vs
NORTHRIM BANCORP INC（NRIM）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NORTHRIM BANCORP INC的1.3倍（$78.6M vs $61.2M），NORTHRIM BANCORP INC同比增速更快（11.6% vs 0.4%），NORTHRIM BANCORP INC自由现金流更多（$133.9M vs $23.2M），过去两年NORTHRIM BANCORP INC的营收复合增速更高（18.4% vs -1.3%）
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。
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。
NRIM vs RPAY — 直观对比
营收规模更大
RPAY
是对方的1.3倍
$61.2M
营收增速更快
NRIM
高出11.2%
0.4%
自由现金流更多
NRIM
多$110.6M
$23.2M
两年增速更快
NRIM
近两年复合增速
-1.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $61.2M | $78.6M |
| 净利润 | — | $-140.1M |
| 毛利率 | 79.9% | 74.2% |
| 营业利润率 | 27.2% | -182.2% |
| 净利率 | — | -178.3% |
| 营收同比 | 11.6% | 0.4% |
| 净利润同比 | — | -3304.1% |
| 每股收益（稀释后） | $-2.80 | $-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NRIMRPAY
| Q4 25 | $61.2M | $78.6M | ||
| Q3 25 | $77.2M | $77.7M | ||
| Q2 25 | $61.4M | $75.6M | ||
| Q1 25 | $55.8M | $77.3M | ||
| Q4 24 | $54.8M | $78.3M | ||
| Q3 24 | $51.0M | $79.1M | ||
| Q2 24 | $46.5M | $74.9M | ||
| Q1 24 | $43.7M | $80.7M |
净利润NRIMRPAY
| Q4 25 | — | $-140.1M | ||
| Q3 25 | $27.1M | $-6.4M | ||
| Q2 25 | $11.8M | $-102.3M | ||
| Q1 25 | $13.3M | $-7.9M | ||
| Q4 24 | — | $-4.1M | ||
| Q3 24 | $8.8M | $3.2M | ||
| Q2 24 | $9.0M | $-4.1M | ||
| Q1 24 | $8.2M | $-5.2M |
毛利率NRIMRPAY
| Q4 25 | 79.9% | 74.2% | ||
| Q3 25 | 84.0% | 74.4% | ||
| Q2 25 | 78.5% | 75.7% | ||
| Q1 25 | 84.1% | 75.9% | ||
| Q4 24 | 77.8% | 76.3% | ||
| Q3 24 | 75.2% | 77.8% | ||
| Q2 24 | 79.1% | 78.2% | ||
| Q1 24 | 78.2% | 76.2% |
营业利润率NRIMRPAY
| Q4 25 | 27.2% | -182.2% | ||
| Q3 25 | 44.8% | -3.9% | ||
| Q2 25 | 25.7% | -138.7% | ||
| Q1 25 | 31.5% | -4.7% | ||
| Q4 24 | 24.3% | -1.5% | ||
| Q3 24 | 22.8% | -0.9% | ||
| Q2 24 | 24.9% | -4.6% | ||
| Q1 24 | 24.1% | -3.1% |
净利率NRIMRPAY
| Q4 25 | — | -178.3% | ||
| Q3 25 | 35.1% | -8.3% | ||
| Q2 25 | 19.2% | -135.2% | ||
| Q1 25 | 23.9% | -10.3% | ||
| Q4 24 | — | -5.3% | ||
| Q3 24 | 17.3% | 4.1% | ||
| Q2 24 | 19.4% | -5.4% | ||
| Q1 24 | 18.8% | -6.5% |
每股收益（稀释后）NRIMRPAY
| Q4 25 | $-2.80 | $-1.68 | ||
| Q3 25 | $1.20 | $-0.08 | ||
| Q2 25 | $2.09 | $-1.15 | ||
| Q1 25 | $2.38 | $-0.09 | ||
| Q4 24 | $-1.83 | $-0.04 | ||
| Q3 24 | $0.39 | $0.03 | ||
| Q2 24 | $1.62 | $-0.04 | ||
| Q1 24 | $1.48 | $-0.06 |
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 | — | $115.7M |
| 总债务越低越好 | $12.8M | $280.1M |
| 股东权益账面价值 | $326.5M | $484.4M |
| 总资产 | $3.3B | $1.2B |
| 负债/权益比越低杠杆越低 | 0.04× | 0.58× |
8季度趋势，按日历期对齐
现金及短期投资NRIMRPAY
| Q4 25 | — | $115.7M | ||
| Q3 25 | — | $95.7M | ||
| Q2 25 | — | $162.6M | ||
| Q1 25 | — | $165.5M | ||
| Q4 24 | — | $189.5M | ||
| Q3 24 | — | $168.7M | ||
| Q2 24 | — | $147.1M | ||
| Q1 24 | — | $128.3M |
总债务NRIMRPAY
| Q4 25 | $12.8M | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | $23.0M | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M | ||
| Q1 24 | — | $434.9M |
股东权益NRIMRPAY
| Q4 25 | $326.5M | $484.4M | ||
| Q3 25 | $315.7M | $616.9M | ||
| Q2 25 | $290.2M | $633.7M | ||
| Q1 25 | $279.8M | $755.7M | ||
| Q4 24 | $267.1M | $761.3M | ||
| Q3 24 | $260.1M | $754.7M | ||
| Q2 24 | $247.2M | $815.4M | ||
| Q1 24 | $239.3M | $813.8M |
总资产NRIMRPAY
| Q4 25 | $3.3B | $1.2B | ||
| Q3 25 | $3.3B | $1.3B | ||
| Q2 25 | $3.2B | $1.4B | ||
| Q1 25 | $3.1B | $1.5B | ||
| Q4 24 | $3.0B | $1.6B | ||
| Q3 24 | $3.0B | $1.6B | ||
| Q2 24 | $2.8B | $1.5B | ||
| Q1 24 | $2.8B | $1.5B |
负债/权益比NRIMRPAY
| Q4 25 | 0.04× | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | 0.09× | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× | ||
| Q1 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 | $139.3M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $133.9M | $23.2M |
| 自由现金流率自由现金流/营收 | 218.9% | 29.6% |
| 资本支出强度资本支出/营收 | 8.9% | 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 | $235.4M | $90.7M |
8季度趋势，按日历期对齐
经营现金流NRIMRPAY
| Q4 25 | $139.3M | $23.3M | ||
| Q3 25 | $92.7M | $32.2M | ||
| Q2 25 | $-4.4M | $33.1M | ||
| Q1 25 | $16.5M | $2.5M | ||
| Q4 24 | $-8.7M | $34.3M | ||
| Q3 24 | $-201.0K | $60.1M | ||
| Q2 24 | $-38.5M | $31.0M | ||
| Q1 24 | $-5.5M | $24.8M |
自由现金流NRIMRPAY
| Q4 25 | $133.9M | $23.2M | ||
| Q3 25 | $89.9M | $32.1M | ||
| Q2 25 | $-4.7M | $33.0M | ||
| Q1 25 | $16.3M | $2.4M | ||
| Q4 24 | $-9.3M | $34.0M | ||
| Q3 24 | $-330.0K | $59.8M | ||
| Q2 24 | $-39.4M | $30.5M | ||
| Q1 24 | $-6.6M | $24.7M |
自由现金流率NRIMRPAY
| Q4 25 | 218.9% | 29.6% | ||
| Q3 25 | 116.5% | 41.3% | ||
| Q2 25 | -7.7% | 43.6% | ||
| Q1 25 | 29.3% | 3.0% | ||
| Q4 24 | -17.1% | 43.5% | ||
| Q3 24 | -0.6% | 75.6% | ||
| Q2 24 | -84.7% | 40.7% | ||
| Q1 24 | -15.1% | 30.6% |
资本支出强度NRIMRPAY
| Q4 25 | 8.9% | 0.1% | ||
| Q3 25 | 3.5% | 0.2% | ||
| Q2 25 | 0.5% | 0.1% | ||
| Q1 25 | 0.4% | 0.2% | ||
| Q4 24 | 1.1% | 0.3% | ||
| Q3 24 | 0.3% | 0.3% | ||
| Q2 24 | 1.9% | 0.6% | ||
| Q1 24 | 2.4% | 0.1% |
现金转化率NRIMRPAY
| Q4 25 | — | — | ||
| Q3 25 | 3.42× | — | ||
| Q2 25 | -0.37× | — | ||
| Q1 25 | 1.24× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | -0.02× | 18.52× | ||
| Q2 24 | -4.27× | — | ||
| 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% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
