vs
First Internet Bancorp（INBK）与RBB Bancorp（RBB）财务数据对比。点击上方公司名可切换其他公司
RBB Bancorp的季度营收约是First Internet Bancorp的1.1倍（$32.3M vs $30.3M），RBB Bancorp净利率更高（31.5% vs 17.4%，领先14.1%），First Internet Bancorp同比增速更快（28.8% vs 12.6%），RBB Bancorp自由现金流更多（$42.6M vs $2.2M），过去两年RBB Bancorp的营收复合增速更高（7.0% vs 2.1%）
第一互联网班克公司是一家美国银行控股公司，总部位于印第安纳州费舍尔斯，旗下唯一子公司为印第安纳第一互联网银行。该银行是美国最早一批仅通过线上与电话开展业务、不设实体网点的州特许银行之一。
RBB银行控股公司是总部位于美国的金融控股集团，旗下核心主体为皇家商业银行，主要服务亚裔社群、中小微企业、不动产投资者及零售客户，提供商业信贷、储蓄存款、财富管理等多元金融服务，业务覆盖美国沿海核心都会区。
INBK vs RBB — 直观对比
营收规模更大
RBB
是对方的1.1倍
$30.3M
营收增速更快
INBK
高出16.2%
12.6%
净利率更高
RBB
高出14.1%
17.4%
自由现金流更多
RBB
多$40.4M
$2.2M
两年增速更快
RBB
近两年复合增速
2.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $30.3M | $32.3M |
| 净利润 | $5.3M | $10.2M |
| 毛利率 | — | — |
| 营业利润率 | 18.1% | 39.5% |
| 净利率 | 17.4% | 31.5% |
| 营收同比 | 28.8% | 12.6% |
| 净利润同比 | -27.8% | 132.1% |
| 每股收益（稀释后） | $0.60 | $0.59 |
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INBKRBB
| Q4 25 | $30.3M | $32.3M | ||
| Q3 25 | $5.7M | $32.6M | ||
| Q2 25 | $33.5M | $35.8M | ||
| Q1 25 | $35.5M | $28.5M | ||
| Q4 24 | $39.5M | $28.7M | ||
| Q3 24 | $33.8M | $30.3M | ||
| Q2 24 | $32.4M | $27.5M | ||
| Q1 24 | $29.1M | $28.2M |
净利润INBKRBB
| Q4 25 | $5.3M | $10.2M | ||
| Q3 25 | $-41.6M | $10.1M | ||
| Q2 25 | $193.0K | $9.3M | ||
| Q1 25 | $943.0K | $2.3M | ||
| Q4 24 | $7.3M | $4.4M | ||
| Q3 24 | $7.0M | $7.0M | ||
| Q2 24 | $5.8M | $7.2M | ||
| Q1 24 | $5.2M | $8.0M |
营业利润率INBKRBB
| Q4 25 | 18.1% | 39.5% | ||
| Q3 25 | -956.1% | 40.7% | ||
| Q2 25 | -5.5% | 36.1% | ||
| Q1 25 | 0.1% | 11.2% | ||
| Q4 24 | 21.1% | 17.6% | ||
| Q3 24 | 22.5% | 31.6% | ||
| Q2 24 | 18.5% | 35.6% | ||
| Q1 24 | 19.3% | 39.9% |
净利率INBKRBB
| Q4 25 | 17.4% | 31.5% | ||
| Q3 25 | -729.1% | 31.2% | ||
| Q2 25 | 0.6% | 26.1% | ||
| Q1 25 | 2.7% | 8.0% | ||
| Q4 24 | 18.6% | 15.3% | ||
| Q3 24 | 20.7% | 23.1% | ||
| Q2 24 | 17.8% | 26.4% | ||
| Q1 24 | 17.8% | 28.4% |
每股收益（稀释后）INBKRBB
| Q4 25 | $0.60 | $0.59 | ||
| Q3 25 | $-4.76 | $0.59 | ||
| Q2 25 | $0.02 | $0.52 | ||
| Q1 25 | $0.11 | $0.13 | ||
| Q4 24 | $0.82 | $0.26 | ||
| Q3 24 | $0.80 | $0.39 | ||
| Q2 24 | $0.67 | $0.39 | ||
| Q1 24 | $0.59 | $0.43 |
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 | $456.8M | $212.3M |
| 总债务越低越好 | $249.5M | $119.9M |
| 股东权益账面价值 | $359.8M | $523.4M |
| 总资产 | $5.6B | $4.2B |
| 负债/权益比越低杠杆越低 | 0.69× | 0.23× |
8季度趋势，按日历期对齐
现金及短期投资INBKRBB
| Q4 25 | $456.8M | $212.3M | ||
| Q3 25 | $787.7M | $234.9M | ||
| Q2 25 | $446.4M | $191.9M | ||
| Q1 25 | $394.5M | $238.8M | ||
| Q4 24 | $466.4M | $257.7M | ||
| Q3 24 | $712.5M | $349.4M | ||
| Q2 24 | $396.8M | $252.8M | ||
| Q1 24 | $481.3M | — |
总债务INBKRBB
| Q4 25 | $249.5M | $119.9M | ||
| Q3 25 | — | $119.8M | ||
| Q2 25 | — | $119.7M | ||
| Q1 25 | — | $119.6M | ||
| Q4 24 | $295.0M | $119.5M | ||
| Q3 24 | — | $119.4M | ||
| Q2 24 | — | $119.3M | ||
| Q1 24 | — | $119.2M |
股东权益INBKRBB
| Q4 25 | $359.8M | $523.4M | ||
| Q3 25 | $352.2M | $514.3M | ||
| Q2 25 | $390.2M | $517.7M | ||
| Q1 25 | $387.7M | $510.3M | ||
| Q4 24 | $384.1M | $507.9M | ||
| Q3 24 | $385.1M | $509.7M | ||
| Q2 24 | $372.0M | $511.3M | ||
| Q1 24 | $366.7M | $514.0M |
总资产INBKRBB
| Q4 25 | $5.6B | $4.2B | ||
| Q3 25 | $5.6B | $4.2B | ||
| Q2 25 | $6.1B | $4.1B | ||
| Q1 25 | $5.9B | $4.0B | ||
| Q4 24 | $5.7B | $4.0B | ||
| Q3 24 | $5.8B | $4.0B | ||
| Q2 24 | $5.3B | $3.9B | ||
| Q1 24 | $5.3B | $3.9B |
负债/权益比INBKRBB
| Q4 25 | 0.69× | 0.23× | ||
| Q3 25 | — | 0.23× | ||
| Q2 25 | — | 0.23× | ||
| Q1 25 | — | 0.23× | ||
| Q4 24 | 0.77× | 0.24× | ||
| Q3 24 | — | 0.23× | ||
| Q2 24 | — | 0.23× | ||
| Q1 24 | — | 0.23× |
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 | $3.4M | $43.4M |
| 自由现金流经营现金流 - 资本支出 | $2.2M | $42.6M |
| 自由现金流率自由现金流/营收 | 7.3% | 131.8% |
| 资本支出强度资本支出/营收 | 4.0% | 2.5% |
| 现金转化率经营现金流/净利润 | 0.65× | 4.26× |
| 过去12个月自由现金流最近4个季度 | $-19.0M | $73.5M |
8季度趋势，按日历期对齐
经营现金流INBKRBB
| Q4 25 | $3.4M | $43.4M | ||
| Q3 25 | $37.1M | $2.1M | ||
| Q2 25 | $-90.2M | $21.7M | ||
| Q1 25 | $32.8M | $7.8M | ||
| Q4 24 | $13.0M | $58.5M | ||
| Q3 24 | $331.0K | $24.5M | ||
| Q2 24 | $16.0M | $11.7M | ||
| Q1 24 | $2.8M | $4.8M |
自由现金流INBKRBB
| Q4 25 | $2.2M | $42.6M | ||
| Q3 25 | $37.0M | $1.8M | ||
| Q2 25 | $-90.8M | $21.6M | ||
| Q1 25 | $32.6M | $7.6M | ||
| Q4 24 | $10.4M | $57.7M | ||
| Q3 24 | $-270.0K | $24.2M | ||
| Q2 24 | $15.5M | $11.5M | ||
| Q1 24 | $1.9M | $4.7M |
自由现金流率INBKRBB
| Q4 25 | 7.3% | 131.8% | ||
| Q3 25 | 648.0% | 5.4% | ||
| Q2 25 | -270.7% | 60.2% | ||
| Q1 25 | 91.9% | 26.7% | ||
| Q4 24 | 26.3% | 201.0% | ||
| Q3 24 | -0.8% | 80.0% | ||
| Q2 24 | 47.8% | 42.0% | ||
| Q1 24 | 6.4% | 16.6% |
资本支出强度INBKRBB
| Q4 25 | 4.0% | 2.5% | ||
| Q3 25 | 1.9% | 1.1% | ||
| Q2 25 | 1.9% | 0.3% | ||
| Q1 25 | 0.5% | 0.6% | ||
| Q4 24 | 6.6% | 2.7% | ||
| Q3 24 | 1.8% | 0.8% | ||
| Q2 24 | 1.7% | 0.5% | ||
| Q1 24 | 3.2% | 0.5% |
现金转化率INBKRBB
| Q4 25 | 0.65× | 4.26× | ||
| Q3 25 | — | 0.21× | ||
| Q2 25 | -467.21× | 2.32× | ||
| Q1 25 | 34.81× | 3.39× | ||
| Q4 24 | 1.77× | 13.34× | ||
| Q3 24 | 0.05× | 3.50× | ||
| Q2 24 | 2.77× | 1.61× | ||
| Q1 24 | 0.54× | 0.60× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
