vs
NORTHPOINTE BANCSHARES INC（NPB）与RE/MAX Holdings, Inc.（RMAX）财务数据对比。点击上方公司名可切换其他公司
RE/MAX Holdings, Inc.的季度营收约是NORTHPOINTE BANCSHARES INC的1.1倍（$71.1M vs $63.4M），NORTHPOINTE BANCSHARES INC净利率更高（34.9% vs 2.0%，领先32.9%）
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。
RE/MAX是全球知名的房地产特许经营机构，业务遍布全球一百多个国家和地区，旗下拥有数千家门店，总计超过十万名房产经纪人，在国际房产中介领域拥有极高的品牌知名度与市场影响力。
NPB vs RMAX — 直观对比
营收规模更大
RMAX
是对方的1.1倍
$63.4M
净利率更高
NPB
高出32.9%
2.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $63.4M | $71.1M |
| 净利润 | $22.2M | $1.4M |
| 毛利率 | — | — |
| 营业利润率 | — | 13.1% |
| 净利率 | 34.9% | 2.0% |
| 营收同比 | — | -1.8% |
| 净利润同比 | — | -75.2% |
| 每股收益（稀释后） | $0.62 | — |
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NPBRMAX
| Q1 26 | $63.4M | — | ||
| Q4 25 | $43.5M | $71.1M | ||
| Q3 25 | $40.3M | $73.2M | ||
| Q2 25 | $36.5M | $72.8M | ||
| Q1 25 | $30.4M | $74.5M | ||
| Q4 24 | — | $72.5M | ||
| Q3 24 | — | $78.5M | ||
| Q2 24 | — | $78.5M |
净利润NPBRMAX
| Q1 26 | $22.2M | — | ||
| Q4 25 | $23.6M | $1.4M | ||
| Q3 25 | $22.2M | $4.0M | ||
| Q2 25 | $20.3M | $4.7M | ||
| Q1 25 | $17.2M | $-2.0M | ||
| Q4 24 | — | $5.8M | ||
| Q3 24 | — | $966.0K | ||
| Q2 24 | — | $3.7M |
营业利润率NPBRMAX
| Q1 26 | — | — | ||
| Q4 25 | 73.5% | 13.1% | ||
| Q3 25 | 72.3% | 25.0% | ||
| Q2 25 | 73.0% | 19.3% | ||
| Q1 25 | 74.4% | 7.2% | ||
| Q4 24 | — | 5.9% | ||
| Q3 24 | — | 19.4% | ||
| Q2 24 | — | 20.6% |
净利率NPBRMAX
| Q1 26 | 34.9% | — | ||
| Q4 25 | 54.4% | 2.0% | ||
| Q3 25 | 55.0% | 5.4% | ||
| Q2 25 | 55.7% | 6.4% | ||
| Q1 25 | 56.8% | -2.6% | ||
| Q4 24 | — | 8.0% | ||
| Q3 24 | — | 1.2% | ||
| Q2 24 | — | 4.7% |
每股收益（稀释后）NPBRMAX
| Q1 26 | $0.62 | — | ||
| Q4 25 | $0.54 | — | ||
| Q3 25 | $0.57 | — | ||
| Q2 25 | $0.51 | — | ||
| Q1 25 | $0.49 | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | $118.7M |
| 总债务越低越好 | — | $432.2M |
| 股东权益账面价值 | $590.0M | $452.4M |
| 总资产 | $7.4B | $582.5M |
| 负债/权益比越低杠杆越低 | — | 0.96× |
8季度趋势，按日历期对齐
现金及短期投资NPBRMAX
| Q1 26 | $487.6M | — | ||
| Q4 25 | $496.5M | $118.7M | ||
| Q3 25 | $419.2M | $107.5M | ||
| Q2 25 | $415.7M | $94.3M | ||
| Q1 25 | $321.5M | $89.1M | ||
| Q4 24 | — | $96.6M | ||
| Q3 24 | — | $83.8M | ||
| Q2 24 | — | $66.1M |
总债务NPBRMAX
| Q1 26 | — | — | ||
| Q4 25 | — | $432.2M | ||
| Q3 25 | — | $433.3M | ||
| Q2 25 | — | $434.4M | ||
| Q1 25 | — | $435.3M | ||
| Q4 24 | — | $436.2M | ||
| Q3 24 | — | $437.2M | ||
| Q2 24 | — | $438.1M |
股东权益NPBRMAX
| Q1 26 | $590.0M | — | ||
| Q4 25 | $569.0M | $452.4M | ||
| Q3 25 | $623.5M | $448.1M | ||
| Q2 25 | $604.3M | $442.4M | ||
| Q1 25 | $586.5M | $433.5M | ||
| Q4 24 | — | $429.5M | ||
| Q3 24 | — | $423.1M | ||
| Q2 24 | — | $418.4M |
总资产NPBRMAX
| Q1 26 | $7.4B | — | ||
| Q4 25 | $7.0B | $582.5M | ||
| Q3 25 | $6.8B | $582.2M | ||
| Q2 25 | $6.4B | $574.8M | ||
| Q1 25 | $5.9B | $571.4M | ||
| Q4 24 | — | $581.6M | ||
| Q3 24 | — | $578.6M | ||
| Q2 24 | — | $571.4M |
负债/权益比NPBRMAX
| Q1 26 | — | — | ||
| Q4 25 | — | 0.96× | ||
| Q3 25 | — | 0.97× | ||
| Q2 25 | — | 0.98× | ||
| Q1 25 | — | 1.00× | ||
| Q4 24 | — | 1.02× | ||
| Q3 24 | — | 1.03× | ||
| Q2 24 | — | 1.05× |
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 | — | $40.9M |
| 自由现金流经营现金流 - 资本支出 | — | $33.5M |
| 自由现金流率自由现金流/营收 | — | 47.1% |
| 资本支出强度资本支出/营收 | — | 10.4% |
| 现金转化率经营现金流/净利润 | — | 28.39× |
| 过去12个月自由现金流最近4个季度 | — | $56.8M |
8季度趋势，按日历期对齐
经营现金流NPBRMAX
| Q1 26 | — | — | ||
| Q4 25 | $-28.3M | $40.9M | ||
| Q3 25 | $90.4M | $17.7M | ||
| Q2 25 | $-72.3M | $4.6M | ||
| Q1 25 | $54.4M | $5.7M | ||
| Q4 24 | — | $59.7M | ||
| Q3 24 | — | $17.6M | ||
| Q2 24 | — | $15.9M |
自由现金流NPBRMAX
| Q1 26 | — | — | ||
| Q4 25 | $-28.8M | $33.5M | ||
| Q3 25 | $89.6M | $16.4M | ||
| Q2 25 | $-73.4M | $2.9M | ||
| Q1 25 | $54.1M | $4.0M | ||
| Q4 24 | — | $53.0M | ||
| Q3 24 | — | $16.3M | ||
| Q2 24 | — | $14.0M |
自由现金流率NPBRMAX
| Q1 26 | — | — | ||
| Q4 25 | -66.1% | 47.1% | ||
| Q3 25 | 222.3% | 22.4% | ||
| Q2 25 | -201.1% | 4.0% | ||
| Q1 25 | 178.0% | 5.3% | ||
| Q4 24 | — | 73.2% | ||
| Q3 24 | — | 20.8% | ||
| Q2 24 | — | 17.8% |
资本支出强度NPBRMAX
| Q1 26 | — | — | ||
| Q4 25 | 1.2% | 10.4% | ||
| Q3 25 | 2.0% | 1.8% | ||
| Q2 25 | 3.1% | 2.2% | ||
| Q1 25 | 1.1% | 2.3% | ||
| Q4 24 | — | 9.1% | ||
| Q3 24 | — | 1.7% | ||
| Q2 24 | — | 2.4% |
现金转化率NPBRMAX
| Q1 26 | — | — | ||
| Q4 25 | -1.20× | 28.39× | ||
| Q3 25 | 4.08× | 4.45× | ||
| Q2 25 | -3.55× | 0.97× | ||
| Q1 25 | 3.16× | — | ||
| Q4 24 | — | 10.28× | ||
| Q3 24 | — | 18.22× | ||
| Q2 24 | — | 4.29× |
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% |
RMAX
| Franchising Segment | $50.1M | 70% |
| Broker Fees | $13.9M | 20% |
| Annual Dues | $7.4M | 10% |
