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First Internet Bancorp（INBK）与REGENXBIO Inc.（RGNX）财务数据对比。点击上方公司名可切换其他公司
First Internet Bancorp的季度营收约是REGENXBIO Inc.的1.4倍（$43.1M vs $30.3M），First Internet Bancorp净利率更高（5.8% vs -221.3%，领先227.2%），过去两年REGENXBIO Inc.的营收复合增速更高（39.4% vs 15.4%）
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。
REGENXBIO Inc.是一家临床阶段生物技术企业，专注于开发针对罕见及严重遗传疾病的突破性基因疗法。公司拥有专有的腺相关病毒载体技术，既向全球生物制药合作伙伴提供技术授权，也自主推进多疾病领域的基因疗法管线研发。
INBK vs RGNX — 直观对比
营收规模更大
INBK
是对方的1.4倍
$30.3M
净利率更高
INBK
高出227.2%
-221.3%
两年增速更快
RGNX
近两年复合增速
15.4%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $43.1M | $30.3M |
| 净利润 | $2.5M | $-67.1M |
| 毛利率 | — | — |
| 营业利润率 | — | -190.0% |
| 净利率 | 5.8% | -221.3% |
| 营收同比 | — | 43.0% |
| 净利润同比 | — | -31.2% |
| 每股收益（稀释后） | $0.29 | $-1.30 |
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INBKRGNX
| Q1 26 | $43.1M | — | ||
| Q4 25 | $30.3M | $30.3M | ||
| Q3 25 | $5.7M | $29.7M | ||
| Q2 25 | $33.5M | $21.4M | ||
| Q1 25 | $35.5M | $89.0M | ||
| Q4 24 | $39.5M | $21.2M | ||
| Q3 24 | $33.8M | $24.2M | ||
| Q2 24 | $32.4M | $22.3M |
净利润INBKRGNX
| Q1 26 | $2.5M | — | ||
| Q4 25 | $5.3M | $-67.1M | ||
| Q3 25 | $-41.6M | $-61.9M | ||
| Q2 25 | $193.0K | $-70.9M | ||
| Q1 25 | $943.0K | $6.1M | ||
| Q4 24 | $7.3M | $-51.2M | ||
| Q3 24 | $7.0M | $-59.6M | ||
| Q2 24 | $5.8M | $-53.0M |
毛利率INBKRGNX
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 70.2% | ||
| Q3 24 | — | 48.8% | ||
| Q2 24 | — | 52.5% |
营业利润率INBKRGNX
| Q1 26 | — | — | ||
| Q4 25 | 18.1% | -190.0% | ||
| Q3 25 | -956.1% | -176.3% | ||
| Q2 25 | -5.5% | -296.3% | ||
| Q1 25 | 0.1% | 13.6% | ||
| Q4 24 | 21.1% | -242.1% | ||
| Q3 24 | 22.5% | -256.6% | ||
| Q2 24 | 18.5% | -251.3% |
净利率INBKRGNX
| Q1 26 | 5.8% | — | ||
| Q4 25 | 17.4% | -221.3% | ||
| Q3 25 | -729.1% | -208.3% | ||
| Q2 25 | 0.6% | -331.8% | ||
| Q1 25 | 2.7% | 6.8% | ||
| Q4 24 | 18.6% | -241.3% | ||
| Q3 24 | 20.7% | -246.3% | ||
| Q2 24 | 17.8% | -237.7% |
每股收益（稀释后）INBKRGNX
| Q1 26 | $0.29 | — | ||
| Q4 25 | $0.60 | $-1.30 | ||
| Q3 25 | $-4.76 | $-1.20 | ||
| Q2 25 | $0.02 | $-1.38 | ||
| Q1 25 | $0.11 | $0.12 | ||
| Q4 24 | $0.82 | $-0.99 | ||
| Q3 24 | $0.80 | $-1.17 | ||
| Q2 24 | $0.67 | $-1.05 |
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 | — | $230.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $374.3M | $102.7M |
| 总资产 | $5.6B | $453.0M |
| 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INBKRGNX
| Q1 26 | — | — | ||
| Q4 25 | $456.8M | $230.1M | ||
| Q3 25 | $787.7M | $274.2M | ||
| Q2 25 | $446.4M | $323.3M | ||
| Q1 25 | $394.5M | $267.9M | ||
| Q4 24 | $466.4M | $234.7M | ||
| Q3 24 | $712.5M | $255.5M | ||
| Q2 24 | $396.8M | $290.4M |
总债务INBKRGNX
| Q1 26 | — | — | ||
| Q4 25 | $249.5M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $295.0M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益INBKRGNX
| Q1 26 | $374.3M | — | ||
| Q4 25 | $359.8M | $102.7M | ||
| Q3 25 | $352.2M | $161.5M | ||
| Q2 25 | $390.2M | $213.7M | ||
| Q1 25 | $387.7M | $274.2M | ||
| Q4 24 | $384.1M | $259.7M | ||
| Q3 24 | $385.1M | $301.4M | ||
| Q2 24 | $372.0M | $348.3M |
总资产INBKRGNX
| Q1 26 | $5.6B | — | ||
| Q4 25 | $5.6B | $453.0M | ||
| Q3 25 | $5.6B | $525.2M | ||
| Q2 25 | $6.1B | $581.0M | ||
| Q1 25 | $5.9B | $490.9M | ||
| Q4 24 | $5.7B | $466.0M | ||
| Q3 24 | $5.8B | $519.1M | ||
| Q2 24 | $5.3B | $569.4M |
负债/权益比INBKRGNX
| 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 | — | $-52.3M |
| 自由现金流经营现金流 - 资本支出 | — | $-52.8M |
| 自由现金流率自由现金流/营收 | — | -174.0% |
| 资本支出强度资本支出/营收 | — | 1.7% |
| 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 | — | $-126.4M |
8季度趋势，按日历期对齐
经营现金流INBKRGNX
| Q1 26 | — | — | ||
| Q4 25 | $3.4M | $-52.3M | ||
| Q3 25 | $37.1M | $-56.0M | ||
| Q2 25 | $-90.2M | $-49.3M | ||
| Q1 25 | $32.8M | $33.6M | ||
| Q4 24 | $13.0M | $-31.6M | ||
| Q3 24 | $331.0K | $-40.5M | ||
| Q2 24 | $16.0M | $-45.5M |
自由现金流INBKRGNX
| Q1 26 | — | — | ||
| Q4 25 | $2.2M | $-52.8M | ||
| Q3 25 | $37.0M | $-56.5M | ||
| Q2 25 | $-90.8M | $-49.7M | ||
| Q1 25 | $32.6M | $32.6M | ||
| Q4 24 | $10.4M | $-32.7M | ||
| Q3 24 | $-270.0K | $-40.9M | ||
| Q2 24 | $15.5M | $-46.0M |
自由现金流率INBKRGNX
| Q1 26 | — | — | ||
| Q4 25 | 7.3% | -174.0% | ||
| Q3 25 | 648.0% | -189.9% | ||
| Q2 25 | -270.7% | -232.8% | ||
| Q1 25 | 91.9% | 36.6% | ||
| Q4 24 | 26.3% | -154.2% | ||
| Q3 24 | -0.8% | -168.9% | ||
| Q2 24 | 47.8% | -206.2% |
资本支出强度INBKRGNX
| Q1 26 | — | — | ||
| Q4 25 | 4.0% | 1.7% | ||
| Q3 25 | 1.9% | 1.7% | ||
| Q2 25 | 1.9% | 1.8% | ||
| Q1 25 | 0.5% | 1.2% | ||
| Q4 24 | 6.6% | 5.1% | ||
| Q3 24 | 1.8% | 1.3% | ||
| Q2 24 | 1.7% | 2.1% |
现金转化率INBKRGNX
| Q1 26 | — | — | ||
| Q4 25 | 0.65× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | -467.21× | — | ||
| Q1 25 | 34.81× | 5.53× | ||
| 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% |
RGNX
| Novartis Gene Therapies | $24.2M | 80% |
| Nippon Shinyaku Collaboration And License Agreement | $4.3M | 14% |
| Nippon Shinyaku Services | $1.4M | 5% |
