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OptimumBank Holdings, Inc.（OPHC）与Rocky Mountain Chocolate Factory, Inc.（RMCF）财务数据对比。点击上方公司名可切换其他公司
OptimumBank Holdings, Inc.的季度营收约是Rocky Mountain Chocolate Factory, Inc.的1.8倍（$13.6M vs $7.5M），OptimumBank Holdings, Inc.净利率更高（35.7% vs -2.1%，领先37.7%），OptimumBank Holdings, Inc.同比增速更快（32.0% vs -4.4%），OptimumBank Holdings, Inc.自由现金流更多（$16.9M vs $-1.3M），过去两年OptimumBank Holdings, Inc.的营收复合增速更高（23.0% vs 1.9%）
OptimumBank Holdings, Inc.是总部位于美国佛罗里达州的银行控股企业，旗下运营社区银行OptimumBank，面向佛罗里达州南部的个人消费者与中小企业，提供存款、各类贷款、财富管理等综合银行服务。
落基山巧克力厂是美国知名巧克力企业，同时开展国际特许经营业务，集糖果生产与零售运营于一体，总部位于美国科罗拉多州杜兰戈，除美国本土门店外，在巴拿马、菲律宾也设有经营网点。
OPHC vs RMCF — 直观对比
营收规模更大
OPHC
是对方的1.8倍
$7.5M
营收增速更快
OPHC
高出36.4%
-4.4%
净利率更高
OPHC
高出37.7%
-2.1%
自由现金流更多
OPHC
多$18.2M
$-1.3M
两年增速更快
OPHC
近两年复合增速
1.9%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $13.6M | $7.5M |
| 净利润 | $4.9M | $-155.0K |
| 毛利率 | — | 34.0% |
| 营业利润率 | 47.5% | 1.1% |
| 净利率 | 35.7% | -2.1% |
| 营收同比 | 32.0% | -4.4% |
| 净利润同比 | 22.9% | 81.7% |
| 每股收益（稀释后） | $-0.08 | $-0.02 |
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OPHCRMCF
| Q4 25 | $13.6M | $7.5M | ||
| Q3 25 | $13.0M | $6.8M | ||
| Q2 25 | $12.1M | $6.4M | ||
| Q1 25 | $10.7M | $8.9M | ||
| Q4 24 | $10.3M | $7.9M | ||
| Q3 24 | $10.1M | $6.4M | ||
| Q2 24 | $9.9M | $6.4M | ||
| Q1 24 | $9.0M | $7.3M |
净利润OPHCRMCF
| Q4 25 | $4.9M | $-155.0K | ||
| Q3 25 | $4.3M | $-662.0K | ||
| Q2 25 | $3.6M | $-324.0K | ||
| Q1 25 | $3.9M | $-2.9M | ||
| Q4 24 | $3.9M | $-847.0K | ||
| Q3 24 | $3.3M | $-722.0K | ||
| Q2 24 | $3.5M | $-1.7M | ||
| Q1 24 | $2.4M | $-1.6M |
毛利率OPHCRMCF
| Q4 25 | — | 34.0% | ||
| Q3 25 | — | 23.6% | ||
| Q2 25 | — | 31.1% | ||
| Q1 25 | — | 10.8% | ||
| Q4 24 | — | 23.4% | ||
| Q3 24 | — | 31.8% | ||
| Q2 24 | — | 12.8% | ||
| Q1 24 | — | 24.3% |
营业利润率OPHCRMCF
| Q4 25 | 47.5% | 1.1% | ||
| Q3 25 | 43.5% | -7.0% | ||
| Q2 25 | 40.2% | -2.3% | ||
| Q1 25 | 48.8% | -30.3% | ||
| Q4 24 | 51.5% | -8.9% | ||
| Q3 24 | 44.0% | -14.3% | ||
| Q2 24 | 46.9% | -25.4% | ||
| Q1 24 | 35.9% | -21.7% |
净利率OPHCRMCF
| Q4 25 | 35.7% | -2.1% | ||
| Q3 25 | 33.2% | -9.7% | ||
| Q2 25 | 29.8% | -5.1% | ||
| Q1 25 | 36.3% | -32.5% | ||
| Q4 24 | 38.3% | -10.7% | ||
| Q3 24 | 32.8% | -11.3% | ||
| Q2 24 | 35.2% | -25.9% | ||
| Q1 24 | 26.4% | -21.9% |
每股收益（稀释后）OPHCRMCF
| Q4 25 | $-0.08 | $-0.02 | ||
| Q3 25 | $0.18 | $-0.09 | ||
| Q2 25 | $0.29 | $-0.04 | ||
| Q1 25 | $0.32 | $-0.38 | ||
| Q4 24 | $-0.17 | $-0.11 | ||
| Q3 24 | $0.15 | $-0.11 | ||
| Q2 24 | $0.34 | $-0.26 | ||
| Q1 24 | $0.31 | $-0.25 |
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 | — | $641.0K |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $121.9M | $6.0M |
| 总资产 | $1.1B | $20.7M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资OPHCRMCF
| Q4 25 | — | $641.0K | ||
| Q3 25 | — | $2.0M | ||
| Q2 25 | — | $893.0K | ||
| Q1 25 | — | $720.0K | ||
| Q4 24 | — | $1.1M | ||
| Q3 24 | — | $973.0K | ||
| Q2 24 | — | $637.0K | ||
| Q1 24 | — | $2.1M |
股东权益OPHCRMCF
| Q4 25 | $121.9M | $6.0M | ||
| Q3 25 | $116.9M | $6.1M | ||
| Q2 25 | $111.3M | $6.7M | ||
| Q1 25 | $108.0M | $7.0M | ||
| Q4 24 | $103.2M | $9.8M | ||
| Q3 24 | $92.7M | $10.5M | ||
| Q2 24 | $87.0M | $9.0M | ||
| Q1 24 | $83.0M | $10.6M |
总资产OPHCRMCF
| Q4 25 | $1.1B | $20.7M | ||
| Q3 25 | $1.1B | $22.3M | ||
| Q2 25 | $999.1M | $20.1M | ||
| Q1 25 | $977.5M | $21.2M | ||
| Q4 24 | $932.9M | $21.6M | ||
| Q3 24 | $945.2M | $21.1M | ||
| Q2 24 | $899.8M | $19.0M | ||
| Q1 24 | $940.6M | $20.6M |
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 | $17.8M | $-1.2M |
| 自由现金流经营现金流 - 资本支出 | $16.9M | $-1.3M |
| 自由现金流率自由现金流/营收 | 124.6% | -16.9% |
| 资本支出强度资本支出/营收 | 6.6% | 0.5% |
| 现金转化率经营现金流/净利润 | 3.68× | — |
| 过去12个月自由现金流最近4个季度 | $27.6M | — |
8季度趋势，按日历期对齐
经营现金流OPHCRMCF
| Q4 25 | $17.8M | $-1.2M | ||
| Q3 25 | $1.9M | $-488.0K | ||
| Q2 25 | $6.2M | $350.0K | ||
| Q1 25 | $3.1M | $1.2M | ||
| Q4 24 | $15.6M | $-2.1M | ||
| Q3 24 | $4.0M | $-3.5M | ||
| Q2 24 | $3.1M | $-2.2M | ||
| Q1 24 | $2.5M | $129.0K |
自由现金流OPHCRMCF
| Q4 25 | $16.9M | $-1.3M | ||
| Q3 25 | $1.9M | $-544.0K | ||
| Q2 25 | $5.9M | $182.0K | ||
| Q1 25 | $2.9M | — | ||
| Q4 24 | $14.6M | — | ||
| Q3 24 | $3.9M | $-4.6M | ||
| Q2 24 | $2.7M | $-2.6M | ||
| Q1 24 | $2.3M | $-352.3K |
自由现金流率OPHCRMCF
| Q4 25 | 124.6% | -16.9% | ||
| Q3 25 | 14.7% | -8.0% | ||
| Q2 25 | 48.5% | 2.9% | ||
| Q1 25 | 26.8% | — | ||
| Q4 24 | 141.9% | — | ||
| Q3 24 | 38.3% | -72.6% | ||
| Q2 24 | 27.5% | -40.2% | ||
| Q1 24 | 25.4% | -4.9% |
资本支出强度OPHCRMCF
| Q4 25 | 6.6% | 0.5% | ||
| Q3 25 | 0.0% | 0.8% | ||
| Q2 25 | 2.5% | 2.6% | ||
| Q1 25 | 2.7% | — | ||
| Q4 24 | 9.6% | — | ||
| Q3 24 | 1.5% | 17.5% | ||
| Q2 24 | 3.6% | 6.5% | ||
| Q1 24 | 2.9% | 6.6% |
现金转化率OPHCRMCF
| Q4 25 | 3.68× | — | ||
| Q3 25 | 0.44× | — | ||
| Q2 25 | 1.71× | — | ||
| Q1 25 | 0.81× | — | ||
| Q4 24 | 3.95× | — | ||
| Q3 24 | 1.21× | — | ||
| Q2 24 | 0.89× | — | ||
| Q1 24 | 1.07× | — |
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
OPHC
暂无分部数据
RMCF
| Manufacturing | $5.9M | 78% |
| Transferred At Point In Time | $1.2M | 16% |
| Other | $414.0K | 5% |
