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INDEPENDENT BANK CORP（INDB）与SEACOAST BANKING CORP OF FLORIDA（SBCF）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SEACOAST BANKING CORP OF FLORIDA的1.0倍（$212.5M vs $203.3M），SEACOAST BANKING CORP OF FLORIDA同比增速更快（53.0% vs 46.9%），过去两年SEACOAST BANKING CORP OF FLORIDA的营收复合增速更高（27.2% vs 24.3%）
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。
佛罗里达海岸银行公司是总部位于美国佛罗里达州的金融控股企业，提供个人及商业类全品类银行服务，包括存款、个人及企业贷款、财富管理、保险服务等，核心客群为当地个人用户、中小微企业及商业机构。
INDB vs SBCF — 直观对比
营收规模更大
INDB
是对方的1.0倍
$203.3M
营收增速更快
SBCF
高出6.1%
46.9%
两年增速更快
SBCF
近两年复合增速
24.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $212.5M | $203.3M |
| 净利润 | $75.3M | — |
| 毛利率 | — | — |
| 营业利润率 | — | 21.4% |
| 净利率 | 35.5% | — |
| 营收同比 | 46.9% | 53.0% |
| 净利润同比 | 50.6% | — |
| 每股收益（稀释后） | $1.51 | $0.28 |
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INDBSBCF
| Q4 25 | $212.5M | $203.3M | ||
| Q3 25 | $203.3M | $157.3M | ||
| Q2 25 | $147.5M | $151.4M | ||
| Q1 25 | $145.5M | $140.7M | ||
| Q4 24 | $144.7M | $132.9M | ||
| Q3 24 | $141.7M | $130.3M | ||
| Q2 24 | $137.9M | $126.6M | ||
| Q1 24 | $137.4M | $125.6M |
净利润INDBSBCF
| Q4 25 | $75.3M | — | ||
| Q3 25 | $34.3M | $36.5M | ||
| Q2 25 | $51.1M | $42.7M | ||
| Q1 25 | $44.4M | $31.5M | ||
| Q4 24 | $50.0M | — | ||
| Q3 24 | $42.9M | $30.7M | ||
| Q2 24 | $51.3M | $30.2M | ||
| Q1 24 | $47.8M | $26.0M |
营业利润率INDBSBCF
| Q4 25 | — | 21.4% | ||
| Q3 25 | 21.8% | 29.8% | ||
| Q2 25 | 44.6% | 36.5% | ||
| Q1 25 | 39.3% | 29.0% | ||
| Q4 24 | — | 32.8% | ||
| Q3 24 | 39.0% | 30.1% | ||
| Q2 24 | 48.1% | 30.9% | ||
| Q1 24 | 45.5% | 26.9% |
净利率INDBSBCF
| Q4 25 | 35.5% | — | ||
| Q3 25 | 16.8% | 23.2% | ||
| Q2 25 | 34.6% | 28.2% | ||
| Q1 25 | 30.5% | 22.4% | ||
| Q4 24 | 34.6% | — | ||
| Q3 24 | 30.3% | 23.5% | ||
| Q2 24 | 37.2% | 23.9% | ||
| Q1 24 | 34.8% | 20.7% |
每股收益（稀释后）INDBSBCF
| Q4 25 | $1.51 | $0.28 | ||
| Q3 25 | $0.69 | $0.42 | ||
| Q2 25 | $1.20 | $0.50 | ||
| Q1 25 | $1.04 | $0.37 | ||
| Q4 24 | $1.18 | $0.39 | ||
| Q3 24 | $1.01 | $0.36 | ||
| Q2 24 | $1.21 | $0.36 | ||
| Q1 24 | $1.12 | $0.31 |
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 | — | $388.5M |
| 总债务越低越好 | — | $112.8M |
| 股东权益账面价值 | $3.6B | $2.7B |
| 总资产 | $24.9B | $20.8B |
| 负债/权益比越低杠杆越低 | — | 0.04× |
8季度趋势，按日历期对齐
现金及短期投资INDBSBCF
| Q4 25 | — | $388.5M | ||
| Q3 25 | — | $306.0M | ||
| Q2 25 | — | $332.4M | ||
| Q1 25 | — | $500.6M | ||
| Q4 24 | — | $476.6M | ||
| Q3 24 | — | $637.1M | ||
| Q2 24 | — | $749.5M | ||
| Q1 24 | — | $682.7M |
总债务INDBSBCF
| Q4 25 | — | $112.8M | ||
| Q3 25 | — | $107.5M | ||
| Q2 25 | — | $107.3M | ||
| Q1 25 | — | $107.1M | ||
| Q4 24 | — | $107.0M | ||
| Q3 24 | — | $106.8M | ||
| Q2 24 | — | $106.6M | ||
| Q1 24 | — | $106.5M |
股东权益INDBSBCF
| Q4 25 | $3.6B | $2.7B | ||
| Q3 25 | $3.5B | $2.4B | ||
| Q2 25 | $3.1B | $2.3B | ||
| Q1 25 | $3.0B | $2.2B | ||
| Q4 24 | $3.0B | $2.2B | ||
| Q3 24 | $3.0B | $2.2B | ||
| Q2 24 | $2.9B | $2.1B | ||
| Q1 24 | $2.9B | $2.1B |
总资产INDBSBCF
| Q4 25 | $24.9B | $20.8B | ||
| Q3 25 | $25.0B | $16.7B | ||
| Q2 25 | $20.0B | $15.9B | ||
| Q1 25 | $19.9B | $15.7B | ||
| Q4 24 | $19.4B | $15.2B | ||
| Q3 24 | $19.4B | $15.2B | ||
| Q2 24 | $19.4B | $15.0B | ||
| Q1 24 | $19.3B | $14.8B |
负债/权益比INDBSBCF
| Q4 25 | — | 0.04× | ||
| Q3 25 | — | 0.05× | ||
| Q2 25 | — | 0.05× | ||
| Q1 25 | — | 0.05× | ||
| Q4 24 | — | 0.05× | ||
| Q3 24 | — | 0.05× | ||
| Q2 24 | — | 0.05× | ||
| Q1 24 | — | 0.05× |
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 | $78.9M | $188.1M |
| 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INDBSBCF
| Q4 25 | $78.9M | $188.1M | ||
| Q3 25 | $52.2M | $30.2M | ||
| Q2 25 | $106.7M | $72.3M | ||
| Q1 25 | $13.3M | $31.0M | ||
| Q4 24 | $42.9M | $179.9M | ||
| Q3 24 | $70.2M | $53.4M | ||
| Q2 24 | $65.6M | $56.9M | ||
| Q1 24 | $51.1M | $24.7M |
自由现金流INDBSBCF
| Q4 25 | $75.5M | — | ||
| Q3 25 | $49.7M | — | ||
| Q2 25 | $102.5M | — | ||
| Q1 25 | $11.3M | — | ||
| Q4 24 | $36.5M | — | ||
| Q3 24 | $64.4M | — | ||
| Q2 24 | $61.9M | — | ||
| Q1 24 | $46.7M | — |
自由现金流率INDBSBCF
| Q4 25 | 35.5% | — | ||
| Q3 25 | 24.4% | — | ||
| Q2 25 | 69.5% | — | ||
| Q1 25 | 7.8% | — | ||
| Q4 24 | 25.2% | — | ||
| Q3 24 | 45.4% | — | ||
| Q2 24 | 44.9% | — | ||
| Q1 24 | 34.0% | — |
资本支出强度INDBSBCF
| Q4 25 | 1.6% | — | ||
| Q3 25 | 1.2% | — | ||
| Q2 25 | 2.9% | — | ||
| Q1 25 | 1.4% | — | ||
| Q4 24 | 4.4% | — | ||
| Q3 24 | 4.1% | — | ||
| Q2 24 | 2.7% | — | ||
| Q1 24 | 3.2% | — |
现金转化率INDBSBCF
| Q4 25 | 1.05× | — | ||
| Q3 25 | 1.52× | 0.83× | ||
| Q2 25 | 2.09× | 1.69× | ||
| Q1 25 | 0.30× | 0.99× | ||
| Q4 24 | 0.86× | — | ||
| Q3 24 | 1.64× | 1.74× | ||
| Q2 24 | 1.28× | 1.88× | ||
| Q1 24 | 1.07× | 0.95× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
