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First Internet Bancorp（INBK）与RIGEL PHARMACEUTICALS INC（RIGL）财务数据对比。点击上方公司名可切换其他公司
RIGEL PHARMACEUTICALS INC的季度营收约是First Internet Bancorp的1.6倍（$69.8M vs $43.1M），RIGEL PHARMACEUTICALS INC净利率更高（384.0% vs 5.8%，领先378.2%），过去两年RIGEL PHARMACEUTICALS INC的营收复合增速更高（53.7% 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。
Rigel制药是一家临床阶段生物技术企业，专注于研发及商业化针对自身免疫性疾病、炎症性疾病与血液疾病的靶向小分子疗法，核心市场位于美国，旗下已获批产品可治疗成人免疫性血小板减少症，致力于满足未被覆盖的临床医疗需求。
INBK vs RIGL — 直观对比
营收规模更大
RIGL
是对方的1.6倍
$43.1M
净利率更高
RIGL
高出378.2%
5.8%
两年增速更快
RIGL
近两年复合增速
15.4%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $43.1M | $69.8M |
| 净利润 | $2.5M | $268.1M |
| 毛利率 | — | 91.5% |
| 营业利润率 | — | 33.2% |
| 净利率 | 5.8% | 384.0% |
| 营收同比 | — | 21.2% |
| 净利润同比 | — | 1769.2% |
| 每股收益（稀释后） | $0.29 | $14.11 |
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INBKRIGL
| Q1 26 | $43.1M | — | ||
| Q4 25 | $30.3M | $69.8M | ||
| Q3 25 | $5.7M | $69.5M | ||
| Q2 25 | $33.5M | $101.7M | ||
| Q1 25 | $35.5M | $53.3M | ||
| Q4 24 | $39.5M | $57.6M | ||
| Q3 24 | $33.8M | $55.3M | ||
| Q2 24 | $32.4M | $36.8M |
净利润INBKRIGL
| Q1 26 | $2.5M | — | ||
| Q4 25 | $5.3M | $268.1M | ||
| Q3 25 | $-41.6M | $27.9M | ||
| Q2 25 | $193.0K | $59.6M | ||
| Q1 25 | $943.0K | $11.4M | ||
| Q4 24 | $7.3M | $14.3M | ||
| Q3 24 | $7.0M | $12.4M | ||
| Q2 24 | $5.8M | $-1.0M |
毛利率INBKRIGL
| Q1 26 | — | — | ||
| Q4 25 | — | 91.5% | ||
| Q3 25 | — | 93.2% | ||
| Q2 25 | — | 95.6% | ||
| Q1 25 | — | 91.7% | ||
| Q4 24 | — | 89.9% | ||
| Q3 24 | — | 85.5% | ||
| Q2 24 | — | 92.4% |
营业利润率INBKRIGL
| Q1 26 | — | — | ||
| Q4 25 | 18.1% | 33.2% | ||
| Q3 25 | -956.1% | 40.9% | ||
| Q2 25 | -5.5% | 60.1% | ||
| Q1 25 | 0.1% | 23.9% | ||
| Q4 24 | 21.1% | 28.9% | ||
| Q3 24 | 22.5% | 25.4% | ||
| Q2 24 | 18.5% | 1.2% |
净利率INBKRIGL
| Q1 26 | 5.8% | — | ||
| Q4 25 | 17.4% | 384.0% | ||
| Q3 25 | -729.1% | 40.2% | ||
| Q2 25 | 0.6% | 58.6% | ||
| Q1 25 | 2.7% | 21.5% | ||
| Q4 24 | 18.6% | 24.9% | ||
| Q3 24 | 20.7% | 22.5% | ||
| Q2 24 | 17.8% | -2.8% |
每股收益（稀释后）INBKRIGL
| Q1 26 | $0.29 | — | ||
| Q4 25 | $0.60 | $14.11 | ||
| Q3 25 | $-4.76 | $1.46 | ||
| Q2 25 | $0.02 | $3.28 | ||
| Q1 25 | $0.11 | $0.63 | ||
| Q4 24 | $0.82 | $0.82 | ||
| Q3 24 | $0.80 | $0.70 | ||
| Q2 24 | $0.67 | $-0.06 |
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 | — | $155.0M |
| 总债务越低越好 | — | $52.5M |
| 股东权益账面价值 | $374.3M | $391.5M |
| 总资产 | $5.6B | $513.6M |
| 负债/权益比越低杠杆越低 | — | 0.13× |
8季度趋势，按日历期对齐
现金及短期投资INBKRIGL
| Q1 26 | — | — | ||
| Q4 25 | $456.8M | $155.0M | ||
| Q3 25 | $787.7M | $137.1M | ||
| Q2 25 | $446.4M | $108.4M | ||
| Q1 25 | $394.5M | $77.1M | ||
| Q4 24 | $466.4M | $77.3M | ||
| Q3 24 | $712.5M | $61.1M | ||
| Q2 24 | $396.8M | $49.1M |
总债务INBKRIGL
| Q1 26 | — | — | ||
| Q4 25 | $249.5M | $52.5M | ||
| Q3 25 | — | $60.0M | ||
| Q2 25 | — | $60.0M | ||
| Q1 25 | — | $60.0M | ||
| Q4 24 | $295.0M | $60.0M | ||
| Q3 24 | — | $60.0M | ||
| Q2 24 | — | $60.0M |
股东权益INBKRIGL
| Q1 26 | $374.3M | — | ||
| Q4 25 | $359.8M | $391.5M | ||
| Q3 25 | $352.2M | $117.6M | ||
| Q2 25 | $390.2M | $81.9M | ||
| Q1 25 | $387.7M | $18.6M | ||
| Q4 24 | $384.1M | $3.3M | ||
| Q3 24 | $385.1M | $-14.6M | ||
| Q2 24 | $372.0M | $-29.9M |
总资产INBKRIGL
| Q1 26 | $5.6B | — | ||
| Q4 25 | $5.6B | $513.6M | ||
| Q3 25 | $5.6B | $242.5M | ||
| Q2 25 | $6.1B | $206.7M | ||
| Q1 25 | $5.9B | $176.0M | ||
| Q4 24 | $5.7B | $164.0M | ||
| Q3 24 | $5.8B | $139.4M | ||
| Q2 24 | $5.3B | $128.4M |
负债/权益比INBKRIGL
| Q1 26 | — | — | ||
| Q4 25 | 0.69× | 0.13× | ||
| Q3 25 | — | 0.51× | ||
| Q2 25 | — | 0.73× | ||
| Q1 25 | — | 3.23× | ||
| Q4 24 | 0.77× | 18.25× | ||
| 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 | — | $22.0M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | 0.08× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流INBKRIGL
| Q1 26 | — | — | ||
| Q4 25 | $3.4M | $22.0M | ||
| Q3 25 | $37.1M | $24.0M | ||
| Q2 25 | $-90.2M | $30.5M | ||
| Q1 25 | $32.8M | $-893.0K | ||
| Q4 24 | $13.0M | $14.5M | ||
| Q3 24 | $331.0K | $21.7M | ||
| Q2 24 | $16.0M | $302.0K |
自由现金流INBKRIGL
| Q1 26 | — | — | ||
| Q4 25 | $2.2M | — | ||
| Q3 25 | $37.0M | — | ||
| Q2 25 | $-90.8M | — | ||
| Q1 25 | $32.6M | — | ||
| Q4 24 | $10.4M | — | ||
| Q3 24 | $-270.0K | — | ||
| Q2 24 | $15.5M | — |
自由现金流率INBKRIGL
| Q1 26 | — | — | ||
| Q4 25 | 7.3% | — | ||
| Q3 25 | 648.0% | — | ||
| Q2 25 | -270.7% | — | ||
| Q1 25 | 91.9% | — | ||
| Q4 24 | 26.3% | — | ||
| Q3 24 | -0.8% | — | ||
| Q2 24 | 47.8% | — |
资本支出强度INBKRIGL
| Q1 26 | — | — | ||
| Q4 25 | 4.0% | — | ||
| Q3 25 | 1.9% | — | ||
| Q2 25 | 1.9% | — | ||
| Q1 25 | 0.5% | — | ||
| Q4 24 | 6.6% | — | ||
| Q3 24 | 1.8% | — | ||
| Q2 24 | 1.7% | — |
现金转化率INBKRIGL
| Q1 26 | — | — | ||
| Q4 25 | 0.65× | 0.08× | ||
| Q3 25 | — | 0.86× | ||
| Q2 25 | -467.21× | 0.51× | ||
| Q1 25 | 34.81× | -0.08× | ||
| Q4 24 | 1.77× | 1.01× | ||
| Q3 24 | 0.05× | 1.75× | ||
| 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% |
RIGL
暂无分部数据
