vs
IF Bancorp, Inc.（IROQ）与Rocky Mountain Chocolate Factory, Inc.（RMCF）财务数据对比。点击上方公司名可切换其他公司
Rocky Mountain Chocolate Factory, Inc.的季度营收约是IF Bancorp, Inc.的1.0倍（$7.5M vs $7.3M），IF Bancorp, Inc.净利率更高（18.1% vs -2.1%，领先20.2%），IF Bancorp, Inc.同比增速更快（16.8% vs -4.4%），IF Bancorp, Inc.自由现金流更多（$1.7M vs $-1.3M），过去两年IF Bancorp, Inc.的营收复合增速更高（16.5% vs 1.9%）
美国银行控股公司合众银行是总部位于明尼阿波利斯、在特拉华州注册的美国跨国银行机构，截至2025年为美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的金融机构，主营银行、投资、抵押贷款等金融业务。
落基山巧克力厂是美国知名巧克力企业，同时开展国际特许经营业务，集糖果生产与零售运营于一体，总部位于美国科罗拉多州杜兰戈，除美国本土门店外，在巴拿马、菲律宾也设有经营网点。
IROQ vs RMCF — 直观对比
营收规模更大
RMCF
是对方的1.0倍
$7.3M
营收增速更快
IROQ
高出21.3%
-4.4%
净利率更高
IROQ
高出20.2%
-2.1%
自由现金流更多
IROQ
多$3.0M
$-1.3M
两年增速更快
IROQ
近两年复合增速
1.9%
损益表 — Q2 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $7.3M | $7.5M |
| 净利润 | $1.3M | $-155.0K |
| 毛利率 | — | 34.0% |
| 营业利润率 | 24.9% | 1.1% |
| 净利率 | 18.1% | -2.1% |
| 营收同比 | 16.8% | -4.4% |
| 净利润同比 | 8.9% | 81.7% |
| 每股收益（稀释后） | $0.41 | $-0.02 |
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IROQRMCF
| Q4 25 | $7.3M | $7.5M | ||
| Q3 25 | $7.3M | $6.8M | ||
| Q2 25 | $6.9M | $6.4M | ||
| Q1 25 | $6.4M | $8.9M | ||
| Q4 24 | $6.3M | $7.9M | ||
| Q3 24 | $6.2M | $6.4M | ||
| Q2 24 | $5.7M | $6.4M | ||
| Q1 24 | $5.4M | $7.3M |
净利润IROQRMCF
| Q4 25 | $1.3M | $-155.0K | ||
| Q3 25 | $1.4M | $-662.0K | ||
| Q2 25 | $1.4M | $-324.0K | ||
| Q1 25 | $1.0M | $-2.9M | ||
| Q4 24 | $1.2M | $-847.0K | ||
| Q3 24 | $633.0K | $-722.0K | ||
| Q2 24 | $431.0K | $-1.7M | ||
| Q1 24 | $708.0K | $-1.6M |
毛利率IROQRMCF
| Q4 25 | — | 34.0% | ||
| Q3 25 | — | 23.6% | ||
| Q2 25 | — | 31.1% | ||
| Q1 25 | — | 10.8% | ||
| Q4 24 | — | 23.4% | ||
| Q3 24 | — | 31.8% | ||
| Q2 24 | — | 12.8% | ||
| Q1 24 | — | 24.3% |
营业利润率IROQRMCF
| Q4 25 | 24.9% | 1.1% | ||
| Q3 25 | 26.0% | -7.0% | ||
| Q2 25 | 29.1% | -2.3% | ||
| Q1 25 | 21.7% | -30.3% | ||
| Q4 24 | 26.8% | -8.9% | ||
| Q3 24 | 13.7% | -14.3% | ||
| Q2 24 | 9.3% | -25.4% | ||
| Q1 24 | 17.6% | -21.7% |
净利率IROQRMCF
| Q4 25 | 18.1% | -2.1% | ||
| Q3 25 | 19.0% | -9.7% | ||
| Q2 25 | 21.0% | -5.1% | ||
| Q1 25 | 15.8% | -32.5% | ||
| Q4 24 | 19.4% | -10.7% | ||
| Q3 24 | 10.2% | -11.3% | ||
| Q2 24 | 7.6% | -25.9% | ||
| Q1 24 | 13.1% | -21.9% |
每股收益（稀释后）IROQRMCF
| Q4 25 | $0.41 | $-0.02 | ||
| Q3 25 | $0.43 | $-0.09 | ||
| Q2 25 | $0.48 | $-0.04 | ||
| Q1 25 | $0.31 | $-0.38 | ||
| Q4 24 | $0.38 | $-0.11 | ||
| Q3 24 | $0.20 | $-0.11 | ||
| Q2 24 | $0.15 | $-0.26 | ||
| Q1 24 | $0.22 | $-0.25 |
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 | $8.8M | $641.0K |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $87.4M | $6.0M |
| 总资产 | $830.4M | $20.7M |
| 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IROQRMCF
| Q4 25 | $8.8M | $641.0K | ||
| Q3 25 | $8.0M | $2.0M | ||
| Q2 25 | $20.1M | $893.0K | ||
| Q1 25 | $8.9M | $720.0K | ||
| Q4 24 | $5.9M | $1.1M | ||
| Q3 24 | $7.8M | $973.0K | ||
| Q2 24 | $9.6M | $637.0K | ||
| Q1 24 | $16.1M | $2.1M |
股东权益IROQRMCF
| Q4 25 | $87.4M | $6.0M | ||
| Q3 25 | $84.5M | $6.1M | ||
| Q2 25 | $81.8M | $6.7M | ||
| Q1 25 | $78.9M | $7.0M | ||
| Q4 24 | $75.9M | $9.8M | ||
| Q3 24 | $78.8M | $10.5M | ||
| Q2 24 | $73.9M | $9.0M | ||
| Q1 24 | $72.4M | $10.6M |
总资产IROQRMCF
| Q4 25 | $830.4M | $20.7M | ||
| Q3 25 | $862.3M | $22.3M | ||
| Q2 25 | $887.7M | $20.1M | ||
| Q1 25 | $879.1M | $21.2M | ||
| Q4 24 | $885.1M | $21.6M | ||
| Q3 24 | $893.4M | $21.1M | ||
| Q2 24 | $887.7M | $19.0M | ||
| Q1 24 | $905.0M | $20.6M |
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 | $1.8M | $-1.2M |
| 自由现金流经营现金流 - 资本支出 | $1.7M | $-1.3M |
| 自由现金流率自由现金流/营收 | 23.7% | -16.9% |
| 资本支出强度资本支出/营收 | 0.9% | 0.5% |
| 现金转化率经营现金流/净利润 | 1.36× | — |
| 过去12个月自由现金流最近4个季度 | $9.5M | — |
8季度趋势，按日历期对齐
经营现金流IROQRMCF
| Q4 25 | $1.8M | $-1.2M | ||
| Q3 25 | $-539.0K | $-488.0K | ||
| Q2 25 | $6.8M | $350.0K | ||
| Q1 25 | $1.8M | $1.2M | ||
| Q4 24 | $-155.0K | $-2.1M | ||
| Q3 24 | $2.2M | $-3.5M | ||
| Q2 24 | $2.3M | $-2.2M | ||
| Q1 24 | $19.0K | $129.0K |
自由现金流IROQRMCF
| Q4 25 | $1.7M | $-1.3M | ||
| Q3 25 | $-582.0K | $-544.0K | ||
| Q2 25 | $6.5M | $182.0K | ||
| Q1 25 | $1.8M | — | ||
| Q4 24 | $-226.0K | — | ||
| Q3 24 | $2.1M | $-4.6M | ||
| Q2 24 | $2.0M | $-2.6M | ||
| Q1 24 | $-67.0K | $-352.3K |
自由现金流率IROQRMCF
| Q4 25 | 23.7% | -16.9% | ||
| Q3 25 | -7.9% | -8.0% | ||
| Q2 25 | 95.1% | 2.9% | ||
| Q1 25 | 28.2% | — | ||
| Q4 24 | -3.6% | — | ||
| Q3 24 | 33.6% | -72.6% | ||
| Q2 24 | 35.7% | -40.2% | ||
| Q1 24 | -1.2% | -4.9% |
资本支出强度IROQRMCF
| Q4 25 | 0.9% | 0.5% | ||
| Q3 25 | 0.6% | 0.8% | ||
| Q2 25 | 3.5% | 2.6% | ||
| Q1 25 | 0.4% | — | ||
| Q4 24 | 1.1% | — | ||
| Q3 24 | 1.2% | 17.5% | ||
| Q2 24 | 4.3% | 6.5% | ||
| Q1 24 | 1.6% | 6.6% |
现金转化率IROQRMCF
| Q4 25 | 1.36× | — | ||
| Q3 25 | -0.39× | — | ||
| Q2 25 | 4.69× | — | ||
| Q1 25 | 1.81× | — | ||
| Q4 24 | -0.13× | — | ||
| Q3 24 | 3.42× | — | ||
| Q2 24 | 5.30× | — | ||
| Q1 24 | 0.03× | — |
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
IROQ
暂无分部数据
RMCF
| Manufacturing | $5.9M | 78% |
| Transferred At Point In Time | $1.2M | 16% |
| Other | $414.0K | 5% |
