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Merchants Bancorp（MBIN）与Stitch Fix, Inc.（SFIX）财务数据对比。点击上方公司名可切换其他公司
Stitch Fix, Inc.的季度营收约是Merchants Bancorp的2.0倍（$342.1M vs $175.2M），Merchants Bancorp净利率更高（38.6% vs -1.9%，领先40.5%），过去两年Merchants Bancorp的营收复合增速更高（4.8% vs 1.8%）
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。
Stitch Fix是美国的在线个人造型服务平台，依托推荐算法与数据科学技术，根据顾客的身形尺寸、预算和风格偏好推送个性化服饰单品。该公司创立于2011年，2017年完成首次公开募股，目前总部位于旧金山。
MBIN vs SFIX — 直观对比
营收规模更大
SFIX
是对方的2.0倍
$175.2M
净利率更高
MBIN
高出40.5%
-1.9%
两年增速更快
MBIN
近两年复合增速
1.8%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $175.2M | $342.1M |
| 净利润 | $67.7M | $-6.4M |
| 毛利率 | — | 43.6% |
| 营业利润率 | — | -2.5% |
| 净利率 | 38.6% | -1.9% |
| 营收同比 | — | 7.3% |
| 净利润同比 | 16.3% | -1.7% |
| 每股收益（稀释后） | $1.25 | $-0.05 |
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MBINSFIX
| Q1 26 | $175.2M | — | ||
| Q4 25 | $185.3M | $342.1M | ||
| Q3 25 | $171.1M | $311.2M | ||
| Q2 25 | $179.2M | $325.0M | ||
| Q1 25 | $145.9M | $312.1M | ||
| Q4 24 | $193.8M | $318.8M | ||
| Q3 24 | $149.6M | $319.6M | ||
| Q2 24 | $159.5M | $322.7M |
净利润MBINSFIX
| Q1 26 | $67.7M | — | ||
| Q4 25 | — | $-6.4M | ||
| Q3 25 | $54.7M | $-8.6M | ||
| Q2 25 | $38.0M | $-7.4M | ||
| Q1 25 | $58.2M | $-6.5M | ||
| Q4 24 | — | $-6.3M | ||
| Q3 24 | $61.3M | $-36.5M | ||
| Q2 24 | $76.4M | $-21.3M |
毛利率MBINSFIX
| Q1 26 | — | — | ||
| Q4 25 | — | 43.6% | ||
| Q3 25 | — | 43.6% | ||
| Q2 25 | — | 44.2% | ||
| Q1 25 | — | 44.5% | ||
| Q4 24 | — | 45.4% | ||
| Q3 24 | — | 44.6% | ||
| Q2 24 | — | 45.5% |
营业利润率MBINSFIX
| Q1 26 | — | — | ||
| Q4 25 | 39.9% | -2.5% | ||
| Q3 25 | 37.8% | -3.6% | ||
| Q2 25 | 27.3% | -3.0% | ||
| Q1 25 | 52.4% | -2.9% | ||
| Q4 24 | 66.0% | -2.8% | ||
| Q3 24 | 54.4% | -13.1% | ||
| Q2 24 | 62.2% | -7.7% |
净利率MBINSFIX
| Q1 26 | 38.6% | — | ||
| Q4 25 | — | -1.9% | ||
| Q3 25 | 32.0% | -2.8% | ||
| Q2 25 | 21.2% | -2.3% | ||
| Q1 25 | 39.9% | -2.1% | ||
| Q4 24 | — | -2.0% | ||
| Q3 24 | 41.0% | -11.4% | ||
| Q2 24 | 47.9% | -6.6% |
每股收益（稀释后）MBINSFIX
| Q1 26 | $1.25 | — | ||
| Q4 25 | $1.28 | $-0.05 | ||
| Q3 25 | $0.97 | $-0.06 | ||
| Q2 25 | $0.60 | $-0.06 | ||
| Q1 25 | $0.93 | $-0.05 | ||
| Q4 24 | $1.84 | $-0.05 | ||
| Q3 24 | $1.17 | $-0.29 | ||
| Q2 24 | $1.49 | $-0.18 |
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 | $244.2M |
| 总债务越低越好 | $32.0M | — |
| 股东权益账面价值 | $2.3B | $204.1M |
| 总资产 | $20.3B | $530.7M |
| 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MBINSFIX
| Q1 26 | $83.2M | — | ||
| Q4 25 | — | $244.2M | ||
| Q3 25 | — | $234.9M | ||
| Q2 25 | — | $234.2M | ||
| Q1 25 | — | $219.1M | ||
| Q4 24 | — | $253.3M | ||
| Q3 24 | — | $247.0M | ||
| Q2 24 | — | $244.5M |
总债务MBINSFIX
| Q1 26 | $32.0M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益MBINSFIX
| Q1 26 | $2.3B | — | ||
| Q4 25 | $2.3B | $204.1M | ||
| Q3 25 | $2.2B | $203.0M | ||
| Q2 25 | $2.2B | $200.4M | ||
| Q1 25 | $2.2B | $197.8M | ||
| Q4 24 | $2.2B | $190.5M | ||
| Q3 24 | $1.9B | $187.0M | ||
| Q2 24 | $1.9B | $208.9M |
总资产MBINSFIX
| Q1 26 | $20.3B | — | ||
| Q4 25 | $19.4B | $530.7M | ||
| Q3 25 | $19.4B | $480.6M | ||
| Q2 25 | $19.1B | $484.7M | ||
| Q1 25 | $18.8B | $472.6M | ||
| Q4 24 | $18.8B | $507.1M | ||
| Q3 24 | $18.7B | $486.9M | ||
| Q2 24 | $18.2B | $537.0M |
负债/权益比MBINSFIX
| 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 | — | $10.9M |
| 自由现金流经营现金流 - 资本支出 | — | $5.6M |
| 自由现金流率自由现金流/营收 | — | 1.6% |
| 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 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $4.9M |
8季度趋势，按日历期对齐
经营现金流MBINSFIX
| Q1 26 | — | — | ||
| Q4 25 | $-341.2M | $10.9M | ||
| Q3 25 | $29.8M | $7.0M | ||
| Q2 25 | $-121.2M | $20.5M | ||
| Q1 25 | $148.0M | $-16.2M | ||
| Q4 24 | $-835.3M | $14.3M | ||
| Q3 24 | $-492.6M | $8.2M | ||
| Q2 24 | $51.1M | $21.7M |
自由现金流MBINSFIX
| Q1 26 | — | — | ||
| Q4 25 | $-362.2M | $5.6M | ||
| Q3 25 | $24.0M | $2.8M | ||
| Q2 25 | $-125.7M | $16.0M | ||
| Q1 25 | $141.2M | $-19.4M | ||
| Q4 24 | $-853.7M | $9.9M | ||
| Q3 24 | $-497.2M | $4.5M | ||
| Q2 24 | $45.8M | $18.9M |
自由现金流率MBINSFIX
| Q1 26 | — | — | ||
| Q4 25 | -195.5% | 1.6% | ||
| Q3 25 | 14.0% | 0.9% | ||
| Q2 25 | -70.1% | 4.9% | ||
| Q1 25 | 96.8% | -6.2% | ||
| Q4 24 | -440.6% | 3.1% | ||
| Q3 24 | -332.4% | 1.4% | ||
| Q2 24 | 28.7% | 5.9% |
资本支出强度MBINSFIX
| Q1 26 | — | — | ||
| Q4 25 | 11.3% | 1.6% | ||
| Q3 25 | 3.4% | 1.4% | ||
| Q2 25 | 2.5% | 1.4% | ||
| Q1 25 | 4.7% | 1.0% | ||
| Q4 24 | 9.5% | 1.4% | ||
| Q3 24 | 3.0% | 1.2% | ||
| Q2 24 | 3.3% | 0.9% |
现金转化率MBINSFIX
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| 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% |
SFIX
暂无分部数据
