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INDEPENDENT BANK CORP（IBCP）与RCI HOSPITALITY HOLDINGS, INC.（RICK）财务数据对比。点击上方公司名可切换其他公司
RCI HOSPITALITY HOLDINGS, INC.的季度营收约是INDEPENDENT BANK CORP的1.2倍（$70.9M vs $58.9M），INDEPENDENT BANK CORP净利率更高（28.6% vs -7.8%，领先36.4%），过去两年INDEPENDENT BANK CORP的营收复合增速更高（2.1% vs -2.0%）
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。
RCI Hospitality控股通过子公司经营脱衣舞俱乐部、夜总会、运动酒吧与餐厅，同时还运营一家为成人俱乐部行业提供服务的传媒会展企业。公司于1995年完成首次公开募股上市，目前在纳斯达克全球市场挂牌交易。
IBCP vs RICK — 直观对比
营收规模更大
RICK
是对方的1.2倍
$58.9M
净利率更高
IBCP
高出36.4%
-7.8%
两年增速更快
IBCP
近两年复合增速
-2.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $58.9M | $70.9M |
| 净利润 | $16.9M | $-5.5M |
| 毛利率 | — | — |
| 营业利润率 | — | -0.7% |
| 净利率 | 28.6% | -7.8% |
| 营收同比 | — | -3.1% |
| 净利润同比 | 8.2% | -2354.9% |
| 每股收益（稀释后） | $0.81 | $-0.60 |
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IBCPRICK
| Q1 26 | $58.9M | — | ||
| Q4 25 | $58.3M | — | ||
| Q3 25 | $57.3M | $70.9M | ||
| Q2 25 | $55.9M | $71.1M | ||
| Q1 25 | $54.1M | $65.9M | ||
| Q4 24 | $62.0M | $71.5M | ||
| Q3 24 | $51.4M | $73.2M | ||
| Q2 24 | $56.5M | $76.2M |
净利润IBCPRICK
| Q1 26 | $16.9M | — | ||
| Q4 25 | $18.6M | — | ||
| Q3 25 | $17.5M | $-5.5M | ||
| Q2 25 | $16.9M | $4.1M | ||
| Q1 25 | $15.6M | $3.2M | ||
| Q4 24 | $18.5M | $9.0M | ||
| Q3 24 | $13.8M | $244.0K | ||
| Q2 24 | $18.5M | $-5.2M |
营业利润率IBCPRICK
| Q1 26 | — | — | ||
| Q4 25 | 34.8% | — | ||
| Q3 25 | 37.0% | -0.7% | ||
| Q2 25 | 37.0% | 12.2% | ||
| Q1 25 | 35.3% | 12.4% | ||
| Q4 24 | 36.7% | 19.5% | ||
| Q3 24 | 33.7% | 4.8% | ||
| Q2 24 | 41.0% | -3.3% |
净利率IBCPRICK
| Q1 26 | 28.6% | — | ||
| Q4 25 | 31.8% | — | ||
| Q3 25 | 30.5% | -7.8% | ||
| Q2 25 | 30.2% | 5.7% | ||
| Q1 25 | 28.8% | 4.9% | ||
| Q4 24 | 29.8% | 12.6% | ||
| Q3 24 | 26.9% | 0.3% | ||
| Q2 24 | 32.8% | -6.9% |
每股收益（稀释后）IBCPRICK
| Q1 26 | $0.81 | — | ||
| Q4 25 | $0.88 | — | ||
| Q3 25 | $0.84 | $-0.60 | ||
| Q2 25 | $0.81 | $0.46 | ||
| Q1 25 | $0.74 | $0.36 | ||
| Q4 24 | $0.87 | $1.01 | ||
| Q3 24 | $0.65 | $0.04 | ||
| Q2 24 | $0.88 | $-0.56 |
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 | $33.7M |
| 总债务越低越好 | — | $238.2M |
| 股东权益账面价值 | $510.6M | $261.1M |
| 总资产 | $5.6B | $596.9M |
| 负债/权益比越低杠杆越低 | — | 0.91× |
8季度趋势，按日历期对齐
现金及短期投资IBCPRICK
| Q1 26 | $174.9M | — | ||
| Q4 25 | $138.4M | — | ||
| Q3 25 | $208.7M | $33.7M | ||
| Q2 25 | $146.2M | $29.3M | ||
| Q1 25 | $128.1M | $32.7M | ||
| Q4 24 | $119.9M | $34.7M | ||
| Q3 24 | $121.6M | $32.4M | ||
| Q2 24 | $214.3M | $34.9M |
总债务IBCPRICK
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $238.2M | ||
| Q2 25 | — | $243.8M | ||
| Q1 25 | — | $244.1M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $241.1M | ||
| Q2 24 | — | — |
股东权益IBCPRICK
| Q1 26 | $510.6M | — | ||
| Q4 25 | $503.0M | — | ||
| Q3 25 | $490.7M | $261.1M | ||
| Q2 25 | $469.3M | $269.5M | ||
| Q1 25 | $467.3M | $268.8M | ||
| Q4 24 | $454.7M | $269.0M | ||
| Q3 24 | $452.4M | $263.4M | ||
| Q2 24 | $430.5M | $271.2M |
总资产IBCPRICK
| Q1 26 | $5.6B | — | ||
| Q4 25 | $5.5B | — | ||
| Q3 25 | $5.5B | $596.9M | ||
| Q2 25 | $5.4B | $597.4M | ||
| Q1 25 | $5.3B | $589.8M | ||
| Q4 24 | $5.3B | $586.2M | ||
| Q3 24 | $5.3B | $584.4M | ||
| Q2 24 | $5.3B | $601.0M |
负债/权益比IBCPRICK
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 0.91× | ||
| Q2 25 | — | 0.90× | ||
| Q1 25 | — | 0.91× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.92× | ||
| Q2 24 | — | — |
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 | — | $13.7M |
| 自由现金流经营现金流 - 资本支出 | — | $11.5M |
| 自由现金流率自由现金流/营收 | — | 16.2% |
| 资本支出强度资本支出/营收 | — | 3.2% |
| 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 | — | $34.9M |
8季度趋势，按日历期对齐
经营现金流IBCPRICK
| Q1 26 | — | — | ||
| Q4 25 | $76.7M | — | ||
| Q3 25 | $18.2M | $13.7M | ||
| Q2 25 | $19.0M | $13.8M | ||
| Q1 25 | $31.7M | $8.5M | ||
| Q4 24 | $63.2M | $13.3M | ||
| Q3 24 | $17.2M | $15.7M | ||
| Q2 24 | $8.7M | $15.8M |
自由现金流IBCPRICK
| Q1 26 | — | — | ||
| Q4 25 | $70.2M | — | ||
| Q3 25 | $16.5M | $11.5M | ||
| Q2 25 | $16.7M | $10.1M | ||
| Q1 25 | $30.6M | $5.7M | ||
| Q4 24 | $55.2M | $7.6M | ||
| Q3 24 | $15.7M | $10.3M | ||
| Q2 24 | $7.0M | $9.3M |
自由现金流率IBCPRICK
| Q1 26 | — | — | ||
| Q4 25 | 120.3% | — | ||
| Q3 25 | 28.9% | 16.2% | ||
| Q2 25 | 29.8% | 14.2% | ||
| Q1 25 | 56.5% | 8.6% | ||
| Q4 24 | 89.1% | 10.6% | ||
| Q3 24 | 30.6% | 14.0% | ||
| Q2 24 | 12.3% | 12.3% |
资本支出强度IBCPRICK
| Q1 26 | — | — | ||
| Q4 25 | 11.1% | — | ||
| Q3 25 | 2.9% | 3.2% | ||
| Q2 25 | 4.1% | 5.2% | ||
| Q1 25 | 2.1% | 4.3% | ||
| Q4 24 | 12.8% | 8.0% | ||
| Q3 24 | 2.9% | 7.3% | ||
| Q2 24 | 3.1% | 8.4% |
现金转化率IBCPRICK
| Q1 26 | — | — | ||
| Q4 25 | 4.13× | — | ||
| Q3 25 | 1.04× | — | ||
| Q2 25 | 1.12× | 3.40× | ||
| Q1 25 | 2.03× | 2.65× | ||
| Q4 24 | 3.42× | 1.48× | ||
| Q3 24 | 1.25× | 64.14× | ||
| 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% |
RICK
| Transferred At Point In Time | $60.8M | 86% |
| Food And Merchandise | $10.4M | 15% |
