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Orange County Bancorp, Inc.（OBT）与RBB Bancorp（RBB）财务数据对比。点击上方公司名可切换其他公司
Orange County Bancorp, Inc.的季度营收约是RBB Bancorp的1.0倍（$33.0M vs $32.3M），Orange County Bancorp, Inc.净利率更高（37.6% vs 31.5%，领先6.1%），Orange County Bancorp, Inc.同比增速更快（20.6% vs 12.6%），RBB Bancorp自由现金流更多（$42.6M vs $41.3M），过去两年Orange County Bancorp, Inc.的营收复合增速更高（14.3% vs 7.0%）
奥兰治县银行控股公司注册于美国特拉华州，主要在纽约州开展业务，为个人消费者、小微企业及中型企业客户提供全面的零售与商业银行服务，涵盖存款账户、各类贷款、财富管理解决方案等金融产品。
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。
OBT vs RBB — 直观对比
营收规模更大
OBT
是对方的1.0倍
$32.3M
营收增速更快
OBT
高出8.0%
12.6%
净利率更高
OBT
高出6.1%
31.5%
自由现金流更多
RBB
多$1.3M
$41.3M
两年增速更快
OBT
近两年复合增速
7.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $33.0M | $32.3M |
| 净利润 | $12.4M | $10.2M |
| 毛利率 | — | — |
| 营业利润率 | 41.4% | 39.5% |
| 净利率 | 37.6% | 31.5% |
| 营收同比 | 20.6% | 12.6% |
| 净利润同比 | 73.5% | 132.1% |
| 每股收益（稀释后） | $0.94 | $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OBTRBB
| Q4 25 | $33.0M | $32.3M | ||
| Q3 25 | $33.7M | $32.6M | ||
| Q2 25 | $32.5M | $35.8M | ||
| Q1 25 | $28.0M | $28.5M | ||
| Q4 24 | $27.4M | $28.7M | ||
| Q3 24 | $27.1M | $30.3M | ||
| Q2 24 | $27.9M | $27.5M | ||
| Q1 24 | $25.3M | $28.2M |
净利润OBTRBB
| Q4 25 | $12.4M | $10.2M | ||
| Q3 25 | $10.0M | $10.1M | ||
| Q2 25 | $10.5M | $9.3M | ||
| Q1 25 | $8.7M | $2.3M | ||
| Q4 24 | $7.2M | $4.4M | ||
| Q3 24 | $3.2M | $7.0M | ||
| Q2 24 | $8.2M | $7.2M | ||
| Q1 24 | $9.3M | $8.0M |
营业利润率OBTRBB
| Q4 25 | 41.4% | 39.5% | ||
| Q3 25 | 38.6% | 40.7% | ||
| Q2 25 | 41.9% | 36.1% | ||
| Q1 25 | 40.3% | 11.2% | ||
| Q4 24 | 32.8% | 17.6% | ||
| Q3 24 | 14.8% | 31.6% | ||
| Q2 24 | 36.6% | 35.6% | ||
| Q1 24 | 45.9% | 39.9% |
净利率OBTRBB
| Q4 25 | 37.6% | 31.5% | ||
| Q3 25 | 29.7% | 31.2% | ||
| Q2 25 | 32.2% | 26.1% | ||
| Q1 25 | 31.1% | 8.0% | ||
| Q4 24 | 26.2% | 15.3% | ||
| Q3 24 | 11.8% | 23.1% | ||
| Q2 24 | 29.4% | 26.4% | ||
| Q1 24 | 36.7% | 28.4% |
每股收益（稀释后）OBTRBB
| Q4 25 | $0.94 | $0.59 | ||
| Q3 25 | $0.75 | $0.59 | ||
| Q2 25 | $0.87 | $0.52 | ||
| Q1 25 | $0.77 | $0.13 | ||
| Q4 24 | $0.64 | $0.26 | ||
| Q3 24 | $0.28 | $0.39 | ||
| Q2 24 | $0.73 | $0.39 | ||
| Q1 24 | $0.82 | $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 | — | $212.3M |
| 总债务越低越好 | — | $119.9M |
| 股东权益账面价值 | $284.4M | $523.4M |
| 总资产 | $2.7B | $4.2B |
| 负债/权益比越低杠杆越低 | — | 0.23× |
8季度趋势，按日历期对齐
现金及短期投资OBTRBB
| Q4 25 | — | $212.3M | ||
| Q3 25 | — | $234.9M | ||
| Q2 25 | — | $191.9M | ||
| Q1 25 | — | $238.8M | ||
| Q4 24 | — | $257.7M | ||
| Q3 24 | — | $349.4M | ||
| Q2 24 | — | $252.8M | ||
| Q1 24 | — | — |
总债务OBTRBB
| Q4 25 | — | $119.9M | ||
| Q3 25 | — | $119.8M | ||
| Q2 25 | — | $119.7M | ||
| Q1 25 | — | $119.6M | ||
| Q4 24 | — | $119.5M | ||
| Q3 24 | — | $119.4M | ||
| Q2 24 | — | $119.3M | ||
| Q1 24 | — | $119.2M |
股东权益OBTRBB
| Q4 25 | $284.4M | $523.4M | ||
| Q3 25 | $270.1M | $514.3M | ||
| Q2 25 | $252.6M | $517.7M | ||
| Q1 25 | $201.3M | $510.3M | ||
| Q4 24 | $185.5M | $507.9M | ||
| Q3 24 | $193.1M | $509.7M | ||
| Q2 24 | $177.5M | $511.3M | ||
| Q1 24 | $168.7M | $514.0M |
总资产OBTRBB
| Q4 25 | $2.7B | $4.2B | ||
| Q3 25 | $2.6B | $4.2B | ||
| Q2 25 | $2.6B | $4.1B | ||
| Q1 25 | $2.6B | $4.0B | ||
| Q4 24 | $2.5B | $4.0B | ||
| Q3 24 | $2.5B | $4.0B | ||
| Q2 24 | $2.5B | $3.9B | ||
| Q1 24 | $2.5B | $3.9B |
负债/权益比OBTRBB
| Q4 25 | — | 0.23× | ||
| Q3 25 | — | 0.23× | ||
| Q2 25 | — | 0.23× | ||
| Q1 25 | — | 0.23× | ||
| Q4 24 | — | 0.24× | ||
| Q3 24 | — | 0.23× | ||
| Q2 24 | — | 0.23× | ||
| Q1 24 | — | 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 | $43.8M | $43.4M |
| 自由现金流经营现金流 - 资本支出 | $41.3M | $42.6M |
| 自由现金流率自由现金流/营收 | 125.1% | 131.8% |
| 资本支出强度资本支出/营收 | 7.6% | 2.5% |
| 现金转化率经营现金流/净利润 | 3.53× | 4.26× |
| 过去12个月自由现金流最近4个季度 | $69.6M | $73.5M |
8季度趋势，按日历期对齐
经营现金流OBTRBB
| Q4 25 | $43.8M | $43.4M | ||
| Q3 25 | $30.2M | $2.1M | ||
| Q2 25 | $-5.0M | $21.7M | ||
| Q1 25 | $4.8M | $7.8M | ||
| Q4 24 | $34.6M | $58.5M | ||
| Q3 24 | $10.2M | $24.5M | ||
| Q2 24 | $9.3M | $11.7M | ||
| Q1 24 | $2.3M | $4.8M |
自由现金流OBTRBB
| Q4 25 | $41.3M | $42.6M | ||
| Q3 25 | $29.6M | $1.8M | ||
| Q2 25 | $-5.7M | $21.6M | ||
| Q1 25 | $4.3M | $7.6M | ||
| Q4 24 | $32.9M | $57.7M | ||
| Q3 24 | $10.0M | $24.2M | ||
| Q2 24 | $9.2M | $11.5M | ||
| Q1 24 | $2.0M | $4.7M |
自由现金流率OBTRBB
| Q4 25 | 125.1% | 131.8% | ||
| Q3 25 | 87.8% | 5.4% | ||
| Q2 25 | -17.5% | 60.2% | ||
| Q1 25 | 15.5% | 26.7% | ||
| Q4 24 | 120.0% | 201.0% | ||
| Q3 24 | 36.7% | 80.0% | ||
| Q2 24 | 32.8% | 42.0% | ||
| Q1 24 | 7.9% | 16.6% |
资本支出强度OBTRBB
| Q4 25 | 7.6% | 2.5% | ||
| Q3 25 | 1.8% | 1.1% | ||
| Q2 25 | 2.3% | 0.3% | ||
| Q1 25 | 1.8% | 0.6% | ||
| Q4 24 | 6.3% | 2.7% | ||
| Q3 24 | 1.1% | 0.8% | ||
| Q2 24 | 0.4% | 0.5% | ||
| Q1 24 | 1.0% | 0.5% |
现金转化率OBTRBB
| Q4 25 | 3.53× | 4.26× | ||
| Q3 25 | 3.01× | 0.21× | ||
| Q2 25 | -0.47× | 2.32× | ||
| Q1 25 | 0.56× | 3.39× | ||
| Q4 24 | 4.83× | 13.34× | ||
| Q3 24 | 3.19× | 3.50× | ||
| Q2 24 | 1.13× | 1.61× | ||
| Q1 24 | 0.24× | 0.60× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
