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Midland States Bancorp, Inc.（MSBI）与READING INTERNATIONAL INC（RDI）财务数据对比。点击上方公司名可切换其他公司
Midland States Bancorp, Inc.的季度营收约是READING INTERNATIONAL INC的1.6倍（$79.5M vs $50.3M），Midland States Bancorp, Inc.净利率更高（23.2% vs -5.1%，领先28.3%），过去两年READING INTERNATIONAL INC的营收复合增速更高（5.6% vs -6.4%）
雷德尼爾銀行公司是總部位於西雅圖的雷德尼爾國家銀行的母公司，該銀行是華盛頓州的本土銀行，在全州設有多家網點。其發展歷史可追溯至1889年理查德·霍利約克創辦的通商國家銀行，1974年正式更名為雷德尼爾國家銀行，此後陸續收購機構，將業務拓展至阿拉斯加與俄勒岡地區。
雷丁公司是总部位于美国费城的铁路企业，1924年起在宾夕法尼亚州东部及周边各州提供客运与货运运输服务，直至1976年被联合铁路公司收购。
MSBI vs RDI — 直观对比
营收规模更大
MSBI
是对方的1.6倍
$50.3M
净利率更高
MSBI
高出28.3%
-5.1%
两年增速更快
RDI
近两年复合增速
-6.4%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $79.5M | $50.3M |
| 净利润 | $18.5M | $-2.6M |
| 毛利率 | — | — |
| 营业利润率 | — | -1.9% |
| 净利率 | 23.2% | -5.1% |
| 营收同比 | — | -14.2% |
| 净利润同比 | 739.3% | -14.5% |
| 每股收益（稀释后） | $0.74 | $-0.11 |
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MSBIRDI
| Q1 26 | $79.5M | — | ||
| Q4 25 | $85.6M | $50.3M | ||
| Q3 25 | $81.1M | $52.2M | ||
| Q2 25 | $82.2M | $60.4M | ||
| Q1 25 | $76.1M | $40.2M | ||
| Q4 24 | $93.9M | $58.6M | ||
| Q3 24 | $92.7M | $60.1M | ||
| Q2 24 | $90.9M | $46.8M |
净利润MSBIRDI
| Q1 26 | $18.5M | — | ||
| Q4 25 | $-2.9M | $-2.6M | ||
| Q3 25 | $7.6M | $-4.2M | ||
| Q2 25 | $12.0M | $-2.7M | ||
| Q1 25 | $-141.0M | $-4.8M | ||
| Q4 24 | $-30.8M | $-2.2M | ||
| Q3 24 | $20.4M | $-7.0M | ||
| Q2 24 | $25.7M | $-12.8M |
营业利润率MSBIRDI
| Q1 26 | — | — | ||
| Q4 25 | -5.5% | -1.9% | ||
| Q3 25 | 13.9% | -0.6% | ||
| Q2 25 | 18.1% | 4.8% | ||
| Q1 25 | -181.2% | -17.2% | ||
| Q4 24 | -66.5% | 2.6% | ||
| Q3 24 | 26.9% | -0.6% | ||
| Q2 24 | 35.0% | -16.4% |
净利率MSBIRDI
| Q1 26 | 23.2% | — | ||
| Q4 25 | -4.9% | -5.1% | ||
| Q3 25 | 9.3% | -8.0% | ||
| Q2 25 | 14.6% | -4.4% | ||
| Q1 25 | -185.4% | -11.8% | ||
| Q4 24 | -52.5% | -3.8% | ||
| Q3 24 | 22.1% | -11.7% | ||
| Q2 24 | 28.3% | -27.4% |
每股收益（稀释后）MSBIRDI
| Q1 26 | $0.74 | — | ||
| Q4 25 | $-0.22 | $-0.11 | ||
| Q3 25 | $0.24 | $-0.18 | ||
| Q2 25 | $0.44 | $-0.12 | ||
| Q1 25 | $-6.58 | $-0.21 | ||
| Q4 24 | $-1.49 | $-0.11 | ||
| Q3 24 | $0.83 | $-0.31 | ||
| Q2 24 | $1.06 | $-0.57 |
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 | $89.4M | $10.5M |
| 总债务越低越好 | $33.2M | $185.1M |
| 股东权益账面价值 | $569.5M | $-18.2M |
| 总资产 | $6.5B | $434.9M |
| 负债/权益比越低杠杆越低 | 0.06× | — |
8季度趋势，按日历期对齐
现金及短期投资MSBIRDI
| Q1 26 | $89.4M | — | ||
| Q4 25 | $127.8M | $10.5M | ||
| Q3 25 | $166.1M | $8.1M | ||
| Q2 25 | $176.6M | $9.1M | ||
| Q1 25 | $102.0M | $5.9M | ||
| Q4 24 | $114.8M | $12.4M | ||
| Q3 24 | $121.9M | $10.1M | ||
| Q2 24 | $124.6M | $9.3M |
总债务MSBIRDI
| Q1 26 | $33.2M | — | ||
| Q4 25 | — | $185.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $202.7M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益MSBIRDI
| Q1 26 | $569.5M | — | ||
| Q4 25 | $565.5M | $-18.2M | ||
| Q3 25 | $584.0M | $-12.1M | ||
| Q2 25 | $573.7M | $-7.7M | ||
| Q1 25 | $571.4M | $-8.1M | ||
| Q4 24 | $710.8M | $-4.4M | ||
| Q3 24 | $771.2M | $1.6M | ||
| Q2 24 | $736.8M | $6.5M |
总资产MSBIRDI
| Q1 26 | $6.5B | — | ||
| Q4 25 | $6.5B | $434.9M | ||
| Q3 25 | $6.9B | $435.2M | ||
| Q2 25 | $7.1B | $438.1M | ||
| Q1 25 | $7.3B | $441.0M | ||
| Q4 24 | $7.5B | $471.0M | ||
| Q3 24 | $7.7B | $495.7M | ||
| Q2 24 | $7.7B | $494.9M |
负债/权益比MSBIRDI
| Q1 26 | 0.06× | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | — | $4.3M |
| 自由现金流经营现金流 - 资本支出 | — | $4.1M |
| 自由现金流率自由现金流/营收 | — | 8.2% |
| 资本支出强度资本支出/营收 | — | 0.3% |
| 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 | — | $-2.9M |
8季度趋势，按日历期对齐
经营现金流MSBIRDI
| Q1 26 | — | — | ||
| Q4 25 | $125.7M | $4.3M | ||
| Q3 25 | $80.0M | $295.0K | ||
| Q2 25 | $28.1M | $1.6M | ||
| Q1 25 | $24.7M | $-7.7M | ||
| Q4 24 | $176.5M | $8.0M | ||
| Q3 24 | $46.5M | $1.3M | ||
| Q2 24 | $31.4M | $-10.4M |
自由现金流MSBIRDI
| Q1 26 | — | — | ||
| Q4 25 | $120.3M | $4.1M | ||
| Q3 25 | $78.6M | $-246.0K | ||
| Q2 25 | $26.7M | $1.2M | ||
| Q1 25 | $22.9M | $-8.0M | ||
| Q4 24 | $169.6M | $7.0M | ||
| Q3 24 | $44.4M | $-1.1M | ||
| Q2 24 | $29.9M | $-10.6M |
自由现金流率MSBIRDI
| Q1 26 | — | — | ||
| Q4 25 | 140.6% | 8.2% | ||
| Q3 25 | 96.9% | -0.5% | ||
| Q2 25 | 32.4% | 1.9% | ||
| Q1 25 | 30.1% | -19.8% | ||
| Q4 24 | 180.6% | 12.0% | ||
| Q3 24 | 47.9% | -1.8% | ||
| Q2 24 | 32.9% | -22.7% |
资本支出强度MSBIRDI
| Q1 26 | — | — | ||
| Q4 25 | 6.2% | 0.3% | ||
| Q3 25 | 1.7% | 1.0% | ||
| Q2 25 | 1.7% | 0.6% | ||
| Q1 25 | 2.4% | 0.6% | ||
| Q4 24 | 7.3% | 1.7% | ||
| Q3 24 | 2.3% | 4.0% | ||
| Q2 24 | 1.7% | 0.5% |
现金转化率MSBIRDI
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 10.58× | — | ||
| Q2 25 | 2.33× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.28× | — | ||
| Q2 24 | 1.22× | — |
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
MSBI
| Net Interest Income | $57.4M | 72% |
| Noninterest Income | $22.1M | 28% |
RDI
| Cinema Exhibition Segment | $46.9M | 93% |
| Real Estate Revenue | $3.4M | 7% |
