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MID PENN BANCORP INC（MPB）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MID PENN BANCORP INC的1.3倍（$78.6M vs $62.0M），MID PENN BANCORP INC净利率更高（31.4% vs -178.3%，领先209.6%），MID PENN BANCORP INC同比增速更快（30.8% vs 0.4%），MID PENN BANCORP INC自由现金流更多（$71.8M vs $23.2M），过去两年MID PENN BANCORP INC的营收复合增速更高（21.1% vs -1.3%）
该资料实际介绍的是1973年成立于新泽西州切里希尔的商业银行，该银行在2007年被多伦多道明银行收购，并入其旗下的TD Banknorth，之后TD Banknorth统一更名为TD银行。
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。
MPB vs RPAY — 直观对比
营收规模更大
RPAY
是对方的1.3倍
$62.0M
营收增速更快
MPB
高出30.4%
0.4%
净利率更高
MPB
高出209.6%
-178.3%
自由现金流更多
MPB
多$48.6M
$23.2M
两年增速更快
MPB
近两年复合增速
-1.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $62.0M | $78.6M |
| 净利润 | $19.4M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 43.6% | -182.2% |
| 净利率 | 31.4% | -178.3% |
| 营收同比 | 30.8% | 0.4% |
| 净利润同比 | 47.0% | -3304.1% |
| 每股收益（稀释后） | $0.83 | $-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MPBRPAY
| Q4 25 | $62.0M | $78.6M | ||
| Q3 25 | $61.8M | $77.7M | ||
| Q2 25 | $54.3M | $75.6M | ||
| Q1 25 | $47.7M | $77.3M | ||
| Q4 24 | $47.4M | $78.3M | ||
| Q3 24 | $45.3M | $79.1M | ||
| Q2 24 | $44.1M | $74.9M | ||
| Q1 24 | $42.3M | $80.7M |
净利润MPBRPAY
| Q4 25 | $19.4M | $-140.1M | ||
| Q3 25 | $18.3M | $-6.4M | ||
| Q2 25 | $4.8M | $-102.3M | ||
| Q1 25 | $13.7M | $-7.9M | ||
| Q4 24 | $13.2M | $-4.1M | ||
| Q3 24 | $12.3M | $3.2M | ||
| Q2 24 | $11.8M | $-4.1M | ||
| Q1 24 | $12.1M | $-5.2M |
毛利率MPBRPAY
| 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% |
营业利润率MPBRPAY
| Q4 25 | 43.6% | -182.2% | ||
| Q3 25 | 39.3% | -3.9% | ||
| Q2 25 | 7.9% | -138.7% | ||
| Q1 25 | 35.2% | -4.7% | ||
| Q4 24 | 34.1% | -1.5% | ||
| Q3 24 | 32.8% | -0.9% | ||
| Q2 24 | 32.4% | -4.6% | ||
| Q1 24 | 34.8% | -3.1% |
净利率MPBRPAY
| Q4 25 | 31.4% | -178.3% | ||
| Q3 25 | 29.6% | -8.3% | ||
| Q2 25 | 8.8% | -135.2% | ||
| Q1 25 | 28.8% | -10.3% | ||
| Q4 24 | 27.9% | -5.3% | ||
| Q3 24 | 27.1% | 4.1% | ||
| Q2 24 | 26.7% | -5.4% | ||
| Q1 24 | 28.7% | -6.5% |
每股收益（稀释后）MPBRPAY
| Q4 25 | $0.83 | $-1.68 | ||
| Q3 25 | $0.79 | $-0.08 | ||
| Q2 25 | $0.22 | $-1.15 | ||
| Q1 25 | $0.71 | $-0.09 | ||
| Q4 24 | $0.72 | $-0.04 | ||
| Q3 24 | $0.74 | $0.03 | ||
| Q2 24 | $0.71 | $-0.04 | ||
| Q1 24 | $0.73 | $-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 | — | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $814.1M | $484.4M |
| 总资产 | $6.1B | $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MPBRPAY
| Q4 25 | — | $115.7M | ||
| Q3 25 | — | $95.7M | ||
| Q2 25 | — | $162.6M | ||
| Q1 25 | — | $165.5M | ||
| Q4 24 | — | $189.5M | ||
| Q3 24 | — | $168.7M | ||
| Q2 24 | — | $147.1M | ||
| Q1 24 | — | $128.3M |
总债务MPBRPAY
| 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 |
股东权益MPBRPAY
| Q4 25 | $814.1M | $484.4M | ||
| Q3 25 | $796.3M | $616.9M | ||
| Q2 25 | $775.7M | $633.7M | ||
| Q1 25 | $667.9M | $755.7M | ||
| Q4 24 | $655.0M | $761.3M | ||
| Q3 24 | $573.1M | $754.7M | ||
| Q2 24 | $559.7M | $815.4M | ||
| Q1 24 | $551.0M | $813.8M |
总资产MPBRPAY
| Q4 25 | $6.1B | $1.2B | ||
| Q3 25 | $6.3B | $1.3B | ||
| Q2 25 | $6.4B | $1.4B | ||
| Q1 25 | $5.5B | $1.5B | ||
| Q4 24 | $5.5B | $1.6B | ||
| Q3 24 | $5.5B | $1.6B | ||
| Q2 24 | $5.4B | $1.5B | ||
| Q1 24 | $5.3B | $1.5B |
负债/权益比MPBRPAY
| 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 | $80.0M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $71.8M | $23.2M |
| 自由现金流率自由现金流/营收 | 115.8% | 29.6% |
| 资本支出强度资本支出/营收 | 13.3% | 0.1% |
| 现金转化率经营现金流/净利润 | 4.12× | — |
| 过去12个月自由现金流最近4个季度 | $132.1M | $90.7M |
8季度趋势，按日历期对齐
经营现金流MPBRPAY
| Q4 25 | $80.0M | $23.3M | ||
| Q3 25 | $26.3M | $32.2M | ||
| Q2 25 | $29.0M | $33.1M | ||
| Q1 25 | $11.5M | $2.5M | ||
| Q4 24 | $51.4M | $34.3M | ||
| Q3 24 | $16.9M | $60.1M | ||
| Q2 24 | $18.0M | $31.0M | ||
| Q1 24 | $12.4M | $24.8M |
自由现金流MPBRPAY
| Q4 25 | $71.8M | $23.2M | ||
| Q3 25 | $24.3M | $32.1M | ||
| Q2 25 | $27.2M | $33.0M | ||
| Q1 25 | $8.8M | $2.4M | ||
| Q4 24 | $44.5M | $34.0M | ||
| Q3 24 | $16.8M | $59.8M | ||
| Q2 24 | $17.7M | $30.5M | ||
| Q1 24 | $12.1M | $24.7M |
自由现金流率MPBRPAY
| Q4 25 | 115.8% | 29.6% | ||
| Q3 25 | 39.4% | 41.3% | ||
| Q2 25 | 50.1% | 43.6% | ||
| Q1 25 | 18.4% | 3.0% | ||
| Q4 24 | 93.8% | 43.5% | ||
| Q3 24 | 37.1% | 75.6% | ||
| Q2 24 | 40.2% | 40.7% | ||
| Q1 24 | 28.5% | 30.6% |
资本支出强度MPBRPAY
| Q4 25 | 13.3% | 0.1% | ||
| Q3 25 | 3.1% | 0.2% | ||
| Q2 25 | 3.2% | 0.1% | ||
| Q1 25 | 5.7% | 0.2% | ||
| Q4 24 | 14.6% | 0.3% | ||
| Q3 24 | 0.0% | 0.3% | ||
| Q2 24 | 0.7% | 0.6% | ||
| Q1 24 | 0.8% | 0.1% |
现金转化率MPBRPAY
| Q4 25 | 4.12× | — | ||
| Q3 25 | 1.44× | — | ||
| Q2 25 | 6.08× | — | ||
| Q1 25 | 0.84× | — | ||
| Q4 24 | 3.88× | — | ||
| Q3 24 | 1.37× | 18.52× | ||
| Q2 24 | 1.53× | — | ||
| Q1 24 | 1.02× | — |
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
MPB
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% |
