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First Internet Bancorp（INBK）与ROCKWELL MEDICAL, INC.（RMTI）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ROCKWELL MEDICAL, INC.的1.7倍（$30.3M vs $18.3M），First Internet Bancorp净利率更高（17.4% vs -3.0%，领先20.5%），First Internet Bancorp同比增速更快（28.8% vs -25.6%），First Internet Bancorp自由现金流更多（$2.2M vs $2.2M），过去两年First Internet Bancorp的营收复合增速更高（2.1% vs -10.1%）
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。
罗克韦尔医疗成立于1996年，总部位于美国密歇根州威克瑟姆，是一家上市制药企业，核心业务聚焦于终末期肾病与慢性肾病相关治疗方案的研发与商业化推广。
INBK vs RMTI — 直观对比
营收规模更大
INBK
是对方的1.7倍
$18.3M
营收增速更快
INBK
高出54.4%
-25.6%
净利率更高
INBK
高出20.5%
-3.0%
自由现金流更多
INBK
多$16.0K
$2.2M
两年增速更快
INBK
近两年复合增速
-10.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $30.3M | $18.3M |
| 净利润 | $5.3M | $-554.0K |
| 毛利率 | — | 21.1% |
| 营业利润率 | 18.1% | -2.2% |
| 净利率 | 17.4% | -3.0% |
| 营收同比 | 28.8% | -25.6% |
| 净利润同比 | -27.8% | 26.7% |
| 每股收益（稀释后） | $0.60 | $-0.01 |
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INBKRMTI
| Q4 25 | $30.3M | $18.3M | ||
| Q3 25 | $5.7M | $15.9M | ||
| Q2 25 | $33.5M | $16.1M | ||
| Q1 25 | $35.5M | $18.9M | ||
| Q4 24 | $39.5M | $24.7M | ||
| Q3 24 | $33.8M | $28.3M | ||
| Q2 24 | $32.4M | $25.8M | ||
| Q1 24 | $29.1M | $22.7M |
净利润INBKRMTI
| Q4 25 | $5.3M | $-554.0K | ||
| Q3 25 | $-41.6M | $-1.8M | ||
| Q2 25 | $193.0K | $-1.5M | ||
| Q1 25 | $943.0K | $-1.5M | ||
| Q4 24 | $7.3M | $-756.0K | ||
| Q3 24 | $7.0M | $1.7M | ||
| Q2 24 | $5.8M | $343.0K | ||
| Q1 24 | $5.2M | $-1.7M |
毛利率INBKRMTI
| Q4 25 | — | 21.1% | ||
| Q3 25 | — | 14.3% | ||
| Q2 25 | — | 15.6% | ||
| Q1 25 | — | 16.1% | ||
| Q4 24 | — | 14.7% | ||
| Q3 24 | — | 22.0% | ||
| Q2 24 | — | 17.6% | ||
| Q1 24 | — | 13.5% |
营业利润率INBKRMTI
| Q4 25 | 18.1% | -2.2% | ||
| Q3 25 | -956.1% | -9.9% | ||
| Q2 25 | -5.5% | -8.4% | ||
| Q1 25 | 0.1% | -7.2% | ||
| Q4 24 | 21.1% | -2.1% | ||
| Q3 24 | 22.5% | 6.8% | ||
| Q2 24 | 18.5% | 2.0% | ||
| Q1 24 | 19.3% | -5.8% |
净利率INBKRMTI
| Q4 25 | 17.4% | -3.0% | ||
| Q3 25 | -729.1% | -11.0% | ||
| Q2 25 | 0.6% | -9.3% | ||
| Q1 25 | 2.7% | -8.0% | ||
| Q4 24 | 18.6% | -3.1% | ||
| Q3 24 | 20.7% | 5.9% | ||
| Q2 24 | 17.8% | 1.3% | ||
| Q1 24 | 17.8% | -7.6% |
每股收益（稀释后）INBKRMTI
| Q4 25 | $0.60 | $-0.01 | ||
| Q3 25 | $-4.76 | $-0.05 | ||
| Q2 25 | $0.02 | $-0.05 | ||
| Q1 25 | $0.11 | $-0.04 | ||
| Q4 24 | $0.82 | $-0.02 | ||
| Q3 24 | $0.80 | $0.04 | ||
| Q2 24 | $0.67 | $0.01 | ||
| Q1 24 | $0.59 | $-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 | $456.8M | $10.7M |
| 总债务越低越好 | $249.5M | — |
| 股东权益账面价值 | $359.8M | $37.0M |
| 总资产 | $5.6B | $57.1M |
| 负债/权益比越低杠杆越低 | 0.69× | — |
8季度趋势，按日历期对齐
现金及短期投资INBKRMTI
| Q4 25 | $456.8M | $10.7M | ||
| Q3 25 | $787.7M | $13.6M | ||
| Q2 25 | $446.4M | $12.5M | ||
| Q1 25 | $394.5M | $11.4M | ||
| Q4 24 | $466.4M | $15.7M | ||
| Q3 24 | $712.5M | $12.3M | ||
| Q2 24 | $396.8M | $11.9M | ||
| Q1 24 | $481.3M | $6.6M |
总债务INBKRMTI
| Q4 25 | $249.5M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $295.0M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益INBKRMTI
| Q4 25 | $359.8M | $37.0M | ||
| Q3 25 | $352.2M | $37.0M | ||
| Q2 25 | $390.2M | $30.4M | ||
| Q1 25 | $387.7M | $31.5M | ||
| Q4 24 | $384.1M | $32.6M | ||
| Q3 24 | $385.1M | $29.1M | ||
| Q2 24 | $372.0M | $23.5M | ||
| Q1 24 | $366.7M | $20.6M |
总资产INBKRMTI
| Q4 25 | $5.6B | $57.1M | ||
| Q3 25 | $5.6B | $57.5M | ||
| Q2 25 | $6.1B | $52.6M | ||
| Q1 25 | $5.9B | $54.0M | ||
| Q4 24 | $5.7B | $59.2M | ||
| Q3 24 | $5.8B | $57.1M | ||
| Q2 24 | $5.3B | $53.0M | ||
| Q1 24 | $5.3B | $50.7M |
负债/权益比INBKRMTI
| Q4 25 | 0.69× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.77× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 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 | $3.4M | $2.3M |
| 自由现金流经营现金流 - 资本支出 | $2.2M | $2.2M |
| 自由现金流率自由现金流/营收 | 7.3% | 12.0% |
| 资本支出强度资本支出/营收 | 4.0% | 0.5% |
| 现金转化率经营现金流/净利润 | 0.65× | — |
| 过去12个月自由现金流最近4个季度 | $-19.0M | $-1.2M |
8季度趋势，按日历期对齐
经营现金流INBKRMTI
| Q4 25 | $3.4M | $2.3M | ||
| Q3 25 | $37.1M | $-1.3M | ||
| Q2 25 | $-90.2M | $1.8M | ||
| Q1 25 | $32.8M | $-3.5M | ||
| Q4 24 | $13.0M | $865.0K | ||
| Q3 24 | $331.0K | $4.3M | ||
| Q2 24 | $16.0M | $1.4M | ||
| Q1 24 | $2.8M | $-2.4M |
自由现金流INBKRMTI
| Q4 25 | $2.2M | $2.2M | ||
| Q3 25 | $37.0M | $-1.5M | ||
| Q2 25 | $-90.8M | $1.7M | ||
| Q1 25 | $32.6M | $-3.5M | ||
| Q4 24 | $10.4M | $470.0K | ||
| Q3 24 | $-270.0K | $4.1M | ||
| Q2 24 | $15.5M | $1.2M | ||
| Q1 24 | $1.9M | $-2.5M |
自由现金流率INBKRMTI
| Q4 25 | 7.3% | 12.0% | ||
| Q3 25 | 648.0% | -9.6% | ||
| Q2 25 | -270.7% | 10.5% | ||
| Q1 25 | 91.9% | -18.8% | ||
| Q4 24 | 26.3% | 1.9% | ||
| Q3 24 | -0.8% | 14.4% | ||
| Q2 24 | 47.8% | 4.5% | ||
| Q1 24 | 6.4% | -11.1% |
资本支出强度INBKRMTI
| Q4 25 | 4.0% | 0.5% | ||
| Q3 25 | 1.9% | 1.4% | ||
| Q2 25 | 1.9% | 1.0% | ||
| Q1 25 | 0.5% | 0.3% | ||
| Q4 24 | 6.6% | 1.6% | ||
| Q3 24 | 1.8% | 0.7% | ||
| Q2 24 | 1.7% | 1.1% | ||
| Q1 24 | 3.2% | 0.6% |
现金转化率INBKRMTI
| Q4 25 | 0.65× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | -467.21× | — | ||
| Q1 25 | 34.81× | — | ||
| Q4 24 | 1.77× | — | ||
| Q3 24 | 0.05× | 2.57× | ||
| Q2 24 | 2.77× | 4.20× | ||
| Q1 24 | 0.54× | — |
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
暂无分部数据
RMTI
| US | $15.9M | 87% |
| Non Us | $2.4M | 13% |
