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First Internet Bancorp（INBK）与Rumble Inc.（RUM）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Rumble Inc.的1.6倍（$43.1M vs $27.1M），First Internet Bancorp净利率更高（5.8% vs -120.8%，领先126.6%），过去两年First Internet Bancorp的营收复合增速更高（15.4% vs 15.2%）
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。
Rumble Inc.是一家加美跨国企业，主营在线视频平台、网络托管及云服务，总部位于加拿大多伦多，美国总部设在佛罗里达州朗博特基。公司由加拿大科技创业者克里斯·帕夫洛夫斯基于2013年创立，云服务板块为Truth Social提供托管支持，其视频平台在美国保守派及极右翼用户群体中广受欢迎，属于“另类科技”阵营。
INBK vs RUM — 直观对比
营收规模更大
INBK
是对方的1.6倍
$27.1M
净利率更高
INBK
高出126.6%
-120.8%
两年增速更快
INBK
近两年复合增速
15.2%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $43.1M | $27.1M |
| 净利润 | $2.5M | $-32.7M |
| 毛利率 | — | 5.5% |
| 营业利润率 | — | -131.1% |
| 净利率 | 5.8% | -120.8% |
| 营收同比 | — | -10.5% |
| 净利润同比 | — | 86.2% |
| 每股收益（稀释后） | $0.29 | $-0.13 |
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INBKRUM
| Q1 26 | $43.1M | — | ||
| Q4 25 | $30.3M | $27.1M | ||
| Q3 25 | $5.7M | $24.8M | ||
| Q2 25 | $33.5M | — | ||
| Q1 25 | $35.5M | $23.7M | ||
| Q4 24 | $39.5M | $30.2M | ||
| Q3 24 | $33.8M | $25.1M | ||
| Q2 24 | $32.4M | $22.5M |
净利润INBKRUM
| Q1 26 | $2.5M | — | ||
| Q4 25 | $5.3M | $-32.7M | ||
| Q3 25 | $-41.6M | $-16.3M | ||
| Q2 25 | $193.0K | — | ||
| Q1 25 | $943.0K | $-2.7M | ||
| Q4 24 | $7.3M | $-236.8M | ||
| Q3 24 | $7.0M | $-31.5M | ||
| Q2 24 | $5.8M | $-26.8M |
毛利率INBKRUM
| Q1 26 | — | — | ||
| Q4 25 | — | 5.5% | ||
| Q3 25 | — | -1.8% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | -26.7% | ||
| Q4 24 | — | -14.2% | ||
| Q3 24 | — | -45.4% | ||
| Q2 24 | — | -58.8% |
营业利润率INBKRUM
| Q1 26 | — | — | ||
| Q4 25 | 18.1% | -131.1% | ||
| Q3 25 | -956.1% | -113.6% | ||
| Q2 25 | -5.5% | — | ||
| Q1 25 | 0.1% | -153.5% | ||
| Q4 24 | 21.1% | -80.1% | ||
| Q3 24 | 22.5% | -131.0% | ||
| Q2 24 | 18.5% | -172.7% |
净利率INBKRUM
| Q1 26 | 5.8% | — | ||
| Q4 25 | 17.4% | -120.8% | ||
| Q3 25 | -729.1% | -65.7% | ||
| Q2 25 | 0.6% | — | ||
| Q1 25 | 2.7% | -11.2% | ||
| Q4 24 | 18.6% | -783.2% | ||
| Q3 24 | 20.7% | -125.9% | ||
| Q2 24 | 17.8% | -119.2% |
每股收益（稀释后）INBKRUM
| Q1 26 | $0.29 | — | ||
| Q4 25 | $0.60 | $-0.13 | ||
| Q3 25 | $-4.76 | $-0.06 | ||
| Q2 25 | $0.02 | — | ||
| Q1 25 | $0.11 | $-0.01 | ||
| Q4 24 | $0.82 | $-1.17 | ||
| Q3 24 | $0.80 | $-0.15 | ||
| Q2 24 | $0.67 | $-0.13 |
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 | — | $237.9M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $374.3M | $274.8M |
| 总资产 | $5.6B | $336.8M |
| 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INBKRUM
| Q1 26 | — | — | ||
| Q4 25 | $456.8M | $237.9M | ||
| Q3 25 | $787.7M | $269.8M | ||
| Q2 25 | $446.4M | — | ||
| Q1 25 | $394.5M | $301.3M | ||
| Q4 24 | $466.4M | $114.0M | ||
| Q3 24 | $712.5M | $132.0M | ||
| Q2 24 | $396.8M | $154.2M |
总债务INBKRUM
| Q1 26 | — | — | ||
| Q4 25 | $249.5M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $295.0M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益INBKRUM
| Q1 26 | $374.3M | — | ||
| Q4 25 | $359.8M | $274.8M | ||
| Q3 25 | $352.2M | $302.2M | ||
| Q2 25 | $390.2M | — | ||
| Q1 25 | $387.7M | $339.6M | ||
| Q4 24 | $384.1M | $-63.1M | ||
| Q3 24 | $385.1M | $166.1M | ||
| Q2 24 | $372.0M | $192.7M |
总资产INBKRUM
| Q1 26 | $5.6B | — | ||
| Q4 25 | $5.6B | $336.8M | ||
| Q3 25 | $5.6B | $367.2M | ||
| Q2 25 | $6.1B | — | ||
| Q1 25 | $5.9B | $391.1M | ||
| Q4 24 | $5.7B | $195.3M | ||
| Q3 24 | $5.8B | $217.2M | ||
| Q2 24 | $5.3B | $243.2M |
负债/权益比INBKRUM
| 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 | — | $-29.4M |
| 自由现金流经营现金流 - 资本支出 | — | $-31.7M |
| 自由现金流率自由现金流/营收 | — | -117.2% |
| 资本支出强度资本支出/营收 | — | 8.5% |
| 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 | — | $-70.8M |
8季度趋势，按日历期对齐
经营现金流INBKRUM
| Q1 26 | — | — | ||
| Q4 25 | $3.4M | $-29.4M | ||
| Q3 25 | $37.1M | $-10.6M | ||
| Q2 25 | $-90.2M | — | ||
| Q1 25 | $32.8M | $-14.5M | ||
| Q4 24 | $13.0M | $-12.4M | ||
| Q3 24 | $331.0K | $-19.1M | ||
| Q2 24 | $16.0M | $-21.7M |
自由现金流INBKRUM
| Q1 26 | — | — | ||
| Q4 25 | $2.2M | $-31.7M | ||
| Q3 25 | $37.0M | $-12.0M | ||
| Q2 25 | $-90.8M | — | ||
| Q1 25 | $32.6M | $-14.6M | ||
| Q4 24 | $10.4M | $-12.4M | ||
| Q3 24 | $-270.0K | $-19.9M | ||
| Q2 24 | $15.5M | $-23.1M |
自由现金流率INBKRUM
| Q1 26 | — | — | ||
| Q4 25 | 7.3% | -117.2% | ||
| Q3 25 | 648.0% | -48.6% | ||
| Q2 25 | -270.7% | — | ||
| Q1 25 | 91.9% | -61.7% | ||
| Q4 24 | 26.3% | -40.9% | ||
| Q3 24 | -0.8% | -79.5% | ||
| Q2 24 | 47.8% | -102.8% |
资本支出强度INBKRUM
| Q1 26 | — | — | ||
| Q4 25 | 4.0% | 8.5% | ||
| Q3 25 | 1.9% | 5.7% | ||
| Q2 25 | 1.9% | — | ||
| Q1 25 | 0.5% | 0.6% | ||
| Q4 24 | 6.6% | 0.1% | ||
| Q3 24 | 1.8% | 3.4% | ||
| Q2 24 | 1.7% | 6.1% |
现金转化率INBKRUM
| 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% |
RUM
| Audience Monetization | $23.8M | 88% |
| Other Initiatives | $3.3M | 12% |
