 资本支出强度资本支出/营收 | — | 0.3% |
| 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 | — | $-2.9M |
8季度趋势，按日历期对齐
经营现金流HBCPRDI
| Q1 26 | — | — | ||
| Q4 25 | $54.5M | $4.3M | ||
| Q3 25 | $21.5M | $295.0K | ||
| Q2 25 | $8.7M | $1.6M | ||
| Q1 25 | $12.6M | $-7.7M | ||
| Q4 24 | $48.7M | $8.0M | ||
| Q3 24 | $17.6M | $1.3M | ||
| Q2 24 | $15.0M | $-10.4M |
自由现金流HBCPRDI
| Q1 26 | — | — | ||
| Q4 25 | $44.3M | $4.1M | ||
| Q3 25 | $20.7M | $-246.0K | ||
| Q2 25 | $7.9M | $1.2M | ||
| Q1 25 | $8.7M | $-8.0M | ||
| Q4 24 | $44.7M | $7.0M | ||
| Q3 24 | $17.0M | $-1.1M | ||
| Q2 24 | $13.4M | $-10.6M |
自由现金流率HBCPRDI
| Q1 26 | — | — | ||
| Q4 25 | 116.5% | 8.2% | ||
| Q3 25 | 54.6% | -0.5% | ||
| Q2 25 | 21.3% | 1.9% | ||
| Q1 25 | 24.3% | -19.8% | ||
| Q4 24 | 126.9% | 12.0% | ||
| Q3 24 | 49.8% | -1.8% | ||
| Q2 24 | 40.3% | -22.7% |
资本支出强度HBCPRDI
| Q1 26 | — | — | ||
| Q4 25 | 26.7% | 0.3% | ||
| Q3 25 | 2.2% | 1.0% | ||
| Q2 25 | 2.3% | 0.6% | ||
| Q1 25 | 10.8% | 0.6% | ||
| Q4 24 | 11.5% | 1.7% | ||
| Q3 24 | 1.9% | 4.0% | ||
| Q2 24 | 4.9% | 0.5% |
现金转化率HBCPRDI
| Q1 26 | — | — | ||
| Q4 25 | 4.78× | — | ||
| Q3 25 | 1.74× | — | ||
| Q2 25 | 0.77× | — | ||
| Q1 25 | 1.15× | — | ||
| Q4 24 | 5.04× | — | ||
| Q3 24 | 1.87× | — | ||
| Q2 24 | 1.84× | — |
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
HBCP
| Net Interest Income | $34.5M | 90% |
| Noninterest Income | $3.7M | 10% |
RDI
| Cinema Exhibition Segment | $46.9M | 93% |
| Real Estate Revenue | $3.4M | 7% |
