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Origin Bancorp, Inc.（OBK）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
Origin Bancorp, Inc.的季度营收约是Repay Holdings Corp的1.3倍（$104.0M vs $78.6M），Origin Bancorp, Inc.净利率更高（26.6% vs -178.3%，领先204.9%），过去两年Origin Bancorp, Inc.的营收复合增速更高（3.9% vs -1.3%）
Origin Bancorp旗下的南方银行是一家社区发展金融机构，总部位于阿肯色州阿卡德尔菲亚。该机构成立于1986年，最初名为南方开发银行公司，常被简称为“南方”，专注服务社区发展相关金融需求。
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。
OBK vs RPAY — 直观对比
营收规模更大
OBK
是对方的1.3倍
$78.6M
净利率更高
OBK
高出204.9%
-178.3%
两年增速更快
OBK
近两年复合增速
-1.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $104.0M | $78.6M |
| 净利润 | $27.7M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | — | -182.2% |
| 净利率 | 26.6% | -178.3% |
| 营收同比 | — | 0.4% |
| 净利润同比 | — | -3304.1% |
| 每股收益（稀释后） | $0.89 | $-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OBKRPAY
| Q1 26 | $104.0M | — | ||
| Q4 25 | $103.4M | $78.6M | ||
| Q3 25 | $109.8M | $77.7M | ||
| Q2 25 | $83.5M | $75.6M | ||
| Q1 25 | $94.1M | $77.3M | ||
| Q4 24 | $78.3M | $78.3M | ||
| Q3 24 | $90.8M | $79.1M | ||
| Q2 24 | $96.4M | $74.9M |
净利润OBKRPAY
| Q1 26 | $27.7M | — | ||
| Q4 25 | $29.5M | $-140.1M | ||
| Q3 25 | $8.6M | $-6.4M | ||
| Q2 25 | $14.6M | $-102.3M | ||
| Q1 25 | $22.4M | $-7.9M | ||
| Q4 24 | $14.3M | $-4.1M | ||
| Q3 24 | $18.6M | $3.2M | ||
| Q2 24 | $21.0M | $-4.1M |
毛利率OBKRPAY
| 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OBKRPAY
| Q1 26 | — | — | ||
| Q4 25 | 36.2% | -182.2% | ||
| Q3 25 | 10.0% | -3.9% | ||
| Q2 25 | 22.3% | -138.7% | ||
| Q1 25 | 30.4% | -4.7% | ||
| Q4 24 | 23.0% | -1.5% | ||
| Q3 24 | 26.1% | -0.9% | ||
| Q2 24 | 27.7% | -4.6% |
净利率OBKRPAY
| Q1 26 | 26.6% | — | ||
| Q4 25 | 28.5% | -178.3% | ||
| Q3 25 | 7.9% | -8.3% | ||
| Q2 25 | 17.5% | -135.2% | ||
| Q1 25 | 23.8% | -10.3% | ||
| Q4 24 | 18.2% | -5.3% | ||
| Q3 24 | 20.5% | 4.1% | ||
| Q2 24 | 21.8% | -5.4% |
每股收益（稀释后）OBKRPAY
| Q1 26 | $0.89 | — | ||
| Q4 25 | $0.95 | $-1.68 | ||
| Q3 25 | $0.27 | $-0.08 | ||
| Q2 25 | $0.47 | $-1.15 | ||
| Q1 25 | $0.71 | $-0.09 | ||
| Q4 24 | $0.45 | $-0.04 | ||
| Q3 24 | $0.60 | $0.03 | ||
| Q2 24 | $0.67 | $-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 | — | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $1.3B | $484.4M |
| 总资产 | $10.2B | $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OBKRPAY
| Q1 26 | — | — | ||
| Q4 25 | $424.2M | $115.7M | ||
| Q3 25 | $626.9M | $95.7M | ||
| Q2 25 | $334.1M | $162.6M | ||
| Q1 25 | $486.2M | $165.5M | ||
| Q4 24 | $470.2M | $189.5M | ||
| Q3 24 | $321.2M | $168.7M | ||
| Q2 24 | $288.1M | $147.1M |
总债务OBKRPAY
| 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OBKRPAY
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.2B | $484.4M | ||
| Q3 25 | $1.2B | $616.9M | ||
| Q2 25 | $1.2B | $633.7M | ||
| Q1 25 | $1.2B | $755.7M | ||
| Q4 24 | $1.1B | $761.3M | ||
| Q3 24 | $1.1B | $754.7M | ||
| Q2 24 | $1.1B | $815.4M |
总资产OBKRPAY
| Q1 26 | $10.2B | — | ||
| Q4 25 | $9.7B | $1.2B | ||
| Q3 25 | $9.8B | $1.3B | ||
| Q2 25 | $9.7B | $1.4B | ||
| Q1 25 | $9.8B | $1.5B | ||
| Q4 24 | $9.7B | $1.6B | ||
| Q3 24 | $10.0B | $1.6B | ||
| Q2 24 | $9.9B | $1.5B |
负债/权益比OBKRPAY
| 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OBKRPAY
| Q1 26 | — | — | ||
| Q4 25 | $158.9M | $23.3M | ||
| Q3 25 | $59.3M | $32.2M | ||
| Q2 25 | $20.6M | $33.1M | ||
| Q1 25 | $35.6M | $2.5M | ||
| Q4 24 | $108.5M | $34.3M | ||
| Q3 24 | $39.6M | $60.1M | ||
| Q2 24 | $11.9M | $31.0M |
自由现金流OBKRPAY
| Q1 26 | — | — | ||
| Q4 25 | $151.1M | $23.2M | ||
| Q3 25 | $56.8M | $32.1M | ||
| Q2 25 | $19.6M | $33.0M | ||
| Q1 25 | $34.8M | $2.4M | ||
| Q4 24 | $86.4M | $34.0M | ||
| Q3 24 | $32.2M | $59.8M | ||
| Q2 24 | $6.5M | $30.5M |
自由现金流率OBKRPAY
| Q1 26 | — | — | ||
| Q4 25 | 146.0% | 29.6% | ||
| Q3 25 | 51.7% | 41.3% | ||
| Q2 25 | 23.5% | 43.6% | ||
| Q1 25 | 37.0% | 3.0% | ||
| Q4 24 | 110.3% | 43.5% | ||
| Q3 24 | 35.5% | 75.6% | ||
| Q2 24 | 6.8% | 40.7% |
资本支出强度OBKRPAY
| Q1 26 | — | — | ||
| Q4 25 | 7.6% | 0.1% | ||
| Q3 25 | 2.3% | 0.2% | ||
| Q2 25 | 1.2% | 0.1% | ||
| Q1 25 | 0.8% | 0.2% | ||
| Q4 24 | 28.1% | 0.3% | ||
| Q3 24 | 8.1% | 0.3% | ||
| Q2 24 | 5.6% | 0.6% |
现金转化率OBKRPAY
| Q1 26 | — | — | ||
| Q4 25 | 5.38× | — | ||
| Q3 25 | 6.88× | — | ||
| Q2 25 | 1.41× | — | ||
| Q1 25 | 1.59× | — | ||
| Q4 24 | 7.60× | — | ||
| Q3 24 | 2.13× | 18.52× | ||
| Q2 24 | 0.57× | — |
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
OBK
| Net Interest Income | $87.2M | 84% |
| Noninterest Income | $16.8M | 16% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
