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MERCANTILE BANK CORP（MBWM）与Offerpad Solutions Inc.（OPAD）财务数据对比。点击上方公司名可切换其他公司
Offerpad Solutions Inc.的季度营收约是MERCANTILE BANK CORP的1.7倍（$114.1M vs $67.6M），过去两年MERCANTILE BANK CORP的营收复合增速更高（9.1% vs -36.8%）
泰米尔纳德商业银行（TMB）是一家印度银行，总部位于泰米尔纳德邦杜蒂戈林。该行始建于1921年，最初名为纳达尔银行，1962年11月更名为泰米尔纳德商业银行，以拓展纳达尔社群以外的业务。目前该银行在印度全境拥有600家全功能网点、12个区域办事处及各类配套服务中心与自助设施。
Offerpad Solutions Inc是美国知名房地产科技企业，专注于简化住宅房产交易流程，采用iBuyer模式直接向卖家收购房屋，完成翻新后挂牌出售，同时提供按揭、产权服务、灵活搬迁方案等配套服务，业务覆盖美国数十个州。
MBWM vs OPAD — 直观对比
营收规模更大
OPAD
是对方的1.7倍
$67.6M
两年增速更快
MBWM
近两年复合增速
-36.8%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $67.6M | $114.1M |
| 净利润 | $22.7M | — |
| 毛利率 | — | 7.0% |
| 营业利润率 | — | — |
| 净利率 | 33.6% | — |
| 营收同比 | — | -34.5% |
| 净利润同比 | 16.1% | 49.1% |
| 每股收益（稀释后） | $1.32 | — |
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MBWMOPAD
| Q1 26 | $67.6M | — | ||
| Q4 25 | $62.1M | $114.1M | ||
| Q3 25 | $62.4M | $132.7M | ||
| Q2 25 | $60.9M | $160.3M | ||
| Q1 25 | $57.3M | $160.7M | ||
| Q4 24 | $58.5M | $174.3M | ||
| Q3 24 | $58.0M | $208.1M | ||
| Q2 24 | $56.8M | $251.1M |
净利润MBWMOPAD
| Q1 26 | $22.7M | — | ||
| Q4 25 | $22.8M | — | ||
| Q3 25 | $23.8M | $-11.6M | ||
| Q2 25 | $22.6M | $-10.9M | ||
| Q1 25 | $19.5M | $-15.1M | ||
| Q4 24 | $19.6M | $-17.3M | ||
| Q3 24 | $19.6M | $-13.5M | ||
| Q2 24 | $18.8M | $-13.8M |
毛利率MBWMOPAD
| Q1 26 | — | — | ||
| Q4 25 | — | 7.0% | ||
| Q3 25 | — | 7.0% | ||
| Q2 25 | — | 8.9% | ||
| Q1 25 | — | 6.5% | ||
| Q4 24 | — | 6.1% | ||
| Q3 24 | — | 8.2% | ||
| Q2 24 | — | 8.7% |
营业利润率MBWMOPAD
| Q1 26 | — | — | ||
| Q4 25 | 42.0% | — | ||
| Q3 25 | 44.0% | -5.1% | ||
| Q2 25 | 42.6% | -4.9% | ||
| Q1 25 | 42.0% | -7.2% | ||
| Q4 24 | 39.7% | -7.8% | ||
| Q3 24 | 42.4% | -4.3% | ||
| Q2 24 | 41.4% | -3.9% |
净利率MBWMOPAD
| Q1 26 | 33.6% | — | ||
| Q4 25 | 36.8% | — | ||
| Q3 25 | 38.1% | -8.7% | ||
| Q2 25 | 37.1% | -6.8% | ||
| Q1 25 | 34.1% | -9.4% | ||
| Q4 24 | 33.5% | -9.9% | ||
| Q3 24 | 33.8% | -6.5% | ||
| Q2 24 | 33.1% | -5.5% |
每股收益（稀释后）MBWMOPAD
| Q1 26 | $1.32 | — | ||
| Q4 25 | $1.41 | — | ||
| Q3 25 | $1.46 | $-0.37 | ||
| Q2 25 | $1.39 | $-0.39 | ||
| Q1 25 | $1.21 | $-0.55 | ||
| Q4 24 | $1.20 | $-0.64 | ||
| Q3 24 | $1.22 | $-0.49 | ||
| Q2 24 | $1.17 | $-0.50 |
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 | — | $26.5M |
| 总债务越低越好 | $1.5M | — |
| 股东权益账面价值 | $736.9M | $38.2M |
| 总资产 | $6.9B | $154.8M |
| 负债/权益比越低杠杆越低 | 0.00× | — |
8季度趋势，按日历期对齐
现金及短期投资MBWMOPAD
| Q1 26 | — | — | ||
| Q4 25 | — | $26.5M | ||
| Q3 25 | — | $31.0M | ||
| Q2 25 | — | $22.6M | ||
| Q1 25 | — | $30.8M | ||
| Q4 24 | — | $43.0M | ||
| Q3 24 | — | $48.5M | ||
| Q2 24 | — | $56.9M |
总债务MBWMOPAD
| Q1 26 | $1.5M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益MBWMOPAD
| Q1 26 | $736.9M | — | ||
| Q4 25 | $724.9M | $38.2M | ||
| Q3 25 | $657.6M | $39.9M | ||
| Q2 25 | $631.5M | $24.5M | ||
| Q1 25 | $608.3M | $34.2M | ||
| Q4 24 | $584.5M | $47.7M | ||
| Q3 24 | $583.3M | $64.7M | ||
| Q2 24 | $551.2M | $77.6M |
总资产MBWMOPAD
| Q1 26 | $6.9B | — | ||
| Q4 25 | $6.8B | $154.8M | ||
| Q3 25 | $6.3B | $223.5M | ||
| Q2 25 | $6.2B | $268.0M | ||
| Q1 25 | $6.1B | $274.5M | ||
| Q4 24 | $6.1B | $313.1M | ||
| Q3 24 | $5.9B | $338.5M | ||
| Q2 24 | $5.6B | $406.6M |
负债/权益比MBWMOPAD
| Q1 26 | 0.00× | — | ||
| 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 | — | $66.8M |
| 自由现金流经营现金流 - 资本支出 | — | $65.7M |
| 自由现金流率自由现金流/营收 | — | 57.6% |
| 资本支出强度资本支出/营收 | — | 0.9% |
| 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 | — | — |
8季度趋势，按日历期对齐
经营现金流MBWMOPAD
| Q1 26 | — | — | ||
| Q4 25 | $18.0M | $66.8M | ||
| Q3 25 | $23.1M | $40.0M | ||
| Q2 25 | $-7.8M | $-13.5M | ||
| Q1 25 | $-3.0M | $-10.2M | ||
| Q4 24 | $101.1M | $20.8M | ||
| Q3 24 | $-8.1M | $39.6M | ||
| Q2 24 | $9.1M | $-54.4M |
自由现金流MBWMOPAD
| Q1 26 | — | — | ||
| Q4 25 | — | $65.7M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $-13.6M | ||
| Q1 25 | — | $-11.2M | ||
| Q4 24 | — | $15.4M | ||
| Q3 24 | — | $38.7M | ||
| Q2 24 | — | $-54.4M |
自由现金流率MBWMOPAD
| Q1 26 | — | — | ||
| Q4 25 | — | 57.6% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | -8.5% | ||
| Q1 25 | — | -7.0% | ||
| Q4 24 | — | 8.9% | ||
| Q3 24 | — | 18.6% | ||
| Q2 24 | — | -21.7% |
资本支出强度MBWMOPAD
| Q1 26 | — | — | ||
| Q4 25 | — | 0.9% | ||
| Q3 25 | — | 0.0% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | — | 0.6% | ||
| Q4 24 | — | 3.1% | ||
| Q3 24 | — | 0.4% | ||
| Q2 24 | — | 0.0% |
现金转化率MBWMOPAD
| Q1 26 | — | — | ||
| Q4 25 | 0.79× | — | ||
| Q3 25 | 0.97× | — | ||
| Q2 25 | -0.35× | — | ||
| Q1 25 | -0.15× | — | ||
| Q4 24 | 5.15× | — | ||
| Q3 24 | -0.41× | — | ||
| Q2 24 | 0.49× | — |
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
MBWM
| Net Interest Income | $55.9M | 83% |
| Noninterest Income | $11.7M | 17% |
OPAD
暂无分部数据
