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NORTHRIM BANCORP INC（NRIM）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NORTHRIM BANCORP INC的1.2倍（$71.1M vs $61.2M），NORTHRIM BANCORP INC同比增速更快（11.6% vs -1.8%），NORTHRIM BANCORP INC自由现金流更多（$133.9M vs $33.5M），过去两年NORTHRIM BANCORP INC的营收复合增速更高（18.4% vs -4.7%）
Northrim Bancorp Inc是总部位于美国阿拉斯加州的区域银行控股企业，提供商业及个人存贷款、按揭产品、财富管理等多元化金融服务，服务覆盖本地小微企业、个人消费者及企业客户群体。
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。
NRIM vs RMAX — 直观对比
营收规模更大
RMAX
是对方的1.2倍
$61.2M
营收增速更快
NRIM
高出13.4%
-1.8%
自由现金流更多
NRIM
多$100.4M
$33.5M
两年增速更快
NRIM
近两年复合增速
-4.7%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $61.2M | $71.1M |
| 净利润 | — | $1.4M |
| 毛利率 | 79.9% | — |
| 营业利润率 | 27.2% | 13.1% |
| 净利率 | — | 2.0% |
| 营收同比 | 11.6% | -1.8% |
| 净利润同比 | — | -75.2% |
| 每股收益（稀释后） | $-2.80 | — |
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NRIMRMAX
| Q4 25 | $61.2M | $71.1M | ||
| Q3 25 | $77.2M | $73.2M | ||
| Q2 25 | $61.4M | $72.8M | ||
| Q1 25 | $55.8M | $74.5M | ||
| Q4 24 | $54.8M | $72.5M | ||
| Q3 24 | $51.0M | $78.5M | ||
| Q2 24 | $46.5M | $78.5M | ||
| Q1 24 | $43.7M | $78.3M |
净利润NRIMRMAX
| Q4 25 | — | $1.4M | ||
| Q3 25 | $27.1M | $4.0M | ||
| Q2 25 | $11.8M | $4.7M | ||
| Q1 25 | $13.3M | $-2.0M | ||
| Q4 24 | — | $5.8M | ||
| Q3 24 | $8.8M | $966.0K | ||
| Q2 24 | $9.0M | $3.7M | ||
| Q1 24 | $8.2M | $-3.4M |
毛利率NRIMRMAX
| Q4 25 | 79.9% | — | ||
| Q3 25 | 84.0% | — | ||
| Q2 25 | 78.5% | — | ||
| Q1 25 | 84.1% | — | ||
| Q4 24 | 77.8% | — | ||
| Q3 24 | 75.2% | — | ||
| Q2 24 | 79.1% | — | ||
| Q1 24 | 78.2% | — |
营业利润率NRIMRMAX
| Q4 25 | 27.2% | 13.1% | ||
| Q3 25 | 44.8% | 25.0% | ||
| Q2 25 | 25.7% | 19.3% | ||
| Q1 25 | 31.5% | 7.2% | ||
| Q4 24 | 24.3% | 5.9% | ||
| Q3 24 | 22.8% | 19.4% | ||
| Q2 24 | 24.9% | 20.6% | ||
| Q1 24 | 24.1% | 5.8% |
净利率NRIMRMAX
| Q4 25 | — | 2.0% | ||
| Q3 25 | 35.1% | 5.4% | ||
| Q2 25 | 19.2% | 6.4% | ||
| Q1 25 | 23.9% | -2.6% | ||
| Q4 24 | — | 8.0% | ||
| Q3 24 | 17.3% | 1.2% | ||
| Q2 24 | 19.4% | 4.7% | ||
| Q1 24 | 18.8% | -4.3% |
每股收益（稀释后）NRIMRMAX
| Q4 25 | $-2.80 | — | ||
| Q3 25 | $1.20 | — | ||
| Q2 25 | $2.09 | — | ||
| Q1 25 | $2.38 | — | ||
| Q4 24 | $-1.83 | — | ||
| Q3 24 | $0.39 | — | ||
| Q2 24 | $1.62 | — | ||
| Q1 24 | $1.48 | — |
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 | — | $118.7M |
| 总债务越低越好 | $12.8M | $432.2M |
| 股东权益账面价值 | $326.5M | $452.4M |
| 总资产 | $3.3B | $582.5M |
| 负债/权益比越低杠杆越低 | 0.04× | 0.96× |
8季度趋势，按日历期对齐
现金及短期投资NRIMRMAX
| Q4 25 | — | $118.7M | ||
| Q3 25 | — | $107.5M | ||
| Q2 25 | — | $94.3M | ||
| Q1 25 | — | $89.1M | ||
| Q4 24 | — | $96.6M | ||
| Q3 24 | — | $83.8M | ||
| Q2 24 | — | $66.1M | ||
| Q1 24 | — | $82.1M |
总债务NRIMRMAX
| Q4 25 | $12.8M | $432.2M | ||
| Q3 25 | — | $433.3M | ||
| Q2 25 | — | $434.4M | ||
| Q1 25 | — | $435.3M | ||
| Q4 24 | $23.0M | $436.2M | ||
| Q3 24 | — | $437.2M | ||
| Q2 24 | — | $438.1M | ||
| Q1 24 | — | $439.0M |
股东权益NRIMRMAX
| Q4 25 | $326.5M | $452.4M | ||
| Q3 25 | $315.7M | $448.1M | ||
| Q2 25 | $290.2M | $442.4M | ||
| Q1 25 | $279.8M | $433.5M | ||
| Q4 24 | $267.1M | $429.5M | ||
| Q3 24 | $260.1M | $423.1M | ||
| Q2 24 | $247.2M | $418.4M | ||
| Q1 24 | $239.3M | $412.0M |
总资产NRIMRMAX
| Q4 25 | $3.3B | $582.5M | ||
| Q3 25 | $3.3B | $582.2M | ||
| Q2 25 | $3.2B | $574.8M | ||
| Q1 25 | $3.1B | $571.4M | ||
| Q4 24 | $3.0B | $581.6M | ||
| Q3 24 | $3.0B | $578.6M | ||
| Q2 24 | $2.8B | $571.4M | ||
| Q1 24 | $2.8B | $566.7M |
负债/权益比NRIMRMAX
| Q4 25 | 0.04× | 0.96× | ||
| Q3 25 | — | 0.97× | ||
| Q2 25 | — | 0.98× | ||
| Q1 25 | — | 1.00× | ||
| Q4 24 | 0.09× | 1.02× | ||
| Q3 24 | — | 1.03× | ||
| Q2 24 | — | 1.05× | ||
| Q1 24 | — | 1.07× |
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 | $139.3M | $40.9M |
| 自由现金流经营现金流 - 资本支出 | $133.9M | $33.5M |
| 自由现金流率自由现金流/营收 | 218.9% | 47.1% |
| 资本支出强度资本支出/营收 | 8.9% | 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 | $235.4M | $56.8M |
8季度趋势，按日历期对齐
经营现金流NRIMRMAX
| Q4 25 | $139.3M | $40.9M | ||
| Q3 25 | $92.7M | $17.7M | ||
| Q2 25 | $-4.4M | $4.6M | ||
| Q1 25 | $16.5M | $5.7M | ||
| Q4 24 | $-8.7M | $59.7M | ||
| Q3 24 | $-201.0K | $17.6M | ||
| Q2 24 | $-38.5M | $15.9M | ||
| Q1 24 | $-5.5M | $9.4M |
自由现金流NRIMRMAX
| Q4 25 | $133.9M | $33.5M | ||
| Q3 25 | $89.9M | $16.4M | ||
| Q2 25 | $-4.7M | $2.9M | ||
| Q1 25 | $16.3M | $4.0M | ||
| Q4 24 | $-9.3M | $53.0M | ||
| Q3 24 | $-330.0K | $16.3M | ||
| Q2 24 | $-39.4M | $14.0M | ||
| Q1 24 | $-6.6M | $6.8M |
自由现金流率NRIMRMAX
| Q4 25 | 218.9% | 47.1% | ||
| Q3 25 | 116.5% | 22.4% | ||
| Q2 25 | -7.7% | 4.0% | ||
| Q1 25 | 29.3% | 5.3% | ||
| Q4 24 | -17.1% | 73.2% | ||
| Q3 24 | -0.6% | 20.8% | ||
| Q2 24 | -84.7% | 17.8% | ||
| Q1 24 | -15.1% | 8.6% |
资本支出强度NRIMRMAX
| Q4 25 | 8.9% | 10.4% | ||
| Q3 25 | 3.5% | 1.8% | ||
| Q2 25 | 0.5% | 2.2% | ||
| Q1 25 | 0.4% | 2.3% | ||
| Q4 24 | 1.1% | 9.1% | ||
| Q3 24 | 0.3% | 1.7% | ||
| Q2 24 | 1.9% | 2.4% | ||
| Q1 24 | 2.4% | 3.3% |
现金转化率NRIMRMAX
| Q4 25 | — | 28.39× | ||
| Q3 25 | 3.42× | 4.45× | ||
| Q2 25 | -0.37× | 0.97× | ||
| Q1 25 | 1.24× | — | ||
| Q4 24 | — | 10.28× | ||
| Q3 24 | -0.02× | 18.22× | ||
| Q2 24 | -4.27× | 4.29× | ||
| 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
NRIM
| Community Banking Segment | $44.3M | 72% |
| Specialty Finance Segment | $7.4M | 12% |
| Other | $4.7M | 8% |
| Home Mortgage Lending Segment | $3.6M | 6% |
| Credit And Debit Card | $1.2M | 2% |
RMAX
| Franchising Segment | $50.1M | 70% |
| Broker Fees | $13.9M | 20% |
| Annual Dues | $7.4M | 10% |
