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INDEPENDENT BANK CORP（INDB）与Ribbon Communications Inc.（RBBN）财务数据对比。点击上方公司名可切换其他公司
INDEPENDENT BANK CORP的季度营收约是Ribbon Communications Inc.的1.3倍（$212.5M vs $162.6M），Ribbon Communications Inc.净利率更高（54.8% vs 35.5%，领先19.3%），INDEPENDENT BANK CORP同比增速更快（46.9% vs -10.3%），过去两年INDEPENDENT BANK CORP的营收复合增速更高（24.3% vs -8.1%）
Independent Bank Corp是一家总部位于美国密歇根州大急流城的商业银行，业务全部布局于密歇根州内，目前在全州范围内共设有62家实体营业网点，为当地个人及企业客户提供各类银行金融服务。
睿宾通信公司（Ribbon Communications Inc.）主要为电信运营商、企业及关键基础设施领域提供软件、IP与光网络解决方案。公司于2017年由Genband与Sonus Networks合并成立，总部位于美国得克萨斯州普莱诺，是一家上市科技企业。
INDB vs RBBN — 直观对比
营收规模更大
INDB
是对方的1.3倍
$162.6M
营收增速更快
INDB
高出57.2%
-10.3%
净利率更高
RBBN
高出19.3%
35.5%
两年增速更快
INDB
近两年复合增速
-8.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $212.5M | $162.6M |
| 净利润 | $75.3M | $89.1M |
| 毛利率 | — | 42.9% |
| 营业利润率 | — | 37.6% |
| 净利率 | 35.5% | 54.8% |
| 营收同比 | 46.9% | -10.3% |
| 净利润同比 | 50.6% | — |
| 每股收益（稀释后） | $1.51 | $0.50 |
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INDBRBBN
| Q1 26 | — | $162.6M | ||
| Q4 25 | $212.5M | $227.3M | ||
| Q3 25 | $203.3M | $215.4M | ||
| Q2 25 | $147.5M | $220.6M | ||
| Q1 25 | $145.5M | $181.3M | ||
| Q4 24 | $144.7M | $251.4M | ||
| Q3 24 | $141.7M | $210.2M | ||
| Q2 24 | $137.9M | $192.6M |
净利润INDBRBBN
| Q1 26 | — | $89.1M | ||
| Q4 25 | $75.3M | — | ||
| Q3 25 | $34.3M | $-12.1M | ||
| Q2 25 | $51.1M | $-11.1M | ||
| Q1 25 | $44.4M | $-26.2M | ||
| Q4 24 | $50.0M | — | ||
| Q3 24 | $42.9M | $-13.4M | ||
| Q2 24 | $51.3M | $-16.8M |
毛利率INDBRBBN
| Q1 26 | — | 42.9% | ||
| Q4 25 | — | 53.3% | ||
| Q3 25 | — | 50.1% | ||
| Q2 25 | — | 49.6% | ||
| Q1 25 | — | 45.4% | ||
| Q4 24 | — | 55.7% | ||
| Q3 24 | — | 52.1% | ||
| Q2 24 | — | 50.8% |
营业利润率INDBRBBN
| Q1 26 | — | 37.6% | ||
| Q4 25 | — | 4.1% | ||
| Q3 25 | 21.8% | 1.3% | ||
| Q2 25 | 44.6% | 1.9% | ||
| Q1 25 | 39.3% | -10.8% | ||
| Q4 24 | — | 13.2% | ||
| Q3 24 | 39.0% | -0.4% | ||
| Q2 24 | 48.1% | -1.0% |
净利率INDBRBBN
| Q1 26 | — | 54.8% | ||
| Q4 25 | 35.5% | — | ||
| Q3 25 | 16.8% | -5.6% | ||
| Q2 25 | 34.6% | -5.0% | ||
| Q1 25 | 30.5% | -14.5% | ||
| Q4 24 | 34.6% | — | ||
| Q3 24 | 30.3% | -6.4% | ||
| Q2 24 | 37.2% | -8.7% |
每股收益（稀释后）INDBRBBN
| Q1 26 | — | $0.50 | ||
| Q4 25 | $1.51 | $0.50 | ||
| Q3 25 | $0.69 | $-0.07 | ||
| Q2 25 | $1.20 | $-0.06 | ||
| Q1 25 | $1.04 | $-0.15 | ||
| Q4 24 | $1.18 | $0.05 | ||
| Q3 24 | $1.01 | $-0.08 | ||
| Q2 24 | $1.21 | $-0.10 |
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 | — | $67.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $3.6B | $419.1M |
| 总资产 | $24.9B | — |
| 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INDBRBBN
| Q1 26 | — | $67.6M | ||
| Q4 25 | — | $96.4M | ||
| Q3 25 | — | $74.8M | ||
| Q2 25 | — | $60.5M | ||
| Q1 25 | — | $71.2M | ||
| Q4 24 | — | $87.8M | ||
| Q3 24 | — | $37.2M | ||
| Q2 24 | — | $64.6M |
总债务INDBRBBN
| Q1 26 | — | — | ||
| Q4 25 | — | $342.1M | ||
| Q3 25 | — | $344.3M | ||
| Q2 25 | — | $346.5M | ||
| Q1 25 | — | $347.4M | ||
| Q4 24 | — | $348.3M | ||
| Q3 24 | — | $349.1M | ||
| Q2 24 | — | $350.0M |
股东权益INDBRBBN
| Q1 26 | — | $419.1M | ||
| Q4 25 | $3.6B | $449.0M | ||
| Q3 25 | $3.5B | $360.1M | ||
| Q2 25 | $3.1B | $370.4M | ||
| Q1 25 | $3.0B | $381.8M | ||
| Q4 24 | $3.0B | $404.6M | ||
| Q3 24 | $3.0B | $395.5M | ||
| Q2 24 | $2.9B | $405.0M |
总资产INDBRBBN
| Q1 26 | — | — | ||
| Q4 25 | $24.9B | $1.2B | ||
| Q3 25 | $25.0B | $1.1B | ||
| Q2 25 | $20.0B | $1.1B | ||
| Q1 25 | $19.9B | $1.1B | ||
| Q4 24 | $19.4B | $1.2B | ||
| Q3 24 | $19.4B | $1.1B | ||
| Q2 24 | $19.4B | $1.1B |
负债/权益比INDBRBBN
| Q1 26 | — | — | ||
| Q4 25 | — | 0.76× | ||
| Q3 25 | — | 0.96× | ||
| Q2 25 | — | 0.94× | ||
| Q1 25 | — | 0.91× | ||
| Q4 24 | — | 0.86× | ||
| Q3 24 | — | 0.88× | ||
| Q2 24 | — | 0.86× |
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 | $78.9M | — |
| 自由现金流经营现金流 - 资本支出 | $75.5M | — |
| 自由现金流率自由现金流/营收 | 35.5% | — |
| 资本支出强度资本支出/营收 | 1.6% | — |
| 现金转化率经营现金流/净利润 | 1.05× | — |
| 过去12个月自由现金流最近4个季度 | $239.0M | — |
8季度趋势，按日历期对齐
经营现金流INDBRBBN
| Q1 26 | — | — | ||
| Q4 25 | $78.9M | $29.2M | ||
| Q3 25 | $52.2M | $26.5M | ||
| Q2 25 | $106.7M | $-795.0K | ||
| Q1 25 | $13.3M | $-3.5M | ||
| Q4 24 | $42.9M | $61.8M | ||
| Q3 24 | $70.2M | $-14.8M | ||
| Q2 24 | $65.6M | $-9.8M |
自由现金流INDBRBBN
| Q1 26 | — | — | ||
| Q4 25 | $75.5M | $27.3M | ||
| Q3 25 | $49.7M | $21.0M | ||
| Q2 25 | $102.5M | $-6.5M | ||
| Q1 25 | $11.3M | $-15.7M | ||
| Q4 24 | $36.5M | $53.8M | ||
| Q3 24 | $64.4M | $-23.7M | ||
| Q2 24 | $61.9M | $-12.9M |
自由现金流率INDBRBBN
| Q1 26 | — | — | ||
| Q4 25 | 35.5% | 12.0% | ||
| Q3 25 | 24.4% | 9.7% | ||
| Q2 25 | 69.5% | -2.9% | ||
| Q1 25 | 7.8% | -8.7% | ||
| Q4 24 | 25.2% | 21.4% | ||
| Q3 24 | 45.4% | -11.3% | ||
| Q2 24 | 44.9% | -6.7% |
资本支出强度INDBRBBN
| Q1 26 | — | — | ||
| Q4 25 | 1.6% | 0.9% | ||
| Q3 25 | 1.2% | 2.6% | ||
| Q2 25 | 2.9% | 2.6% | ||
| Q1 25 | 1.4% | 6.7% | ||
| Q4 24 | 4.4% | 3.2% | ||
| Q3 24 | 4.1% | 4.2% | ||
| Q2 24 | 2.7% | 1.6% |
现金转化率INDBRBBN
| Q1 26 | — | — | ||
| Q4 25 | 1.05× | — | ||
| Q3 25 | 1.52× | — | ||
| Q2 25 | 2.09× | — | ||
| Q1 25 | 0.30× | — | ||
| Q4 24 | 0.86× | — | ||
| Q3 24 | 1.64× | — | ||
| Q2 24 | 1.28× | — |
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
INDB
暂无分部数据
RBBN
| Service | $94.5M | 58% |
| Product | $68.1M | 42% |
