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NORTHPOINTE BANCSHARES INC（NPB）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
RCI HOSPITALITY HOLDINGS, INC.的季度营收约是NORTHPOINTE BANCSHARES INC的1.1倍（$70.9M vs $63.4M），NORTHPOINTE BANCSHARES INC净利率更高（34.9% vs -7.8%，领先42.7%）
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。
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。
NPB vs RICK — 直观对比
营收规模更大
RICK
是对方的1.1倍
$63.4M
净利率更高
NPB
高出42.7%
-7.8%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $63.4M | $70.9M |
| 净利润 | $22.2M | $-5.5M |
| 毛利率 | — | — |
| 营业利润率 | — | -0.7% |
| 净利率 | 34.9% | -7.8% |
| 营收同比 | — | -3.1% |
| 净利润同比 | — | -2354.9% |
| 每股收益（稀释后） | $0.62 | $-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NPBRICK
| Q1 26 | $63.4M | — | ||
| Q4 25 | $43.5M | — | ||
| Q3 25 | $40.3M | $70.9M | ||
| Q2 25 | $36.5M | $71.1M | ||
| Q1 25 | $30.4M | $65.9M | ||
| Q4 24 | — | $71.5M | ||
| Q3 24 | — | $73.2M | ||
| Q2 24 | — | $76.2M |
净利润NPBRICK
| Q1 26 | $22.2M | — | ||
| Q4 25 | $23.6M | — | ||
| Q3 25 | $22.2M | $-5.5M | ||
| Q2 25 | $20.3M | $4.1M | ||
| Q1 25 | $17.2M | $3.2M | ||
| Q4 24 | — | $9.0M | ||
| Q3 24 | — | $244.0K | ||
| Q2 24 | — | $-5.2M |
营业利润率NPBRICK
| Q1 26 | — | — | ||
| Q4 25 | 73.5% | — | ||
| Q3 25 | 72.3% | -0.7% | ||
| Q2 25 | 73.0% | 12.2% | ||
| Q1 25 | 74.4% | 12.4% | ||
| Q4 24 | — | 19.5% | ||
| Q3 24 | — | 4.8% | ||
| Q2 24 | — | -3.3% |
净利率NPBRICK
| Q1 26 | 34.9% | — | ||
| Q4 25 | 54.4% | — | ||
| Q3 25 | 55.0% | -7.8% | ||
| Q2 25 | 55.7% | 5.7% | ||
| Q1 25 | 56.8% | 4.9% | ||
| Q4 24 | — | 12.6% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | — | -6.9% |
每股收益（稀释后）NPBRICK
| Q1 26 | $0.62 | — | ||
| Q4 25 | $0.54 | — | ||
| Q3 25 | $0.57 | $-0.60 | ||
| Q2 25 | $0.51 | $0.46 | ||
| Q1 25 | $0.49 | $0.36 | ||
| Q4 24 | — | $1.01 | ||
| Q3 24 | — | $0.04 | ||
| Q2 24 | — | $-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 | $487.6M | $33.7M |
| 总债务越低越好 | — | $238.2M |
| 股东权益账面价值 | $590.0M | $261.1M |
| 总资产 | $7.4B | $596.9M |
| 负债/权益比越低杠杆越低 | — | 0.91× |
8季度趋势，按日历期对齐
现金及短期投资NPBRICK
| Q1 26 | $487.6M | — | ||
| Q4 25 | $496.5M | — | ||
| Q3 25 | $419.2M | $33.7M | ||
| Q2 25 | $415.7M | $29.3M | ||
| Q1 25 | $321.5M | $32.7M | ||
| Q4 24 | — | $34.7M | ||
| Q3 24 | — | $32.4M | ||
| Q2 24 | — | $34.9M |
总债务NPBRICK
| Q1 26 | — | — | ||
| 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NPBRICK
| Q1 26 | $590.0M | — | ||
| Q4 25 | $569.0M | — | ||
| Q3 25 | $623.5M | $261.1M | ||
| Q2 25 | $604.3M | $269.5M | ||
| Q1 25 | $586.5M | $268.8M | ||
| Q4 24 | — | $269.0M | ||
| Q3 24 | — | $263.4M | ||
| Q2 24 | — | $271.2M |
总资产NPBRICK
| Q1 26 | $7.4B | — | ||
| Q4 25 | $7.0B | — | ||
| Q3 25 | $6.8B | $596.9M | ||
| Q2 25 | $6.4B | $597.4M | ||
| Q1 25 | $5.9B | $589.8M | ||
| Q4 24 | — | $586.2M | ||
| Q3 24 | — | $584.4M | ||
| Q2 24 | — | $601.0M |
负债/权益比NPBRICK
| Q1 26 | — | — | ||
| 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NPBRICK
| Q1 26 | — | — | ||
| Q4 25 | $-28.3M | — | ||
| Q3 25 | $90.4M | $13.7M | ||
| Q2 25 | $-72.3M | $13.8M | ||
| Q1 25 | $54.4M | $8.5M | ||
| Q4 24 | — | $13.3M | ||
| Q3 24 | — | $15.7M | ||
| Q2 24 | — | $15.8M |
自由现金流NPBRICK
| Q1 26 | — | — | ||
| Q4 25 | $-28.8M | — | ||
| Q3 25 | $89.6M | $11.5M | ||
| Q2 25 | $-73.4M | $10.1M | ||
| Q1 25 | $54.1M | $5.7M | ||
| Q4 24 | — | $7.6M | ||
| Q3 24 | — | $10.3M | ||
| Q2 24 | — | $9.3M |
自由现金流率NPBRICK
| Q1 26 | — | — | ||
| Q4 25 | -66.1% | — | ||
| Q3 25 | 222.3% | 16.2% | ||
| Q2 25 | -201.1% | 14.2% | ||
| Q1 25 | 178.0% | 8.6% | ||
| Q4 24 | — | 10.6% | ||
| Q3 24 | — | 14.0% | ||
| Q2 24 | — | 12.3% |
资本支出强度NPBRICK
| Q1 26 | — | — | ||
| Q4 25 | 1.2% | — | ||
| Q3 25 | 2.0% | 3.2% | ||
| Q2 25 | 3.1% | 5.2% | ||
| Q1 25 | 1.1% | 4.3% | ||
| Q4 24 | — | 8.0% | ||
| Q3 24 | — | 7.3% | ||
| Q2 24 | — | 8.4% |
现金转化率NPBRICK
| Q1 26 | — | — | ||
| Q4 25 | -1.20× | — | ||
| Q3 25 | 4.08× | — | ||
| Q2 25 | -3.55× | 3.40× | ||
| Q1 25 | 3.16× | 2.65× | ||
| Q4 24 | — | 1.48× | ||
| Q3 24 | — | 64.14× | ||
| 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% |
RICK
| Transferred At Point In Time | $60.8M | 86% |
| Food And Merchandise | $10.4M | 15% |
