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INDEPENDENT BANK CORP（INDB）与null（SWIM）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null的1.8倍（$212.5M vs $117.3M），INDEPENDENT BANK CORP净利率更高（35.5% vs -7.3%，领先42.7%），INDEPENDENT BANK CORP同比增速更快（46.9% vs 5.3%），过去两年INDEPENDENT BANK CORP的营收复合增速更高（24.3% vs -14.4%）
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。
该企业是一家源自美国的跨国律师事务所，1934年创立于加利福尼亚州洛杉矶，在诉讼业务、公司法务以及监管合规法律领域拥有深厚的行业积累与知名度，是全球颇具影响力的综合性律所之一。
INDB vs SWIM — 直观对比
营收规模更大
INDB
是对方的1.8倍
$117.3M
营收增速更快
INDB
高出41.6%
5.3%
净利率更高
INDB
高出42.7%
-7.3%
两年增速更快
INDB
近两年复合增速
-14.4%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $212.5M | $117.3M |
| 净利润 | $75.3M | $-8.5M |
| 毛利率 | — | 31.7% |
| 营业利润率 | — | — |
| 净利率 | 35.5% | -7.3% |
| 营收同比 | 46.9% | 5.3% |
| 净利润同比 | 50.6% | -43.1% |
| 每股收益（稀释后） | $1.51 | $-0.07 |
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INDBSWIM
| Q1 26 | — | $117.3M | ||
| Q4 25 | $212.5M | $100.0M | ||
| Q3 25 | $203.3M | $161.9M | ||
| Q2 25 | $147.5M | $172.6M | ||
| Q1 25 | $145.5M | $111.4M | ||
| Q4 24 | $144.7M | $87.3M | ||
| Q3 24 | $141.7M | $150.5M | ||
| Q2 24 | $137.9M | $160.1M |
净利润INDBSWIM
| Q1 26 | — | $-8.5M | ||
| Q4 25 | $75.3M | $-7.0M | ||
| Q3 25 | $34.3M | $8.1M | ||
| Q2 25 | $51.1M | $16.0M | ||
| Q1 25 | $44.4M | $-6.0M | ||
| Q4 24 | $50.0M | $-29.2M | ||
| Q3 24 | $42.9M | $5.9M | ||
| Q2 24 | $51.3M | $13.3M |
毛利率INDBSWIM
| Q1 26 | — | 31.7% | ||
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 35.4% | ||
| Q2 25 | — | 37.1% | ||
| Q1 25 | — | 29.5% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 32.4% | ||
| Q2 24 | — | 33.1% |
营业利润率INDBSWIM
| Q1 26 | — | — | ||
| Q4 25 | — | -10.7% | ||
| Q3 25 | 21.8% | 13.3% | ||
| Q2 25 | 44.6% | 14.3% | ||
| Q1 25 | 39.3% | -4.4% | ||
| Q4 24 | — | -14.9% | ||
| Q3 24 | 39.0% | 8.9% | ||
| Q2 24 | 48.1% | 12.5% |
净利率INDBSWIM
| Q1 26 | — | -7.3% | ||
| Q4 25 | 35.5% | -7.0% | ||
| Q3 25 | 16.8% | 5.0% | ||
| Q2 25 | 34.6% | 9.3% | ||
| Q1 25 | 30.5% | -5.4% | ||
| Q4 24 | 34.6% | -33.4% | ||
| Q3 24 | 30.3% | 3.9% | ||
| Q2 24 | 37.2% | 8.3% |
每股收益（稀释后）INDBSWIM
| Q1 26 | — | $-0.07 | ||
| Q4 25 | $1.51 | $-0.06 | ||
| Q3 25 | $0.69 | $0.07 | ||
| Q2 25 | $1.20 | $0.13 | ||
| Q1 25 | $1.04 | $-0.05 | ||
| Q4 24 | $1.18 | $-0.24 | ||
| Q3 24 | $1.01 | $0.05 | ||
| Q2 24 | $1.21 | $0.11 |
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 | — | — |
| 总债务越低越好 | — | $3.3M |
| 股东权益账面价值 | $3.6B | $396.7M |
| 总资产 | $24.9B | $856.4M |
| 负债/权益比越低杠杆越低 | — | 0.01× |
8季度趋势，按日历期对齐
总债务INDBSWIM
| Q1 26 | — | $3.3M | ||
| Q4 25 | — | $279.8M | ||
| Q3 25 | — | $281.1M | ||
| Q2 25 | — | $281.5M | ||
| Q1 25 | — | $306.9M | ||
| Q4 24 | — | $281.5M | ||
| Q3 24 | — | $282.8M | ||
| Q2 24 | — | $282.4M |
股东权益INDBSWIM
| Q1 26 | — | $396.7M | ||
| Q4 25 | $3.6B | $405.9M | ||
| Q3 25 | $3.5B | $408.4M | ||
| Q2 25 | $3.1B | $398.4M | ||
| Q1 25 | $3.0B | $381.1M | ||
| Q4 24 | $3.0B | $387.2M | ||
| Q3 24 | $3.0B | $416.6M | ||
| Q2 24 | $2.9B | $408.1M |
总资产INDBSWIM
| Q1 26 | — | $856.4M | ||
| Q4 25 | $24.9B | $823.2M | ||
| Q3 25 | $25.0B | $844.4M | ||
| Q2 25 | $20.0B | $822.1M | ||
| Q1 25 | $19.9B | $824.6M | ||
| Q4 24 | $19.4B | $794.2M | ||
| Q3 24 | $19.4B | $853.4M | ||
| Q2 24 | $19.4B | $830.0M |
负债/权益比INDBSWIM
| Q1 26 | — | 0.01× | ||
| Q4 25 | — | 0.69× | ||
| Q3 25 | — | 0.69× | ||
| Q2 25 | — | 0.71× | ||
| Q1 25 | — | 0.81× | ||
| Q4 24 | — | 0.73× | ||
| Q3 24 | — | 0.68× | ||
| Q2 24 | — | 0.69× |
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 | $-47.7M |
| 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INDBSWIM
| Q1 26 | — | $-47.7M | ||
| Q4 25 | $78.9M | $23.3M | ||
| Q3 25 | $52.2M | $51.0M | ||
| Q2 25 | $106.7M | $36.0M | ||
| Q1 25 | $13.3M | $-46.9M | ||
| Q4 24 | $42.9M | $6.2M | ||
| Q3 24 | $70.2M | $37.2M | ||
| Q2 24 | $65.6M | $52.4M |
自由现金流INDBSWIM
| Q1 26 | — | — | ||
| Q4 25 | $75.5M | $14.1M | ||
| Q3 25 | $49.7M | $45.2M | ||
| Q2 25 | $102.5M | $29.1M | ||
| Q1 25 | $11.3M | $-50.3M | ||
| Q4 24 | $36.5M | $-98.0K | ||
| Q3 24 | $64.4M | $33.2M | ||
| Q2 24 | $61.9M | $47.9M |
自由现金流率INDBSWIM
| Q1 26 | — | — | ||
| Q4 25 | 35.5% | 14.1% | ||
| Q3 25 | 24.4% | 27.9% | ||
| Q2 25 | 69.5% | 16.8% | ||
| Q1 25 | 7.8% | -45.2% | ||
| Q4 24 | 25.2% | -0.1% | ||
| Q3 24 | 45.4% | 22.1% | ||
| Q2 24 | 44.9% | 29.9% |
资本支出强度INDBSWIM
| Q1 26 | — | — | ||
| Q4 25 | 1.6% | 9.2% | ||
| Q3 25 | 1.2% | 3.6% | ||
| Q2 25 | 2.9% | 4.0% | ||
| Q1 25 | 1.4% | 3.1% | ||
| Q4 24 | 4.4% | 7.2% | ||
| Q3 24 | 4.1% | 2.7% | ||
| Q2 24 | 2.7% | 2.8% |
现金转化率INDBSWIM
| Q1 26 | — | — | ||
| Q4 25 | 1.05× | — | ||
| Q3 25 | 1.52× | 6.29× | ||
| Q2 25 | 2.09× | 2.25× | ||
| Q1 25 | 0.30× | — | ||
| Q4 24 | 0.86× | — | ||
| Q3 24 | 1.64× | 6.32× | ||
| Q2 24 | 1.28× | 3.95× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
