vs
Midland States Bancorp, Inc.（MSBI）与RCI HOSPITALITY HOLDINGS, INC.（RICK）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RCI HOSPITALITY HOLDINGS, INC.的1.1倍（$79.5M vs $70.9M），Midland States Bancorp, Inc.净利率更高（23.2% vs -7.8%，领先31.0%），过去两年RCI HOSPITALITY HOLDINGS, INC.的营收复合增速更高（-2.0% 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。
RCI Hospitality控股通过子公司经营脱衣舞俱乐部、夜总会、运动酒吧与餐厅，同时还运营一家为成人俱乐部行业提供服务的传媒会展企业。公司于1995年完成首次公开募股上市，目前在纳斯达克全球市场挂牌交易。
MSBI vs RICK — 直观对比
营收规模更大
MSBI
是对方的1.1倍
$70.9M
净利率更高
MSBI
高出31.0%
-7.8%
两年增速更快
RICK
近两年复合增速
-6.4%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $79.5M | $70.9M |
| 净利润 | $18.5M | $-5.5M |
| 毛利率 | — | — |
| 营业利润率 | — | -0.7% |
| 净利率 | 23.2% | -7.8% |
| 营收同比 | — | -3.1% |
| 净利润同比 | 739.3% | -2354.9% |
| 每股收益（稀释后） | $0.74 | $-0.60 |
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MSBIRICK
| Q1 26 | $79.5M | — | ||
| Q4 25 | $85.6M | — | ||
| Q3 25 | $81.1M | $70.9M | ||
| Q2 25 | $82.2M | $71.1M | ||
| Q1 25 | $76.1M | $65.9M | ||
| Q4 24 | $93.9M | $71.5M | ||
| Q3 24 | $92.7M | $73.2M | ||
| Q2 24 | $90.9M | $76.2M |
净利润MSBIRICK
| Q1 26 | $18.5M | — | ||
| Q4 25 | $-2.9M | — | ||
| Q3 25 | $7.6M | $-5.5M | ||
| Q2 25 | $12.0M | $4.1M | ||
| Q1 25 | $-141.0M | $3.2M | ||
| Q4 24 | $-30.8M | $9.0M | ||
| Q3 24 | $20.4M | $244.0K | ||
| Q2 24 | $25.7M | $-5.2M |
营业利润率MSBIRICK
| Q1 26 | — | — | ||
| Q4 25 | -5.5% | — | ||
| Q3 25 | 13.9% | -0.7% | ||
| Q2 25 | 18.1% | 12.2% | ||
| Q1 25 | -181.2% | 12.4% | ||
| Q4 24 | -66.5% | 19.5% | ||
| Q3 24 | 26.9% | 4.8% | ||
| Q2 24 | 35.0% | -3.3% |
净利率MSBIRICK
| Q1 26 | 23.2% | — | ||
| Q4 25 | -4.9% | — | ||
| Q3 25 | 9.3% | -7.8% | ||
| Q2 25 | 14.6% | 5.7% | ||
| Q1 25 | -185.4% | 4.9% | ||
| Q4 24 | -52.5% | 12.6% | ||
| Q3 24 | 22.1% | 0.3% | ||
| Q2 24 | 28.3% | -6.9% |
每股收益（稀释后）MSBIRICK
| Q1 26 | $0.74 | — | ||
| Q4 25 | $-0.22 | — | ||
| Q3 25 | $0.24 | $-0.60 | ||
| Q2 25 | $0.44 | $0.46 | ||
| Q1 25 | $-6.58 | $0.36 | ||
| Q4 24 | $-1.49 | $1.01 | ||
| Q3 24 | $0.83 | $0.04 | ||
| Q2 24 | $1.06 | $-0.56 |
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 | $33.7M |
| 总债务越低越好 | $33.2M | $238.2M |
| 股东权益账面价值 | $569.5M | $261.1M |
| 总资产 | $6.5B | $596.9M |
| 负债/权益比越低杠杆越低 | 0.06× | 0.91× |
8季度趋势，按日历期对齐
现金及短期投资MSBIRICK
| Q1 26 | $89.4M | — | ||
| Q4 25 | $127.8M | — | ||
| Q3 25 | $166.1M | $33.7M | ||
| Q2 25 | $176.6M | $29.3M | ||
| Q1 25 | $102.0M | $32.7M | ||
| Q4 24 | $114.8M | $34.7M | ||
| Q3 24 | $121.9M | $32.4M | ||
| Q2 24 | $124.6M | $34.9M |
总债务MSBIRICK
| Q1 26 | $33.2M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $238.2M | ||
| Q2 25 | — | $243.8M | ||
| Q1 25 | — | $244.1M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $241.1M | ||
| Q2 24 | — | — |
股东权益MSBIRICK
| Q1 26 | $569.5M | — | ||
| Q4 25 | $565.5M | — | ||
| Q3 25 | $584.0M | $261.1M | ||
| Q2 25 | $573.7M | $269.5M | ||
| Q1 25 | $571.4M | $268.8M | ||
| Q4 24 | $710.8M | $269.0M | ||
| Q3 24 | $771.2M | $263.4M | ||
| Q2 24 | $736.8M | $271.2M |
总资产MSBIRICK
| Q1 26 | $6.5B | — | ||
| Q4 25 | $6.5B | — | ||
| Q3 25 | $6.9B | $596.9M | ||
| Q2 25 | $7.1B | $597.4M | ||
| Q1 25 | $7.3B | $589.8M | ||
| Q4 24 | $7.5B | $586.2M | ||
| Q3 24 | $7.7B | $584.4M | ||
| Q2 24 | $7.7B | $601.0M |
负债/权益比MSBIRICK
| Q1 26 | 0.06× | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 0.91× | ||
| Q2 25 | — | 0.90× | ||
| Q1 25 | — | 0.91× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.92× | ||
| 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 | — | $13.7M |
| 自由现金流经营现金流 - 资本支出 | — | $11.5M |
| 自由现金流率自由现金流/营收 | — | 16.2% |
| 资本支出强度资本支出/营收 | — | 3.2% |
| 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 | — | $34.9M |
8季度趋势，按日历期对齐
经营现金流MSBIRICK
| Q1 26 | — | — | ||
| Q4 25 | $125.7M | — | ||
| Q3 25 | $80.0M | $13.7M | ||
| Q2 25 | $28.1M | $13.8M | ||
| Q1 25 | $24.7M | $8.5M | ||
| Q4 24 | $176.5M | $13.3M | ||
| Q3 24 | $46.5M | $15.7M | ||
| Q2 24 | $31.4M | $15.8M |
自由现金流MSBIRICK
| Q1 26 | — | — | ||
| Q4 25 | $120.3M | — | ||
| Q3 25 | $78.6M | $11.5M | ||
| Q2 25 | $26.7M | $10.1M | ||
| Q1 25 | $22.9M | $5.7M | ||
| Q4 24 | $169.6M | $7.6M | ||
| Q3 24 | $44.4M | $10.3M | ||
| Q2 24 | $29.9M | $9.3M |
自由现金流率MSBIRICK
| Q1 26 | — | — | ||
| Q4 25 | 140.6% | — | ||
| Q3 25 | 96.9% | 16.2% | ||
| Q2 25 | 32.4% | 14.2% | ||
| Q1 25 | 30.1% | 8.6% | ||
| Q4 24 | 180.6% | 10.6% | ||
| Q3 24 | 47.9% | 14.0% | ||
| Q2 24 | 32.9% | 12.3% |
资本支出强度MSBIRICK
| Q1 26 | — | — | ||
| Q4 25 | 6.2% | — | ||
| Q3 25 | 1.7% | 3.2% | ||
| Q2 25 | 1.7% | 5.2% | ||
| Q1 25 | 2.4% | 4.3% | ||
| Q4 24 | 7.3% | 8.0% | ||
| Q3 24 | 2.3% | 7.3% | ||
| Q2 24 | 1.7% | 8.4% |
现金转化率MSBIRICK
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 10.58× | — | ||
| Q2 25 | 2.33× | 3.40× | ||
| Q1 25 | — | 2.65× | ||
| Q4 24 | — | 1.48× | ||
| Q3 24 | 2.28× | 64.14× | ||
| 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% |
RICK
| Transferred At Point In Time | $60.8M | 86% |
| Food And Merchandise | $10.4M | 15% |
