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Mechanics Bancorp（MCHB）与Reddit, Inc.（RDDT）财务数据对比。点击上方公司名可切换其他公司
Reddit, Inc.的季度营收约是Mechanics Bancorp的1.4倍（$663.0M vs $458.8M），Reddit, Inc.自由现金流更多（$311.0M vs $187.1M），过去两年Mechanics Bancorp的营收复合增速更高（232.1% vs 53.6%）
Mechanics Bancorp是总部位于美国的银行控股公司，核心子公司为Mechanics Bank，提供零售银行、商业银行及财富管理类服务，覆盖储蓄账户、各类贷款、投资咨询等业务，主要服务加利福尼亚州的个人消费者及中小型企业客户。
Reddit是美国知名的社交新闻聚合与论坛类社交媒体平台，注册用户可发布链接、文字帖、图片、视频等各类内容，其他用户可对内容进行点赞或点踩，内容按主题归类到用户创建的子板块中，获赞更高的内容会排在板块前列，热度足够的内容还将展示在全站首页。
MCHB vs RDDT — 直观对比
营收规模更大
RDDT
是对方的1.4倍
$458.8M
自由现金流更多
RDDT
多$123.9M
$187.1M
两年增速更快
MCHB
近两年复合增速
53.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $458.8M | $663.0M |
| 净利润 | — | $204.0M |
| 毛利率 | — | 100.0% |
| 营业利润率 | — | 0.0% |
| 净利率 | — | 30.8% |
| 营收同比 | — | 69.0% |
| 净利润同比 | — | 680.0% |
| 每股收益（稀释后） | — | $1.01 |
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MCHBRDDT
| Q1 26 | — | $663.0M | ||
| Q4 25 | $458.8M | $725.6M | ||
| Q3 25 | $255.4M | $584.9M | ||
| Q2 25 | $49.0M | $499.6M | ||
| Q1 25 | $45.4M | $392.4M | ||
| Q4 24 | $29.6M | $427.7M | ||
| Q3 24 | $147.9M | $348.4M | ||
| Q2 24 | $42.9M | $281.2M |
净利润MCHBRDDT
| Q1 26 | — | $204.0M | ||
| Q4 25 | — | $251.6M | ||
| Q3 25 | $55.2M | $162.7M | ||
| Q2 25 | $-4.4M | $89.3M | ||
| Q1 25 | $-4.5M | $26.2M | ||
| Q4 24 | $-123.3M | $71.0M | ||
| Q3 24 | $39.9M | $29.9M | ||
| Q2 24 | $-6.2M | $-10.1M |
毛利率MCHBRDDT
| Q1 26 | — | 100.0% | ||
| Q4 25 | — | 91.9% | ||
| Q3 25 | — | 91.0% | ||
| Q2 25 | — | 90.8% | ||
| Q1 25 | — | 90.5% | ||
| Q4 24 | — | 92.6% | ||
| Q3 24 | — | 90.1% | ||
| Q2 24 | — | 89.5% |
营业利润率MCHBRDDT
| Q1 26 | — | 0.0% | ||
| Q4 25 | — | 31.9% | ||
| Q3 25 | 17.7% | 23.7% | ||
| Q2 25 | -9.8% | 13.6% | ||
| Q1 25 | -10.5% | 1.0% | ||
| Q4 24 | -312.2% | 12.4% | ||
| Q3 24 | 37.5% | 2.0% | ||
| Q2 24 | -18.6% | -11.0% |
净利率MCHBRDDT
| Q1 26 | — | 30.8% | ||
| Q4 25 | — | 34.7% | ||
| Q3 25 | 21.6% | 27.8% | ||
| Q2 25 | -9.0% | 17.9% | ||
| Q1 25 | -9.8% | 6.7% | ||
| Q4 24 | -416.4% | 16.6% | ||
| Q3 24 | 27.0% | 8.6% | ||
| Q2 24 | -14.5% | -3.6% |
每股收益（稀释后）MCHBRDDT
| Q1 26 | — | $1.01 | ||
| Q4 25 | — | $1.24 | ||
| Q3 25 | $0.26 | $0.80 | ||
| Q2 25 | $-0.23 | $0.45 | ||
| Q1 25 | $-0.24 | $0.13 | ||
| Q4 24 | $-6.53 | $4.76 | ||
| Q3 24 | $0.20 | $0.16 | ||
| Q2 24 | $-0.33 | $-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 | $1.0B | $1.4B |
| 总债务越低越好 | $192.0M | — |
| 股东权益账面价值 | $2.9B | $3.2B |
| 总资产 | $22.4B | $3.5B |
| 负债/权益比越低杠杆越低 | 0.07× | — |
8季度趋势，按日历期对齐
现金及短期投资MCHBRDDT
| Q1 26 | — | $1.4B | ||
| Q4 25 | $1.0B | $953.6M | ||
| Q3 25 | $1.4B | $911.7M | ||
| Q2 25 | $201.1M | $734.1M | ||
| Q1 25 | $252.2M | $635.7M | ||
| Q4 24 | $999.7M | $562.1M | ||
| Q3 24 | $205.9M | $515.9M | ||
| Q2 24 | $218.7M | $468.0M |
总债务MCHBRDDT
| Q1 26 | — | — | ||
| Q4 25 | $192.0M | — | ||
| Q3 25 | $190.1M | — | ||
| Q2 25 | $225.3M | — | ||
| Q1 25 | $225.2M | — | ||
| Q4 24 | $0 | — | ||
| Q3 24 | $0 | — | ||
| Q2 24 | $224.9M | — |
股东权益MCHBRDDT
| Q1 26 | — | $3.2B | ||
| Q4 25 | $2.9B | $2.9B | ||
| Q3 25 | $2.8B | $2.6B | ||
| Q2 25 | $2.4B | $2.4B | ||
| Q1 25 | $400.8M | $2.2B | ||
| Q4 24 | $2.3B | $2.1B | ||
| Q3 24 | $2.3B | $2.0B | ||
| Q2 24 | $2.2B | $1.9B |
总资产MCHBRDDT
| Q1 26 | — | $3.5B | ||
| Q4 25 | $22.4B | $3.2B | ||
| Q3 25 | $22.7B | $2.9B | ||
| Q2 25 | $7.6B | $2.6B | ||
| Q1 25 | $7.8B | $2.4B | ||
| Q4 24 | $16.5B | $2.3B | ||
| Q3 24 | $9.2B | $2.2B | ||
| Q2 24 | $9.3B | $2.1B |
负债/权益比MCHBRDDT
| Q1 26 | — | — | ||
| Q4 25 | 0.07× | — | ||
| Q3 25 | 0.07× | — | ||
| Q2 25 | 0.09× | — | ||
| Q1 25 | 0.56× | — | ||
| Q4 24 | 0.00× | — | ||
| Q3 24 | 0.00× | — | ||
| Q2 24 | 0.10× | — |
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 | $193.6M | — |
| 自由现金流经营现金流 - 资本支出 | $187.1M | $311.0M |
| 自由现金流率自由现金流/营收 | 40.8% | 46.9% |
| 资本支出强度资本支出/营收 | 1.4% | — |
| 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 | $263.7M | $868.6M |
8季度趋势，按日历期对齐
经营现金流MCHBRDDT
| Q1 26 | — | — | ||
| Q4 25 | $193.6M | $266.8M | ||
| Q3 25 | $112.0M | $185.2M | ||
| Q2 25 | $-9.8M | $111.3M | ||
| Q1 25 | $-22.5M | $127.6M | ||
| Q4 24 | $292.3M | $90.0M | ||
| Q3 24 | $247.0M | $71.6M | ||
| Q2 24 | $-21.8M | $28.4M |
自由现金流MCHBRDDT
| Q1 26 | — | $311.0M | ||
| Q4 25 | $187.1M | $263.6M | ||
| Q3 25 | $109.1M | $183.1M | ||
| Q2 25 | $-9.9M | $110.8M | ||
| Q1 25 | $-22.6M | $126.6M | ||
| Q4 24 | $285.9M | $89.2M | ||
| Q3 24 | $244.5M | $70.3M | ||
| Q2 24 | $-22.0M | $27.2M |
自由现金流率MCHBRDDT
| Q1 26 | — | 46.9% | ||
| Q4 25 | 40.8% | 36.3% | ||
| Q3 25 | 42.7% | 31.3% | ||
| Q2 25 | -20.2% | 22.2% | ||
| Q1 25 | -49.7% | 32.3% | ||
| Q4 24 | 965.3% | 20.8% | ||
| Q3 24 | 165.4% | 20.2% | ||
| Q2 24 | -51.3% | 9.7% |
资本支出强度MCHBRDDT
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | 0.4% | ||
| Q3 25 | 1.1% | 0.4% | ||
| Q2 25 | 0.2% | 0.1% | ||
| Q1 25 | 0.1% | 0.2% | ||
| Q4 24 | 21.5% | 0.2% | ||
| Q3 24 | 1.7% | 0.4% | ||
| Q2 24 | 0.7% | 0.4% |
现金转化率MCHBRDDT
| Q1 26 | — | — | ||
| Q4 25 | — | 1.06× | ||
| Q3 25 | 2.03× | 1.14× | ||
| Q2 25 | — | 1.25× | ||
| Q1 25 | — | 4.88× | ||
| Q4 24 | — | 1.27× | ||
| Q3 24 | 6.18× | 2.40× | ||
| Q2 24 | — | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
