vs
NORTHPOINTE BANCSHARES INC（NPB）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
NORTHPOINTE BANCSHARES INC的季度营收约是READING INTERNATIONAL INC的1.3倍（$63.4M vs $50.3M），NORTHPOINTE BANCSHARES INC净利率更高（34.9% vs -5.1%，领先40.0%）
Northpointe Bancshares Inc是一家美国银行控股公司，通过旗下全资银行子公司开展业务，提供各类零售及商业银行服务，涵盖存款账户、住房抵押贷款、小微企业信贷、财富管理等，主要服务美国本土区域社区客户。
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。
NPB vs RDI — 直观对比
营收规模更大
NPB
是对方的1.3倍
$50.3M
净利率更高
NPB
高出40.0%
-5.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $63.4M | $50.3M |
| 净利润 | $22.2M | $-2.6M |
| 毛利率 | — | — |
| 营业利润率 | — | -1.9% |
| 净利率 | 34.9% | -5.1% |
| 营收同比 | — | -14.2% |
| 净利润同比 | — | -14.5% |
| 每股收益（稀释后） | $0.62 | $-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NPBRDI
| Q1 26 | $63.4M | — | ||
| Q4 25 | $43.5M | $50.3M | ||
| Q3 25 | $40.3M | $52.2M | ||
| Q2 25 | $36.5M | $60.4M | ||
| Q1 25 | $30.4M | $40.2M | ||
| Q4 24 | — | $58.6M | ||
| Q3 24 | — | $60.1M | ||
| Q2 24 | — | $46.8M |
净利润NPBRDI
| Q1 26 | $22.2M | — | ||
| Q4 25 | $23.6M | $-2.6M | ||
| Q3 25 | $22.2M | $-4.2M | ||
| Q2 25 | $20.3M | $-2.7M | ||
| Q1 25 | $17.2M | $-4.8M | ||
| Q4 24 | — | $-2.2M | ||
| Q3 24 | — | $-7.0M | ||
| Q2 24 | — | $-12.8M |
营业利润率NPBRDI
| Q1 26 | — | — | ||
| Q4 25 | 73.5% | -1.9% | ||
| Q3 25 | 72.3% | -0.6% | ||
| Q2 25 | 73.0% | 4.8% | ||
| Q1 25 | 74.4% | -17.2% | ||
| Q4 24 | — | 2.6% | ||
| Q3 24 | — | -0.6% | ||
| Q2 24 | — | -16.4% |
净利率NPBRDI
| Q1 26 | 34.9% | — | ||
| Q4 25 | 54.4% | -5.1% | ||
| Q3 25 | 55.0% | -8.0% | ||
| Q2 25 | 55.7% | -4.4% | ||
| Q1 25 | 56.8% | -11.8% | ||
| Q4 24 | — | -3.8% | ||
| Q3 24 | — | -11.7% | ||
| Q2 24 | — | -27.4% |
每股收益（稀释后）NPBRDI
| Q1 26 | $0.62 | — | ||
| Q4 25 | $0.54 | $-0.11 | ||
| Q3 25 | $0.57 | $-0.18 | ||
| Q2 25 | $0.51 | $-0.12 | ||
| Q1 25 | $0.49 | $-0.21 | ||
| Q4 24 | — | $-0.11 | ||
| Q3 24 | — | $-0.31 | ||
| Q2 24 | — | $-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 | $487.6M | $10.5M |
| 总债务越低越好 | — | $185.1M |
| 股东权益账面价值 | $590.0M | $-18.2M |
| 总资产 | $7.4B | $434.9M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资NPBRDI
| Q1 26 | $487.6M | — | ||
| Q4 25 | $496.5M | $10.5M | ||
| Q3 25 | $419.2M | $8.1M | ||
| Q2 25 | $415.7M | $9.1M | ||
| Q1 25 | $321.5M | $5.9M | ||
| Q4 24 | — | $12.4M | ||
| Q3 24 | — | $10.1M | ||
| Q2 24 | — | $9.3M |
总债务NPBRDI
| Q1 26 | — | — | ||
| Q4 25 | — | $185.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $202.7M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益NPBRDI
| Q1 26 | $590.0M | — | ||
| Q4 25 | $569.0M | $-18.2M | ||
| Q3 25 | $623.5M | $-12.1M | ||
| Q2 25 | $604.3M | $-7.7M | ||
| Q1 25 | $586.5M | $-8.1M | ||
| Q4 24 | — | $-4.4M | ||
| Q3 24 | — | $1.6M | ||
| Q2 24 | — | $6.5M |
总资产NPBRDI
| Q1 26 | $7.4B | — | ||
| Q4 25 | $7.0B | $434.9M | ||
| Q3 25 | $6.8B | $435.2M | ||
| Q2 25 | $6.4B | $438.1M | ||
| Q1 25 | $5.9B | $441.0M | ||
| Q4 24 | — | $471.0M | ||
| Q3 24 | — | $495.7M | ||
| Q2 24 | — | $494.9M |
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NPBRDI
| Q1 26 | — | — | ||
| Q4 25 | $-28.3M | $4.3M | ||
| Q3 25 | $90.4M | $295.0K | ||
| Q2 25 | $-72.3M | $1.6M | ||
| Q1 25 | $54.4M | $-7.7M | ||
| Q4 24 | — | $8.0M | ||
| Q3 24 | — | $1.3M | ||
| Q2 24 | — | $-10.4M |
自由现金流NPBRDI
| Q1 26 | — | — | ||
| Q4 25 | $-28.8M | $4.1M | ||
| Q3 25 | $89.6M | $-246.0K | ||
| Q2 25 | $-73.4M | $1.2M | ||
| Q1 25 | $54.1M | $-8.0M | ||
| Q4 24 | — | $7.0M | ||
| Q3 24 | — | $-1.1M | ||
| Q2 24 | — | $-10.6M |
自由现金流率NPBRDI
| Q1 26 | — | — | ||
| Q4 25 | -66.1% | 8.2% | ||
| Q3 25 | 222.3% | -0.5% | ||
| Q2 25 | -201.1% | 1.9% | ||
| Q1 25 | 178.0% | -19.8% | ||
| Q4 24 | — | 12.0% | ||
| Q3 24 | — | -1.8% | ||
| Q2 24 | — | -22.7% |
资本支出强度NPBRDI
| Q1 26 | — | — | ||
| Q4 25 | 1.2% | 0.3% | ||
| Q3 25 | 2.0% | 1.0% | ||
| Q2 25 | 3.1% | 0.6% | ||
| Q1 25 | 1.1% | 0.6% | ||
| Q4 24 | — | 1.7% | ||
| Q3 24 | — | 4.0% | ||
| Q2 24 | — | 0.5% |
现金转化率NPBRDI
| Q1 26 | — | — | ||
| Q4 25 | -1.20× | — | ||
| Q3 25 | 4.08× | — | ||
| Q2 25 | -3.55× | — | ||
| Q1 25 | 3.16× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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
NPB
| Net Interest Income | $41.3M | 65% |
| Noninterest Income | $22.1M | 35% |
RDI
| Cinema Exhibition Segment | $46.9M | 93% |
| Real Estate Revenue | $3.4M | 7% |
