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HBT Financial, Inc.（HBT）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
HBT Financial, Inc.的季度营收约是READING INTERNATIONAL INC的1.3倍（$67.3M vs $50.3M），HBT Financial, Inc.净利率更高（16.6% vs -5.1%，领先21.7%），过去两年HBT Financial, Inc.的营收复合增速更高（9.0% vs 5.6%）
HBT Financial, Inc.是总部位于美国伊利诺伊州的区域性银行控股公司，主要为运营区域内的社区居民、中小微企业提供各类零售及商业银行业务，涵盖存取款服务、消费及商业信贷、财富管理咨询、按揭贷款等金融产品。
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。
HBT vs RDI — 直观对比
营收规模更大
HBT
是对方的1.3倍
$50.3M
净利率更高
HBT
高出21.7%
-5.1%
两年增速更快
HBT
近两年复合增速
5.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $67.3M | $50.3M |
| 净利润 | $11.2M | $-2.6M |
| 毛利率 | — | — |
| 营业利润率 | — | -1.9% |
| 净利率 | 16.6% | -5.1% |
| 营收同比 | — | -14.2% |
| 净利润同比 | -41.3% | -14.5% |
| 每股收益（稀释后） | $0.34 | $-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HBTRDI
| Q1 26 | $67.3M | — | ||
| Q4 25 | $60.4M | $50.3M | ||
| Q3 25 | $59.8M | $52.2M | ||
| Q2 25 | $58.8M | $60.4M | ||
| Q1 25 | $58.0M | $40.2M | ||
| Q4 24 | $59.0M | $58.6M | ||
| Q3 24 | $56.4M | $60.1M | ||
| Q2 24 | $56.6M | $46.8M |
净利润HBTRDI
| Q1 26 | $11.2M | — | ||
| Q4 25 | — | $-2.6M | ||
| Q3 25 | $19.8M | $-4.2M | ||
| Q2 25 | $19.2M | $-2.7M | ||
| Q1 25 | $19.1M | $-4.8M | ||
| Q4 24 | $20.3M | $-2.2M | ||
| Q3 24 | $18.2M | $-7.0M | ||
| Q2 24 | $18.1M | $-12.8M |
营业利润率HBTRDI
| Q1 26 | — | — | ||
| Q4 25 | 42.9% | -1.9% | ||
| Q3 25 | 44.7% | -0.6% | ||
| Q2 25 | 44.8% | 4.8% | ||
| Q1 25 | 44.0% | -17.2% | ||
| Q4 24 | 46.4% | 2.6% | ||
| Q3 24 | 43.4% | -0.6% | ||
| Q2 24 | 44.1% | -16.4% |
净利率HBTRDI
| Q1 26 | 16.6% | — | ||
| Q4 25 | — | -5.1% | ||
| Q3 25 | 33.0% | -8.0% | ||
| Q2 25 | 32.7% | -4.4% | ||
| Q1 25 | 32.9% | -11.8% | ||
| Q4 24 | 42.8% | -3.8% | ||
| Q3 24 | 32.2% | -11.7% | ||
| Q2 24 | 31.9% | -27.4% |
每股收益（稀释后）HBTRDI
| Q1 26 | $0.34 | — | ||
| Q4 25 | $0.60 | $-0.11 | ||
| Q3 25 | $0.63 | $-0.18 | ||
| Q2 25 | $0.61 | $-0.12 | ||
| Q1 25 | $0.60 | $-0.21 | ||
| Q4 24 | $0.64 | $-0.11 | ||
| Q3 24 | $0.57 | $-0.31 | ||
| Q2 24 | $0.57 | $-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 | $287.7M | $10.5M |
| 总债务越低越好 | — | $185.1M |
| 股东权益账面价值 | $747.4M | $-18.2M |
| 总资产 | $6.8B | $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HBTRDI
| Q1 26 | $287.7M | — | ||
| Q4 25 | $122.3M | $10.5M | ||
| Q3 25 | $155.1M | $8.1M | ||
| Q2 25 | $195.7M | $9.1M | ||
| Q1 25 | $211.6M | $5.9M | ||
| Q4 24 | $137.7M | $12.4M | ||
| Q3 24 | $179.7M | $10.1M | ||
| Q2 24 | $195.2M | $9.3M |
总债务HBTRDI
| Q1 26 | — | — | ||
| Q4 25 | — | $185.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $202.7M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益HBTRDI
| Q1 26 | $747.4M | — | ||
| Q4 25 | $615.5M | $-18.2M | ||
| Q3 25 | $599.1M | $-12.1M | ||
| Q2 25 | $580.9M | $-7.7M | ||
| Q1 25 | $565.1M | $-8.1M | ||
| Q4 24 | $544.6M | $-4.4M | ||
| Q3 24 | $537.7M | $1.6M | ||
| Q2 24 | $509.5M | $6.5M |
总资产HBTRDI
| Q1 26 | $6.8B | — | ||
| Q4 25 | $5.1B | $434.9M | ||
| Q3 25 | $5.0B | $435.2M | ||
| Q2 25 | $5.0B | $438.1M | ||
| Q1 25 | $5.1B | $441.0M | ||
| Q4 24 | $5.0B | $471.0M | ||
| Q3 24 | $5.0B | $495.7M | ||
| Q2 24 | $5.0B | $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HBTRDI
| Q1 26 | — | — | ||
| Q4 25 | $85.1M | $4.3M | ||
| Q3 25 | $17.2M | $295.0K | ||
| Q2 25 | $13.6M | $1.6M | ||
| Q1 25 | $30.4M | $-7.7M | ||
| Q4 24 | $89.4M | $8.0M | ||
| Q3 24 | $25.5M | $1.3M | ||
| Q2 24 | $19.8M | $-10.4M |
自由现金流HBTRDI
| Q1 26 | — | — | ||
| Q4 25 | — | $4.1M | ||
| Q3 25 | — | $-246.0K | ||
| Q2 25 | — | $1.2M | ||
| Q1 25 | — | $-8.0M | ||
| Q4 24 | — | $7.0M | ||
| Q3 24 | — | $-1.1M | ||
| Q2 24 | — | $-10.6M |
自由现金流率HBTRDI
| Q1 26 | — | — | ||
| Q4 25 | — | 8.2% | ||
| Q3 25 | — | -0.5% | ||
| Q2 25 | — | 1.9% | ||
| Q1 25 | — | -19.8% | ||
| Q4 24 | — | 12.0% | ||
| Q3 24 | — | -1.8% | ||
| Q2 24 | — | -22.7% |
资本支出强度HBTRDI
| Q1 26 | — | — | ||
| Q4 25 | — | 0.3% | ||
| Q3 25 | — | 1.0% | ||
| Q2 25 | — | 0.6% | ||
| Q1 25 | — | 0.6% | ||
| Q4 24 | — | 1.7% | ||
| Q3 24 | — | 4.0% | ||
| Q2 24 | — | 0.5% |
现金转化率HBTRDI
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 0.87× | — | ||
| Q2 25 | 0.70× | — | ||
| Q1 25 | 1.60× | — | ||
| Q4 24 | 4.41× | — | ||
| Q3 24 | 1.40× | — | ||
| Q2 24 | 1.10× | — |
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
HBT
| Net Interest Income | $56.4M | 84% |
| Noninterest Income | $10.9M | 16% |
RDI
| Cinema Exhibition Segment | $46.9M | 93% |
| Real Estate Revenue | $3.4M | 7% |
