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MetroCity Bankshares, Inc.（MCBS）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
Repay Holdings Corp的季度营收约是MetroCity Bankshares, Inc.的1.8倍（$78.6M vs $43.7M），MetroCity Bankshares, Inc.净利率更高（50.5% vs -178.3%，领先228.8%），MetroCity Bankshares, Inc.同比增速更快（23.6% vs 0.4%），MetroCity Bankshares, Inc.自由现金流更多（$37.0M vs $23.2M），过去两年MetroCity Bankshares, Inc.的营收复合增速更高（15.7% vs -1.3%）
MetroCity Bankshares, Inc.旗下的大都会城市银行是一家韩裔美国人创办的银行，总部位于佐治亚州多拉维尔，提供个人及商业银行服务。它是总部不在加利福尼亚州洛杉矶的最大韩美系银行，目前在德克萨斯、纽约、新泽西、弗吉尼亚、佐治亚、阿拉巴马和佛罗里达共设有19家分行。
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。
MCBS vs RPAY — 直观对比
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $43.7M | $78.6M |
| 净利润 | $18.1M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 52.8% | -182.2% |
| 净利率 | 50.5% | -178.3% |
| 营收同比 | 23.6% | 0.4% |
| 净利润同比 | 11.7% | -3304.1% |
| 每股收益（稀释后） | $0.69 | $-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
| Q4 25 | $43.7M | $78.6M | ||
| Q3 25 | $38.0M | $77.7M | ||
| Q2 25 | $37.9M | $75.6M | ||
| Q1 25 | $36.0M | $77.3M | ||
| Q4 24 | $35.4M | $78.3M | ||
| Q3 24 | $36.9M | $79.1M | ||
| Q2 24 | $36.3M | $74.9M | ||
| Q1 24 | $32.7M | $80.7M |
| Q4 25 | $18.1M | $-140.1M | ||
| Q3 25 | $17.3M | $-6.4M | ||
| Q2 25 | $16.8M | $-102.3M | ||
| Q1 25 | $16.3M | $-7.9M | ||
| Q4 24 | $16.2M | $-4.1M | ||
| Q3 24 | $16.7M | $3.2M | ||
| Q2 24 | $16.9M | $-4.1M | ||
| Q1 24 | $14.6M | $-5.2M |
| 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% | ||
| Q1 24 | — | 76.2% |
| Q4 25 | 52.8% | -182.2% | ||
| Q3 25 | 62.8% | -3.9% | ||
| Q2 25 | 62.4% | -138.7% | ||
| Q1 25 | 61.3% | -4.7% | ||
| Q4 24 | 58.9% | -1.5% | ||
| Q3 24 | 61.4% | -0.9% | ||
| Q2 24 | 64.4% | -4.6% | ||
| Q1 24 | 62.6% | -3.1% |
| Q4 25 | 50.5% | -178.3% | ||
| Q3 25 | 45.5% | -8.3% | ||
| Q2 25 | 44.4% | -135.2% | ||
| Q1 25 | 45.3% | -10.3% | ||
| Q4 24 | 54.0% | -5.3% | ||
| Q3 24 | 45.3% | 4.1% | ||
| Q2 24 | 46.7% | -5.4% | ||
| Q1 24 | 44.8% | -6.5% |
| Q4 25 | $0.69 | $-1.68 | ||
| Q3 25 | $0.67 | $-0.08 | ||
| Q2 25 | $0.65 | $-1.15 | ||
| Q1 25 | $0.63 | $-0.09 | ||
| Q4 24 | $0.64 | $-0.04 | ||
| Q3 24 | $0.65 | $0.03 | ||
| Q2 24 | $0.66 | $-0.04 | ||
| Q1 24 | $0.57 | $-0.06 |
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 | $383.7M | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $544.2M | $484.4M |
| 总资产 | $4.8B | $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
| Q4 25 | $383.7M | $115.7M | ||
| Q3 25 | $227.2M | $95.7M | ||
| Q2 25 | $286.0M | $162.6M | ||
| Q1 25 | $285.1M | $165.5M | ||
| Q4 24 | $249.9M | $189.5M | ||
| Q3 24 | $291.2M | $168.7M | ||
| Q2 24 | $327.9M | $147.1M | ||
| Q1 24 | $258.8M | $128.3M |
| 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 | ||
| Q1 24 | — | $434.9M |
| Q4 25 | $544.2M | $484.4M | ||
| Q3 25 | $445.9M | $616.9M | ||
| Q2 25 | $436.1M | $633.7M | ||
| Q1 25 | $428.0M | $755.7M | ||
| Q4 24 | $421.4M | $761.3M | ||
| Q3 24 | $407.2M | $754.7M | ||
| Q2 24 | $407.2M | $815.4M | ||
| Q1 24 | $396.6M | $813.8M |
| Q4 25 | $4.8B | $1.2B | ||
| Q3 25 | $3.6B | $1.3B | ||
| Q2 25 | $3.6B | $1.4B | ||
| Q1 25 | $3.7B | $1.5B | ||
| Q4 24 | $3.6B | $1.6B | ||
| Q3 24 | $3.6B | $1.6B | ||
| Q2 24 | $3.6B | $1.5B | ||
| Q1 24 | $3.6B | $1.5B |
| 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× | ||
| Q1 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 | $37.7M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $37.0M | $23.2M |
| 自由现金流率自由现金流/营收 | 84.7% | 29.6% |
| 资本支出强度资本支出/营收 | 1.5% | 0.1% |
| 现金转化率经营现金流/净利润 | 2.08× | — |
| 过去12个月自由现金流最近4个季度 | $79.4M | $90.7M |
8季度趋势，按日历期对齐
| Q4 25 | $37.7M | $23.3M | ||
| Q3 25 | $16.5M | $32.2M | ||
| Q2 25 | $14.5M | $33.1M | ||
| Q1 25 | $11.9M | $2.5M | ||
| Q4 24 | $63.5M | $34.3M | ||
| Q3 24 | $-11.5M | $60.1M | ||
| Q2 24 | $19.4M | $31.0M | ||
| Q1 24 | $36.4M | $24.8M |
| Q4 25 | $37.0M | $23.2M | ||
| Q3 25 | $16.2M | $32.1M | ||
| Q2 25 | $14.3M | $33.0M | ||
| Q1 25 | $11.8M | $2.4M | ||
| Q4 24 | $62.2M | $34.0M | ||
| Q3 24 | $-11.8M | $59.8M | ||
| Q2 24 | $19.0M | $30.5M | ||
| Q1 24 | $36.1M | $24.7M |
| Q4 25 | 84.7% | 29.6% | ||
| Q3 25 | 42.7% | 41.3% | ||
| Q2 25 | 37.8% | 43.6% | ||
| Q1 25 | 32.9% | 3.0% | ||
| Q4 24 | 175.8% | 43.5% | ||
| Q3 24 | -31.9% | 75.6% | ||
| Q2 24 | 52.4% | 40.7% | ||
| Q1 24 | 110.6% | 30.6% |
| Q4 25 | 1.5% | 0.1% | ||
| Q3 25 | 0.7% | 0.2% | ||
| Q2 25 | 0.3% | 0.1% | ||
| Q1 25 | 0.2% | 0.2% | ||
| Q4 24 | 3.6% | 0.3% | ||
| Q3 24 | 0.8% | 0.3% | ||
| Q2 24 | 1.0% | 0.6% | ||
| Q1 24 | 0.7% | 0.1% |
| Q4 25 | 2.08× | — | ||
| Q3 25 | 0.95× | — | ||
| Q2 25 | 0.86× | — | ||
| Q1 25 | 0.73× | — | ||
| Q4 24 | 3.91× | — | ||
| Q3 24 | -0.69× | 18.52× | ||
| Q2 24 | 1.14× | — | ||
| Q1 24 | 2.49× | — |
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
MCBS
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% |
