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INDEPENDENT BANK CORP（IBCP）与PUMA BIOTECHNOLOGY, INC.（PBYI）财务数据对比。点击上方公司名可切换其他公司
PUMA BIOTECHNOLOGY, INC.的季度营收约是INDEPENDENT BANK CORP的1.3倍（$75.5M vs $58.9M），过去两年PUMA BIOTECHNOLOGY, INC.的营收复合增速更高（31.3% vs 2.1%）
独立银行公司（密歇根州）是一家总部位于密歇根州大急流城的银行机构，目前共开设62家营业网点，所有网点均布局于密歇根州境内，主要为当地市场提供各类银行金融服务。
彪马生物技术是一家公开上市的生物制药企业，总部位于美国加利福尼亚州洛杉矶，专注于创新药物研发相关业务，在生物制药领域开展研发与商业化运营。
IBCP vs PBYI — 直观对比
营收规模更大
PBYI
是对方的1.3倍
$58.9M
两年增速更快
PBYI
近两年复合增速
2.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $58.9M | $75.5M |
| 净利润 | $16.9M | — |
| 毛利率 | — | 69.3% |
| 营业利润率 | — | 22.7% |
| 净利率 | 28.6% | — |
| 营收同比 | — | 27.7% |
| 净利润同比 | 8.2% | — |
| 每股收益（稀释后） | $0.81 | $0.26 |
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IBCPPBYI
| Q1 26 | $58.9M | — | ||
| Q4 25 | $58.3M | $75.5M | ||
| Q3 25 | $57.3M | $54.5M | ||
| Q2 25 | $55.9M | $52.4M | ||
| Q1 25 | $54.1M | $46.0M | ||
| Q4 24 | $62.0M | $59.1M | ||
| Q3 24 | $51.4M | $80.5M | ||
| Q2 24 | $56.5M | $47.1M |
净利润IBCPPBYI
| Q1 26 | $16.9M | — | ||
| Q4 25 | $18.6M | — | ||
| Q3 25 | $17.5M | $8.8M | ||
| Q2 25 | $16.9M | $5.9M | ||
| Q1 25 | $15.6M | $3.0M | ||
| Q4 24 | $18.5M | — | ||
| Q3 24 | $13.8M | $20.3M | ||
| Q2 24 | $18.5M | $-4.5M |
毛利率IBCPPBYI
| Q1 26 | — | — | ||
| Q4 25 | — | 69.3% | ||
| Q3 25 | — | 77.7% | ||
| Q2 25 | — | 76.5% | ||
| Q1 25 | — | 77.1% | ||
| Q4 24 | — | 76.4% | ||
| Q3 24 | — | 63.9% | ||
| Q2 24 | — | 77.4% |
营业利润率IBCPPBYI
| Q1 26 | — | — | ||
| Q4 25 | 34.8% | 22.7% | ||
| Q3 25 | 37.0% | 17.6% | ||
| Q2 25 | 37.0% | 12.7% | ||
| Q1 25 | 35.3% | 8.7% | ||
| Q4 24 | 36.7% | 22.6% | ||
| Q3 24 | 33.7% | 27.4% | ||
| Q2 24 | 41.0% | -4.6% |
净利率IBCPPBYI
| Q1 26 | 28.6% | — | ||
| Q4 25 | 31.8% | — | ||
| Q3 25 | 30.5% | 16.2% | ||
| Q2 25 | 30.2% | 11.2% | ||
| Q1 25 | 28.8% | 6.5% | ||
| Q4 24 | 29.8% | — | ||
| Q3 24 | 26.9% | 25.2% | ||
| Q2 24 | 32.8% | -9.6% |
每股收益（稀释后）IBCPPBYI
| Q1 26 | $0.81 | — | ||
| Q4 25 | $0.88 | $0.26 | ||
| Q3 25 | $0.84 | $0.17 | ||
| Q2 25 | $0.81 | $0.12 | ||
| Q1 25 | $0.74 | $0.06 | ||
| Q4 24 | $0.87 | $0.40 | ||
| Q3 24 | $0.65 | $0.41 | ||
| Q2 24 | $0.88 | $-0.09 |
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 | $174.9M | $97.5M |
| 总债务越低越好 | — | $22.7M |
| 股东权益账面价值 | $510.6M | $130.3M |
| 总资产 | $5.6B | $216.3M |
| 负债/权益比越低杠杆越低 | — | 0.17× |
8季度趋势，按日历期对齐
现金及短期投资IBCPPBYI
| Q1 26 | $174.9M | — | ||
| Q4 25 | $138.4M | $97.5M | ||
| Q3 25 | $208.7M | $94.4M | ||
| Q2 25 | $146.2M | $96.0M | ||
| Q1 25 | $128.1M | $93.2M | ||
| Q4 24 | $119.9M | $101.0M | ||
| Q3 24 | $121.6M | $96.7M | ||
| Q2 24 | $214.3M | $96.8M |
总债务IBCPPBYI
| Q1 26 | — | — | ||
| Q4 25 | — | $22.7M | ||
| Q3 25 | — | $34.0M | ||
| Q2 25 | — | $45.3M | ||
| Q1 25 | — | $56.7M | ||
| Q4 24 | — | $68.0M | ||
| Q3 24 | — | $79.3M | ||
| Q2 24 | — | $90.7M |
股东权益IBCPPBYI
| Q1 26 | $510.6M | — | ||
| Q4 25 | $503.0M | $130.3M | ||
| Q3 25 | $490.7M | $115.3M | ||
| Q2 25 | $469.3M | $104.7M | ||
| Q1 25 | $467.3M | $97.1M | ||
| Q4 24 | $454.7M | $92.1M | ||
| Q3 24 | $452.4M | $71.1M | ||
| Q2 24 | $430.5M | $48.5M |
总资产IBCPPBYI
| Q1 26 | $5.6B | — | ||
| Q4 25 | $5.5B | $216.3M | ||
| Q3 25 | $5.5B | $202.9M | ||
| Q2 25 | $5.4B | $194.9M | ||
| Q1 25 | $5.3B | $196.2M | ||
| Q4 24 | $5.3B | $213.3M | ||
| Q3 24 | $5.3B | $220.7M | ||
| Q2 24 | $5.3B | $205.0M |
负债/权益比IBCPPBYI
| Q1 26 | — | — | ||
| Q4 25 | — | 0.17× | ||
| Q3 25 | — | 0.30× | ||
| Q2 25 | — | 0.43× | ||
| Q1 25 | — | 0.58× | ||
| Q4 24 | — | 0.74× | ||
| Q3 24 | — | 1.12× | ||
| Q2 24 | — | 1.87× |
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 | — | $14.4M |
| 自由现金流经营现金流 - 资本支出 | — | $14.4M |
| 自由现金流率自由现金流/营收 | — | 19.1% |
| 资本支出强度资本支出/营收 | — | 0.0% |
| 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 | — | $41.7M |
8季度趋势，按日历期对齐
经营现金流IBCPPBYI
| Q1 26 | — | — | ||
| Q4 25 | $76.7M | $14.4M | ||
| Q3 25 | $18.2M | $9.7M | ||
| Q2 25 | $19.0M | $14.1M | ||
| Q1 25 | $31.7M | $3.6M | ||
| Q4 24 | $63.2M | $15.6M | ||
| Q3 24 | $17.2M | $11.0M | ||
| Q2 24 | $8.7M | $1.0M |
自由现金流IBCPPBYI
| Q1 26 | — | — | ||
| Q4 25 | $70.2M | $14.4M | ||
| Q3 25 | $16.5M | $9.7M | ||
| Q2 25 | $16.7M | $14.1M | ||
| Q1 25 | $30.6M | $3.6M | ||
| Q4 24 | $55.2M | $15.6M | ||
| Q3 24 | $15.7M | $11.0M | ||
| Q2 24 | $7.0M | $1.0M |
自由现金流率IBCPPBYI
| Q1 26 | — | — | ||
| Q4 25 | 120.3% | 19.1% | ||
| Q3 25 | 28.9% | 17.7% | ||
| Q2 25 | 29.8% | 26.8% | ||
| Q1 25 | 56.5% | 7.7% | ||
| Q4 24 | 89.1% | 26.4% | ||
| Q3 24 | 30.6% | 13.7% | ||
| Q2 24 | 12.3% | 2.1% |
资本支出强度IBCPPBYI
| Q1 26 | — | — | ||
| Q4 25 | 11.1% | 0.0% | ||
| Q3 25 | 2.9% | 0.0% | ||
| Q2 25 | 4.1% | 0.0% | ||
| Q1 25 | 2.1% | 0.1% | ||
| Q4 24 | 12.8% | 0.0% | ||
| Q3 24 | 2.9% | 0.0% | ||
| Q2 24 | 3.1% | 0.0% |
现金转化率IBCPPBYI
| Q1 26 | — | — | ||
| Q4 25 | 4.13× | — | ||
| Q3 25 | 1.04× | 1.10× | ||
| Q2 25 | 1.12× | 2.41× | ||
| Q1 25 | 2.03× | 1.21× | ||
| Q4 24 | 3.42× | — | ||
| Q3 24 | 1.25× | 0.54× | ||
| Q2 24 | 0.47× | — |
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
IBCP
| Net Interest Income | $46.9M | 80% |
| Noninterest Income | $12.0M | 20% |
PBYI
暂无分部数据
