vs
Midland States Bancorp, Inc.（MSBI）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
Midland States Bancorp, Inc.的季度营收约是Repay Holdings Corp的1.0倍（$79.5M vs $78.6M），Midland States Bancorp, Inc.净利率更高（23.2% vs -178.3%，领先201.5%），过去两年Repay Holdings Corp的营收复合增速更高（-1.3% 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。
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。
MSBI vs RPAY — 直观对比
营收规模更大
MSBI
是对方的1.0倍
$78.6M
净利率更高
MSBI
高出201.5%
-178.3%
两年增速更快
RPAY
近两年复合增速
-6.4%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $79.5M | $78.6M |
| 净利润 | $18.5M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | — | -182.2% |
| 净利率 | 23.2% | -178.3% |
| 营收同比 | — | 0.4% |
| 净利润同比 | 739.3% | -3304.1% |
| 每股收益（稀释后） | $0.74 | $-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MSBIRPAY
| Q1 26 | $79.5M | — | ||
| Q4 25 | $85.6M | $78.6M | ||
| Q3 25 | $81.1M | $77.7M | ||
| Q2 25 | $82.2M | $75.6M | ||
| Q1 25 | $76.1M | $77.3M | ||
| Q4 24 | $93.9M | $78.3M | ||
| Q3 24 | $92.7M | $79.1M | ||
| Q2 24 | $90.9M | $74.9M |
净利润MSBIRPAY
| Q1 26 | $18.5M | — | ||
| Q4 25 | $-2.9M | $-140.1M | ||
| Q3 25 | $7.6M | $-6.4M | ||
| Q2 25 | $12.0M | $-102.3M | ||
| Q1 25 | $-141.0M | $-7.9M | ||
| Q4 24 | $-30.8M | $-4.1M | ||
| Q3 24 | $20.4M | $3.2M | ||
| Q2 24 | $25.7M | $-4.1M |
毛利率MSBIRPAY
| Q1 26 | — | — | ||
| 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% |
营业利润率MSBIRPAY
| Q1 26 | — | — | ||
| Q4 25 | -5.5% | -182.2% | ||
| Q3 25 | 13.9% | -3.9% | ||
| Q2 25 | 18.1% | -138.7% | ||
| Q1 25 | -181.2% | -4.7% | ||
| Q4 24 | -66.5% | -1.5% | ||
| Q3 24 | 26.9% | -0.9% | ||
| Q2 24 | 35.0% | -4.6% |
净利率MSBIRPAY
| Q1 26 | 23.2% | — | ||
| Q4 25 | -4.9% | -178.3% | ||
| Q3 25 | 9.3% | -8.3% | ||
| Q2 25 | 14.6% | -135.2% | ||
| Q1 25 | -185.4% | -10.3% | ||
| Q4 24 | -52.5% | -5.3% | ||
| Q3 24 | 22.1% | 4.1% | ||
| Q2 24 | 28.3% | -5.4% |
每股收益（稀释后）MSBIRPAY
| Q1 26 | $0.74 | — | ||
| Q4 25 | $-0.22 | $-1.68 | ||
| Q3 25 | $0.24 | $-0.08 | ||
| Q2 25 | $0.44 | $-1.15 | ||
| Q1 25 | $-6.58 | $-0.09 | ||
| Q4 24 | $-1.49 | $-0.04 | ||
| Q3 24 | $0.83 | $0.03 | ||
| Q2 24 | $1.06 | $-0.04 |
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 | $115.7M |
| 总债务越低越好 | $33.2M | $280.1M |
| 股东权益账面价值 | $569.5M | $484.4M |
| 总资产 | $6.5B | $1.2B |
| 负债/权益比越低杠杆越低 | 0.06× | 0.58× |
8季度趋势，按日历期对齐
现金及短期投资MSBIRPAY
| Q1 26 | $89.4M | — | ||
| Q4 25 | $127.8M | $115.7M | ||
| Q3 25 | $166.1M | $95.7M | ||
| Q2 25 | $176.6M | $162.6M | ||
| Q1 25 | $102.0M | $165.5M | ||
| Q4 24 | $114.8M | $189.5M | ||
| Q3 24 | $121.9M | $168.7M | ||
| Q2 24 | $124.6M | $147.1M |
总债务MSBIRPAY
| Q1 26 | $33.2M | — | ||
| 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 |
股东权益MSBIRPAY
| Q1 26 | $569.5M | — | ||
| Q4 25 | $565.5M | $484.4M | ||
| Q3 25 | $584.0M | $616.9M | ||
| Q2 25 | $573.7M | $633.7M | ||
| Q1 25 | $571.4M | $755.7M | ||
| Q4 24 | $710.8M | $761.3M | ||
| Q3 24 | $771.2M | $754.7M | ||
| Q2 24 | $736.8M | $815.4M |
总资产MSBIRPAY
| Q1 26 | $6.5B | — | ||
| Q4 25 | $6.5B | $1.2B | ||
| Q3 25 | $6.9B | $1.3B | ||
| Q2 25 | $7.1B | $1.4B | ||
| Q1 25 | $7.3B | $1.5B | ||
| Q4 24 | $7.5B | $1.6B | ||
| Q3 24 | $7.7B | $1.6B | ||
| Q2 24 | $7.7B | $1.5B |
负债/权益比MSBIRPAY
| Q1 26 | 0.06× | — | ||
| 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× |
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 | — | $23.3M |
| 自由现金流经营现金流 - 资本支出 | — | $23.2M |
| 自由现金流率自由现金流/营收 | — | 29.6% |
| 资本支出强度资本支出/营收 | — | 0.1% |
| 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 | — | $90.7M |
8季度趋势，按日历期对齐
经营现金流MSBIRPAY
| Q1 26 | — | — | ||
| Q4 25 | $125.7M | $23.3M | ||
| Q3 25 | $80.0M | $32.2M | ||
| Q2 25 | $28.1M | $33.1M | ||
| Q1 25 | $24.7M | $2.5M | ||
| Q4 24 | $176.5M | $34.3M | ||
| Q3 24 | $46.5M | $60.1M | ||
| Q2 24 | $31.4M | $31.0M |
自由现金流MSBIRPAY
| Q1 26 | — | — | ||
| Q4 25 | $120.3M | $23.2M | ||
| Q3 25 | $78.6M | $32.1M | ||
| Q2 25 | $26.7M | $33.0M | ||
| Q1 25 | $22.9M | $2.4M | ||
| Q4 24 | $169.6M | $34.0M | ||
| Q3 24 | $44.4M | $59.8M | ||
| Q2 24 | $29.9M | $30.5M |
自由现金流率MSBIRPAY
| Q1 26 | — | — | ||
| Q4 25 | 140.6% | 29.6% | ||
| Q3 25 | 96.9% | 41.3% | ||
| Q2 25 | 32.4% | 43.6% | ||
| Q1 25 | 30.1% | 3.0% | ||
| Q4 24 | 180.6% | 43.5% | ||
| Q3 24 | 47.9% | 75.6% | ||
| Q2 24 | 32.9% | 40.7% |
资本支出强度MSBIRPAY
| Q1 26 | — | — | ||
| Q4 25 | 6.2% | 0.1% | ||
| Q3 25 | 1.7% | 0.2% | ||
| Q2 25 | 1.7% | 0.1% | ||
| Q1 25 | 2.4% | 0.2% | ||
| Q4 24 | 7.3% | 0.3% | ||
| Q3 24 | 2.3% | 0.3% | ||
| Q2 24 | 1.7% | 0.6% |
现金转化率MSBIRPAY
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 10.58× | — | ||
| Q2 25 | 2.33× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.28× | 18.52× | ||
| 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% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
