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INDEPENDENT BANK CORP（IBCP）与RECURSION PHARMACEUTICALS, INC.（RXRX）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RECURSION PHARMACEUTICALS, INC.的1.7倍（$58.9M vs $35.5M），INDEPENDENT BANK CORP净利率更高（28.6% vs -304.2%，领先332.9%），过去两年RECURSION PHARMACEUTICALS, INC.的营收复合增速更高（60.5% 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。
Recursion Pharmaceuticals是一家临床阶段生物技术企业，依托人工智能技术和高通量生物实验体系，开发针对罕见病、肿瘤、炎症性疾病等领域未满足医疗需求的创新疗法，核心市场覆盖北美，与全球多家生物制药企业合作推进在研管线落地。
IBCP vs RXRX — 直观对比
营收规模更大
IBCP
是对方的1.7倍
$35.5M
净利率更高
IBCP
高出332.9%
-304.2%
两年增速更快
RXRX
近两年复合增速
2.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $58.9M | $35.5M |
| 净利润 | $16.9M | $-108.1M |
| 毛利率 | — | 59.8% |
| 营业利润率 | — | -304.8% |
| 净利率 | 28.6% | -304.2% |
| 营收同比 | — | 681.7% |
| 净利润同比 | 8.2% | 39.6% |
| 每股收益（稀释后） | $0.81 | $-0.17 |
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IBCPRXRX
| Q1 26 | $58.9M | — | ||
| Q4 25 | $58.3M | $35.5M | ||
| Q3 25 | $57.3M | $5.2M | ||
| Q2 25 | $55.9M | $19.2M | ||
| Q1 25 | $54.1M | $14.7M | ||
| Q4 24 | $62.0M | $4.5M | ||
| Q3 24 | $51.4M | $26.1M | ||
| Q2 24 | $56.5M | $14.4M |
净利润IBCPRXRX
| Q1 26 | $16.9M | — | ||
| Q4 25 | $18.6M | $-108.1M | ||
| Q3 25 | $17.5M | $-162.3M | ||
| Q2 25 | $16.9M | $-171.9M | ||
| Q1 25 | $15.6M | $-202.5M | ||
| Q4 24 | $18.5M | $-178.9M | ||
| Q3 24 | $13.8M | $-95.8M | ||
| Q2 24 | $18.5M | $-97.5M |
毛利率IBCPRXRX
| Q1 26 | — | — | ||
| Q4 25 | — | 59.8% | ||
| Q3 25 | — | -183.8% | ||
| Q2 25 | — | -4.9% | ||
| Q1 25 | — | -48.0% | ||
| Q4 24 | — | -181.4% | ||
| Q3 24 | — | 53.7% | ||
| Q2 24 | — | 36.2% |
营业利润率IBCPRXRX
| Q1 26 | — | — | ||
| Q4 25 | 34.8% | -304.8% | ||
| Q3 25 | 37.0% | -3327.6% | ||
| Q2 25 | 37.0% | -916.8% | ||
| Q1 25 | 35.3% | -1297.9% | ||
| Q4 24 | 36.7% | -4042.4% | ||
| Q3 24 | 33.7% | -377.1% | ||
| Q2 24 | 41.0% | -697.4% |
净利率IBCPRXRX
| Q1 26 | 28.6% | — | ||
| Q4 25 | 31.8% | -304.2% | ||
| Q3 25 | 30.5% | -3135.3% | ||
| Q2 25 | 30.2% | -894.2% | ||
| Q1 25 | 28.8% | -1373.3% | ||
| Q4 24 | 29.8% | -3935.5% | ||
| Q3 24 | 26.9% | -367.5% | ||
| Q2 24 | 32.8% | -676.6% |
每股收益（稀释后）IBCPRXRX
| Q1 26 | $0.81 | — | ||
| Q4 25 | $0.88 | $-0.17 | ||
| Q3 25 | $0.84 | $-0.36 | ||
| Q2 25 | $0.81 | $-0.41 | ||
| Q1 25 | $0.74 | $-0.50 | ||
| Q4 24 | $0.87 | $-0.56 | ||
| Q3 24 | $0.65 | $-0.34 | ||
| Q2 24 | $0.88 | $-0.40 |
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 | $743.3M |
| 总债务越低越好 | — | $9.6M |
| 股东权益账面价值 | $510.6M | $1.1B |
| 总资产 | $5.6B | $1.5B |
| 负债/权益比越低杠杆越低 | — | 0.01× |
8季度趋势，按日历期对齐
现金及短期投资IBCPRXRX
| Q1 26 | $174.9M | — | ||
| Q4 25 | $138.4M | $743.3M | ||
| Q3 25 | $208.7M | $659.8M | ||
| Q2 25 | $146.2M | $525.1M | ||
| Q1 25 | $128.1M | $500.5M | ||
| Q4 24 | $119.9M | $594.4M | ||
| Q3 24 | $121.6M | $427.6M | ||
| Q2 24 | $214.3M | $474.3M |
总债务IBCPRXRX
| Q1 26 | — | — | ||
| Q4 25 | — | $9.6M | ||
| Q3 25 | — | $11.9M | ||
| Q2 25 | — | $14.2M | ||
| Q1 25 | — | $16.4M | ||
| Q4 24 | — | $19.0M | ||
| Q3 24 | — | $20.5M | ||
| Q2 24 | — | $22.9M |
股东权益IBCPRXRX
| Q1 26 | $510.6M | — | ||
| Q4 25 | $503.0M | $1.1B | ||
| Q3 25 | $490.7M | $1.0B | ||
| Q2 25 | $469.3M | $919.1M | ||
| Q1 25 | $467.3M | $933.9M | ||
| Q4 24 | $454.7M | $1.0B | ||
| Q3 24 | $452.4M | $524.6M | ||
| Q2 24 | $430.5M | $584.4M |
总资产IBCPRXRX
| Q1 26 | $5.6B | — | ||
| Q4 25 | $5.5B | $1.5B | ||
| Q3 25 | $5.5B | $1.4B | ||
| Q2 25 | $5.4B | $1.3B | ||
| Q1 25 | $5.3B | $1.3B | ||
| Q4 24 | $5.3B | $1.4B | ||
| Q3 24 | $5.3B | $726.5M | ||
| Q2 24 | $5.3B | $775.9M |
负债/权益比IBCPRXRX
| Q1 26 | — | — | ||
| Q4 25 | — | 0.01× | ||
| Q3 25 | — | 0.01× | ||
| Q2 25 | — | 0.02× | ||
| Q1 25 | — | 0.02× | ||
| Q4 24 | — | 0.02× | ||
| Q3 24 | — | 0.04× | ||
| Q2 24 | — | 0.04× |
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 | — | $-46.1M |
| 自由现金流经营现金流 - 资本支出 | — | $-47.3M |
| 自由现金流率自由现金流/营收 | — | -133.1% |
| 资本支出强度资本支出/营收 | — | 3.5% |
| 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 | — | $-378.3M |
8季度趋势，按日历期对齐
经营现金流IBCPRXRX
| Q1 26 | — | — | ||
| Q4 25 | $76.7M | $-46.1M | ||
| Q3 25 | $18.2M | $-117.4M | ||
| Q2 25 | $19.0M | $-76.4M | ||
| Q1 25 | $31.7M | $-132.0M | ||
| Q4 24 | $63.2M | $-115.4M | ||
| Q3 24 | $17.2M | $-59.2M | ||
| Q2 24 | $8.7M | $-82.2M |
自由现金流IBCPRXRX
| Q1 26 | — | — | ||
| Q4 25 | $70.2M | $-47.3M | ||
| Q3 25 | $16.5M | $-117.6M | ||
| Q2 25 | $16.7M | $-79.6M | ||
| Q1 25 | $30.6M | $-133.8M | ||
| Q4 24 | $55.2M | $-116.7M | ||
| Q3 24 | $15.7M | $-63.8M | ||
| Q2 24 | $7.0M | $-83.4M |
自由现金流率IBCPRXRX
| Q1 26 | — | — | ||
| Q4 25 | 120.3% | -133.1% | ||
| Q3 25 | 28.9% | -2272.5% | ||
| Q2 25 | 29.8% | -413.9% | ||
| Q1 25 | 56.5% | -907.4% | ||
| Q4 24 | 89.1% | -2567.7% | ||
| Q3 24 | 30.6% | -244.6% | ||
| Q2 24 | 12.3% | -578.5% |
资本支出强度IBCPRXRX
| Q1 26 | — | — | ||
| Q4 25 | 11.1% | 3.5% | ||
| Q3 25 | 2.9% | 4.7% | ||
| Q2 25 | 4.1% | 16.4% | ||
| Q1 25 | 2.1% | 12.4% | ||
| Q4 24 | 12.8% | 28.6% | ||
| Q3 24 | 2.9% | 17.5% | ||
| Q2 24 | 3.1% | 8.2% |
现金转化率IBCPRXRX
| 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% |
RXRX
暂无分部数据
