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Live Oak Bancshares, Inc.（LOB）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
Ribbon Communications Inc.的季度营收约是Live Oak Bancshares, Inc.的1.1倍（$162.6M vs $145.5M），Ribbon Communications Inc.净利率更高（54.8% vs 19.2%，领先35.6%），Live Oak Bancshares, Inc.同比增速更快（18.4% vs -10.3%），过去两年Live Oak Bancshares, Inc.的营收复合增速更高（7.7% vs -8.1%）
Live Oak Bancshares, Inc.是一家美国金融控股公司，旗下子公司Live Oak Bank总部位于北卡罗来纳州威尔明顿，业务覆盖美国全部50个州，专注为小企业主提供金融服务，2022年按放贷金额计是美国SBA 7(a)贷款项目的头部放贷机构。
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。
LOB vs RBBN — 直观对比
营收规模更大
RBBN
是对方的1.1倍
$145.5M
营收增速更快
LOB
高出28.7%
-10.3%
净利率更高
RBBN
高出35.6%
19.2%
两年增速更快
LOB
近两年复合增速
-8.1%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $145.5M | $162.6M |
| 净利润 | $27.9M | $89.1M |
| 毛利率 | — | 42.9% |
| 营业利润率 | — | 37.6% |
| 净利率 | 19.2% | 54.8% |
| 营收同比 | 18.4% | -10.3% |
| 净利润同比 | 187.6% | — |
| 每股收益（稀释后） | $0.60 | $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LOBRBBN
| Q1 26 | $145.5M | $162.6M | ||
| Q4 25 | $161.9M | $227.3M | ||
| Q3 25 | $146.1M | $215.4M | ||
| Q2 25 | $143.7M | $220.6M | ||
| Q1 25 | $126.1M | $181.3M | ||
| Q4 24 | $116.9M | $251.4M | ||
| Q3 24 | $129.9M | $210.2M | ||
| Q2 24 | $125.5M | $192.6M |
净利润LOBRBBN
| Q1 26 | $27.9M | $89.1M | ||
| Q4 25 | $46.2M | — | ||
| Q3 25 | $26.5M | $-12.1M | ||
| Q2 25 | $23.4M | $-11.1M | ||
| Q1 25 | $9.7M | $-26.2M | ||
| Q4 24 | $9.9M | — | ||
| Q3 24 | $13.0M | $-13.4M | ||
| Q2 24 | $27.0M | $-16.8M |
毛利率LOBRBBN
| 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LOBRBBN
| Q1 26 | — | 37.6% | ||
| Q4 25 | 38.2% | 4.1% | ||
| Q3 25 | 25.0% | 1.3% | ||
| Q2 25 | 21.7% | 1.9% | ||
| Q1 25 | 10.4% | -10.8% | ||
| Q4 24 | 11.3% | 13.2% | ||
| Q3 24 | 13.7% | -0.4% | ||
| Q2 24 | 28.7% | -1.0% |
净利率LOBRBBN
| Q1 26 | 19.2% | 54.8% | ||
| Q4 25 | 28.5% | — | ||
| Q3 25 | 18.1% | -5.6% | ||
| Q2 25 | 16.3% | -5.0% | ||
| Q1 25 | 7.7% | -14.5% | ||
| Q4 24 | 8.5% | — | ||
| Q3 24 | 10.0% | -6.4% | ||
| Q2 24 | 21.5% | -8.7% |
每股收益（稀释后）LOBRBBN
| Q1 26 | $0.60 | $0.50 | ||
| Q4 25 | $0.96 | $0.50 | ||
| Q3 25 | $0.55 | $-0.07 | ||
| Q2 25 | $0.51 | $-0.06 | ||
| Q1 25 | $0.21 | $-0.15 | ||
| Q4 24 | $0.22 | $0.05 | ||
| Q3 24 | $0.28 | $-0.08 | ||
| Q2 24 | $0.59 | $-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 | $1.3B | $419.1M |
| 总资产 | $15.3B | — |
| 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LOBRBBN
| 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LOBRBBN
| 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LOBRBBN
| Q1 26 | $1.3B | $419.1M | ||
| Q4 25 | $1.2B | $449.0M | ||
| Q3 25 | $1.2B | $360.1M | ||
| Q2 25 | $1.1B | $370.4M | ||
| Q1 25 | $1.0B | $381.8M | ||
| Q4 24 | $999.0M | $404.6M | ||
| Q3 24 | $1.0B | $395.5M | ||
| Q2 24 | $961.0M | $405.0M |
总资产LOBRBBN
| Q1 26 | $15.3B | — | ||
| Q4 25 | $15.1B | $1.2B | ||
| Q3 25 | $14.7B | $1.1B | ||
| Q2 25 | $13.8B | $1.1B | ||
| Q1 25 | $13.6B | $1.1B | ||
| Q4 24 | $12.9B | $1.2B | ||
| Q3 24 | $12.6B | $1.1B | ||
| Q2 24 | $11.9B | $1.1B |
负债/权益比LOBRBBN
| 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× |
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
LOB
暂无分部数据
RBBN
| Service | $94.5M | 58% |
| Product | $68.1M | 42% |
