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INTERNATIONAL BANCSHARES CORP（IBOC）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
INTERNATIONAL BANCSHARES CORP的季度营收约是RESOURCES CONNECTION, INC.的1.8倍（$217.7M vs $117.7M），INTERNATIONAL BANCSHARES CORP净利率更高（62.3% vs -10.8%，领先73.1%），INTERNATIONAL BANCSHARES CORP同比增速更快（4.5% vs -19.2%），INTERNATIONAL BANCSHARES CORP自由现金流更多（$472.9M vs $15.6M），过去两年INTERNATIONAL BANCSHARES CORP的营收复合增速更高（2.8% vs -11.8%）
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。
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。
IBOC vs RGP — 直观对比
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $217.7M | $117.7M |
| 净利润 | $106.9M | $-12.7M |
| 毛利率 | — | 37.1% |
| 营业利润率 | 62.8% | -10.3% |
| 净利率 | 62.3% | -10.8% |
| 营收同比 | 4.5% | -19.2% |
| 净利润同比 | -7.1% | 81.6% |
| 每股收益（稀释后） | $1.71 | $-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
| Q4 25 | $217.7M | $117.7M | ||
| Q3 25 | $218.1M | $120.2M | ||
| Q2 25 | $208.2M | $139.3M | ||
| Q1 25 | $198.2M | $129.4M | ||
| Q4 24 | $208.3M | $145.6M | ||
| Q3 24 | $211.8M | $136.9M | ||
| Q2 24 | $207.8M | $148.2M | ||
| Q1 24 | $205.8M | $151.3M |
| Q4 25 | $106.9M | $-12.7M | ||
| Q3 25 | $108.4M | $-2.4M | ||
| Q2 25 | $100.1M | $-73.3M | ||
| Q1 25 | $96.9M | $-44.1M | ||
| Q4 24 | $115.1M | $-68.7M | ||
| Q3 24 | $99.8M | $-5.7M | ||
| Q2 24 | $97.0M | $10.5M | ||
| Q1 24 | $97.3M | $2.5M |
| 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% | ||
| Q1 24 | — | 37.0% |
| Q4 25 | 62.8% | -10.3% | ||
| Q3 25 | 62.6% | -1.7% | ||
| Q2 25 | 60.5% | -47.0% | ||
| Q1 25 | 61.1% | -38.4% | ||
| Q4 24 | 64.2% | -52.7% | ||
| Q3 24 | 60.0% | -3.5% | ||
| Q2 24 | 60.1% | 7.6% | ||
| Q1 24 | 59.9% | 2.8% |
| Q4 25 | 62.3% | -10.8% | ||
| Q3 25 | 49.7% | -2.0% | ||
| Q2 25 | 48.1% | -52.6% | ||
| Q1 25 | 48.9% | -34.0% | ||
| Q4 24 | 71.5% | -47.2% | ||
| Q3 24 | 47.1% | -4.2% | ||
| Q2 24 | 46.7% | 7.1% | ||
| Q1 24 | 47.3% | 1.7% |
| Q4 25 | $1.71 | $-0.38 | ||
| Q3 25 | $1.74 | $-0.07 | ||
| Q2 25 | $1.61 | $-2.21 | ||
| Q1 25 | $1.56 | $-1.34 | ||
| Q4 24 | $1.85 | $-2.08 | ||
| Q3 24 | $1.60 | $-0.17 | ||
| Q2 24 | $1.56 | $0.31 | ||
| Q1 24 | $1.56 | $0.08 |
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 | $89.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $3.3B | $194.6M |
| 总资产 | $16.6B | $289.3M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
| Q4 25 | $5.5B | $89.8M | ||
| Q3 25 | $5.6B | $77.5M | ||
| Q2 25 | $5.8B | $86.1M | ||
| Q1 25 | $5.6B | $72.5M | ||
| Q4 24 | $5.4B | $78.2M | ||
| Q3 24 | $5.8B | $89.6M | ||
| Q2 24 | $5.7B | $108.9M | ||
| Q1 24 | $5.7B | $113.8M |
| Q4 25 | $3.3B | $194.6M | ||
| Q3 25 | $3.1B | $206.4M | ||
| Q2 25 | $3.0B | $207.1M | ||
| Q1 25 | $2.9B | $277.8M | ||
| Q4 24 | $2.8B | $325.7M | ||
| Q3 24 | $2.7B | $407.2M | ||
| Q2 24 | $2.6B | $418.8M | ||
| Q1 24 | $2.5B | $414.9M |
| Q4 25 | $16.6B | $289.3M | ||
| Q3 25 | $16.6B | $287.2M | ||
| Q2 25 | $16.5B | $304.7M | ||
| Q1 25 | $16.3B | $375.6M | ||
| Q4 24 | $15.7B | $424.9M | ||
| Q3 24 | $15.9B | $512.9M | ||
| Q2 24 | $15.5B | $510.9M | ||
| Q1 24 | $15.4B | $523.2M |
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 | $15.9M |
| 自由现金流经营现金流 - 资本支出 | $472.9M | $15.6M |
| 自由现金流率自由现金流/营收 | 217.2% | 13.2% |
| 资本支出强度资本支出/营收 | 8.3% | 0.3% |
| 现金转化率经营现金流/净利润 | 4.59× | — |
| 过去12个月自由现金流最近4个季度 | $809.9M | $24.3M |
8季度趋势，按日历期对齐
| Q4 25 | $491.1M | $15.9M | ||
| Q3 25 | $115.2M | $-7.8M | ||
| Q2 25 | $95.5M | $16.8M | ||
| Q1 25 | $140.5M | $659.0K | ||
| Q4 24 | $473.9M | $1.8M | ||
| Q3 24 | $116.5M | $-309.0K | ||
| Q2 24 | $107.2M | $3.2M | ||
| Q1 24 | $135.4M | $20.5M |
| Q4 25 | $472.9M | $15.6M | ||
| Q3 25 | $112.2M | $-8.0M | ||
| Q2 25 | $91.6M | $16.5M | ||
| Q1 25 | $133.1M | $238.0K | ||
| Q4 24 | $459.8M | $61.0K | ||
| Q3 24 | $109.6M | $-575.0K | ||
| Q2 24 | $104.9M | $3.0M | ||
| Q1 24 | $128.9M | $20.4M |
| Q4 25 | 217.2% | 13.2% | ||
| Q3 25 | 51.5% | -6.6% | ||
| Q2 25 | 44.0% | 11.8% | ||
| Q1 25 | 67.1% | 0.2% | ||
| Q4 24 | 220.8% | 0.0% | ||
| Q3 24 | 51.7% | -0.4% | ||
| Q2 24 | 50.5% | 2.1% | ||
| Q1 24 | 62.6% | 13.5% |
| Q4 25 | 8.3% | 0.3% | ||
| Q3 25 | 1.3% | 0.1% | ||
| Q2 25 | 1.9% | 0.2% | ||
| Q1 25 | 3.7% | 0.3% | ||
| Q4 24 | 6.8% | 1.2% | ||
| Q3 24 | 3.3% | 0.2% | ||
| Q2 24 | 1.1% | 0.1% | ||
| Q1 24 | 3.2% | 0.1% |
| Q4 25 | 4.59× | — | ||
| Q3 25 | 1.06× | — | ||
| Q2 25 | 0.95× | — | ||
| Q1 25 | 1.45× | — | ||
| Q4 24 | 4.12× | — | ||
| Q3 24 | 1.17× | — | ||
| Q2 24 | 1.11× | 0.30× | ||
| Q1 24 | 1.39× | 8.04× |
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
IBOC
暂无分部数据
RGP
| US | $93.7M | 80% |
| Non Us | $24.0M | 20% |
