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Merchants Bancorp（MBIN）与OneStream, Inc.（OS）财务数据对比。点击上方公司名可切换其他公司
Merchants Bancorp的季度营收约是OneStream, Inc.的1.1倍（$175.2M vs $163.7M），Merchants Bancorp净利率更高（38.6% vs 0.6%，领先38.0%），过去两年OneStream, Inc.的营收复合增速更高（21.8% vs 4.8%）
Ameris Bancorp是总部位于美国佐治亚州亚特兰大的银行控股企业，旗下设有Ameris Bank子公司，在佐治亚州、阿拉巴马州、佛罗里达州、北卡罗来纳州、南卡罗来纳州运营全服务网点，同时在上述五州及弗吉尼亚州、马里兰州、田纳西州设立仅办理抵押贷款业务的网点，为个人和企业客户提供线上及移动端银行服务。
Blue Stream面向美国佛罗里达州科勒尔斯普林斯、韦斯顿两地的居民及商业客户，提供有线电视、有线固话、数字录像服务，以及最高速率达1G的宽带互联网接入服务，深耕当地通信市场，为用户提供稳定可靠的多元通信解决方案。
MBIN vs OS — 直观对比
营收规模更大
MBIN
是对方的1.1倍
$163.7M
净利率更高
MBIN
高出38.0%
0.6%
两年增速更快
OS
近两年复合增速
4.8%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $175.2M | $163.7M |
| 净利润 | $67.7M | $999.0K |
| 毛利率 | — | 69.8% |
| 营业利润率 | — | -3.2% |
| 净利率 | 38.6% | 0.6% |
| 营收同比 | — | 23.6% |
| 净利润同比 | 16.3% | — |
| 每股收益（稀释后） | $1.25 | — |
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MBINOS
| Q1 26 | $175.2M | — | ||
| Q4 25 | $185.3M | $163.7M | ||
| Q3 25 | $171.1M | $154.3M | ||
| Q2 25 | $179.2M | $147.6M | ||
| Q1 25 | $145.9M | $136.3M | ||
| Q4 24 | $193.8M | $132.5M | ||
| Q3 24 | $149.6M | $129.1M | ||
| Q2 24 | $159.5M | $117.5M |
净利润MBINOS
| Q1 26 | $67.7M | — | ||
| Q4 25 | — | $999.0K | ||
| Q3 25 | $54.7M | $-8.8M | ||
| Q2 25 | $38.0M | $-18.4M | ||
| Q1 25 | $58.2M | $-24.0M | ||
| Q4 24 | — | — | ||
| Q3 24 | $61.3M | $-171.9M | ||
| Q2 24 | $76.4M | $-7.8M |
毛利率MBINOS
| Q1 26 | — | — | ||
| Q4 25 | — | 69.8% | ||
| Q3 25 | — | 68.1% | ||
| Q2 25 | — | 68.6% | ||
| Q1 25 | — | 68.0% | ||
| Q4 24 | — | 66.8% | ||
| Q3 24 | — | 50.1% | ||
| Q2 24 | — | 68.5% |
营业利润率MBINOS
| Q1 26 | — | — | ||
| Q4 25 | 39.9% | -3.2% | ||
| Q3 25 | 37.8% | -11.3% | ||
| Q2 25 | 27.3% | -21.8% | ||
| Q1 25 | 52.4% | -29.3% | ||
| Q4 24 | 66.0% | -35.8% | ||
| Q3 24 | 54.4% | -197.6% | ||
| Q2 24 | 62.2% | -9.8% |
净利率MBINOS
| Q1 26 | 38.6% | — | ||
| Q4 25 | — | 0.6% | ||
| Q3 25 | 32.0% | -5.7% | ||
| Q2 25 | 21.2% | -12.5% | ||
| Q1 25 | 39.9% | -17.6% | ||
| Q4 24 | — | — | ||
| Q3 24 | 41.0% | -133.1% | ||
| Q2 24 | 47.9% | -6.7% |
每股收益（稀释后）MBINOS
| Q1 26 | $1.25 | — | ||
| Q4 25 | $1.28 | — | ||
| Q3 25 | $0.97 | — | ||
| Q2 25 | $0.60 | — | ||
| Q1 25 | $0.93 | — | ||
| Q4 24 | $1.84 | — | ||
| Q3 24 | $1.17 | $-1.06 | ||
| Q2 24 | $1.49 | — |
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 | $83.2M | $693.6M |
| 总债务越低越好 | $32.0M | — |
| 股东权益账面价值 | $2.3B | $504.7M |
| 总资产 | $20.3B | $1.0B |
| 负债/权益比越低杠杆越低 | 0.01× | — |
8季度趋势，按日历期对齐
现金及短期投资MBINOS
| Q1 26 | $83.2M | — | ||
| Q4 25 | — | $693.6M | ||
| Q3 25 | — | $653.9M | ||
| Q2 25 | — | $652.1M | ||
| Q1 25 | — | $593.9M | ||
| Q4 24 | — | $544.2M | ||
| Q3 24 | — | $495.5M | ||
| Q2 24 | — | $140.5M |
总债务MBINOS
| Q1 26 | $32.0M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益MBINOS
| Q1 26 | $2.3B | — | ||
| Q4 25 | $2.3B | $504.7M | ||
| Q3 25 | $2.2B | $472.1M | ||
| Q2 25 | $2.2B | $458.2M | ||
| Q1 25 | $2.2B | $412.9M | ||
| Q4 24 | $2.2B | $386.2M | ||
| Q3 24 | $1.9B | $458.2M | ||
| Q2 24 | $1.9B | $97.5M |
总资产MBINOS
| Q1 26 | $20.3B | — | ||
| Q4 25 | $19.4B | $1.0B | ||
| Q3 25 | $19.4B | $949.4M | ||
| Q2 25 | $19.1B | $910.5M | ||
| Q1 25 | $18.8B | $867.3M | ||
| Q4 24 | $18.8B | $823.2M | ||
| Q3 24 | $18.7B | $750.1M | ||
| Q2 24 | $18.2B | $379.7M |
负债/权益比MBINOS
| Q1 26 | 0.01× | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | — | $25.8M |
| 自由现金流经营现金流 - 资本支出 | — | $25.6M |
| 自由现金流率自由现金流/营收 | — | 15.7% |
| 资本支出强度资本支出/营收 | — | 0.1% |
| 现金转化率经营现金流/净利润 | — | 25.79× |
| 过去12个月自由现金流最近4个季度 | — | $95.6M |
8季度趋势，按日历期对齐
经营现金流MBINOS
| Q1 26 | — | — | ||
| Q4 25 | $-341.2M | $25.8M | ||
| Q3 25 | $29.8M | $5.0M | ||
| Q2 25 | $-121.2M | $29.7M | ||
| Q1 25 | $148.0M | $36.2M | ||
| Q4 24 | $-835.3M | — | ||
| Q3 24 | $-492.6M | $2.4M | ||
| Q2 24 | $51.1M | $8.1M |
自由现金流MBINOS
| Q1 26 | — | — | ||
| Q4 25 | $-362.2M | $25.6M | ||
| Q3 25 | $24.0M | $4.8M | ||
| Q2 25 | $-125.7M | $29.4M | ||
| Q1 25 | $141.2M | $35.8M | ||
| Q4 24 | $-853.7M | — | ||
| Q3 24 | $-497.2M | $1.3M | ||
| Q2 24 | $45.8M | $7.7M |
自由现金流率MBINOS
| Q1 26 | — | — | ||
| Q4 25 | -195.5% | 15.7% | ||
| Q3 25 | 14.0% | 3.1% | ||
| Q2 25 | -70.1% | 19.9% | ||
| Q1 25 | 96.8% | 26.3% | ||
| Q4 24 | -440.6% | — | ||
| Q3 24 | -332.4% | 1.0% | ||
| Q2 24 | 28.7% | 6.6% |
资本支出强度MBINOS
| Q1 26 | — | — | ||
| Q4 25 | 11.3% | 0.1% | ||
| Q3 25 | 3.4% | 0.1% | ||
| Q2 25 | 2.5% | 0.2% | ||
| Q1 25 | 4.7% | 0.3% | ||
| Q4 24 | 9.5% | — | ||
| Q3 24 | 3.0% | 0.8% | ||
| Q2 24 | 3.3% | 0.3% |
现金转化率MBINOS
| Q1 26 | — | — | ||
| Q4 25 | — | 25.79× | ||
| Q3 25 | 0.54× | — | ||
| Q2 25 | -3.19× | — | ||
| Q1 25 | 2.54× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | -8.04× | — | ||
| Q2 24 | 0.67× | — |
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
MBIN
| Net Interest Income | $128.6M | 73% |
| Noninterest Income | $46.6M | 27% |
OS
| Subscription And Circulation | $150.3M | 92% |
| Professional Services And Other | $9.4M | 6% |
| License | $4.0M | 2% |
