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Metropolitan Bank Holding Corp.（MCB）与Repay Holdings Corp（RPAY）财务数据对比。点击上方公司名可切换其他公司
Metropolitan Bank Holding Corp.的季度营收约是Repay Holdings Corp的1.1倍（$88.5M vs $78.6M），Metropolitan Bank Holding Corp.净利率更高（35.5% vs -178.3%，领先213.8%），Metropolitan Bank Holding Corp.同比增速更快（25.4% vs 0.4%），过去两年Metropolitan Bank Holding Corp.的营收复合增速更高（14.3% vs -1.3%）
该企业是一家银行控股公司，总部位于马里兰州奥尔尼，业务覆盖华盛顿大都会区。除核心银行业务外，公司还提供商保个人险、保证担保、工伤保险、职业责任险等多种保险产品，同时为高净值个人、企业及机构提供理财规划、财富管理与资产管理服务，2025年4月该公司被收购。
Repay Holdings Corp是一家聚焦北美市场的支付技术服务商，为零售、医疗、汽车服务、电商等领域的企业提供整合支付处理方案，涵盖银行卡收单、ACH转账、POS系统集成等数字化支付工具，助力客户简化交易流程、提升运营效率。
MCB vs RPAY — 直观对比
营收规模更大
MCB
是对方的1.1倍
$78.6M
营收增速更快
MCB
高出25.0%
0.4%
净利率更高
MCB
高出213.8%
-178.3%
两年增速更快
MCB
近两年复合增速
-1.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $88.5M | $78.6M |
| 净利润 | $31.4M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | — | -182.2% |
| 净利率 | 35.5% | -178.3% |
| 营收同比 | 25.4% | 0.4% |
| 净利润同比 | 92.2% | -3304.1% |
| 每股收益（稀释后） | $2.92 | $-1.68 |
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MCBRPAY
| Q1 26 | $88.5M | — | ||
| Q4 25 | $88.4M | $78.6M | ||
| Q3 25 | $79.8M | $77.7M | ||
| Q2 25 | $76.3M | $75.6M | ||
| Q1 25 | $70.6M | $77.3M | ||
| Q4 24 | $71.0M | $78.3M | ||
| Q3 24 | $71.5M | $79.1M | ||
| Q2 24 | $67.7M | $74.9M |
净利润MCBRPAY
| Q1 26 | $31.4M | — | ||
| Q4 25 | $28.9M | $-140.1M | ||
| Q3 25 | $7.1M | $-6.4M | ||
| Q2 25 | $18.8M | $-102.3M | ||
| Q1 25 | $16.4M | $-7.9M | ||
| Q4 24 | $21.4M | $-4.1M | ||
| Q3 24 | $12.3M | $3.2M | ||
| Q2 24 | $16.8M | $-4.1M |
毛利率MCBRPAY
| Q1 26 | — | — | ||
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% |
营业利润率MCBRPAY
| Q1 26 | — | — | ||
| Q4 25 | 46.6% | -182.2% | ||
| Q3 25 | 12.8% | -3.9% | ||
| Q2 25 | 35.1% | -138.7% | ||
| Q1 25 | 33.1% | -4.7% | ||
| Q4 24 | 44.1% | -1.5% | ||
| Q3 24 | 24.6% | -0.9% | ||
| Q2 24 | 35.3% | -4.6% |
净利率MCBRPAY
| Q1 26 | 35.5% | — | ||
| Q4 25 | 32.6% | -178.3% | ||
| Q3 25 | 8.9% | -8.3% | ||
| Q2 25 | 24.6% | -135.2% | ||
| Q1 25 | 23.2% | -10.3% | ||
| Q4 24 | 30.2% | -5.3% | ||
| Q3 24 | 17.2% | 4.1% | ||
| Q2 24 | 24.8% | -5.4% |
每股收益（稀释后）MCBRPAY
| Q1 26 | $2.92 | — | ||
| Q4 25 | $2.74 | $-1.68 | ||
| Q3 25 | $0.67 | $-0.08 | ||
| Q2 25 | $1.76 | $-1.15 | ||
| Q1 25 | $1.45 | $-0.09 | ||
| Q4 24 | $1.89 | $-0.04 | ||
| Q3 24 | $1.08 | $0.03 | ||
| Q2 24 | $1.50 | $-0.04 |
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 | — | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $948.3M | $484.4M |
| 总资产 | $8.8B | $1.2B |
| 负债/权益比越低杠杆越低 | — | 0.58× |
8季度趋势，按日历期对齐
现金及短期投资MCBRPAY
| Q1 26 | — | — | ||
| Q4 25 | $393.6M | $115.7M | ||
| Q3 25 | $385.9M | $95.7M | ||
| Q2 25 | $152.5M | $162.6M | ||
| Q1 25 | $196.5M | $165.5M | ||
| Q4 24 | $200.3M | $189.5M | ||
| Q3 24 | $318.5M | $168.7M | ||
| Q2 24 | $244.7M | $147.1M |
总债务MCBRPAY
| Q1 26 | — | — | ||
| Q4 25 | — | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | — | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M |
股东权益MCBRPAY
| Q1 26 | $948.3M | — | ||
| Q4 25 | $743.1M | $484.4M | ||
| Q3 25 | $732.0M | $616.9M | ||
| Q2 25 | $723.0M | $633.7M | ||
| Q1 25 | $737.8M | $755.7M | ||
| Q4 24 | $729.8M | $761.3M | ||
| Q3 24 | $715.2M | $754.7M | ||
| Q2 24 | $692.4M | $815.4M |
总资产MCBRPAY
| Q1 26 | $8.8B | — | ||
| Q4 25 | $8.3B | $1.2B | ||
| Q3 25 | $8.2B | $1.3B | ||
| Q2 25 | $7.9B | $1.4B | ||
| Q1 25 | $7.6B | $1.5B | ||
| Q4 24 | $7.3B | $1.6B | ||
| Q3 24 | $7.4B | $1.6B | ||
| Q2 24 | $7.3B | $1.5B |
负债/权益比MCBRPAY
| Q1 26 | — | — | ||
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× |
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 | — | $23.3M |
| 自由现金流经营现金流 - 资本支出 | — | $23.2M |
| 自由现金流率自由现金流/营收 | — | 29.6% |
| 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 | — | $90.7M |
8季度趋势，按日历期对齐
经营现金流MCBRPAY
| Q1 26 | — | — | ||
| Q4 25 | $88.7M | $23.3M | ||
| Q3 25 | $31.8M | $32.2M | ||
| Q2 25 | $18.4M | $33.1M | ||
| Q1 25 | $7.8M | $2.5M | ||
| Q4 24 | $148.5M | $34.3M | ||
| Q3 24 | $4.8M | $60.1M | ||
| Q2 24 | $35.3M | $31.0M |
自由现金流MCBRPAY
| Q1 26 | — | — | ||
| Q4 25 | — | $23.2M | ||
| Q3 25 | — | $32.1M | ||
| Q2 25 | — | $33.0M | ||
| Q1 25 | — | $2.4M | ||
| Q4 24 | — | $34.0M | ||
| Q3 24 | — | $59.8M | ||
| Q2 24 | — | $30.5M |
自由现金流率MCBRPAY
| Q1 26 | — | — | ||
| Q4 25 | — | 29.6% | ||
| Q3 25 | — | 41.3% | ||
| Q2 25 | — | 43.6% | ||
| Q1 25 | — | 3.0% | ||
| Q4 24 | — | 43.5% | ||
| Q3 24 | — | 75.6% | ||
| Q2 24 | — | 40.7% |
资本支出强度MCBRPAY
| Q1 26 | — | — | ||
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.2% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 0.3% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | — | 0.6% |
现金转化率MCBRPAY
| Q1 26 | — | — | ||
| Q4 25 | 3.07× | — | ||
| Q3 25 | 4.47× | — | ||
| Q2 25 | 0.98× | — | ||
| Q1 25 | 0.47× | — | ||
| Q4 24 | 6.93× | — | ||
| Q3 24 | 0.39× | 18.52× | ||
| Q2 24 | 2.10× | — |
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
MCB
暂无分部数据
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
