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合众银行（HBCP）与RCI HOSPITALITY HOLDINGS, INC.（RICK）财务数据对比。点击上方公司名可切换其他公司
RCI HOSPITALITY HOLDINGS, INC.的季度营收约是合众银行的1.9倍（$70.9M vs $38.2M），合众银行净利率更高（29.7% vs -7.8%，领先37.5%），过去两年合众银行的营收复合增速更高（7.4% vs -2.0%）
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。
RCI Hospitality控股通过子公司经营脱衣舞俱乐部、夜总会、运动酒吧与餐厅，同时还运营一家为成人俱乐部行业提供服务的传媒会展企业。公司于1995年完成首次公开募股上市，目前在纳斯达克全球市场挂牌交易。
HBCP vs RICK — 直观对比
营收规模更大
RICK
是对方的1.9倍
$38.2M
净利率更高
HBCP
高出37.5%
-7.8%
两年增速更快
HBCP
近两年复合增速
-2.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $38.2M | $70.9M |
| 净利润 | $11.4M | $-5.5M |
| 毛利率 | — | — |
| 营业利润率 | — | -0.7% |
| 净利率 | 29.7% | -7.8% |
| 营收同比 | — | -3.1% |
| 净利润同比 | -0.4% | -2354.9% |
| 每股收益（稀释后） | $1.45 | $-0.60 |
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HBCPRICK
| Q1 26 | $38.2M | — | ||
| Q4 25 | $38.0M | — | ||
| Q3 25 | $37.8M | $70.9M | ||
| Q2 25 | $37.1M | $71.1M | ||
| Q1 25 | $35.8M | $65.9M | ||
| Q4 24 | $35.2M | $71.5M | ||
| Q3 24 | $34.1M | $73.2M | ||
| Q2 24 | $33.1M | $76.2M |
净利润HBCPRICK
| Q1 26 | $11.4M | — | ||
| Q4 25 | $11.4M | — | ||
| Q3 25 | $12.4M | $-5.5M | ||
| Q2 25 | $11.3M | $4.1M | ||
| Q1 25 | $11.0M | $3.2M | ||
| Q4 24 | $9.7M | $9.0M | ||
| Q3 24 | $9.4M | $244.0K | ||
| Q2 24 | $8.1M | $-5.2M |
营业利润率HBCPRICK
| Q1 26 | — | — | ||
| Q4 25 | 38.2% | — | ||
| Q3 25 | 41.1% | -0.7% | ||
| Q2 25 | 38.2% | 12.2% | ||
| Q1 25 | 38.6% | 12.4% | ||
| Q4 24 | 34.0% | 19.5% | ||
| Q3 24 | 34.3% | 4.8% | ||
| Q2 24 | 30.4% | -3.3% |
净利率HBCPRICK
| Q1 26 | 29.7% | — | ||
| Q4 25 | 30.0% | — | ||
| Q3 25 | 32.7% | -7.8% | ||
| Q2 25 | 30.6% | 5.7% | ||
| Q1 25 | 30.7% | 4.9% | ||
| Q4 24 | 27.5% | 12.6% | ||
| Q3 24 | 27.7% | 0.3% | ||
| Q2 24 | 24.5% | -6.9% |
每股收益（稀释后）HBCPRICK
| Q1 26 | $1.45 | — | ||
| Q4 25 | $1.46 | — | ||
| Q3 25 | $1.59 | $-0.60 | ||
| Q2 25 | $1.45 | $0.46 | ||
| Q1 25 | $1.37 | $0.36 | ||
| Q4 24 | $1.21 | $1.01 | ||
| Q3 24 | $1.18 | $0.04 | ||
| Q2 24 | $1.02 | $-0.56 |
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 | $33.7M |
| 总债务越低越好 | — | $238.2M |
| 股东权益账面价值 | $444.4M | $261.1M |
| 总资产 | $3.6B | $596.9M |
| 负债/权益比越低杠杆越低 | — | 0.91× |
8季度趋势，按日历期对齐
现金及短期投资HBCPRICK
| Q1 26 | $223.5M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $33.7M | ||
| Q2 25 | — | $29.3M | ||
| Q1 25 | — | $32.7M | ||
| Q4 24 | — | $34.7M | ||
| Q3 24 | — | $32.4M | ||
| Q2 24 | — | $34.9M |
总债务HBCPRICK
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $238.2M | ||
| Q2 25 | — | $243.8M | ||
| Q1 25 | — | $244.1M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $241.1M | ||
| Q2 24 | — | — |
股东权益HBCPRICK
| Q1 26 | $444.4M | — | ||
| Q4 25 | $435.1M | — | ||
| Q3 25 | $423.0M | $261.1M | ||
| Q2 25 | $408.8M | $269.5M | ||
| Q1 25 | $402.8M | $268.8M | ||
| Q4 24 | $396.1M | $269.0M | ||
| Q3 24 | $393.5M | $263.4M | ||
| Q2 24 | $375.8M | $271.2M |
总资产HBCPRICK
| Q1 26 | $3.6B | — | ||
| Q4 25 | $3.5B | — | ||
| Q3 25 | $3.5B | $596.9M | ||
| Q2 25 | $3.5B | $597.4M | ||
| Q1 25 | $3.5B | $589.8M | ||
| Q4 24 | $3.4B | $586.2M | ||
| Q3 24 | $3.4B | $584.4M | ||
| Q2 24 | $3.4B | $601.0M |
负债/权益比HBCPRICK
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 0.91× | ||
| Q2 25 | — | 0.90× | ||
| Q1 25 | — | 0.91× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.92× | ||
| Q2 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 | — | $13.7M |
| 自由现金流经营现金流 - 资本支出 | — | $11.5M |
| 自由现金流率自由现金流/营收 | — | 16.2% |
| 资本支出强度资本支出/营收 | — | 3.2% |
| 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 | — | $34.9M |
8季度趋势，按日历期对齐
经营现金流HBCPRICK
| Q1 26 | — | — | ||
| Q4 25 | $54.5M | — | ||
| Q3 25 | $21.5M | $13.7M | ||
| Q2 25 | $8.7M | $13.8M | ||
| Q1 25 | $12.6M | $8.5M | ||
| Q4 24 | $48.7M | $13.3M | ||
| Q3 24 | $17.6M | $15.7M | ||
| Q2 24 | $15.0M | $15.8M |
自由现金流HBCPRICK
| Q1 26 | — | — | ||
| Q4 25 | $44.3M | — | ||
| Q3 25 | $20.7M | $11.5M | ||
| Q2 25 | $7.9M | $10.1M | ||
| Q1 25 | $8.7M | $5.7M | ||
| Q4 24 | $44.7M | $7.6M | ||
| Q3 24 | $17.0M | $10.3M | ||
| Q2 24 | $13.4M | $9.3M |
自由现金流率HBCPRICK
| Q1 26 | — | — | ||
| Q4 25 | 116.5% | — | ||
| Q3 25 | 54.6% | 16.2% | ||
| Q2 25 | 21.3% | 14.2% | ||
| Q1 25 | 24.3% | 8.6% | ||
| Q4 24 | 126.9% | 10.6% | ||
| Q3 24 | 49.8% | 14.0% | ||
| Q2 24 | 40.3% | 12.3% |
资本支出强度HBCPRICK
| Q1 26 | — | — | ||
| Q4 25 | 26.7% | — | ||
| Q3 25 | 2.2% | 3.2% | ||
| Q2 25 | 2.3% | 5.2% | ||
| Q1 25 | 10.8% | 4.3% | ||
| Q4 24 | 11.5% | 8.0% | ||
| Q3 24 | 1.9% | 7.3% | ||
| Q2 24 | 4.9% | 8.4% |
现金转化率HBCPRICK
| Q1 26 | — | — | ||
| Q4 25 | 4.78× | — | ||
| Q3 25 | 1.74× | — | ||
| Q2 25 | 0.77× | 3.40× | ||
| Q1 25 | 1.15× | 2.65× | ||
| Q4 24 | 5.04× | 1.48× | ||
| Q3 24 | 1.87× | 64.14× | ||
| 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% |
RICK
| Transferred At Point In Time | $60.8M | 86% |
| Food And Merchandise | $10.4M | 15% |
