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INDEPENDENT BANK CORP（IBCP）与REGENXBIO Inc.（RGNX）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REGENXBIO Inc.的1.9倍（$58.9M vs $30.3M），INDEPENDENT BANK CORP净利率更高（28.6% vs -221.3%，领先250.0%），过去两年REGENXBIO Inc.的营收复合增速更高（39.4% 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。
REGENXBIO Inc.是一家临床阶段生物技术企业，专注于开发针对罕见及严重遗传疾病的突破性基因疗法。公司拥有专有的腺相关病毒载体技术，既向全球生物制药合作伙伴提供技术授权，也自主推进多疾病领域的基因疗法管线研发。
IBCP vs RGNX — 直观对比
营收规模更大
IBCP
是对方的1.9倍
$30.3M
净利率更高
IBCP
高出250.0%
-221.3%
两年增速更快
RGNX
近两年复合增速
2.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $58.9M | $30.3M |
| 净利润 | $16.9M | $-67.1M |
| 毛利率 | — | — |
| 营业利润率 | — | -190.0% |
| 净利率 | 28.6% | -221.3% |
| 营收同比 | — | 43.0% |
| 净利润同比 | 8.2% | -31.2% |
| 每股收益（稀释后） | $0.81 | $-1.30 |
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IBCPRGNX
| Q1 26 | $58.9M | — | ||
| Q4 25 | $58.3M | $30.3M | ||
| Q3 25 | $57.3M | $29.7M | ||
| Q2 25 | $55.9M | $21.4M | ||
| Q1 25 | $54.1M | $89.0M | ||
| Q4 24 | $62.0M | $21.2M | ||
| Q3 24 | $51.4M | $24.2M | ||
| Q2 24 | $56.5M | $22.3M |
净利润IBCPRGNX
| Q1 26 | $16.9M | — | ||
| Q4 25 | $18.6M | $-67.1M | ||
| Q3 25 | $17.5M | $-61.9M | ||
| Q2 25 | $16.9M | $-70.9M | ||
| Q1 25 | $15.6M | $6.1M | ||
| Q4 24 | $18.5M | $-51.2M | ||
| Q3 24 | $13.8M | $-59.6M | ||
| Q2 24 | $18.5M | $-53.0M |
毛利率IBCPRGNX
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 70.2% | ||
| Q3 24 | — | 48.8% | ||
| Q2 24 | — | 52.5% |
营业利润率IBCPRGNX
| Q1 26 | — | — | ||
| Q4 25 | 34.8% | -190.0% | ||
| Q3 25 | 37.0% | -176.3% | ||
| Q2 25 | 37.0% | -296.3% | ||
| Q1 25 | 35.3% | 13.6% | ||
| Q4 24 | 36.7% | -242.1% | ||
| Q3 24 | 33.7% | -256.6% | ||
| Q2 24 | 41.0% | -251.3% |
净利率IBCPRGNX
| Q1 26 | 28.6% | — | ||
| Q4 25 | 31.8% | -221.3% | ||
| Q3 25 | 30.5% | -208.3% | ||
| Q2 25 | 30.2% | -331.8% | ||
| Q1 25 | 28.8% | 6.8% | ||
| Q4 24 | 29.8% | -241.3% | ||
| Q3 24 | 26.9% | -246.3% | ||
| Q2 24 | 32.8% | -237.7% |
每股收益（稀释后）IBCPRGNX
| Q1 26 | $0.81 | — | ||
| Q4 25 | $0.88 | $-1.30 | ||
| Q3 25 | $0.84 | $-1.20 | ||
| Q2 25 | $0.81 | $-1.38 | ||
| Q1 25 | $0.74 | $0.12 | ||
| Q4 24 | $0.87 | $-0.99 | ||
| Q3 24 | $0.65 | $-1.17 | ||
| Q2 24 | $0.88 | $-1.05 |
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 | $230.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $510.6M | $102.7M |
| 总资产 | $5.6B | $453.0M |
| 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IBCPRGNX
| Q1 26 | $174.9M | — | ||
| Q4 25 | $138.4M | $230.1M | ||
| Q3 25 | $208.7M | $274.2M | ||
| Q2 25 | $146.2M | $323.3M | ||
| Q1 25 | $128.1M | $267.9M | ||
| Q4 24 | $119.9M | $234.7M | ||
| Q3 24 | $121.6M | $255.5M | ||
| Q2 24 | $214.3M | $290.4M |
股东权益IBCPRGNX
| Q1 26 | $510.6M | — | ||
| Q4 25 | $503.0M | $102.7M | ||
| Q3 25 | $490.7M | $161.5M | ||
| Q2 25 | $469.3M | $213.7M | ||
| Q1 25 | $467.3M | $274.2M | ||
| Q4 24 | $454.7M | $259.7M | ||
| Q3 24 | $452.4M | $301.4M | ||
| Q2 24 | $430.5M | $348.3M |
总资产IBCPRGNX
| Q1 26 | $5.6B | — | ||
| Q4 25 | $5.5B | $453.0M | ||
| Q3 25 | $5.5B | $525.2M | ||
| Q2 25 | $5.4B | $581.0M | ||
| Q1 25 | $5.3B | $490.9M | ||
| Q4 24 | $5.3B | $466.0M | ||
| Q3 24 | $5.3B | $519.1M | ||
| Q2 24 | $5.3B | $569.4M |
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 | — | $-52.3M |
| 自由现金流经营现金流 - 资本支出 | — | $-52.8M |
| 自由现金流率自由现金流/营收 | — | -174.0% |
| 资本支出强度资本支出/营收 | — | 1.7% |
| 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 | — | $-126.4M |
8季度趋势，按日历期对齐
经营现金流IBCPRGNX
| Q1 26 | — | — | ||
| Q4 25 | $76.7M | $-52.3M | ||
| Q3 25 | $18.2M | $-56.0M | ||
| Q2 25 | $19.0M | $-49.3M | ||
| Q1 25 | $31.7M | $33.6M | ||
| Q4 24 | $63.2M | $-31.6M | ||
| Q3 24 | $17.2M | $-40.5M | ||
| Q2 24 | $8.7M | $-45.5M |
自由现金流IBCPRGNX
| Q1 26 | — | — | ||
| Q4 25 | $70.2M | $-52.8M | ||
| Q3 25 | $16.5M | $-56.5M | ||
| Q2 25 | $16.7M | $-49.7M | ||
| Q1 25 | $30.6M | $32.6M | ||
| Q4 24 | $55.2M | $-32.7M | ||
| Q3 24 | $15.7M | $-40.9M | ||
| Q2 24 | $7.0M | $-46.0M |
自由现金流率IBCPRGNX
| Q1 26 | — | — | ||
| Q4 25 | 120.3% | -174.0% | ||
| Q3 25 | 28.9% | -189.9% | ||
| Q2 25 | 29.8% | -232.8% | ||
| Q1 25 | 56.5% | 36.6% | ||
| Q4 24 | 89.1% | -154.2% | ||
| Q3 24 | 30.6% | -168.9% | ||
| Q2 24 | 12.3% | -206.2% |
资本支出强度IBCPRGNX
| Q1 26 | — | — | ||
| Q4 25 | 11.1% | 1.7% | ||
| Q3 25 | 2.9% | 1.7% | ||
| Q2 25 | 4.1% | 1.8% | ||
| Q1 25 | 2.1% | 1.2% | ||
| Q4 24 | 12.8% | 5.1% | ||
| Q3 24 | 2.9% | 1.3% | ||
| Q2 24 | 3.1% | 2.1% |
现金转化率IBCPRGNX
| Q1 26 | — | — | ||
| Q4 25 | 4.13× | — | ||
| Q3 25 | 1.04× | — | ||
| Q2 25 | 1.12× | — | ||
| Q1 25 | 2.03× | 5.53× | ||
| 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% |
RGNX
| Novartis Gene Therapies | $24.2M | 80% |
| Nippon Shinyaku Collaboration And License Agreement | $4.3M | 14% |
| Nippon Shinyaku Services | $1.4M | 5% |
