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合众银行（OSBC）与READING INTERNATIONAL INC（RDI）财务数据对比。点击上方公司名可切换其他公司
合众银行的季度营收约是READING INTERNATIONAL INC的1.9倍（$93.8M vs $50.3M），合众银行净利率更高（27.3% vs -5.1%，领先32.4%），过去两年合众银行的营收复合增速更高（15.1% vs 5.6%）
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。
雷丁公司是总部位于美国费城的铁路企业，1924年起在宾夕法尼亚州东部及周边各州提供客运与货运运输服务，直至1976年被联合铁路公司收购。
OSBC vs RDI — 直观对比
营收规模更大
OSBC
是对方的1.9倍
$50.3M
净利率更高
OSBC
高出32.4%
-5.1%
两年增速更快
OSBC
近两年复合增速
5.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $93.8M | $50.3M |
| 净利润 | $25.6M | $-2.6M |
| 毛利率 | — | — |
| 营业利润率 | — | -1.9% |
| 净利率 | 27.3% | -5.1% |
| 营收同比 | — | -14.2% |
| 净利润同比 | 159.2% | -14.5% |
| 每股收益（稀释后） | $0.48 | $-0.11 |
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OSBCRDI
| Q1 26 | $93.8M | — | ||
| Q4 25 | $95.2M | $50.3M | ||
| Q3 25 | $95.9M | $52.2M | ||
| Q2 25 | $75.1M | $60.4M | ||
| Q1 25 | $73.1M | $40.2M | ||
| Q4 24 | $73.2M | $58.6M | ||
| Q3 24 | $71.2M | $60.1M | ||
| Q2 24 | $70.8M | $46.8M |
净利润OSBCRDI
| Q1 26 | $25.6M | — | ||
| Q4 25 | — | $-2.6M | ||
| Q3 25 | $9.9M | $-4.2M | ||
| Q2 25 | $21.8M | $-2.7M | ||
| Q1 25 | $19.8M | $-4.8M | ||
| Q4 24 | — | $-2.2M | ||
| Q3 24 | $23.0M | $-7.0M | ||
| Q2 24 | $21.9M | $-12.8M |
营业利润率OSBCRDI
| Q1 26 | — | — | ||
| Q4 25 | 41.2% | -1.9% | ||
| Q3 25 | 13.6% | -0.6% | ||
| Q2 25 | 38.9% | 4.8% | ||
| Q1 25 | 35.8% | -17.2% | ||
| Q4 24 | 34.7% | 2.6% | ||
| Q3 24 | 41.9% | -0.6% | ||
| Q2 24 | 41.2% | -16.4% |
净利率OSBCRDI
| Q1 26 | 27.3% | — | ||
| Q4 25 | — | -5.1% | ||
| Q3 25 | 10.3% | -8.0% | ||
| Q2 25 | 29.0% | -4.4% | ||
| Q1 25 | 27.1% | -11.8% | ||
| Q4 24 | — | -3.8% | ||
| Q3 24 | 32.3% | -11.7% | ||
| Q2 24 | 30.9% | -27.4% |
每股收益（稀释后）OSBCRDI
| Q1 26 | $0.48 | — | ||
| Q4 25 | $0.53 | $-0.11 | ||
| Q3 25 | $0.18 | $-0.18 | ||
| Q2 25 | $0.48 | $-0.12 | ||
| Q1 25 | $0.43 | $-0.21 | ||
| Q4 24 | $0.42 | $-0.11 | ||
| Q3 24 | $0.50 | $-0.31 | ||
| Q2 24 | $0.48 | $-0.57 |
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 | $10.5M |
| 总债务越低越好 | — | $185.1M |
| 股东权益账面价值 | $893.3M | $-18.2M |
| 总资产 | $6.8B | $434.9M |
| 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OSBCRDI
| Q1 26 | $115.7M | — | ||
| Q4 25 | $124.0M | $10.5M | ||
| Q3 25 | $116.5M | $8.1M | ||
| Q2 25 | $141.8M | $9.1M | ||
| Q1 25 | $256.1M | $5.9M | ||
| Q4 24 | $99.3M | $12.4M | ||
| Q3 24 | $115.8M | $10.1M | ||
| Q2 24 | $120.9M | $9.3M |
总债务OSBCRDI
| Q1 26 | — | — | ||
| Q4 25 | — | $185.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $202.7M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益OSBCRDI
| Q1 26 | $893.3M | — | ||
| Q4 25 | $896.8M | $-18.2M | ||
| Q3 25 | $866.7M | $-12.1M | ||
| Q2 25 | $718.6M | $-7.7M | ||
| Q1 25 | $694.5M | $-8.1M | ||
| Q4 24 | $671.0M | $-4.4M | ||
| Q3 24 | $661.4M | $1.6M | ||
| Q2 24 | $619.3M | $6.5M |
总资产OSBCRDI
| Q1 26 | $6.8B | — | ||
| Q4 25 | $6.9B | $434.9M | ||
| Q3 25 | $7.0B | $435.2M | ||
| Q2 25 | $5.7B | $438.1M | ||
| Q1 25 | $5.7B | $441.0M | ||
| Q4 24 | $5.6B | $471.0M | ||
| Q3 24 | $5.7B | $495.7M | ||
| Q2 24 | $5.7B | $494.9M |
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 | — | $4.3M |
| 自由现金流经营现金流 - 资本支出 | — | $4.1M |
| 自由现金流率自由现金流/营收 | — | 8.2% |
| 资本支出强度资本支出/营收 | — | 0.3% |
| 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 | — | $-2.9M |
8季度趋势，按日历期对齐
经营现金流OSBCRDI
| Q1 26 | — | — | ||
| Q4 25 | $122.3M | $4.3M | ||
| Q3 25 | $35.9M | $295.0K | ||
| Q2 25 | $24.2M | $1.6M | ||
| Q1 25 | $17.8M | $-7.7M | ||
| Q4 24 | $131.5M | $8.0M | ||
| Q3 24 | $48.5M | $1.3M | ||
| Q2 24 | $11.6M | $-10.4M |
自由现金流OSBCRDI
| Q1 26 | — | — | ||
| Q4 25 | $117.8M | $4.1M | ||
| Q3 25 | $34.7M | $-246.0K | ||
| Q2 25 | $23.5M | $1.2M | ||
| Q1 25 | $16.2M | $-8.0M | ||
| Q4 24 | $120.7M | $7.0M | ||
| Q3 24 | $46.2M | $-1.1M | ||
| Q2 24 | $8.7M | $-10.6M |
自由现金流率OSBCRDI
| Q1 26 | — | — | ||
| Q4 25 | 123.7% | 8.2% | ||
| Q3 25 | 36.2% | -0.5% | ||
| Q2 25 | 31.2% | 1.9% | ||
| Q1 25 | 22.2% | -19.8% | ||
| Q4 24 | 165.0% | 12.0% | ||
| Q3 24 | 64.9% | -1.8% | ||
| Q2 24 | 12.3% | -22.7% |
资本支出强度OSBCRDI
| Q1 26 | — | — | ||
| Q4 25 | 4.7% | 0.3% | ||
| Q3 25 | 1.3% | 1.0% | ||
| Q2 25 | 1.1% | 0.6% | ||
| Q1 25 | 2.2% | 0.6% | ||
| Q4 24 | 14.7% | 1.7% | ||
| Q3 24 | 3.3% | 4.0% | ||
| Q2 24 | 4.2% | 0.5% |
现金转化率OSBCRDI
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 3.64× | — | ||
| Q2 25 | 1.11× | — | ||
| Q1 25 | 0.90× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.11× | — | ||
| Q2 24 | 0.53× | — |
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% |
RDI
| Cinema Exhibition Segment | $46.9M | 93% |
| Real Estate Revenue | $3.4M | 7% |
