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MainStreet Bancshares, Inc.（MNSB）与RBB Bancorp（RBB）财务数据对比。点击上方公司名可切换其他公司
MainStreet Bancshares, Inc.的季度营收约是RBB Bancorp的1.0倍（$32.8M vs $32.3M），RBB Bancorp同比增速更快（12.6% vs -8.8%），RBB Bancorp自由现金流更多（$42.6M vs $10.6M），过去两年RBB Bancorp的营收复合增速更高（7.0% vs -0.7%）
MainStreet Bancshares, Inc.是一家总部位于美国的银行控股公司，提供全面的零售及商业银行服务，涵盖存款产品、个人及商业贷款、房屋抵押贷款、财富管理方案，主要服务个人消费者、中小型企业及区域社区客户。
RBB银行控股公司是总部位于美国的金融控股集团，旗下核心主体为皇家商业银行，主要服务亚裔社群、中小微企业、不动产投资者及零售客户，提供商业信贷、储蓄存款、财富管理等多元金融服务，业务覆盖美国沿海核心都会区。
MNSB vs RBB — 直观对比
营收规模更大
MNSB
是对方的1.0倍
$32.3M
营收增速更快
RBB
高出21.3%
-8.8%
自由现金流更多
RBB
多$32.0M
$10.6M
两年增速更快
RBB
近两年复合增速
-0.7%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $32.8M | $32.3M |
| 净利润 | — | $10.2M |
| 毛利率 | 55.1% | — |
| 营业利润率 | 14.9% | 39.5% |
| 净利率 | — | 31.5% |
| 营收同比 | -8.8% | 12.6% |
| 净利润同比 | — | 132.1% |
| 每股收益（稀释后） | $0.46 | $0.59 |
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MNSBRBB
| Q4 25 | $32.8M | $32.3M | ||
| Q3 25 | $33.6M | $32.6M | ||
| Q2 25 | $35.4M | $35.8M | ||
| Q1 25 | $33.9M | $28.5M | ||
| Q4 24 | $35.9M | $28.7M | ||
| Q3 24 | $34.5M | $30.3M | ||
| Q2 24 | $34.2M | $27.5M | ||
| Q1 24 | $33.3M | $28.2M |
净利润MNSBRBB
| Q4 25 | — | $10.2M | ||
| Q3 25 | $4.5M | $10.1M | ||
| Q2 25 | $4.6M | $9.3M | ||
| Q1 25 | $2.5M | $2.3M | ||
| Q4 24 | — | $4.4M | ||
| Q3 24 | $265.0K | $7.0M | ||
| Q2 24 | $2.6M | $7.2M | ||
| Q1 24 | $3.3M | $8.0M |
毛利率MNSBRBB
| Q4 25 | 55.1% | — | ||
| Q3 25 | 54.3% | — | ||
| Q2 25 | 56.2% | — | ||
| Q1 25 | 51.5% | — | ||
| Q4 24 | 46.9% | — | ||
| Q3 24 | 47.1% | — | ||
| Q2 24 | 47.7% | — | ||
| Q1 24 | 49.4% | — |
营业利润率MNSBRBB
| Q4 25 | 14.9% | 39.5% | ||
| Q3 25 | 16.1% | 40.7% | ||
| Q2 25 | 16.0% | 36.1% | ||
| Q1 25 | 9.2% | 11.2% | ||
| Q4 24 | -4373.3% | 17.6% | ||
| Q3 24 | 0.3% | 31.6% | ||
| Q2 24 | 8.4% | 35.6% | ||
| Q1 24 | 12.4% | 39.9% |
净利率MNSBRBB
| Q4 25 | — | 31.5% | ||
| Q3 25 | 13.4% | 31.2% | ||
| Q2 25 | 13.0% | 26.1% | ||
| Q1 25 | 7.2% | 8.0% | ||
| Q4 24 | — | 15.3% | ||
| Q3 24 | 0.8% | 23.1% | ||
| Q2 24 | 7.7% | 26.4% | ||
| Q1 24 | 9.9% | 28.4% |
每股收益（稀释后）MNSBRBB
| Q4 25 | $0.46 | $0.59 | ||
| Q3 25 | $0.52 | $0.59 | ||
| Q2 25 | $0.53 | $0.52 | ||
| Q1 25 | $0.25 | $0.13 | ||
| Q4 24 | $-2.19 | $0.26 | ||
| Q3 24 | $-0.04 | $0.39 | ||
| Q2 24 | $0.27 | $0.39 | ||
| Q1 24 | $0.36 | $0.43 |
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 | — | $212.3M |
| 总债务越低越好 | — | $119.9M |
| 股东权益账面价值 | $218.6M | $523.4M |
| 总资产 | $2.2B | $4.2B |
| 负债/权益比越低杠杆越低 | — | 0.23× |
8季度趋势，按日历期对齐
现金及短期投资MNSBRBB
| Q4 25 | — | $212.3M | ||
| Q3 25 | — | $234.9M | ||
| Q2 25 | — | $191.9M | ||
| Q1 25 | — | $238.8M | ||
| Q4 24 | — | $257.7M | ||
| Q3 24 | — | $349.4M | ||
| Q2 24 | — | $252.8M | ||
| Q1 24 | — | — |
总债务MNSBRBB
| Q4 25 | — | $119.9M | ||
| Q3 25 | — | $119.8M | ||
| Q2 25 | — | $119.7M | ||
| Q1 25 | — | $119.6M | ||
| Q4 24 | — | $119.5M | ||
| Q3 24 | — | $119.4M | ||
| Q2 24 | — | $119.3M | ||
| Q1 24 | — | $119.2M |
股东权益MNSBRBB
| Q4 25 | $218.6M | $523.4M | ||
| Q3 25 | $218.4M | $514.3M | ||
| Q2 25 | $213.5M | $517.7M | ||
| Q1 25 | $209.6M | $510.3M | ||
| Q4 24 | $208.0M | $507.9M | ||
| Q3 24 | $226.1M | $509.7M | ||
| Q2 24 | $224.7M | $511.3M | ||
| Q1 24 | $223.1M | $514.0M |
总资产MNSBRBB
| Q4 25 | $2.2B | $4.2B | ||
| Q3 25 | $2.1B | $4.2B | ||
| Q2 25 | $2.1B | $4.1B | ||
| Q1 25 | $2.2B | $4.0B | ||
| Q4 24 | $2.2B | $4.0B | ||
| Q3 24 | $2.2B | $4.0B | ||
| Q2 24 | $2.1B | $3.9B | ||
| Q1 24 | $2.1B | $3.9B |
负债/权益比MNSBRBB
| Q4 25 | — | 0.23× | ||
| Q3 25 | — | 0.23× | ||
| Q2 25 | — | 0.23× | ||
| Q1 25 | — | 0.23× | ||
| Q4 24 | — | 0.24× | ||
| Q3 24 | — | 0.23× | ||
| Q2 24 | — | 0.23× | ||
| Q1 24 | — | 0.23× |
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 | $14.8M | $43.4M |
| 自由现金流经营现金流 - 资本支出 | $10.6M | $42.6M |
| 自由现金流率自由现金流/营收 | 32.5% | 131.8% |
| 资本支出强度资本支出/营收 | 12.7% | 2.5% |
| 现金转化率经营现金流/净利润 | — | 4.26× |
| 过去12个月自由现金流最近4个季度 | $14.9M | $73.5M |
8季度趋势，按日历期对齐
经营现金流MNSBRBB
| Q4 25 | $14.8M | $43.4M | ||
| Q3 25 | $5.6M | $2.1M | ||
| Q2 25 | $1.2M | $21.7M | ||
| Q1 25 | $1.5M | $7.8M | ||
| Q4 24 | $14.7M | $58.5M | ||
| Q3 24 | $4.5M | $24.5M | ||
| Q2 24 | $1.2M | $11.7M | ||
| Q1 24 | $3.6M | $4.8M |
自由现金流MNSBRBB
| Q4 25 | $10.6M | $42.6M | ||
| Q3 25 | $5.5M | $1.8M | ||
| Q2 25 | $-2.6M | $21.6M | ||
| Q1 25 | $1.4M | $7.6M | ||
| Q4 24 | $13.8M | $57.7M | ||
| Q3 24 | $4.3M | $24.2M | ||
| Q2 24 | $1.1M | $11.5M | ||
| Q1 24 | $3.0M | $4.7M |
自由现金流率MNSBRBB
| Q4 25 | 32.5% | 131.8% | ||
| Q3 25 | 16.2% | 5.4% | ||
| Q2 25 | -7.4% | 60.2% | ||
| Q1 25 | 4.1% | 26.7% | ||
| Q4 24 | 38.5% | 201.0% | ||
| Q3 24 | 12.5% | 80.0% | ||
| Q2 24 | 3.1% | 42.0% | ||
| Q1 24 | 9.1% | 16.6% |
资本支出强度MNSBRBB
| Q4 25 | 12.7% | 2.5% | ||
| Q3 25 | 0.4% | 1.1% | ||
| Q2 25 | 10.8% | 0.3% | ||
| Q1 25 | 0.2% | 0.6% | ||
| Q4 24 | 2.5% | 2.7% | ||
| Q3 24 | 0.5% | 0.8% | ||
| Q2 24 | 0.3% | 0.5% | ||
| Q1 24 | 1.8% | 0.5% |
现金转化率MNSBRBB
| Q4 25 | — | 4.26× | ||
| Q3 25 | 1.24× | 0.21× | ||
| Q2 25 | 0.26× | 2.32× | ||
| Q1 25 | 0.59× | 3.39× | ||
| Q4 24 | — | 13.34× | ||
| Q3 24 | 16.87× | 3.50× | ||
| Q2 24 | 0.45× | 1.61× | ||
| Q1 24 | 1.10× | 0.60× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
