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NORTHPOINTE BANCSHARES INC（NPB）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NORTHPOINTE BANCSHARES INC的1.2倍（$78.6M vs $63.4M），NORTHPOINTE BANCSHARES INC净利率更高（34.9% vs -178.3%，领先213.2%）
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。
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。
NPB vs RPAY — 直观对比
营收规模更大
RPAY
是对方的1.2倍
$63.4M
净利率更高
NPB
高出213.2%
-178.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $63.4M | $78.6M |
| 净利润 | $22.2M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | — | -182.2% |
| 净利率 | 34.9% | -178.3% |
| 营收同比 | — | 0.4% |
| 净利润同比 | — | -3304.1% |
| 每股收益（稀释后） | $0.62 | $-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NPBRPAY
| Q1 26 | $63.4M | — | ||
| Q4 25 | $43.5M | $78.6M | ||
| Q3 25 | $40.3M | $77.7M | ||
| Q2 25 | $36.5M | $75.6M | ||
| Q1 25 | $30.4M | $77.3M | ||
| Q4 24 | — | $78.3M | ||
| Q3 24 | — | $79.1M | ||
| Q2 24 | — | $74.9M |
净利润NPBRPAY
| Q1 26 | $22.2M | — | ||
| Q4 25 | $23.6M | $-140.1M | ||
| Q3 25 | $22.2M | $-6.4M | ||
| Q2 25 | $20.3M | $-102.3M | ||
| Q1 25 | $17.2M | $-7.9M | ||
| Q4 24 | — | $-4.1M | ||
| Q3 24 | — | $3.2M | ||
| Q2 24 | — | $-4.1M |
毛利率NPBRPAY
| 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NPBRPAY
| Q1 26 | — | — | ||
| Q4 25 | 73.5% | -182.2% | ||
| Q3 25 | 72.3% | -3.9% | ||
| Q2 25 | 73.0% | -138.7% | ||
| Q1 25 | 74.4% | -4.7% | ||
| Q4 24 | — | -1.5% | ||
| Q3 24 | — | -0.9% | ||
| Q2 24 | — | -4.6% |
净利率NPBRPAY
| Q1 26 | 34.9% | — | ||
| Q4 25 | 54.4% | -178.3% | ||
| Q3 25 | 55.0% | -8.3% | ||
| Q2 25 | 55.7% | -135.2% | ||
| Q1 25 | 56.8% | -10.3% | ||
| Q4 24 | — | -5.3% | ||
| Q3 24 | — | 4.1% | ||
| Q2 24 | — | -5.4% |
每股收益（稀释后）NPBRPAY
| Q1 26 | $0.62 | — | ||
| Q4 25 | $0.54 | $-1.68 | ||
| Q3 25 | $0.57 | $-0.08 | ||
| Q2 25 | $0.51 | $-1.15 | ||
| Q1 25 | $0.49 | $-0.09 | ||
| Q4 24 | — | $-0.04 | ||
| Q3 24 | — | $0.03 | ||
| Q2 24 | — | $-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 | $487.6M | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $590.0M | $484.4M |
| 总资产 | $7.4B | $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NPBRPAY
| Q1 26 | $487.6M | — | ||
| Q4 25 | $496.5M | $115.7M | ||
| Q3 25 | $419.2M | $95.7M | ||
| Q2 25 | $415.7M | $162.6M | ||
| Q1 25 | $321.5M | $165.5M | ||
| Q4 24 | — | $189.5M | ||
| Q3 24 | — | $168.7M | ||
| Q2 24 | — | $147.1M |
总债务NPBRPAY
| Q1 26 | — | — | ||
| 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NPBRPAY
| Q1 26 | $590.0M | — | ||
| Q4 25 | $569.0M | $484.4M | ||
| Q3 25 | $623.5M | $616.9M | ||
| Q2 25 | $604.3M | $633.7M | ||
| Q1 25 | $586.5M | $755.7M | ||
| Q4 24 | — | $761.3M | ||
| Q3 24 | — | $754.7M | ||
| Q2 24 | — | $815.4M |
总资产NPBRPAY
| Q1 26 | $7.4B | — | ||
| Q4 25 | $7.0B | $1.2B | ||
| Q3 25 | $6.8B | $1.3B | ||
| Q2 25 | $6.4B | $1.4B | ||
| Q1 25 | $5.9B | $1.5B | ||
| Q4 24 | — | $1.6B | ||
| Q3 24 | — | $1.6B | ||
| Q2 24 | — | $1.5B |
负债/权益比NPBRPAY
| Q1 26 | — | — | ||
| 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NPBRPAY
| Q1 26 | — | — | ||
| Q4 25 | $-28.3M | $23.3M | ||
| Q3 25 | $90.4M | $32.2M | ||
| Q2 25 | $-72.3M | $33.1M | ||
| Q1 25 | $54.4M | $2.5M | ||
| Q4 24 | — | $34.3M | ||
| Q3 24 | — | $60.1M | ||
| Q2 24 | — | $31.0M |
自由现金流NPBRPAY
| Q1 26 | — | — | ||
| Q4 25 | $-28.8M | $23.2M | ||
| Q3 25 | $89.6M | $32.1M | ||
| Q2 25 | $-73.4M | $33.0M | ||
| Q1 25 | $54.1M | $2.4M | ||
| Q4 24 | — | $34.0M | ||
| Q3 24 | — | $59.8M | ||
| Q2 24 | — | $30.5M |
自由现金流率NPBRPAY
| Q1 26 | — | — | ||
| Q4 25 | -66.1% | 29.6% | ||
| Q3 25 | 222.3% | 41.3% | ||
| Q2 25 | -201.1% | 43.6% | ||
| Q1 25 | 178.0% | 3.0% | ||
| Q4 24 | — | 43.5% | ||
| Q3 24 | — | 75.6% | ||
| Q2 24 | — | 40.7% |
资本支出强度NPBRPAY
| Q1 26 | — | — | ||
| Q4 25 | 1.2% | 0.1% | ||
| Q3 25 | 2.0% | 0.2% | ||
| Q2 25 | 3.1% | 0.1% | ||
| Q1 25 | 1.1% | 0.2% | ||
| Q4 24 | — | 0.3% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | — | 0.6% |
现金转化率NPBRPAY
| Q1 26 | — | — | ||
| Q4 25 | -1.20× | — | ||
| Q3 25 | 4.08× | — | ||
| Q2 25 | -3.55× | — | ||
| Q1 25 | 3.16× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 18.52× | ||
| 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% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
