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INDEPENDENT BANK CORP（IBCP）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
INDEPENDENT BANK CORP的季度营收约是READING INTERNATIONAL INC的1.2倍（$58.9M vs $50.3M），INDEPENDENT BANK CORP净利率更高（28.6% vs -5.1%，领先33.7%），过去两年READING INTERNATIONAL INC的营收复合增速更高（5.6% 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。
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。
IBCP vs RDI — 直观对比
营收规模更大
IBCP
是对方的1.2倍
$50.3M
净利率更高
IBCP
高出33.7%
-5.1%
两年增速更快
RDI
近两年复合增速
2.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $58.9M | $50.3M |
| 净利润 | $16.9M | $-2.6M |
| 毛利率 | — | — |
| 营业利润率 | — | -1.9% |
| 净利率 | 28.6% | -5.1% |
| 营收同比 | — | -14.2% |
| 净利润同比 | 8.2% | -14.5% |
| 每股收益（稀释后） | $0.81 | $-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IBCPRDI
| Q1 26 | $58.9M | — | ||
| Q4 25 | $58.3M | $50.3M | ||
| Q3 25 | $57.3M | $52.2M | ||
| Q2 25 | $55.9M | $60.4M | ||
| Q1 25 | $54.1M | $40.2M | ||
| Q4 24 | $62.0M | $58.6M | ||
| Q3 24 | $51.4M | $60.1M | ||
| Q2 24 | $56.5M | $46.8M |
净利润IBCPRDI
| Q1 26 | $16.9M | — | ||
| Q4 25 | $18.6M | $-2.6M | ||
| Q3 25 | $17.5M | $-4.2M | ||
| Q2 25 | $16.9M | $-2.7M | ||
| Q1 25 | $15.6M | $-4.8M | ||
| Q4 24 | $18.5M | $-2.2M | ||
| Q3 24 | $13.8M | $-7.0M | ||
| Q2 24 | $18.5M | $-12.8M |
营业利润率IBCPRDI
| Q1 26 | — | — | ||
| Q4 25 | 34.8% | -1.9% | ||
| Q3 25 | 37.0% | -0.6% | ||
| Q2 25 | 37.0% | 4.8% | ||
| Q1 25 | 35.3% | -17.2% | ||
| Q4 24 | 36.7% | 2.6% | ||
| Q3 24 | 33.7% | -0.6% | ||
| Q2 24 | 41.0% | -16.4% |
净利率IBCPRDI
| Q1 26 | 28.6% | — | ||
| Q4 25 | 31.8% | -5.1% | ||
| Q3 25 | 30.5% | -8.0% | ||
| Q2 25 | 30.2% | -4.4% | ||
| Q1 25 | 28.8% | -11.8% | ||
| Q4 24 | 29.8% | -3.8% | ||
| Q3 24 | 26.9% | -11.7% | ||
| Q2 24 | 32.8% | -27.4% |
每股收益（稀释后）IBCPRDI
| Q1 26 | $0.81 | — | ||
| Q4 25 | $0.88 | $-0.11 | ||
| Q3 25 | $0.84 | $-0.18 | ||
| Q2 25 | $0.81 | $-0.12 | ||
| Q1 25 | $0.74 | $-0.21 | ||
| Q4 24 | $0.87 | $-0.11 | ||
| Q3 24 | $0.65 | $-0.31 | ||
| Q2 24 | $0.88 | $-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 | $174.9M | $10.5M |
| 总债务越低越好 | — | $185.1M |
| 股东权益账面价值 | $510.6M | $-18.2M |
| 总资产 | $5.6B | $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IBCPRDI
| Q1 26 | $174.9M | — | ||
| Q4 25 | $138.4M | $10.5M | ||
| Q3 25 | $208.7M | $8.1M | ||
| Q2 25 | $146.2M | $9.1M | ||
| Q1 25 | $128.1M | $5.9M | ||
| Q4 24 | $119.9M | $12.4M | ||
| Q3 24 | $121.6M | $10.1M | ||
| Q2 24 | $214.3M | $9.3M |
总债务IBCPRDI
| Q1 26 | — | — | ||
| Q4 25 | — | $185.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $202.7M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益IBCPRDI
| Q1 26 | $510.6M | — | ||
| Q4 25 | $503.0M | $-18.2M | ||
| Q3 25 | $490.7M | $-12.1M | ||
| Q2 25 | $469.3M | $-7.7M | ||
| Q1 25 | $467.3M | $-8.1M | ||
| Q4 24 | $454.7M | $-4.4M | ||
| Q3 24 | $452.4M | $1.6M | ||
| Q2 24 | $430.5M | $6.5M |
总资产IBCPRDI
| Q1 26 | $5.6B | — | ||
| Q4 25 | $5.5B | $434.9M | ||
| Q3 25 | $5.5B | $435.2M | ||
| Q2 25 | $5.4B | $438.1M | ||
| Q1 25 | $5.3B | $441.0M | ||
| Q4 24 | $5.3B | $471.0M | ||
| Q3 24 | $5.3B | $495.7M | ||
| Q2 24 | $5.3B | $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IBCPRDI
| Q1 26 | — | — | ||
| Q4 25 | $76.7M | $4.3M | ||
| Q3 25 | $18.2M | $295.0K | ||
| Q2 25 | $19.0M | $1.6M | ||
| Q1 25 | $31.7M | $-7.7M | ||
| Q4 24 | $63.2M | $8.0M | ||
| Q3 24 | $17.2M | $1.3M | ||
| Q2 24 | $8.7M | $-10.4M |
自由现金流IBCPRDI
| Q1 26 | — | — | ||
| Q4 25 | $70.2M | $4.1M | ||
| Q3 25 | $16.5M | $-246.0K | ||
| Q2 25 | $16.7M | $1.2M | ||
| Q1 25 | $30.6M | $-8.0M | ||
| Q4 24 | $55.2M | $7.0M | ||
| Q3 24 | $15.7M | $-1.1M | ||
| Q2 24 | $7.0M | $-10.6M |
自由现金流率IBCPRDI
| Q1 26 | — | — | ||
| Q4 25 | 120.3% | 8.2% | ||
| Q3 25 | 28.9% | -0.5% | ||
| Q2 25 | 29.8% | 1.9% | ||
| Q1 25 | 56.5% | -19.8% | ||
| Q4 24 | 89.1% | 12.0% | ||
| Q3 24 | 30.6% | -1.8% | ||
| Q2 24 | 12.3% | -22.7% |
资本支出强度IBCPRDI
| Q1 26 | — | — | ||
| Q4 25 | 11.1% | 0.3% | ||
| Q3 25 | 2.9% | 1.0% | ||
| Q2 25 | 4.1% | 0.6% | ||
| Q1 25 | 2.1% | 0.6% | ||
| Q4 24 | 12.8% | 1.7% | ||
| Q3 24 | 2.9% | 4.0% | ||
| Q2 24 | 3.1% | 0.5% |
现金转化率IBCPRDI
| Q1 26 | — | — | ||
| Q4 25 | 4.13× | — | ||
| Q3 25 | 1.04× | — | ||
| Q2 25 | 1.12× | — | ||
| Q1 25 | 2.03× | — | ||
| Q4 24 | 3.42× | — | ||
| Q3 24 | 1.25× | — | ||
| 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% |
RDI
| Cinema Exhibition Segment | $46.9M | 93% |
| Real Estate Revenue | $3.4M | 7% |
