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HBT Financial, Inc.（HBT）与Repay Holdings Corp（RPAY）财务数据对比。点击上方公司名可切换其他公司
Repay Holdings Corp的季度营收约是HBT Financial, Inc.的1.2倍（$78.6M vs $67.3M），HBT Financial, Inc.净利率更高（16.6% vs -178.3%，领先194.9%），过去两年HBT Financial, Inc.的营收复合增速更高（9.0% vs -1.3%）
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。
Repay Holdings Corp是一家聚焦北美市场的支付技术服务商，为零售、医疗、汽车服务、电商等领域的企业提供整合支付处理方案，涵盖银行卡收单、ACH转账、POS系统集成等数字化支付工具，助力客户简化交易流程、提升运营效率。
HBT vs RPAY — 直观对比
营收规模更大
RPAY
是对方的1.2倍
$67.3M
净利率更高
HBT
高出194.9%
-178.3%
两年增速更快
HBT
近两年复合增速
-1.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $67.3M | $78.6M |
| 净利润 | $11.2M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | — | -182.2% |
| 净利率 | 16.6% | -178.3% |
| 营收同比 | — | 0.4% |
| 净利润同比 | -41.3% | -3304.1% |
| 每股收益（稀释后） | $0.34 | $-1.68 |
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HBTRPAY
| Q1 26 | $67.3M | — | ||
| Q4 25 | $60.4M | $78.6M | ||
| Q3 25 | $59.8M | $77.7M | ||
| Q2 25 | $58.8M | $75.6M | ||
| Q1 25 | $58.0M | $77.3M | ||
| Q4 24 | $59.0M | $78.3M | ||
| Q3 24 | $56.4M | $79.1M | ||
| Q2 24 | $56.6M | $74.9M |
净利润HBTRPAY
| Q1 26 | $11.2M | — | ||
| Q4 25 | — | $-140.1M | ||
| Q3 25 | $19.8M | $-6.4M | ||
| Q2 25 | $19.2M | $-102.3M | ||
| Q1 25 | $19.1M | $-7.9M | ||
| Q4 24 | $20.3M | $-4.1M | ||
| Q3 24 | $18.2M | $3.2M | ||
| Q2 24 | $18.1M | $-4.1M |
毛利率HBTRPAY
| Q1 26 | — | — | ||
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% |
营业利润率HBTRPAY
| Q1 26 | — | — | ||
| Q4 25 | 42.9% | -182.2% | ||
| Q3 25 | 44.7% | -3.9% | ||
| Q2 25 | 44.8% | -138.7% | ||
| Q1 25 | 44.0% | -4.7% | ||
| Q4 24 | 46.4% | -1.5% | ||
| Q3 24 | 43.4% | -0.9% | ||
| Q2 24 | 44.1% | -4.6% |
净利率HBTRPAY
| Q1 26 | 16.6% | — | ||
| Q4 25 | — | -178.3% | ||
| Q3 25 | 33.0% | -8.3% | ||
| Q2 25 | 32.7% | -135.2% | ||
| Q1 25 | 32.9% | -10.3% | ||
| Q4 24 | 42.8% | -5.3% | ||
| Q3 24 | 32.2% | 4.1% | ||
| Q2 24 | 31.9% | -5.4% |
每股收益（稀释后）HBTRPAY
| Q1 26 | $0.34 | — | ||
| Q4 25 | $0.60 | $-1.68 | ||
| Q3 25 | $0.63 | $-0.08 | ||
| Q2 25 | $0.61 | $-1.15 | ||
| Q1 25 | $0.60 | $-0.09 | ||
| Q4 24 | $0.64 | $-0.04 | ||
| Q3 24 | $0.57 | $0.03 | ||
| Q2 24 | $0.57 | $-0.04 |
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 | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $747.4M | $484.4M |
| 总资产 | $6.8B | $1.2B |
| 负债/权益比越低杠杆越低 | — | 0.58× |
8季度趋势，按日历期对齐
现金及短期投资HBTRPAY
| Q1 26 | $287.7M | — | ||
| Q4 25 | $122.3M | $115.7M | ||
| Q3 25 | $155.1M | $95.7M | ||
| Q2 25 | $195.7M | $162.6M | ||
| Q1 25 | $211.6M | $165.5M | ||
| Q4 24 | $137.7M | $189.5M | ||
| Q3 24 | $179.7M | $168.7M | ||
| Q2 24 | $195.2M | $147.1M |
总债务HBTRPAY
| Q1 26 | — | — | ||
| Q4 25 | — | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | — | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M |
股东权益HBTRPAY
| Q1 26 | $747.4M | — | ||
| Q4 25 | $615.5M | $484.4M | ||
| Q3 25 | $599.1M | $616.9M | ||
| Q2 25 | $580.9M | $633.7M | ||
| Q1 25 | $565.1M | $755.7M | ||
| Q4 24 | $544.6M | $761.3M | ||
| Q3 24 | $537.7M | $754.7M | ||
| Q2 24 | $509.5M | $815.4M |
总资产HBTRPAY
| Q1 26 | $6.8B | — | ||
| Q4 25 | $5.1B | $1.2B | ||
| Q3 25 | $5.0B | $1.3B | ||
| Q2 25 | $5.0B | $1.4B | ||
| Q1 25 | $5.1B | $1.5B | ||
| Q4 24 | $5.0B | $1.6B | ||
| Q3 24 | $5.0B | $1.6B | ||
| Q2 24 | $5.0B | $1.5B |
负债/权益比HBTRPAY
| Q1 26 | — | — | ||
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× |
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 | — | $23.3M |
| 自由现金流经营现金流 - 资本支出 | — | $23.2M |
| 自由现金流率自由现金流/营收 | — | 29.6% |
| 资本支出强度资本支出/营收 | — | 0.1% |
| 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 | — | $90.7M |
8季度趋势，按日历期对齐
经营现金流HBTRPAY
| Q1 26 | — | — | ||
| Q4 25 | $85.1M | $23.3M | ||
| Q3 25 | $17.2M | $32.2M | ||
| Q2 25 | $13.6M | $33.1M | ||
| Q1 25 | $30.4M | $2.5M | ||
| Q4 24 | $89.4M | $34.3M | ||
| Q3 24 | $25.5M | $60.1M | ||
| Q2 24 | $19.8M | $31.0M |
自由现金流HBTRPAY
| Q1 26 | — | — | ||
| Q4 25 | — | $23.2M | ||
| Q3 25 | — | $32.1M | ||
| Q2 25 | — | $33.0M | ||
| Q1 25 | — | $2.4M | ||
| Q4 24 | — | $34.0M | ||
| Q3 24 | — | $59.8M | ||
| Q2 24 | — | $30.5M |
自由现金流率HBTRPAY
| Q1 26 | — | — | ||
| Q4 25 | — | 29.6% | ||
| Q3 25 | — | 41.3% | ||
| Q2 25 | — | 43.6% | ||
| Q1 25 | — | 3.0% | ||
| Q4 24 | — | 43.5% | ||
| Q3 24 | — | 75.6% | ||
| Q2 24 | — | 40.7% |
资本支出强度HBTRPAY
| Q1 26 | — | — | ||
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.2% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 0.3% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | — | 0.6% |
现金转化率HBTRPAY
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 0.87× | — | ||
| Q2 25 | 0.70× | — | ||
| Q1 25 | 1.60× | — | ||
| Q4 24 | 4.41× | — | ||
| Q3 24 | 1.40× | 18.52× | ||
| 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% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
