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MERCANTILE BANK CORP（MBWM）与ZIPRECRUITER, INC.（ZIP）财务数据对比。点击上方公司名可切换其他公司
ZIPRECRUITER, INC.的季度营收约是MERCANTILE BANK CORP的1.7倍（$111.7M vs $67.6M），MERCANTILE BANK CORP净利率更高（33.6% vs -0.7%，领先34.3%），过去两年MERCANTILE BANK CORP的营收复合增速更高（9.1% vs -4.4%）
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。
ZipRecruiter, Inc.是一家美国线上招聘平台企业，主打面向求职者与招聘方的求职招聘匹配服务，为双方提供高效对接的人才服务市场，帮助求职者快速找到适配岗位，也助力企业高效完成招聘需求。
MBWM vs ZIP — 直观对比
营收规模更大
ZIP
是对方的1.7倍
$67.6M
净利率更高
MBWM
高出34.3%
-0.7%
两年增速更快
MBWM
近两年复合增速
-4.4%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $67.6M | $111.7M |
| 净利润 | $22.7M | $-835.0K |
| 毛利率 | — | 89.1% |
| 营业利润率 | — | 3.6% |
| 净利率 | 33.6% | -0.7% |
| 营收同比 | — | 0.6% |
| 净利润同比 | 16.1% | 92.3% |
| 每股收益（稀释后） | $1.32 | $-0.03 |
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MBWMZIP
| Q1 26 | $67.6M | — | ||
| Q4 25 | $62.1M | $111.7M | ||
| Q3 25 | $62.4M | $115.0M | ||
| Q2 25 | $60.9M | $112.2M | ||
| Q1 25 | $57.3M | $110.1M | ||
| Q4 24 | $58.5M | $111.0M | ||
| Q3 24 | $58.0M | $117.1M | ||
| Q2 24 | $56.8M | $123.7M |
净利润MBWMZIP
| Q1 26 | $22.7M | — | ||
| Q4 25 | $22.8M | $-835.0K | ||
| Q3 25 | $23.8M | $-9.8M | ||
| Q2 25 | $22.6M | $-9.5M | ||
| Q1 25 | $19.5M | $-12.8M | ||
| Q4 24 | $19.6M | $-10.8M | ||
| Q3 24 | $19.6M | $-2.6M | ||
| Q2 24 | $18.8M | $7.0M |
毛利率MBWMZIP
| Q1 26 | — | — | ||
| Q4 25 | — | 89.1% | ||
| Q3 25 | — | 89.1% | ||
| Q2 25 | — | 89.3% | ||
| Q1 25 | — | 89.4% | ||
| Q4 24 | — | 89.6% | ||
| Q3 24 | — | 89.4% | ||
| Q2 24 | — | 89.5% |
营业利润率MBWMZIP
| Q1 26 | — | — | ||
| Q4 25 | 42.0% | 3.6% | ||
| Q3 25 | 44.0% | -4.4% | ||
| Q2 25 | 42.6% | -5.9% | ||
| Q1 25 | 42.0% | -10.6% | ||
| Q4 24 | 39.7% | -3.6% | ||
| Q3 24 | 42.4% | -2.8% | ||
| Q2 24 | 41.4% | 7.6% |
净利率MBWMZIP
| Q1 26 | 33.6% | — | ||
| Q4 25 | 36.8% | -0.7% | ||
| Q3 25 | 38.1% | -8.5% | ||
| Q2 25 | 37.1% | -8.5% | ||
| Q1 25 | 34.1% | -11.7% | ||
| Q4 24 | 33.5% | -9.7% | ||
| Q3 24 | 33.8% | -2.2% | ||
| Q2 24 | 33.1% | 5.7% |
每股收益（稀释后）MBWMZIP
| Q1 26 | $1.32 | — | ||
| Q4 25 | $1.41 | $-0.03 | ||
| Q3 25 | $1.46 | $-0.11 | ||
| Q2 25 | $1.39 | $-0.10 | ||
| Q1 25 | $1.21 | $-0.13 | ||
| Q4 24 | $1.20 | $-0.10 | ||
| Q3 24 | $1.22 | $-0.03 | ||
| Q2 24 | $1.17 | $0.07 |
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 | — | $188.0M |
| 总债务越低越好 | $1.5M | — |
| 股东权益账面价值 | $736.9M | $-77.2M |
| 总资产 | $6.9B | $569.7M |
| 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MBWMZIP
| Q1 26 | — | — | ||
| Q4 25 | — | $188.0M | ||
| Q3 25 | — | $211.8M | ||
| Q2 25 | — | $203.5M | ||
| Q1 25 | — | $221.1M | ||
| Q4 24 | — | $218.4M | ||
| Q3 24 | — | $225.6M | ||
| Q2 24 | — | $271.7M |
总债务MBWMZIP
| Q1 26 | $1.5M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益MBWMZIP
| Q1 26 | $736.9M | — | ||
| Q4 25 | $724.9M | $-77.2M | ||
| Q3 25 | $657.6M | $-76.1M | ||
| Q2 25 | $631.5M | $-65.9M | ||
| Q1 25 | $608.3M | $-11.3M | ||
| Q4 24 | $584.5M | $13.4M | ||
| Q3 24 | $583.3M | $13.6M | ||
| Q2 24 | $551.2M | $24.4M |
总资产MBWMZIP
| Q1 26 | $6.9B | — | ||
| Q4 25 | $6.8B | $569.7M | ||
| Q3 25 | $6.3B | $573.6M | ||
| Q2 25 | $6.2B | $592.4M | ||
| Q1 25 | $6.1B | $629.4M | ||
| Q4 24 | $6.1B | $664.1M | ||
| Q3 24 | $5.9B | $652.0M | ||
| Q2 24 | $5.6B | $665.3M |
负债/权益比MBWMZIP
| 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 | — | $7.7M |
| 自由现金流经营现金流 - 资本支出 | — | $7.6M |
| 自由现金流率自由现金流/营收 | — | 6.8% |
| 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 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $9.9M |
8季度趋势，按日历期对齐
经营现金流MBWMZIP
| Q1 26 | — | — | ||
| Q4 25 | $18.0M | $7.7M | ||
| Q3 25 | $23.1M | $2.6M | ||
| Q2 25 | $-7.8M | $10.5M | ||
| Q1 25 | $-3.0M | $-9.9M | ||
| Q4 24 | $101.1M | $12.5M | ||
| Q3 24 | $-8.1M | $9.3M | ||
| Q2 24 | $9.1M | $21.9M |
自由现金流MBWMZIP
| Q1 26 | — | — | ||
| Q4 25 | — | $7.6M | ||
| Q3 25 | — | $2.2M | ||
| Q2 25 | — | $10.2M | ||
| Q1 25 | — | $-10.2M | ||
| Q4 24 | — | $12.0M | ||
| Q3 24 | — | $9.2M | ||
| Q2 24 | — | $21.7M |
自由现金流率MBWMZIP
| Q1 26 | — | — | ||
| Q4 25 | — | 6.8% | ||
| Q3 25 | — | 1.9% | ||
| Q2 25 | — | 9.1% | ||
| Q1 25 | — | -9.3% | ||
| Q4 24 | — | 10.8% | ||
| Q3 24 | — | 7.8% | ||
| Q2 24 | — | 17.6% |
资本支出强度MBWMZIP
| Q1 26 | — | — | ||
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.3% | ||
| Q2 25 | — | 0.3% | ||
| Q1 25 | — | 0.3% | ||
| Q4 24 | — | 0.4% | ||
| Q3 24 | — | 0.2% | ||
| Q2 24 | — | 0.1% |
现金转化率MBWMZIP
| 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× | 3.12× |
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% |
ZIP
| License | $84.3M | 75% |
| Services | $27.4M | 25% |
