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NETSOL TECHNOLOGIES INC（NTWK）与RBB Bancorp（RBB）财务数据对比。点击上方公司名可切换其他公司
RBB Bancorp的季度营收约是NETSOL TECHNOLOGIES INC的1.7倍（$32.3M vs $18.8M），RBB Bancorp净利率更高（31.5% vs 1.3%，领先30.2%），NETSOL TECHNOLOGIES INC同比增速更快（21.1% vs 12.6%），RBB Bancorp自由现金流更多（$42.6M vs $-5.1M），过去两年NETSOL TECHNOLOGIES INC的营收复合增速更高（10.3% vs 7.0%）
NETSOL科技公司是一家总部位于加利福尼亚州恩西诺的美国软件企业，核心业务为开发汽车租赁领域相关软件产品，为汽车租赁行业提供专业的数字化技术支持。
RBB银行控股公司是总部位于美国的金融控股集团，旗下核心主体为皇家商业银行，主要服务亚裔社群、中小微企业、不动产投资者及零售客户，提供商业信贷、储蓄存款、财富管理等多元金融服务，业务覆盖美国沿海核心都会区。
NTWK vs RBB — 直观对比
营收规模更大
RBB
是对方的1.7倍
$18.8M
营收增速更快
NTWK
高出8.5%
12.6%
净利率更高
RBB
高出30.2%
1.3%
自由现金流更多
RBB
多$47.7M
$-5.1M
两年增速更快
NTWK
近两年复合增速
7.0%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $18.8M | $32.3M |
| 净利润 | $246.8K | $10.2M |
| 毛利率 | 48.0% | — |
| 营业利润率 | 6.9% | 39.5% |
| 净利率 | 1.3% | 31.5% |
| 营收同比 | 21.1% | 12.6% |
| 净利润同比 | 121.5% | 132.1% |
| 每股收益（稀释后） | $0.02 | $0.59 |
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NTWKRBB
| Q4 25 | $18.8M | $32.3M | ||
| Q3 25 | $15.0M | $32.6M | ||
| Q2 25 | $18.4M | $35.8M | ||
| Q1 25 | $17.5M | $28.5M | ||
| Q4 24 | $15.5M | $28.7M | ||
| Q3 24 | $14.6M | $30.3M | ||
| Q2 24 | $16.4M | $27.5M | ||
| Q1 24 | $15.5M | $28.2M |
净利润NTWKRBB
| Q4 25 | $246.8K | $10.2M | ||
| Q3 25 | $-2.4M | $10.1M | ||
| Q2 25 | $2.6M | $9.3M | ||
| Q1 25 | $1.4M | $2.3M | ||
| Q4 24 | $-1.1M | $4.4M | ||
| Q3 24 | $70.8K | $7.0M | ||
| Q2 24 | $-82.9K | $7.2M | ||
| Q1 24 | $327.5K | $8.0M |
毛利率NTWKRBB
| Q4 25 | 48.0% | — | ||
| Q3 25 | 39.4% | — | ||
| Q2 25 | 56.2% | — | ||
| Q1 25 | 49.8% | — | ||
| Q4 24 | 44.5% | — | ||
| Q3 24 | 45.0% | — | ||
| Q2 24 | 51.5% | — | ||
| Q1 24 | 48.3% | — |
营业利润率NTWKRBB
| Q4 25 | 6.9% | 39.5% | ||
| Q3 25 | -12.2% | 40.7% | ||
| Q2 25 | 17.4% | 36.1% | ||
| Q1 25 | 8.9% | 11.2% | ||
| Q4 24 | -3.1% | 17.6% | ||
| Q3 24 | -5.2% | 31.6% | ||
| Q2 24 | 4.9% | 35.6% | ||
| Q1 24 | 8.5% | 39.9% |
净利率NTWKRBB
| Q4 25 | 1.3% | 31.5% | ||
| Q3 25 | -15.7% | 31.2% | ||
| Q2 25 | 14.0% | 26.1% | ||
| Q1 25 | 8.1% | 8.0% | ||
| Q4 24 | -7.4% | 15.3% | ||
| Q3 24 | 0.5% | 23.1% | ||
| Q2 24 | -0.5% | 26.4% | ||
| Q1 24 | 2.1% | 28.4% |
每股收益（稀释后）NTWKRBB
| Q4 25 | $0.02 | $0.59 | ||
| Q3 25 | $-0.20 | $0.59 | ||
| Q2 25 | $0.22 | $0.52 | ||
| Q1 25 | $0.12 | $0.13 | ||
| Q4 24 | $-0.10 | $0.26 | ||
| Q3 24 | $0.01 | $0.39 | ||
| Q2 24 | $-0.01 | $0.39 | ||
| Q1 24 | $0.03 | $0.43 |
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 | $18.1M | $212.3M |
| 总债务越低越好 | $337.0K | $119.9M |
| 股东权益账面价值 | $35.9M | $523.4M |
| 总资产 | $62.7M | $4.2B |
| 负债/权益比越低杠杆越低 | 0.01× | 0.23× |
8季度趋势，按日历期对齐
现金及短期投资NTWKRBB
| Q4 25 | $18.1M | $212.3M | ||
| Q3 25 | $22.7M | $234.9M | ||
| Q2 25 | $17.4M | $191.9M | ||
| Q1 25 | $18.8M | $238.8M | ||
| Q4 24 | $21.3M | $257.7M | ||
| Q3 24 | $24.5M | $349.4M | ||
| Q2 24 | $19.1M | $252.8M | ||
| Q1 24 | $12.3M | — |
总债务NTWKRBB
| Q4 25 | $337.0K | $119.9M | ||
| Q3 25 | $218.2K | $119.8M | ||
| Q2 25 | $134.6K | $119.7M | ||
| Q1 25 | $86.8K | $119.6M | ||
| Q4 24 | $87.0K | $119.5M | ||
| Q3 24 | $92.6K | $119.4M | ||
| Q2 24 | $95.8K | $119.3M | ||
| Q1 24 | $130.4K | $119.2M |
股东权益NTWKRBB
| Q4 25 | $35.9M | $523.4M | ||
| Q3 25 | $35.8M | $514.3M | ||
| Q2 25 | $37.8M | $517.7M | ||
| Q1 25 | $35.5M | $510.3M | ||
| Q4 24 | $33.9M | $507.9M | ||
| Q3 24 | $34.7M | $509.7M | ||
| Q2 24 | $34.8M | $511.3M | ||
| Q1 24 | $35.3M | $514.0M |
总资产NTWKRBB
| Q4 25 | $62.7M | $4.2B | ||
| Q3 25 | $62.6M | $4.2B | ||
| Q2 25 | $62.4M | $4.1B | ||
| Q1 25 | $58.1M | $4.0B | ||
| Q4 24 | $59.1M | $4.0B | ||
| Q3 24 | $62.8M | $4.0B | ||
| Q2 24 | $64.2M | $3.9B | ||
| Q1 24 | $63.3M | $3.9B |
负债/权益比NTWKRBB
| Q4 25 | 0.01× | 0.23× | ||
| Q3 25 | 0.01× | 0.23× | ||
| Q2 25 | 0.00× | 0.23× | ||
| Q1 25 | 0.00× | 0.23× | ||
| Q4 24 | 0.00× | 0.24× | ||
| Q3 24 | 0.00× | 0.23× | ||
| Q2 24 | 0.00× | 0.23× | ||
| Q1 24 | 0.00× | 0.23× |
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 | $-4.7M | $43.4M |
| 自由现金流经营现金流 - 资本支出 | $-5.1M | $42.6M |
| 自由现金流率自由现金流/营收 | -27.2% | 131.8% |
| 资本支出强度资本支出/营收 | 2.0% | 2.5% |
| 现金转化率经营现金流/净利润 | -19.24× | 4.26× |
| 过去12个月自由现金流最近4个季度 | $-1.0M | $73.5M |
8季度趋势，按日历期对齐
经营现金流NTWKRBB
| Q4 25 | $-4.7M | $43.4M | ||
| Q3 25 | $5.3M | $2.1M | ||
| Q2 25 | $441.0K | $21.7M | ||
| Q1 25 | $-363.4K | $7.8M | ||
| Q4 24 | $-5.1M | $58.5M | ||
| Q3 24 | $5.5M | $24.5M | ||
| Q2 24 | $6.5M | $11.7M | ||
| Q1 24 | $-4.2M | $4.8M |
自由现金流NTWKRBB
| Q4 25 | $-5.1M | $42.6M | ||
| Q3 25 | $4.8M | $1.8M | ||
| Q2 25 | $-44.1K | $21.6M | ||
| Q1 25 | $-693.0K | $7.6M | ||
| Q4 24 | $-5.6M | $57.7M | ||
| Q3 24 | $5.4M | $24.2M | ||
| Q2 24 | $6.1M | $11.5M | ||
| Q1 24 | $-4.6M | $4.7M |
自由现金流率NTWKRBB
| Q4 25 | -27.2% | 131.8% | ||
| Q3 25 | 32.1% | 5.4% | ||
| Q2 25 | -0.2% | 60.2% | ||
| Q1 25 | -4.0% | 26.7% | ||
| Q4 24 | -36.1% | 201.0% | ||
| Q3 24 | 37.1% | 80.0% | ||
| Q2 24 | 37.0% | 42.0% | ||
| Q1 24 | -29.6% | 16.6% |
资本支出强度NTWKRBB
| Q4 25 | 2.0% | 2.5% | ||
| Q3 25 | 3.2% | 1.1% | ||
| Q2 25 | 2.6% | 0.3% | ||
| Q1 25 | 1.9% | 0.6% | ||
| Q4 24 | 3.0% | 2.7% | ||
| Q3 24 | 0.7% | 0.8% | ||
| Q2 24 | 2.6% | 0.5% | ||
| Q1 24 | 2.4% | 0.5% |
现金转化率NTWKRBB
| Q4 25 | -19.24× | 4.26× | ||
| Q3 25 | — | 0.21× | ||
| Q2 25 | 0.17× | 2.32× | ||
| Q1 25 | -0.26× | 3.39× | ||
| Q4 24 | — | 13.34× | ||
| Q3 24 | 77.94× | 3.50× | ||
| Q2 24 | — | 1.61× | ||
| Q1 24 | -12.84× | 0.60× |
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
NTWK
| Core Revenue | $18.0M | 96% |
| Other | $816.8K | 4% |
RBB
暂无分部数据
