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Northfield Bancorp, Inc.（NFBK）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Northfield Bancorp, Inc.的1.9倍（$78.6M vs $41.3M），Repay Holdings Corp净利率更高（-178.3% vs -1545.5%，领先1367.2%），Northfield Bancorp, Inc.同比增速更快（12.7% vs 0.4%），Northfield Bancorp, Inc.自由现金流更多（$52.5M vs $23.2M），过去两年Northfield Bancorp, Inc.的营收复合增速更高（15.0% vs -1.3%）
诺斯菲尔德银行控股公司是总部位于美国的区域性银行机构，主要服务美国东北部市场，面向个人消费者、中小企业及本地社区客户提供储蓄存款、住房贷款、商业信贷、财富管理等多元银行服务。
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。
NFBK vs RPAY — 直观对比
营收规模更大
RPAY
是对方的1.9倍
$41.3M
营收增速更快
NFBK
高出12.3%
0.4%
净利率更高
RPAY
高出1367.2%
-1545.5%
自由现金流更多
NFBK
多$29.3M
$23.2M
两年增速更快
NFBK
近两年复合增速
-1.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $41.3M | $78.6M |
| 净利润 | $-27.4M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | -1263.3% | -182.2% |
| 净利率 | -1545.5% | -178.3% |
| 营收同比 | 12.7% | 0.4% |
| 净利润同比 | -343.6% | -3304.1% |
| 每股收益（稀释后） | $-0.68 | $-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NFBKRPAY
| Q4 25 | $41.3M | $78.6M | ||
| Q3 25 | $39.2M | $77.7M | ||
| Q2 25 | $38.9M | $75.6M | ||
| Q1 25 | $34.8M | $77.3M | ||
| Q4 24 | $36.7M | $78.3M | ||
| Q3 24 | $31.8M | $79.1M | ||
| Q2 24 | $31.5M | $74.9M | ||
| Q1 24 | $31.3M | $80.7M |
净利润NFBKRPAY
| Q4 25 | $-27.4M | $-140.1M | ||
| Q3 25 | $10.8M | $-6.4M | ||
| Q2 25 | $9.6M | $-102.3M | ||
| Q1 25 | $7.9M | $-7.9M | ||
| Q4 24 | $11.3M | $-4.1M | ||
| Q3 24 | $6.5M | $3.2M | ||
| Q2 24 | $6.0M | $-4.1M | ||
| Q1 24 | $6.2M | $-5.2M |
毛利率NFBKRPAY
| 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NFBKRPAY
| Q4 25 | -1263.3% | -182.2% | ||
| Q3 25 | 37.7% | -3.9% | ||
| Q2 25 | 35.6% | -138.7% | ||
| Q1 25 | 31.0% | -4.7% | ||
| Q4 24 | 38.0% | -1.5% | ||
| Q3 24 | 27.9% | -0.9% | ||
| Q2 24 | 29.1% | -4.6% | ||
| Q1 24 | 27.2% | -3.1% |
净利率NFBKRPAY
| Q4 25 | -1545.5% | -178.3% | ||
| Q3 25 | 27.4% | -8.3% | ||
| Q2 25 | 24.6% | -135.2% | ||
| Q1 25 | 22.6% | -10.3% | ||
| Q4 24 | 30.7% | -5.3% | ||
| Q3 24 | 20.5% | 4.1% | ||
| Q2 24 | 18.9% | -5.4% | ||
| Q1 24 | 19.9% | -6.5% |
每股收益（稀释后）NFBKRPAY
| Q4 25 | $-0.68 | $-1.68 | ||
| Q3 25 | $0.27 | $-0.08 | ||
| Q2 25 | $0.24 | $-1.15 | ||
| Q1 25 | $0.19 | $-0.09 | ||
| Q4 24 | $0.27 | $-0.04 | ||
| Q3 24 | $0.16 | $0.03 | ||
| Q2 24 | $0.14 | $-0.04 | ||
| Q1 24 | $0.15 | $-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 | $164.0M | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $690.1M | $484.4M |
| 总资产 | $5.8B | $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NFBKRPAY
| Q4 25 | $164.0M | $115.7M | ||
| Q3 25 | $131.7M | $95.7M | ||
| Q2 25 | $97.6M | $162.6M | ||
| Q1 25 | $101.7M | $165.5M | ||
| Q4 24 | $167.7M | $189.5M | ||
| Q3 24 | $232.9M | $168.7M | ||
| Q2 24 | $153.5M | $147.1M | ||
| Q1 24 | $238.8M | $128.3M |
总债务NFBKRPAY
| Q4 25 | — | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | $666.4M | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M | ||
| Q1 24 | — | $434.9M |
股东权益NFBKRPAY
| Q4 25 | $690.1M | $484.4M | ||
| Q3 25 | $719.6M | $616.9M | ||
| Q2 25 | $710.3M | $633.7M | ||
| Q1 25 | $711.1M | $755.7M | ||
| Q4 24 | $704.7M | $761.3M | ||
| Q3 24 | $699.6M | $754.7M | ||
| Q2 24 | $693.0M | $815.4M | ||
| Q1 24 | $698.4M | $813.8M |
总资产NFBKRPAY
| Q4 25 | $5.8B | $1.2B | ||
| Q3 25 | $5.7B | $1.3B | ||
| Q2 25 | $5.7B | $1.4B | ||
| Q1 25 | $5.7B | $1.5B | ||
| Q4 24 | $5.7B | $1.6B | ||
| Q3 24 | $5.7B | $1.6B | ||
| Q2 24 | $5.7B | $1.5B | ||
| Q1 24 | $5.9B | $1.5B |
负债/权益比NFBKRPAY
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | 0.95× | 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 | $53.7M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $52.5M | $23.2M |
| 自由现金流率自由现金流/营收 | 127.1% | 29.6% |
| 资本支出强度资本支出/营收 | 2.8% | 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 | $89.2M | $90.7M |
8季度趋势，按日历期对齐
经营现金流NFBKRPAY
| Q4 25 | $53.7M | $23.3M | ||
| Q3 25 | $13.9M | $32.2M | ||
| Q2 25 | $14.1M | $33.1M | ||
| Q1 25 | $9.4M | $2.5M | ||
| Q4 24 | $31.1M | $34.3M | ||
| Q3 24 | $14.0M | $60.1M | ||
| Q2 24 | $6.9M | $31.0M | ||
| Q1 24 | $4.2M | $24.8M |
自由现金流NFBKRPAY
| Q4 25 | $52.5M | $23.2M | ||
| Q3 25 | $13.6M | $32.1M | ||
| Q2 25 | $13.9M | $33.0M | ||
| Q1 25 | $9.2M | $2.4M | ||
| Q4 24 | $30.0M | $34.0M | ||
| Q3 24 | $13.7M | $59.8M | ||
| Q2 24 | $6.7M | $30.5M | ||
| Q1 24 | $3.8M | $24.7M |
自由现金流率NFBKRPAY
| Q4 25 | 127.1% | 29.6% | ||
| Q3 25 | 34.6% | 41.3% | ||
| Q2 25 | 35.7% | 43.6% | ||
| Q1 25 | 26.3% | 3.0% | ||
| Q4 24 | 81.6% | 43.5% | ||
| Q3 24 | 43.2% | 75.6% | ||
| Q2 24 | 21.1% | 40.7% | ||
| Q1 24 | 12.1% | 30.6% |
资本支出强度NFBKRPAY
| Q4 25 | 2.8% | 0.1% | ||
| Q3 25 | 0.8% | 0.2% | ||
| Q2 25 | 0.6% | 0.1% | ||
| Q1 25 | 0.7% | 0.2% | ||
| Q4 24 | 3.1% | 0.3% | ||
| Q3 24 | 0.7% | 0.3% | ||
| Q2 24 | 0.8% | 0.6% | ||
| Q1 24 | 1.4% | 0.1% |
现金转化率NFBKRPAY
| Q4 25 | — | — | ||
| Q3 25 | 1.29× | — | ||
| Q2 25 | 1.48× | — | ||
| Q1 25 | 1.20× | — | ||
| Q4 24 | 2.76× | — | ||
| Q3 24 | 2.14× | 18.52× | ||
| Q2 24 | 1.16× | — | ||
| Q1 24 | 0.68× | — |
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
NFBK
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% |
