vs
First Internet Bancorp（INBK）与READING INTERNATIONAL INC（RDI）财务数据对比。点击上方公司名可切换其他公司
READING INTERNATIONAL INC的季度营收约是First Internet Bancorp的1.2倍（$50.3M vs $43.1M），First Internet Bancorp净利率更高（5.8% vs -5.1%，领先10.9%），过去两年First Internet Bancorp的营收复合增速更高（15.4% vs 5.6%）
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。
雷丁公司是总部位于美国费城的铁路企业，1924年起在宾夕法尼亚州东部及周边各州提供客运与货运运输服务，直至1976年被联合铁路公司收购。
INBK vs RDI — 直观对比
营收规模更大
RDI
是对方的1.2倍
$43.1M
净利率更高
INBK
高出10.9%
-5.1%
两年增速更快
INBK
近两年复合增速
5.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $43.1M | $50.3M |
| 净利润 | $2.5M | $-2.6M |
| 毛利率 | — | — |
| 营业利润率 | — | -1.9% |
| 净利率 | 5.8% | -5.1% |
| 营收同比 | — | -14.2% |
| 净利润同比 | — | -14.5% |
| 每股收益（稀释后） | $0.29 | $-0.11 |
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INBKRDI
| Q1 26 | $43.1M | — | ||
| Q4 25 | $30.3M | $50.3M | ||
| Q3 25 | $5.7M | $52.2M | ||
| Q2 25 | $33.5M | $60.4M | ||
| Q1 25 | $35.5M | $40.2M | ||
| Q4 24 | $39.5M | $58.6M | ||
| Q3 24 | $33.8M | $60.1M | ||
| Q2 24 | $32.4M | $46.8M |
净利润INBKRDI
| Q1 26 | $2.5M | — | ||
| Q4 25 | $5.3M | $-2.6M | ||
| Q3 25 | $-41.6M | $-4.2M | ||
| Q2 25 | $193.0K | $-2.7M | ||
| Q1 25 | $943.0K | $-4.8M | ||
| Q4 24 | $7.3M | $-2.2M | ||
| Q3 24 | $7.0M | $-7.0M | ||
| Q2 24 | $5.8M | $-12.8M |
营业利润率INBKRDI
| Q1 26 | — | — | ||
| Q4 25 | 18.1% | -1.9% | ||
| Q3 25 | -956.1% | -0.6% | ||
| Q2 25 | -5.5% | 4.8% | ||
| Q1 25 | 0.1% | -17.2% | ||
| Q4 24 | 21.1% | 2.6% | ||
| Q3 24 | 22.5% | -0.6% | ||
| Q2 24 | 18.5% | -16.4% |
净利率INBKRDI
| Q1 26 | 5.8% | — | ||
| Q4 25 | 17.4% | -5.1% | ||
| Q3 25 | -729.1% | -8.0% | ||
| Q2 25 | 0.6% | -4.4% | ||
| Q1 25 | 2.7% | -11.8% | ||
| Q4 24 | 18.6% | -3.8% | ||
| Q3 24 | 20.7% | -11.7% | ||
| Q2 24 | 17.8% | -27.4% |
每股收益（稀释后）INBKRDI
| Q1 26 | $0.29 | — | ||
| Q4 25 | $0.60 | $-0.11 | ||
| Q3 25 | $-4.76 | $-0.18 | ||
| Q2 25 | $0.02 | $-0.12 | ||
| Q1 25 | $0.11 | $-0.21 | ||
| Q4 24 | $0.82 | $-0.11 | ||
| Q3 24 | $0.80 | $-0.31 | ||
| Q2 24 | $0.67 | $-0.57 |
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 | — | $10.5M |
| 总债务越低越好 | — | $185.1M |
| 股东权益账面价值 | $374.3M | $-18.2M |
| 总资产 | $5.6B | $434.9M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资INBKRDI
| Q1 26 | — | — | ||
| Q4 25 | $456.8M | $10.5M | ||
| Q3 25 | $787.7M | $8.1M | ||
| Q2 25 | $446.4M | $9.1M | ||
| Q1 25 | $394.5M | $5.9M | ||
| Q4 24 | $466.4M | $12.4M | ||
| Q3 24 | $712.5M | $10.1M | ||
| Q2 24 | $396.8M | $9.3M |
总债务INBKRDI
| Q1 26 | — | — | ||
| Q4 25 | $249.5M | $185.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $295.0M | $202.7M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益INBKRDI
| Q1 26 | $374.3M | — | ||
| Q4 25 | $359.8M | $-18.2M | ||
| Q3 25 | $352.2M | $-12.1M | ||
| Q2 25 | $390.2M | $-7.7M | ||
| Q1 25 | $387.7M | $-8.1M | ||
| Q4 24 | $384.1M | $-4.4M | ||
| Q3 24 | $385.1M | $1.6M | ||
| Q2 24 | $372.0M | $6.5M |
总资产INBKRDI
| Q1 26 | $5.6B | — | ||
| Q4 25 | $5.6B | $434.9M | ||
| Q3 25 | $5.6B | $435.2M | ||
| Q2 25 | $6.1B | $438.1M | ||
| Q1 25 | $5.9B | $441.0M | ||
| Q4 24 | $5.7B | $471.0M | ||
| Q3 24 | $5.8B | $495.7M | ||
| Q2 24 | $5.3B | $494.9M |
负债/权益比INBKRDI
| Q1 26 | — | — | ||
| Q4 25 | 0.69× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.77× | — | ||
| Q3 24 | — | — | ||
| 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 | — | $4.3M |
| 自由现金流经营现金流 - 资本支出 | — | $4.1M |
| 自由现金流率自由现金流/营收 | — | 8.2% |
| 资本支出强度资本支出/营收 | — | 0.3% |
| 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 | — | $-2.9M |
8季度趋势，按日历期对齐
经营现金流INBKRDI
| Q1 26 | — | — | ||
| Q4 25 | $3.4M | $4.3M | ||
| Q3 25 | $37.1M | $295.0K | ||
| Q2 25 | $-90.2M | $1.6M | ||
| Q1 25 | $32.8M | $-7.7M | ||
| Q4 24 | $13.0M | $8.0M | ||
| Q3 24 | $331.0K | $1.3M | ||
| Q2 24 | $16.0M | $-10.4M |
自由现金流INBKRDI
| Q1 26 | — | — | ||
| Q4 25 | $2.2M | $4.1M | ||
| Q3 25 | $37.0M | $-246.0K | ||
| Q2 25 | $-90.8M | $1.2M | ||
| Q1 25 | $32.6M | $-8.0M | ||
| Q4 24 | $10.4M | $7.0M | ||
| Q3 24 | $-270.0K | $-1.1M | ||
| Q2 24 | $15.5M | $-10.6M |
自由现金流率INBKRDI
| Q1 26 | — | — | ||
| Q4 25 | 7.3% | 8.2% | ||
| Q3 25 | 648.0% | -0.5% | ||
| Q2 25 | -270.7% | 1.9% | ||
| Q1 25 | 91.9% | -19.8% | ||
| Q4 24 | 26.3% | 12.0% | ||
| Q3 24 | -0.8% | -1.8% | ||
| Q2 24 | 47.8% | -22.7% |
资本支出强度INBKRDI
| Q1 26 | — | — | ||
| Q4 25 | 4.0% | 0.3% | ||
| Q3 25 | 1.9% | 1.0% | ||
| Q2 25 | 1.9% | 0.6% | ||
| Q1 25 | 0.5% | 0.6% | ||
| Q4 24 | 6.6% | 1.7% | ||
| Q3 24 | 1.8% | 4.0% | ||
| Q2 24 | 1.7% | 0.5% |
现金转化率INBKRDI
| Q1 26 | — | — | ||
| Q4 25 | 0.65× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | -467.21× | — | ||
| Q1 25 | 34.81× | — | ||
| Q4 24 | 1.77× | — | ||
| Q3 24 | 0.05× | — | ||
| Q2 24 | 2.77× | — |
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
INBK
| Net Interest Income | $31.6M | 73% |
| Noninterest Income | $11.5M | 27% |
RDI
| Cinema Exhibition Segment | $46.9M | 93% |
| Real Estate Revenue | $3.4M | 7% |
