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INTERNATIONAL BANCSHARES CORP（IBOC）与REPLIGEN CORP（RGEN）财务数据对比。点击上方公司名可切换其他公司
INTERNATIONAL BANCSHARES CORP的季度营收约是REPLIGEN CORP的1.1倍（$217.7M vs $197.9M），INTERNATIONAL BANCSHARES CORP净利率更高（62.3% vs 6.7%，领先55.6%），REPLIGEN CORP同比增速更快（13.6% vs 4.5%），INTERNATIONAL BANCSHARES CORP自由现金流更多（$472.9M vs $17.6M），过去两年REPLIGEN CORP的营收复合增速更高（14.4% vs 2.8%）
国际银行股份公司（International Bancshares Corporation）是总部位于美国得克萨斯州拉雷多的银行控股公司，核心子公司为国际商业银行。目前集团通过旗下银行子公司运营217个营业网点、315台自动柜员机，服务覆盖得克萨斯州、俄克拉荷马州的88个城镇社区。
Repligen是一家全球生命科学企业，专注于创新生物工艺技术与系统的研发及商业化，助力提升生物药生产效率。公司1981年成立，总部位于美国马萨诸塞州沃尔瑟姆，于纳斯达克挂牌上市，股票代码RGEN，截至2025年全球员工超1900人，主要服务生物制药领域客户。
IBOC vs RGEN — 直观对比
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $217.7M | $197.9M |
| 净利润 | $106.9M | $13.3M |
| 毛利率 | — | 52.5% |
| 营业利润率 | 62.8% | 9.0% |
| 净利率 | 62.3% | 6.7% |
| 营收同比 | 4.5% | 13.6% |
| 净利润同比 | -7.1% | 143.9% |
| 每股收益（稀释后） | $1.71 | $0.24 |
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
| Q4 25 | $217.7M | $197.9M | ||
| Q3 25 | $218.1M | $188.8M | ||
| Q2 25 | $208.2M | $182.4M | ||
| Q1 25 | $198.2M | $169.2M | ||
| Q4 24 | $208.3M | $174.1M | ||
| Q3 24 | $211.8M | $154.9M | ||
| Q2 24 | $207.8M | $154.1M | ||
| Q1 24 | $205.8M | $151.3M |
| Q4 25 | $106.9M | $13.3M | ||
| Q3 25 | $108.4M | $14.9M | ||
| Q2 25 | $100.1M | $14.9M | ||
| Q1 25 | $96.9M | $5.8M | ||
| Q4 24 | $115.1M | $-30.3M | ||
| Q3 24 | $99.8M | $-654.0K | ||
| Q2 24 | $97.0M | $3.3M | ||
| Q1 24 | $97.3M | $2.1M |
| Q4 25 | — | 52.5% | ||
| Q3 25 | — | 53.2% | ||
| Q2 25 | — | 50.0% | ||
| Q1 25 | — | 53.6% | ||
| Q4 24 | — | 26.1% | ||
| Q3 24 | — | 50.0% | ||
| Q2 24 | — | 49.8% | ||
| Q1 24 | — | 49.5% |
| Q4 25 | 62.8% | 9.0% | ||
| Q3 25 | 62.6% | 8.9% | ||
| Q2 25 | 60.5% | 7.6% | ||
| Q1 25 | 61.1% | 3.9% | ||
| Q4 24 | 64.2% | -17.7% | ||
| Q3 24 | 60.0% | -5.1% | ||
| Q2 24 | 60.1% | 1.0% | ||
| Q1 24 | 59.9% | 1.3% |
| Q4 25 | 62.3% | 6.7% | ||
| Q3 25 | 49.7% | 7.9% | ||
| Q2 25 | 48.1% | 8.2% | ||
| Q1 25 | 48.9% | 3.4% | ||
| Q4 24 | 71.5% | -17.4% | ||
| Q3 24 | 47.1% | -0.4% | ||
| Q2 24 | 46.7% | 2.2% | ||
| Q1 24 | 47.3% | 1.4% |
| Q4 25 | $1.71 | $0.24 | ||
| Q3 25 | $1.74 | $0.26 | ||
| Q2 25 | $1.61 | $0.26 | ||
| Q1 25 | $1.56 | $0.10 | ||
| Q4 24 | $1.85 | $-0.55 | ||
| Q3 24 | $1.60 | $-0.01 | ||
| Q2 24 | $1.56 | $0.06 | ||
| Q1 24 | $1.56 | $0.04 |
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 | $5.5B | $767.6M |
| 总债务越低越好 | — | $542.2M |
| 股东权益账面价值 | $3.3B | $2.1B |
| 总资产 | $16.6B | $2.9B |
| 负债/权益比越低杠杆越低 | — | 0.26× |
8季度趋势，按日历期对齐
| Q4 25 | $5.5B | $767.6M | ||
| Q3 25 | $5.6B | $748.7M | ||
| Q2 25 | $5.8B | $708.9M | ||
| Q1 25 | $5.6B | $697.2M | ||
| Q4 24 | $5.4B | $757.4M | ||
| Q3 24 | $5.8B | $784.0M | ||
| Q2 24 | $5.7B | $809.1M | ||
| Q1 24 | $5.7B | $780.6M |
| Q4 25 | — | $542.2M | ||
| Q3 25 | — | $537.9M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $525.6M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $3.3B | $2.1B | ||
| Q3 25 | $3.1B | $2.1B | ||
| Q2 25 | $3.0B | $2.1B | ||
| Q1 25 | $2.9B | $2.0B | ||
| Q4 24 | $2.8B | $2.0B | ||
| Q3 24 | $2.7B | $2.0B | ||
| Q2 24 | $2.6B | $2.0B | ||
| Q1 24 | $2.5B | $2.0B |
| Q4 25 | $16.6B | $2.9B | ||
| Q3 25 | $16.6B | $2.9B | ||
| Q2 25 | $16.5B | $2.9B | ||
| Q1 25 | $16.3B | $2.9B | ||
| Q4 24 | $15.7B | $2.8B | ||
| Q3 24 | $15.9B | $2.8B | ||
| Q2 24 | $15.5B | $2.9B | ||
| Q1 24 | $15.4B | $2.8B |
| Q4 25 | — | 0.26× | ||
| Q3 25 | — | 0.26× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.27× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 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 | $491.1M | $25.7M |
| 自由现金流经营现金流 - 资本支出 | $472.9M | $17.6M |
| 自由现金流率自由现金流/营收 | 217.2% | 8.9% |
| 资本支出强度资本支出/营收 | 8.3% | 4.1% |
| 现金转化率经营现金流/净利润 | 4.59× | 1.93× |
| 过去12个月自由现金流最近4个季度 | $809.9M | $93.9M |
8季度趋势，按日历期对齐
| Q4 25 | $491.1M | $25.7M | ||
| Q3 25 | $115.2M | $48.1M | ||
| Q2 25 | $95.5M | $28.6M | ||
| Q1 25 | $140.5M | $15.0M | ||
| Q4 24 | $473.9M | $39.2M | ||
| Q3 24 | $116.5M | $49.3M | ||
| Q2 24 | $107.2M | $42.2M | ||
| Q1 24 | $135.4M | $44.7M |
| Q4 25 | $472.9M | $17.6M | ||
| Q3 25 | $112.2M | $43.4M | ||
| Q2 25 | $91.6M | $21.5M | ||
| Q1 25 | $133.1M | $11.4M | ||
| Q4 24 | $459.8M | $33.6M | ||
| Q3 24 | $109.6M | $42.3M | ||
| Q2 24 | $104.9M | $37.4M | ||
| Q1 24 | $128.9M | $36.4M |
| Q4 25 | 217.2% | 8.9% | ||
| Q3 25 | 51.5% | 23.0% | ||
| Q2 25 | 44.0% | 11.8% | ||
| Q1 25 | 67.1% | 6.8% | ||
| Q4 24 | 220.8% | 19.3% | ||
| Q3 24 | 51.7% | 27.3% | ||
| Q2 24 | 50.5% | 24.3% | ||
| Q1 24 | 62.6% | 24.0% |
| Q4 25 | 8.3% | 4.1% | ||
| Q3 25 | 1.3% | 2.5% | ||
| Q2 25 | 1.9% | 3.9% | ||
| Q1 25 | 3.7% | 2.1% | ||
| Q4 24 | 6.8% | 3.2% | ||
| Q3 24 | 3.3% | 4.5% | ||
| Q2 24 | 1.1% | 3.1% | ||
| Q1 24 | 3.2% | 5.5% |
| Q4 25 | 4.59× | 1.93× | ||
| Q3 25 | 1.06× | 3.23× | ||
| Q2 25 | 0.95× | 1.92× | ||
| Q1 25 | 1.45× | 2.57× | ||
| Q4 24 | 4.12× | — | ||
| Q3 24 | 1.17× | — | ||
| Q2 24 | 1.11× | 12.70× | ||
| Q1 24 | 1.39× | 21.35× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
