vs
合众银行（OSBC）与RCI HOSPITALITY HOLDINGS, INC.（RICK）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RCI HOSPITALITY HOLDINGS, INC.的1.3倍（$93.8M vs $70.9M），合众银行净利率更高（27.3% vs -7.8%，领先35.0%），过去两年合众银行的营收复合增速更高（15.1% vs -2.0%）
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。
RCI Hospitality控股通过子公司经营脱衣舞俱乐部、夜总会、运动酒吧与餐厅，同时还运营一家为成人俱乐部行业提供服务的传媒会展企业。公司于1995年完成首次公开募股上市，目前在纳斯达克全球市场挂牌交易。
OSBC vs RICK — 直观对比
营收规模更大
OSBC
是对方的1.3倍
$70.9M
净利率更高
OSBC
高出35.0%
-7.8%
两年增速更快
OSBC
近两年复合增速
-2.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $93.8M | $70.9M |
| 净利润 | $25.6M | $-5.5M |
| 毛利率 | — | — |
| 营业利润率 | — | -0.7% |
| 净利率 | 27.3% | -7.8% |
| 营收同比 | — | -3.1% |
| 净利润同比 | 159.2% | -2354.9% |
| 每股收益（稀释后） | $0.48 | $-0.60 |
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OSBCRICK
| Q1 26 | $93.8M | — | ||
| Q4 25 | $95.2M | — | ||
| Q3 25 | $95.9M | $70.9M | ||
| Q2 25 | $75.1M | $71.1M | ||
| Q1 25 | $73.1M | $65.9M | ||
| Q4 24 | $73.2M | $71.5M | ||
| Q3 24 | $71.2M | $73.2M | ||
| Q2 24 | $70.8M | $76.2M |
净利润OSBCRICK
| Q1 26 | $25.6M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $9.9M | $-5.5M | ||
| Q2 25 | $21.8M | $4.1M | ||
| Q1 25 | $19.8M | $3.2M | ||
| Q4 24 | — | $9.0M | ||
| Q3 24 | $23.0M | $244.0K | ||
| Q2 24 | $21.9M | $-5.2M |
营业利润率OSBCRICK
| Q1 26 | — | — | ||
| Q4 25 | 41.2% | — | ||
| Q3 25 | 13.6% | -0.7% | ||
| Q2 25 | 38.9% | 12.2% | ||
| Q1 25 | 35.8% | 12.4% | ||
| Q4 24 | 34.7% | 19.5% | ||
| Q3 24 | 41.9% | 4.8% | ||
| Q2 24 | 41.2% | -3.3% |
净利率OSBCRICK
| Q1 26 | 27.3% | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 10.3% | -7.8% | ||
| Q2 25 | 29.0% | 5.7% | ||
| Q1 25 | 27.1% | 4.9% | ||
| Q4 24 | — | 12.6% | ||
| Q3 24 | 32.3% | 0.3% | ||
| Q2 24 | 30.9% | -6.9% |
每股收益（稀释后）OSBCRICK
| Q1 26 | $0.48 | — | ||
| Q4 25 | $0.53 | — | ||
| Q3 25 | $0.18 | $-0.60 | ||
| Q2 25 | $0.48 | $0.46 | ||
| Q1 25 | $0.43 | $0.36 | ||
| Q4 24 | $0.42 | $1.01 | ||
| Q3 24 | $0.50 | $0.04 | ||
| Q2 24 | $0.48 | $-0.56 |
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 | $33.7M |
| 总债务越低越好 | — | $238.2M |
| 股东权益账面价值 | $893.3M | $261.1M |
| 总资产 | $6.8B | $596.9M |
| 负债/权益比越低杠杆越低 | — | 0.91× |
8季度趋势，按日历期对齐
现金及短期投资OSBCRICK
| Q1 26 | $115.7M | — | ||
| Q4 25 | $124.0M | — | ||
| Q3 25 | $116.5M | $33.7M | ||
| Q2 25 | $141.8M | $29.3M | ||
| Q1 25 | $256.1M | $32.7M | ||
| Q4 24 | $99.3M | $34.7M | ||
| Q3 24 | $115.8M | $32.4M | ||
| Q2 24 | $120.9M | $34.9M |
总债务OSBCRICK
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $238.2M | ||
| Q2 25 | — | $243.8M | ||
| Q1 25 | — | $244.1M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $241.1M | ||
| Q2 24 | — | — |
股东权益OSBCRICK
| Q1 26 | $893.3M | — | ||
| Q4 25 | $896.8M | — | ||
| Q3 25 | $866.7M | $261.1M | ||
| Q2 25 | $718.6M | $269.5M | ||
| Q1 25 | $694.5M | $268.8M | ||
| Q4 24 | $671.0M | $269.0M | ||
| Q3 24 | $661.4M | $263.4M | ||
| Q2 24 | $619.3M | $271.2M |
总资产OSBCRICK
| Q1 26 | $6.8B | — | ||
| Q4 25 | $6.9B | — | ||
| Q3 25 | $7.0B | $596.9M | ||
| Q2 25 | $5.7B | $597.4M | ||
| Q1 25 | $5.7B | $589.8M | ||
| Q4 24 | $5.6B | $586.2M | ||
| Q3 24 | $5.7B | $584.4M | ||
| Q2 24 | $5.7B | $601.0M |
负债/权益比OSBCRICK
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 0.91× | ||
| Q2 25 | — | 0.90× | ||
| Q1 25 | — | 0.91× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.92× | ||
| Q2 24 | — | — |
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 | — | $13.7M |
| 自由现金流经营现金流 - 资本支出 | — | $11.5M |
| 自由现金流率自由现金流/营收 | — | 16.2% |
| 资本支出强度资本支出/营收 | — | 3.2% |
| 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 | — | $34.9M |
8季度趋势，按日历期对齐
经营现金流OSBCRICK
| Q1 26 | — | — | ||
| Q4 25 | $122.3M | — | ||
| Q3 25 | $35.9M | $13.7M | ||
| Q2 25 | $24.2M | $13.8M | ||
| Q1 25 | $17.8M | $8.5M | ||
| Q4 24 | $131.5M | $13.3M | ||
| Q3 24 | $48.5M | $15.7M | ||
| Q2 24 | $11.6M | $15.8M |
自由现金流OSBCRICK
| Q1 26 | — | — | ||
| Q4 25 | $117.8M | — | ||
| Q3 25 | $34.7M | $11.5M | ||
| Q2 25 | $23.5M | $10.1M | ||
| Q1 25 | $16.2M | $5.7M | ||
| Q4 24 | $120.7M | $7.6M | ||
| Q3 24 | $46.2M | $10.3M | ||
| Q2 24 | $8.7M | $9.3M |
自由现金流率OSBCRICK
| Q1 26 | — | — | ||
| Q4 25 | 123.7% | — | ||
| Q3 25 | 36.2% | 16.2% | ||
| Q2 25 | 31.2% | 14.2% | ||
| Q1 25 | 22.2% | 8.6% | ||
| Q4 24 | 165.0% | 10.6% | ||
| Q3 24 | 64.9% | 14.0% | ||
| Q2 24 | 12.3% | 12.3% |
资本支出强度OSBCRICK
| Q1 26 | — | — | ||
| Q4 25 | 4.7% | — | ||
| Q3 25 | 1.3% | 3.2% | ||
| Q2 25 | 1.1% | 5.2% | ||
| Q1 25 | 2.2% | 4.3% | ||
| Q4 24 | 14.7% | 8.0% | ||
| Q3 24 | 3.3% | 7.3% | ||
| Q2 24 | 4.2% | 8.4% |
现金转化率OSBCRICK
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 3.64× | — | ||
| Q2 25 | 1.11× | 3.40× | ||
| Q1 25 | 0.90× | 2.65× | ||
| Q4 24 | — | 1.48× | ||
| Q3 24 | 2.11× | 64.14× | ||
| 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% |
RICK
| Transferred At Point In Time | $60.8M | 86% |
| Food And Merchandise | $10.4M | 15% |
