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合众银行（OSBC）与REPUBLIC BANCORP INC（RBCAA）财务数据对比。点击上方公司名可切换其他公司
REPUBLIC BANCORP INC的季度营收约是合众银行的1.0倍（$94.3M vs $93.8M），合众银行净利率更高（27.3% vs 24.2%，领先3.1%），过去两年合众银行的营收复合增速更高（15.1% vs -11.5%）
合众银行是一家总部位于美国明尼阿波利斯、在特拉华州注册的美国跨国银行机构。截至2025年，它是美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的金融机构，主营银行、投资、抵押等金融服务。
肯塔基州共和银行是美国的一家区域性银行控股企业，提供零售及商业银行全品类服务，涵盖个人存贷款、企业融资、按揭产品及财富管理解决方案，主要服务肯塔基州及周边州的个人消费者和中小企业客户。
OSBC vs RBCAA — 直观对比
营收规模更大
RBCAA
是对方的1.0倍
$93.8M
净利率更高
OSBC
高出3.1%
24.2%
两年增速更快
OSBC
近两年复合增速
-11.5%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $93.8M | $94.3M |
| 净利润 | $25.6M | $22.8M |
| 毛利率 | — | — |
| 营业利润率 | — | 29.3% |
| 净利率 | 27.3% | 24.2% |
| 营收同比 | — | 5.3% |
| 净利润同比 | 29.0% | 20.0% |
| 每股收益（稀释后） | $0.48 | — |
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OSBCRBCAA
| Q1 26 | $93.8M | — | ||
| Q4 25 | $95.2M | $94.3M | ||
| Q3 25 | $95.9M | $93.5M | ||
| Q2 25 | $75.1M | $93.8M | ||
| Q1 25 | $73.1M | $135.8M | ||
| Q4 24 | $73.2M | $89.5M | ||
| Q3 24 | $71.2M | $88.1M | ||
| Q2 24 | $70.8M | $86.9M |
净利润OSBCRBCAA
| Q1 26 | $25.6M | — | ||
| Q4 25 | — | $22.8M | ||
| Q3 25 | $9.9M | $29.7M | ||
| Q2 25 | $21.8M | $31.5M | ||
| Q1 25 | $19.8M | $47.3M | ||
| Q4 24 | — | $19.0M | ||
| Q3 24 | $23.0M | $26.5M | ||
| Q2 24 | $21.9M | $25.2M |
营业利润率OSBCRBCAA
| Q1 26 | — | — | ||
| Q4 25 | 41.2% | 29.3% | ||
| Q3 25 | 13.6% | 40.4% | ||
| Q2 25 | 38.9% | 43.0% | ||
| Q1 25 | 35.8% | 44.1% | ||
| Q4 24 | 34.7% | 25.8% | ||
| Q3 24 | 41.9% | 38.4% | ||
| Q2 24 | 41.2% | 37.0% |
净利率OSBCRBCAA
| Q1 26 | 27.3% | — | ||
| Q4 25 | — | 24.2% | ||
| Q3 25 | 10.3% | 31.8% | ||
| Q2 25 | 29.0% | 33.5% | ||
| Q1 25 | 27.1% | 34.8% | ||
| Q4 24 | — | 21.2% | ||
| Q3 24 | 32.3% | 30.1% | ||
| Q2 24 | 30.9% | 29.0% |
每股收益（稀释后）OSBCRBCAA
| Q1 26 | $0.48 | — | ||
| Q4 25 | $0.53 | — | ||
| Q3 25 | $0.18 | — | ||
| Q2 25 | $0.48 | — | ||
| Q1 25 | $0.43 | — | ||
| Q4 24 | $0.42 | — | ||
| Q3 24 | $0.50 | — | ||
| Q2 24 | $0.48 | — |
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 | $220.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $893.3M | $1.1B |
| 总资产 | $6.8B | $7.0B |
| 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OSBCRBCAA
| Q1 26 | $115.7M | — | ||
| Q4 25 | $124.0M | $220.0M | ||
| Q3 25 | $116.5M | $484.2M | ||
| Q2 25 | $141.8M | $484.8M | ||
| Q1 25 | $256.1M | $793.0M | ||
| Q4 24 | $99.3M | $432.2M | ||
| Q3 24 | $115.8M | $530.9M | ||
| Q2 24 | $120.9M | $400.1M |
股东权益OSBCRBCAA
| Q1 26 | $893.3M | — | ||
| Q4 25 | $896.8M | $1.1B | ||
| Q3 25 | $866.7M | $1.1B | ||
| Q2 25 | $718.6M | $1.1B | ||
| Q1 25 | $694.5M | $1.0B | ||
| Q4 24 | $671.0M | $992.0M | ||
| Q3 24 | $661.4M | $979.7M | ||
| Q2 24 | $619.3M | $955.4M |
总资产OSBCRBCAA
| Q1 26 | $6.8B | — | ||
| Q4 25 | $6.9B | $7.0B | ||
| Q3 25 | $7.0B | $7.0B | ||
| Q2 25 | $5.7B | $7.0B | ||
| Q1 25 | $5.7B | $7.1B | ||
| Q4 24 | $5.6B | $6.8B | ||
| Q3 24 | $5.7B | $6.7B | ||
| Q2 24 | $5.7B | $6.6B |
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 | — | $168.2M |
| 自由现金流经营现金流 - 资本支出 | — | $161.1M |
| 自由现金流率自由现金流/营收 | — | 170.9% |
| 资本支出强度资本支出/营收 | — | 7.5% |
| 现金转化率经营现金流/净利润 | — | 7.37× |
| 过去12个月自由现金流最近4个季度 | — | $288.6M |
8季度趋势，按日历期对齐
经营现金流OSBCRBCAA
| Q1 26 | — | — | ||
| Q4 25 | $122.3M | $168.2M | ||
| Q3 25 | $35.9M | $33.3M | ||
| Q2 25 | $24.2M | $8.4M | ||
| Q1 25 | $17.8M | $93.2M | ||
| Q4 24 | $131.5M | $149.0M | ||
| Q3 24 | $48.5M | $51.3M | ||
| Q2 24 | $11.6M | $4.0M |
自由现金流OSBCRBCAA
| Q1 26 | — | — | ||
| Q4 25 | $117.8M | $161.1M | ||
| Q3 25 | $34.7M | $30.8M | ||
| Q2 25 | $23.5M | $5.2M | ||
| Q1 25 | $16.2M | $91.6M | ||
| Q4 24 | $120.7M | $143.2M | ||
| Q3 24 | $46.2M | $49.8M | ||
| Q2 24 | $8.7M | $2.7M |
自由现金流率OSBCRBCAA
| Q1 26 | — | — | ||
| Q4 25 | 123.7% | 170.9% | ||
| Q3 25 | 36.2% | 32.9% | ||
| Q2 25 | 31.2% | 5.5% | ||
| Q1 25 | 22.2% | 67.4% | ||
| Q4 24 | 165.0% | 160.0% | ||
| Q3 24 | 64.9% | 56.5% | ||
| Q2 24 | 12.3% | 3.1% |
资本支出强度OSBCRBCAA
| Q1 26 | — | — | ||
| Q4 25 | 4.7% | 7.5% | ||
| Q3 25 | 1.3% | 2.6% | ||
| Q2 25 | 1.1% | 3.5% | ||
| Q1 25 | 2.2% | 1.2% | ||
| Q4 24 | 14.7% | 6.5% | ||
| Q3 24 | 3.3% | 1.7% | ||
| Q2 24 | 4.2% | 1.5% |
现金转化率OSBCRBCAA
| Q1 26 | — | — | ||
| Q4 25 | — | 7.37× | ||
| Q3 25 | 3.64× | 1.12× | ||
| Q2 25 | 1.11× | 0.27× | ||
| Q1 25 | 0.90× | 1.97× | ||
| Q4 24 | — | 7.84× | ||
| Q3 24 | 2.11× | 1.93× | ||
| Q2 24 | 0.53× | 0.16× |
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
OSBC
| Net Interest Income | $81.1M | 87% |
| Noninterest Income | $12.6M | 13% |
RBCAA
暂无分部数据
