vs
合众银行（HBCP）与REGENXBIO Inc.（RGNX）财务数据对比。点击上方公司名可切换其他公司
合众银行的季度营收约是REGENXBIO Inc.的1.3倍（$38.2M vs $30.3M），合众银行净利率更高（29.7% vs -221.3%，领先251.1%），过去两年REGENXBIO Inc.的营收复合增速更高（39.4% vs 7.4%）
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。
REGENXBIO Inc.是一家临床阶段生物技术企业，专注于开发针对罕见及严重遗传疾病的突破性基因疗法。公司拥有专有的腺相关病毒载体技术，既向全球生物制药合作伙伴提供技术授权，也自主推进多疾病领域的基因疗法管线研发。
HBCP vs RGNX — 直观对比
营收规模更大
HBCP
是对方的1.3倍
$30.3M
净利率更高
HBCP
高出251.1%
-221.3%
两年增速更快
RGNX
近两年复合增速
7.4%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $38.2M | $30.3M |
| 净利润 | $11.4M | $-67.1M |
| 毛利率 | — | — |
| 营业利润率 | — | -190.0% |
| 净利率 | 29.7% | -221.3% |
| 营收同比 | — | 43.0% |
| 净利润同比 | — | -31.2% |
| 每股收益（稀释后） | $1.45 | $-1.30 |
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HBCPRGNX
| Q1 26 | $38.2M | — | ||
| Q4 25 | $38.0M | $30.3M | ||
| Q3 25 | $37.8M | $29.7M | ||
| Q2 25 | $37.1M | $21.4M | ||
| Q1 25 | $35.8M | $89.0M | ||
| Q4 24 | $35.2M | $21.2M | ||
| Q3 24 | $34.1M | $24.2M | ||
| Q2 24 | $33.1M | $22.3M |
净利润HBCPRGNX
| Q1 26 | $11.4M | — | ||
| Q4 25 | $11.4M | $-67.1M | ||
| Q3 25 | $12.4M | $-61.9M | ||
| Q2 25 | $11.3M | $-70.9M | ||
| Q1 25 | $11.0M | $6.1M | ||
| Q4 24 | $9.7M | $-51.2M | ||
| Q3 24 | $9.4M | $-59.6M | ||
| Q2 24 | $8.1M | $-53.0M |
毛利率HBCPRGNX
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 70.2% | ||
| Q3 24 | — | 48.8% | ||
| Q2 24 | — | 52.5% |
营业利润率HBCPRGNX
| Q1 26 | — | — | ||
| Q4 25 | 38.2% | -190.0% | ||
| Q3 25 | 41.1% | -176.3% | ||
| Q2 25 | 38.2% | -296.3% | ||
| Q1 25 | 38.6% | 13.6% | ||
| Q4 24 | 34.0% | -242.1% | ||
| Q3 24 | 34.3% | -256.6% | ||
| Q2 24 | 30.4% | -251.3% |
净利率HBCPRGNX
| Q1 26 | 29.7% | — | ||
| Q4 25 | 30.0% | -221.3% | ||
| Q3 25 | 32.7% | -208.3% | ||
| Q2 25 | 30.6% | -331.8% | ||
| Q1 25 | 30.7% | 6.8% | ||
| Q4 24 | 27.5% | -241.3% | ||
| Q3 24 | 27.7% | -246.3% | ||
| Q2 24 | 24.5% | -237.7% |
每股收益（稀释后）HBCPRGNX
| Q1 26 | $1.45 | — | ||
| Q4 25 | $1.46 | $-1.30 | ||
| Q3 25 | $1.59 | $-1.20 | ||
| Q2 25 | $1.45 | $-1.38 | ||
| Q1 25 | $1.37 | $0.12 | ||
| Q4 24 | $1.21 | $-0.99 | ||
| Q3 24 | $1.18 | $-1.17 | ||
| Q2 24 | $1.02 | $-1.05 |
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 | $230.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $444.4M | $102.7M |
| 总资产 | $3.6B | $453.0M |
| 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HBCPRGNX
| Q1 26 | $223.5M | — | ||
| Q4 25 | — | $230.1M | ||
| Q3 25 | — | $274.2M | ||
| Q2 25 | — | $323.3M | ||
| Q1 25 | — | $267.9M | ||
| Q4 24 | — | $234.7M | ||
| Q3 24 | — | $255.5M | ||
| Q2 24 | — | $290.4M |
股东权益HBCPRGNX
| Q1 26 | $444.4M | — | ||
| Q4 25 | $435.1M | $102.7M | ||
| Q3 25 | $423.0M | $161.5M | ||
| Q2 25 | $408.8M | $213.7M | ||
| Q1 25 | $402.8M | $274.2M | ||
| Q4 24 | $396.1M | $259.7M | ||
| Q3 24 | $393.5M | $301.4M | ||
| Q2 24 | $375.8M | $348.3M |
总资产HBCPRGNX
| Q1 26 | $3.6B | — | ||
| Q4 25 | $3.5B | $453.0M | ||
| Q3 25 | $3.5B | $525.2M | ||
| Q2 25 | $3.5B | $581.0M | ||
| Q1 25 | $3.5B | $490.9M | ||
| Q4 24 | $3.4B | $466.0M | ||
| Q3 24 | $3.4B | $519.1M | ||
| Q2 24 | $3.4B | $569.4M |
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 | — | $-52.3M |
| 自由现金流经营现金流 - 资本支出 | — | $-52.8M |
| 自由现金流率自由现金流/营收 | — | -174.0% |
| 资本支出强度资本支出/营收 | — | 1.7% |
| 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 | — | $-126.4M |
8季度趋势，按日历期对齐
经营现金流HBCPRGNX
| Q1 26 | — | — | ||
| Q4 25 | $54.5M | $-52.3M | ||
| Q3 25 | $21.5M | $-56.0M | ||
| Q2 25 | $8.7M | $-49.3M | ||
| Q1 25 | $12.6M | $33.6M | ||
| Q4 24 | $48.7M | $-31.6M | ||
| Q3 24 | $17.6M | $-40.5M | ||
| Q2 24 | $15.0M | $-45.5M |
自由现金流HBCPRGNX
| Q1 26 | — | — | ||
| Q4 25 | $44.3M | $-52.8M | ||
| Q3 25 | $20.7M | $-56.5M | ||
| Q2 25 | $7.9M | $-49.7M | ||
| Q1 25 | $8.7M | $32.6M | ||
| Q4 24 | $44.7M | $-32.7M | ||
| Q3 24 | $17.0M | $-40.9M | ||
| Q2 24 | $13.4M | $-46.0M |
自由现金流率HBCPRGNX
| Q1 26 | — | — | ||
| Q4 25 | 116.5% | -174.0% | ||
| Q3 25 | 54.6% | -189.9% | ||
| Q2 25 | 21.3% | -232.8% | ||
| Q1 25 | 24.3% | 36.6% | ||
| Q4 24 | 126.9% | -154.2% | ||
| Q3 24 | 49.8% | -168.9% | ||
| Q2 24 | 40.3% | -206.2% |
资本支出强度HBCPRGNX
| Q1 26 | — | — | ||
| Q4 25 | 26.7% | 1.7% | ||
| Q3 25 | 2.2% | 1.7% | ||
| Q2 25 | 2.3% | 1.8% | ||
| Q1 25 | 10.8% | 1.2% | ||
| Q4 24 | 11.5% | 5.1% | ||
| Q3 24 | 1.9% | 1.3% | ||
| Q2 24 | 4.9% | 2.1% |
现金转化率HBCPRGNX
| Q1 26 | — | — | ||
| Q4 25 | 4.78× | — | ||
| Q3 25 | 1.74× | — | ||
| Q2 25 | 0.77× | — | ||
| Q1 25 | 1.15× | 5.53× | ||
| 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% |
RGNX
| Novartis Gene Therapies | $24.2M | 80% |
| Nippon Shinyaku Collaboration And License Agreement | $4.3M | 14% |
| Nippon Shinyaku Services | $1.4M | 5% |
