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Merchants Bancorp（MBIN）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
Merchants Bancorp的季度营收约是Ribbon Communications Inc.的1.1倍（$175.2M vs $162.6M），Ribbon Communications Inc.净利率更高（54.8% vs 38.6%，领先16.1%），过去两年Merchants Bancorp的营收复合增速更高（4.8% vs -8.1%）
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。
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。
MBIN vs RBBN — 直观对比
营收规模更大
MBIN
是对方的1.1倍
$162.6M
净利率更高
RBBN
高出16.1%
38.6%
两年增速更快
MBIN
近两年复合增速
-8.1%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $175.2M | $162.6M |
| 净利润 | $67.7M | $89.1M |
| 毛利率 | — | 42.9% |
| 营业利润率 | — | 37.6% |
| 净利率 | 38.6% | 54.8% |
| 营收同比 | — | -10.3% |
| 净利润同比 | 16.3% | — |
| 每股收益（稀释后） | $1.25 | $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MBINRBBN
| Q1 26 | $175.2M | $162.6M | ||
| Q4 25 | $185.3M | $227.3M | ||
| Q3 25 | $171.1M | $215.4M | ||
| Q2 25 | $179.2M | $220.6M | ||
| Q1 25 | $145.9M | $181.3M | ||
| Q4 24 | $193.8M | $251.4M | ||
| Q3 24 | $149.6M | $210.2M | ||
| Q2 24 | $159.5M | $192.6M |
净利润MBINRBBN
| Q1 26 | $67.7M | $89.1M | ||
| Q4 25 | — | — | ||
| Q3 25 | $54.7M | $-12.1M | ||
| Q2 25 | $38.0M | $-11.1M | ||
| Q1 25 | $58.2M | $-26.2M | ||
| Q4 24 | — | — | ||
| Q3 24 | $61.3M | $-13.4M | ||
| Q2 24 | $76.4M | $-16.8M |
毛利率MBINRBBN
| 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MBINRBBN
| Q1 26 | — | 37.6% | ||
| Q4 25 | 39.9% | 4.1% | ||
| Q3 25 | 37.8% | 1.3% | ||
| Q2 25 | 27.3% | 1.9% | ||
| Q1 25 | 52.4% | -10.8% | ||
| Q4 24 | 66.0% | 13.2% | ||
| Q3 24 | 54.4% | -0.4% | ||
| Q2 24 | 62.2% | -1.0% |
净利率MBINRBBN
| Q1 26 | 38.6% | 54.8% | ||
| Q4 25 | — | — | ||
| Q3 25 | 32.0% | -5.6% | ||
| Q2 25 | 21.2% | -5.0% | ||
| Q1 25 | 39.9% | -14.5% | ||
| Q4 24 | — | — | ||
| Q3 24 | 41.0% | -6.4% | ||
| Q2 24 | 47.9% | -8.7% |
每股收益（稀释后）MBINRBBN
| Q1 26 | $1.25 | $0.50 | ||
| Q4 25 | $1.28 | $0.50 | ||
| Q3 25 | $0.97 | $-0.07 | ||
| Q2 25 | $0.60 | $-0.06 | ||
| Q1 25 | $0.93 | $-0.15 | ||
| Q4 24 | $1.84 | $0.05 | ||
| Q3 24 | $1.17 | $-0.08 | ||
| Q2 24 | $1.49 | $-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 | $83.2M | $67.6M |
| 总债务越低越好 | $32.0M | — |
| 股东权益账面价值 | $2.3B | $419.1M |
| 总资产 | $20.3B | — |
| 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MBINRBBN
| Q1 26 | $83.2M | $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MBINRBBN
| Q1 26 | $32.0M | — | ||
| 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MBINRBBN
| Q1 26 | $2.3B | $419.1M | ||
| Q4 25 | $2.3B | $449.0M | ||
| Q3 25 | $2.2B | $360.1M | ||
| Q2 25 | $2.2B | $370.4M | ||
| Q1 25 | $2.2B | $381.8M | ||
| Q4 24 | $2.2B | $404.6M | ||
| Q3 24 | $1.9B | $395.5M | ||
| Q2 24 | $1.9B | $405.0M |
总资产MBINRBBN
| Q1 26 | $20.3B | — | ||
| Q4 25 | $19.4B | $1.2B | ||
| Q3 25 | $19.4B | $1.1B | ||
| Q2 25 | $19.1B | $1.1B | ||
| Q1 25 | $18.8B | $1.1B | ||
| Q4 24 | $18.8B | $1.2B | ||
| Q3 24 | $18.7B | $1.1B | ||
| Q2 24 | $18.2B | $1.1B |
负债/权益比MBINRBBN
| Q1 26 | 0.01× | — | ||
| 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
MBIN
| Net Interest Income | $128.6M | 73% |
| Noninterest Income | $46.6M | 27% |
RBBN
| Service | $94.5M | 58% |
| Product | $68.1M | 42% |
