vs
INDEPENDENT BANK CORP（IBCP）与RESOURCES CONNECTION, INC.（RGP）财务数据对比。点击上方公司名可切换其他公司
RESOURCES CONNECTION, INC.的季度营收约是INDEPENDENT BANK CORP的2.0倍（$117.7M vs $58.9M），INDEPENDENT BANK CORP净利率更高（28.6% vs -10.8%，领先39.4%），过去两年INDEPENDENT BANK CORP的营收复合增速更高（2.1% vs -11.8%）
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。
RGP原名 Resources Global Professionals，是 Resources Connection, Inc. 的核心运营主体，面向全球客户提供多领域专业咨询服务，覆盖财务会计、信息管理、治理风险合规、人力资本、法务监管、企业咨询与重组、战略传播以及供应链管理等板块。
IBCP vs RGP — 直观对比
营收规模更大
RGP
是对方的2.0倍
$58.9M
净利率更高
IBCP
高出39.4%
-10.8%
两年增速更快
IBCP
近两年复合增速
-11.8%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $58.9M | $117.7M |
| 净利润 | $16.9M | $-12.7M |
| 毛利率 | — | 37.1% |
| 营业利润率 | — | -10.3% |
| 净利率 | 28.6% | -10.8% |
| 营收同比 | — | -19.2% |
| 净利润同比 | 8.2% | 81.6% |
| 每股收益（稀释后） | $0.81 | $-0.38 |
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IBCPRGP
| Q1 26 | $58.9M | — | ||
| Q4 25 | $58.3M | $117.7M | ||
| Q3 25 | $57.3M | $120.2M | ||
| Q2 25 | $55.9M | $139.3M | ||
| Q1 25 | $54.1M | $129.4M | ||
| Q4 24 | $62.0M | $145.6M | ||
| Q3 24 | $51.4M | $136.9M | ||
| Q2 24 | $56.5M | $148.2M |
净利润IBCPRGP
| Q1 26 | $16.9M | — | ||
| Q4 25 | $18.6M | $-12.7M | ||
| Q3 25 | $17.5M | $-2.4M | ||
| Q2 25 | $16.9M | $-73.3M | ||
| Q1 25 | $15.6M | $-44.1M | ||
| Q4 24 | $18.5M | $-68.7M | ||
| Q3 24 | $13.8M | $-5.7M | ||
| Q2 24 | $18.5M | $10.5M |
毛利率IBCPRGP
| Q1 26 | — | — | ||
| Q4 25 | — | 37.1% | ||
| Q3 25 | — | 39.5% | ||
| Q2 25 | — | 40.2% | ||
| Q1 25 | — | 35.1% | ||
| Q4 24 | — | 38.5% | ||
| Q3 24 | — | 36.5% | ||
| Q2 24 | — | 40.2% |
营业利润率IBCPRGP
| Q1 26 | — | — | ||
| Q4 25 | 34.8% | -10.3% | ||
| Q3 25 | 37.0% | -1.7% | ||
| Q2 25 | 37.0% | -47.0% | ||
| Q1 25 | 35.3% | -38.4% | ||
| Q4 24 | 36.7% | -52.7% | ||
| Q3 24 | 33.7% | -3.5% | ||
| Q2 24 | 41.0% | 7.6% |
净利率IBCPRGP
| Q1 26 | 28.6% | — | ||
| Q4 25 | 31.8% | -10.8% | ||
| Q3 25 | 30.5% | -2.0% | ||
| Q2 25 | 30.2% | -52.6% | ||
| Q1 25 | 28.8% | -34.0% | ||
| Q4 24 | 29.8% | -47.2% | ||
| Q3 24 | 26.9% | -4.2% | ||
| Q2 24 | 32.8% | 7.1% |
每股收益（稀释后）IBCPRGP
| Q1 26 | $0.81 | — | ||
| Q4 25 | $0.88 | $-0.38 | ||
| Q3 25 | $0.84 | $-0.07 | ||
| Q2 25 | $0.81 | $-2.21 | ||
| Q1 25 | $0.74 | $-1.34 | ||
| Q4 24 | $0.87 | $-2.08 | ||
| Q3 24 | $0.65 | $-0.17 | ||
| Q2 24 | $0.88 | $0.31 |
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 | $89.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $510.6M | $194.6M |
| 总资产 | $5.6B | $289.3M |
| 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IBCPRGP
| Q1 26 | $174.9M | — | ||
| Q4 25 | $138.4M | $89.8M | ||
| Q3 25 | $208.7M | $77.5M | ||
| Q2 25 | $146.2M | $86.1M | ||
| Q1 25 | $128.1M | $72.5M | ||
| Q4 24 | $119.9M | $78.2M | ||
| Q3 24 | $121.6M | $89.6M | ||
| Q2 24 | $214.3M | $108.9M |
股东权益IBCPRGP
| Q1 26 | $510.6M | — | ||
| Q4 25 | $503.0M | $194.6M | ||
| Q3 25 | $490.7M | $206.4M | ||
| Q2 25 | $469.3M | $207.1M | ||
| Q1 25 | $467.3M | $277.8M | ||
| Q4 24 | $454.7M | $325.7M | ||
| Q3 24 | $452.4M | $407.2M | ||
| Q2 24 | $430.5M | $418.8M |
总资产IBCPRGP
| Q1 26 | $5.6B | — | ||
| Q4 25 | $5.5B | $289.3M | ||
| Q3 25 | $5.5B | $287.2M | ||
| Q2 25 | $5.4B | $304.7M | ||
| Q1 25 | $5.3B | $375.6M | ||
| Q4 24 | $5.3B | $424.9M | ||
| Q3 24 | $5.3B | $512.9M | ||
| Q2 24 | $5.3B | $510.9M |
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 | — | $15.9M |
| 自由现金流经营现金流 - 资本支出 | — | $15.6M |
| 自由现金流率自由现金流/营收 | — | 13.2% |
| 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 | — | $24.3M |
8季度趋势，按日历期对齐
经营现金流IBCPRGP
| Q1 26 | — | — | ||
| Q4 25 | $76.7M | $15.9M | ||
| Q3 25 | $18.2M | $-7.8M | ||
| Q2 25 | $19.0M | $16.8M | ||
| Q1 25 | $31.7M | $659.0K | ||
| Q4 24 | $63.2M | $1.8M | ||
| Q3 24 | $17.2M | $-309.0K | ||
| Q2 24 | $8.7M | $3.2M |
自由现金流IBCPRGP
| Q1 26 | — | — | ||
| Q4 25 | $70.2M | $15.6M | ||
| Q3 25 | $16.5M | $-8.0M | ||
| Q2 25 | $16.7M | $16.5M | ||
| Q1 25 | $30.6M | $238.0K | ||
| Q4 24 | $55.2M | $61.0K | ||
| Q3 24 | $15.7M | $-575.0K | ||
| Q2 24 | $7.0M | $3.0M |
自由现金流率IBCPRGP
| Q1 26 | — | — | ||
| Q4 25 | 120.3% | 13.2% | ||
| Q3 25 | 28.9% | -6.6% | ||
| Q2 25 | 29.8% | 11.8% | ||
| Q1 25 | 56.5% | 0.2% | ||
| Q4 24 | 89.1% | 0.0% | ||
| Q3 24 | 30.6% | -0.4% | ||
| Q2 24 | 12.3% | 2.1% |
资本支出强度IBCPRGP
| Q1 26 | — | — | ||
| Q4 25 | 11.1% | 0.3% | ||
| Q3 25 | 2.9% | 0.1% | ||
| Q2 25 | 4.1% | 0.2% | ||
| Q1 25 | 2.1% | 0.3% | ||
| Q4 24 | 12.8% | 1.2% | ||
| Q3 24 | 2.9% | 0.2% | ||
| Q2 24 | 3.1% | 0.1% |
现金转化率IBCPRGP
| 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× | 0.30× |
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% |
RGP
| US | $93.7M | 80% |
| Non Us | $24.0M | 20% |
