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MERCANTILE BANK CORP（MBWM）与OneSpan Inc.（OSPN）财务数据对比。点击上方公司名可切换其他公司
MERCANTILE BANK CORP的季度营收约是OneSpan Inc.的1.0倍（$67.6M vs $65.9M），MERCANTILE BANK CORP净利率更高（33.6% vs 17.5%，领先16.0%），过去两年MERCANTILE BANK CORP的营收复合增速更高（9.1% vs 4.0%）
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。
OneSpan Inc.是一家总部位于美国马萨诸塞州波士顿的信息安全企业，核心业务涵盖网络欺诈防御平台搭建、多因素身份验证工具提供以及电子签名软件开发，为各类机构提供专业的数字安全与身份合规管理解决方案。
MBWM vs OSPN — 直观对比
营收规模更大
MBWM
是对方的1.0倍
$65.9M
净利率更高
MBWM
高出16.0%
17.5%
两年增速更快
MBWM
近两年复合增速
4.0%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $67.6M | $65.9M |
| 净利润 | $22.7M | $11.6M |
| 毛利率 | — | 73.6% |
| 营业利润率 | — | 22.5% |
| 净利率 | 33.6% | 17.5% |
| 营收同比 | — | 4.1% |
| 净利润同比 | 16.1% | — |
| 每股收益（稀释后） | $1.32 | $0.39 |
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MBWMOSPN
| Q1 26 | $67.6M | $65.9M | ||
| Q4 25 | $62.1M | $62.9M | ||
| Q3 25 | $62.4M | $57.1M | ||
| Q2 25 | $60.9M | $59.8M | ||
| Q1 25 | $57.3M | $63.4M | ||
| Q4 24 | $58.5M | $61.2M | ||
| Q3 24 | $58.0M | $56.2M | ||
| Q2 24 | $56.8M | $60.9M |
净利润MBWMOSPN
| Q1 26 | $22.7M | $11.6M | ||
| Q4 25 | $22.8M | $43.5M | ||
| Q3 25 | $23.8M | $6.5M | ||
| Q2 25 | $22.6M | $8.3M | ||
| Q1 25 | $19.5M | $14.5M | ||
| Q4 24 | $19.6M | $28.8M | ||
| Q3 24 | $19.6M | $8.3M | ||
| Q2 24 | $18.8M | $6.6M |
毛利率MBWMOSPN
| Q1 26 | — | 73.6% | ||
| Q4 25 | — | 73.6% | ||
| Q3 25 | — | 73.6% | ||
| Q2 25 | — | 73.5% | ||
| Q1 25 | — | 74.3% | ||
| Q4 24 | — | 74.0% | ||
| Q3 24 | — | 73.9% | ||
| Q2 24 | — | 66.2% |
营业利润率MBWMOSPN
| Q1 26 | — | 22.5% | ||
| Q4 25 | 42.0% | 19.9% | ||
| Q3 25 | 44.0% | 14.4% | ||
| Q2 25 | 42.6% | 17.6% | ||
| Q1 25 | 42.0% | 27.1% | ||
| Q4 24 | 39.7% | 19.3% | ||
| Q3 24 | 42.4% | 20.0% | ||
| Q2 24 | 41.4% | 12.5% |
净利率MBWMOSPN
| Q1 26 | 33.6% | 17.5% | ||
| Q4 25 | 36.8% | 69.2% | ||
| Q3 25 | 38.1% | 11.4% | ||
| Q2 25 | 37.1% | 13.9% | ||
| Q1 25 | 34.1% | 22.9% | ||
| Q4 24 | 33.5% | 47.1% | ||
| Q3 24 | 33.8% | 14.7% | ||
| Q2 24 | 33.1% | 10.8% |
每股收益（稀释后）MBWMOSPN
| Q1 26 | $1.32 | $0.39 | ||
| Q4 25 | $1.41 | $1.13 | ||
| Q3 25 | $1.46 | $0.17 | ||
| Q2 25 | $1.39 | $0.21 | ||
| Q1 25 | $1.21 | $0.37 | ||
| Q4 24 | $1.20 | $0.73 | ||
| Q3 24 | $1.22 | $0.21 | ||
| Q2 24 | $1.17 | $0.17 |
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 | — | $49.8M |
| 总债务越低越好 | $1.5M | — |
| 股东权益账面价值 | $736.9M | $272.0M |
| 总资产 | $6.9B | $383.1M |
| 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MBWMOSPN
| Q1 26 | — | $49.8M | ||
| Q4 25 | — | $70.5M | ||
| Q3 25 | — | $85.6M | ||
| Q2 25 | — | $92.9M | ||
| Q1 25 | — | $105.2M | ||
| Q4 24 | — | $83.2M | ||
| Q3 24 | — | $77.5M | ||
| Q2 24 | — | $63.8M |
总债务MBWMOSPN
| Q1 26 | $1.5M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益MBWMOSPN
| Q1 26 | $736.9M | $272.0M | ||
| Q4 25 | $724.9M | $271.8M | ||
| Q3 25 | $657.6M | $238.3M | ||
| Q2 25 | $631.5M | $242.5M | ||
| Q1 25 | $608.3M | $231.1M | ||
| Q4 24 | $584.5M | $212.5M | ||
| Q3 24 | $583.3M | $194.6M | ||
| Q2 24 | $551.2M | $178.6M |
总资产MBWMOSPN
| Q1 26 | $6.9B | $383.1M | ||
| Q4 25 | $6.8B | $397.7M | ||
| Q3 25 | $6.3B | $343.5M | ||
| Q2 25 | $6.2B | $357.1M | ||
| Q1 25 | $6.1B | $333.8M | ||
| Q4 24 | $6.1B | $338.7M | ||
| Q3 24 | $5.9B | $289.3M | ||
| Q2 24 | $5.6B | $286.9M |
负债/权益比MBWMOSPN
| 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 | — | $28.2M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | 2.44× |
| 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MBWMOSPN
| Q1 26 | — | $28.2M | ||
| Q4 25 | $18.0M | $12.6M | ||
| Q3 25 | $23.1M | $11.3M | ||
| Q2 25 | $-7.8M | $6.2M | ||
| Q1 25 | $-3.0M | $29.4M | ||
| Q4 24 | $101.1M | $12.4M | ||
| Q3 24 | $-8.1M | $14.0M | ||
| Q2 24 | $9.1M | $2.3M |
自由现金流MBWMOSPN
| Q1 26 | — | — | ||
| Q4 25 | — | $9.6M | ||
| Q3 25 | — | $8.8M | ||
| Q2 25 | — | $4.4M | ||
| Q1 25 | — | $27.7M | ||
| Q4 24 | — | $10.5M | ||
| Q3 24 | — | $12.0M | ||
| Q2 24 | — | $26.0K |
自由现金流率MBWMOSPN
| Q1 26 | — | — | ||
| Q4 25 | — | 15.3% | ||
| Q3 25 | — | 15.4% | ||
| Q2 25 | — | 7.3% | ||
| Q1 25 | — | 43.8% | ||
| Q4 24 | — | 17.1% | ||
| Q3 24 | — | 21.4% | ||
| Q2 24 | — | 0.0% |
资本支出强度MBWMOSPN
| Q1 26 | — | — | ||
| Q4 25 | — | 4.7% | ||
| Q3 25 | — | 4.4% | ||
| Q2 25 | — | 3.1% | ||
| Q1 25 | — | 2.6% | ||
| Q4 24 | — | 3.2% | ||
| Q3 24 | — | 3.5% | ||
| Q2 24 | — | 3.7% |
现金转化率MBWMOSPN
| Q1 26 | — | 2.44× | ||
| Q4 25 | 0.79× | 0.29× | ||
| Q3 25 | 0.97× | 1.74× | ||
| Q2 25 | -0.35× | 0.75× | ||
| Q1 25 | -0.15× | 2.02× | ||
| Q4 24 | 5.15× | 0.43× | ||
| Q3 24 | -0.41× | 1.69× | ||
| Q2 24 | 0.49× | 0.35× |
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% |
OSPN
| Product and license | $35.5M | 54% |
| Services and other | $30.4M | 46% |
