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First Internet Bancorp（INBK）与RE/MAX Holdings, Inc.（RMAX）财务数据对比。点击上方公司名可切换其他公司
RE/MAX Holdings, Inc.的季度营收约是First Internet Bancorp的1.6倍（$71.1M vs $43.1M），First Internet Bancorp净利率更高（5.8% vs 2.0%，领先3.8%），过去两年First Internet Bancorp的营收复合增速更高（15.4% vs -4.7%）
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。
RE/MAX是全球知名的房地产特许经营机构，业务遍布全球一百多个国家和地区，旗下拥有数千家门店，总计超过十万名房产经纪人，在国际房产中介领域拥有极高的品牌知名度与市场影响力。
INBK vs RMAX — 直观对比
营收规模更大
RMAX
是对方的1.6倍
$43.1M
净利率更高
INBK
高出3.8%
2.0%
两年增速更快
INBK
近两年复合增速
-4.7%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $43.1M | $71.1M |
| 净利润 | $2.5M | $1.4M |
| 毛利率 | — | — |
| 营业利润率 | — | 13.1% |
| 净利率 | 5.8% | 2.0% |
| 营收同比 | — | -1.8% |
| 净利润同比 | — | -75.2% |
| 每股收益（稀释后） | $0.29 | — |
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INBKRMAX
| Q1 26 | $43.1M | — | ||
| Q4 25 | $30.3M | $71.1M | ||
| Q3 25 | $5.7M | $73.2M | ||
| Q2 25 | $33.5M | $72.8M | ||
| Q1 25 | $35.5M | $74.5M | ||
| Q4 24 | $39.5M | $72.5M | ||
| Q3 24 | $33.8M | $78.5M | ||
| Q2 24 | $32.4M | $78.5M |
净利润INBKRMAX
| Q1 26 | $2.5M | — | ||
| Q4 25 | $5.3M | $1.4M | ||
| Q3 25 | $-41.6M | $4.0M | ||
| Q2 25 | $193.0K | $4.7M | ||
| Q1 25 | $943.0K | $-2.0M | ||
| Q4 24 | $7.3M | $5.8M | ||
| Q3 24 | $7.0M | $966.0K | ||
| Q2 24 | $5.8M | $3.7M |
营业利润率INBKRMAX
| Q1 26 | — | — | ||
| Q4 25 | 18.1% | 13.1% | ||
| Q3 25 | -956.1% | 25.0% | ||
| Q2 25 | -5.5% | 19.3% | ||
| Q1 25 | 0.1% | 7.2% | ||
| Q4 24 | 21.1% | 5.9% | ||
| Q3 24 | 22.5% | 19.4% | ||
| Q2 24 | 18.5% | 20.6% |
净利率INBKRMAX
| Q1 26 | 5.8% | — | ||
| Q4 25 | 17.4% | 2.0% | ||
| Q3 25 | -729.1% | 5.4% | ||
| Q2 25 | 0.6% | 6.4% | ||
| Q1 25 | 2.7% | -2.6% | ||
| Q4 24 | 18.6% | 8.0% | ||
| Q3 24 | 20.7% | 1.2% | ||
| Q2 24 | 17.8% | 4.7% |
每股收益（稀释后）INBKRMAX
| Q1 26 | $0.29 | — | ||
| Q4 25 | $0.60 | — | ||
| Q3 25 | $-4.76 | — | ||
| Q2 25 | $0.02 | — | ||
| Q1 25 | $0.11 | — | ||
| Q4 24 | $0.82 | — | ||
| Q3 24 | $0.80 | — | ||
| Q2 24 | $0.67 | — |
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 | — | $118.7M |
| 总债务越低越好 | — | $432.2M |
| 股东权益账面价值 | $374.3M | $452.4M |
| 总资产 | $5.6B | $582.5M |
| 负债/权益比越低杠杆越低 | — | 0.96× |
8季度趋势，按日历期对齐
现金及短期投资INBKRMAX
| Q1 26 | — | — | ||
| Q4 25 | $456.8M | $118.7M | ||
| Q3 25 | $787.7M | $107.5M | ||
| Q2 25 | $446.4M | $94.3M | ||
| Q1 25 | $394.5M | $89.1M | ||
| Q4 24 | $466.4M | $96.6M | ||
| Q3 24 | $712.5M | $83.8M | ||
| Q2 24 | $396.8M | $66.1M |
总债务INBKRMAX
| Q1 26 | — | — | ||
| Q4 25 | $249.5M | $432.2M | ||
| Q3 25 | — | $433.3M | ||
| Q2 25 | — | $434.4M | ||
| Q1 25 | — | $435.3M | ||
| Q4 24 | $295.0M | $436.2M | ||
| Q3 24 | — | $437.2M | ||
| Q2 24 | — | $438.1M |
股东权益INBKRMAX
| Q1 26 | $374.3M | — | ||
| Q4 25 | $359.8M | $452.4M | ||
| Q3 25 | $352.2M | $448.1M | ||
| Q2 25 | $390.2M | $442.4M | ||
| Q1 25 | $387.7M | $433.5M | ||
| Q4 24 | $384.1M | $429.5M | ||
| Q3 24 | $385.1M | $423.1M | ||
| Q2 24 | $372.0M | $418.4M |
总资产INBKRMAX
| Q1 26 | $5.6B | — | ||
| Q4 25 | $5.6B | $582.5M | ||
| Q3 25 | $5.6B | $582.2M | ||
| Q2 25 | $6.1B | $574.8M | ||
| Q1 25 | $5.9B | $571.4M | ||
| Q4 24 | $5.7B | $581.6M | ||
| Q3 24 | $5.8B | $578.6M | ||
| Q2 24 | $5.3B | $571.4M |
负债/权益比INBKRMAX
| Q1 26 | — | — | ||
| Q4 25 | 0.69× | 0.96× | ||
| Q3 25 | — | 0.97× | ||
| Q2 25 | — | 0.98× | ||
| Q1 25 | — | 1.00× | ||
| Q4 24 | 0.77× | 1.02× | ||
| Q3 24 | — | 1.03× | ||
| Q2 24 | — | 1.05× |
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 | — | $40.9M |
| 自由现金流经营现金流 - 资本支出 | — | $33.5M |
| 自由现金流率自由现金流/营收 | — | 47.1% |
| 资本支出强度资本支出/营收 | — | 10.4% |
| 现金转化率经营现金流/净利润 | — | 28.39× |
| 过去12个月自由现金流最近4个季度 | — | $56.8M |
8季度趋势，按日历期对齐
经营现金流INBKRMAX
| Q1 26 | — | — | ||
| Q4 25 | $3.4M | $40.9M | ||
| Q3 25 | $37.1M | $17.7M | ||
| Q2 25 | $-90.2M | $4.6M | ||
| Q1 25 | $32.8M | $5.7M | ||
| Q4 24 | $13.0M | $59.7M | ||
| Q3 24 | $331.0K | $17.6M | ||
| Q2 24 | $16.0M | $15.9M |
自由现金流INBKRMAX
| Q1 26 | — | — | ||
| Q4 25 | $2.2M | $33.5M | ||
| Q3 25 | $37.0M | $16.4M | ||
| Q2 25 | $-90.8M | $2.9M | ||
| Q1 25 | $32.6M | $4.0M | ||
| Q4 24 | $10.4M | $53.0M | ||
| Q3 24 | $-270.0K | $16.3M | ||
| Q2 24 | $15.5M | $14.0M |
自由现金流率INBKRMAX
| Q1 26 | — | — | ||
| Q4 25 | 7.3% | 47.1% | ||
| Q3 25 | 648.0% | 22.4% | ||
| Q2 25 | -270.7% | 4.0% | ||
| Q1 25 | 91.9% | 5.3% | ||
| Q4 24 | 26.3% | 73.2% | ||
| Q3 24 | -0.8% | 20.8% | ||
| Q2 24 | 47.8% | 17.8% |
资本支出强度INBKRMAX
| Q1 26 | — | — | ||
| Q4 25 | 4.0% | 10.4% | ||
| Q3 25 | 1.9% | 1.8% | ||
| Q2 25 | 1.9% | 2.2% | ||
| Q1 25 | 0.5% | 2.3% | ||
| Q4 24 | 6.6% | 9.1% | ||
| Q3 24 | 1.8% | 1.7% | ||
| Q2 24 | 1.7% | 2.4% |
现金转化率INBKRMAX
| Q1 26 | — | — | ||
| Q4 25 | 0.65× | 28.39× | ||
| Q3 25 | — | 4.45× | ||
| Q2 25 | -467.21× | 0.97× | ||
| Q1 25 | 34.81× | — | ||
| Q4 24 | 1.77× | 10.28× | ||
| Q3 24 | 0.05× | 18.22× | ||
| Q2 24 | 2.77× | 4.29× |
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% |
RMAX
| Franchising Segment | $50.1M | 70% |
| Broker Fees | $13.9M | 20% |
| Annual Dues | $7.4M | 10% |
