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合众银行（OSBC）与RE/MAX Holdings, Inc.（RMAX）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RE/MAX Holdings, Inc.的1.3倍（$93.8M vs $71.1M），合众银行净利率更高（27.3% vs 2.0%，领先25.3%），过去两年合众银行的营收复合增速更高（15.1% vs -4.7%）
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。
RE/MAX是全球知名的房地产特许经营机构，业务遍布全球一百多个国家和地区，旗下拥有数千家门店，总计超过十万名房产经纪人，在国际房产中介领域拥有极高的品牌知名度与市场影响力。
OSBC vs RMAX — 直观对比
营收规模更大
OSBC
是对方的1.3倍
$71.1M
净利率更高
OSBC
高出25.3%
2.0%
两年增速更快
OSBC
近两年复合增速
-4.7%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $93.8M | $71.1M |
| 净利润 | $25.6M | $1.4M |
| 毛利率 | — | — |
| 营业利润率 | — | 13.1% |
| 净利率 | 27.3% | 2.0% |
| 营收同比 | — | -1.8% |
| 净利润同比 | 159.2% | -75.2% |
| 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OSBCRMAX
| Q1 26 | $93.8M | — | ||
| Q4 25 | $95.2M | $71.1M | ||
| Q3 25 | $95.9M | $73.2M | ||
| Q2 25 | $75.1M | $72.8M | ||
| Q1 25 | $73.1M | $74.5M | ||
| Q4 24 | $73.2M | $72.5M | ||
| Q3 24 | $71.2M | $78.5M | ||
| Q2 24 | $70.8M | $78.5M |
净利润OSBCRMAX
| Q1 26 | $25.6M | — | ||
| Q4 25 | — | $1.4M | ||
| Q3 25 | $9.9M | $4.0M | ||
| Q2 25 | $21.8M | $4.7M | ||
| Q1 25 | $19.8M | $-2.0M | ||
| Q4 24 | — | $5.8M | ||
| Q3 24 | $23.0M | $966.0K | ||
| Q2 24 | $21.9M | $3.7M |
营业利润率OSBCRMAX
| Q1 26 | — | — | ||
| Q4 25 | 41.2% | 13.1% | ||
| Q3 25 | 13.6% | 25.0% | ||
| Q2 25 | 38.9% | 19.3% | ||
| Q1 25 | 35.8% | 7.2% | ||
| Q4 24 | 34.7% | 5.9% | ||
| Q3 24 | 41.9% | 19.4% | ||
| Q2 24 | 41.2% | 20.6% |
净利率OSBCRMAX
| Q1 26 | 27.3% | — | ||
| Q4 25 | — | 2.0% | ||
| Q3 25 | 10.3% | 5.4% | ||
| Q2 25 | 29.0% | 6.4% | ||
| Q1 25 | 27.1% | -2.6% | ||
| Q4 24 | — | 8.0% | ||
| Q3 24 | 32.3% | 1.2% | ||
| Q2 24 | 30.9% | 4.7% |
每股收益（稀释后）OSBCRMAX
| 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 | $118.7M |
| 总债务越低越好 | — | $432.2M |
| 股东权益账面价值 | $893.3M | $452.4M |
| 总资产 | $6.8B | $582.5M |
| 负债/权益比越低杠杆越低 | — | 0.96× |
8季度趋势，按日历期对齐
现金及短期投资OSBCRMAX
| Q1 26 | $115.7M | — | ||
| Q4 25 | $124.0M | $118.7M | ||
| Q3 25 | $116.5M | $107.5M | ||
| Q2 25 | $141.8M | $94.3M | ||
| Q1 25 | $256.1M | $89.1M | ||
| Q4 24 | $99.3M | $96.6M | ||
| Q3 24 | $115.8M | $83.8M | ||
| Q2 24 | $120.9M | $66.1M |
总债务OSBCRMAX
| Q1 26 | — | — | ||
| Q4 25 | — | $432.2M | ||
| Q3 25 | — | $433.3M | ||
| Q2 25 | — | $434.4M | ||
| Q1 25 | — | $435.3M | ||
| Q4 24 | — | $436.2M | ||
| Q3 24 | — | $437.2M | ||
| Q2 24 | — | $438.1M |
股东权益OSBCRMAX
| Q1 26 | $893.3M | — | ||
| Q4 25 | $896.8M | $452.4M | ||
| Q3 25 | $866.7M | $448.1M | ||
| Q2 25 | $718.6M | $442.4M | ||
| Q1 25 | $694.5M | $433.5M | ||
| Q4 24 | $671.0M | $429.5M | ||
| Q3 24 | $661.4M | $423.1M | ||
| Q2 24 | $619.3M | $418.4M |
总资产OSBCRMAX
| Q1 26 | $6.8B | — | ||
| Q4 25 | $6.9B | $582.5M | ||
| Q3 25 | $7.0B | $582.2M | ||
| Q2 25 | $5.7B | $574.8M | ||
| Q1 25 | $5.7B | $571.4M | ||
| Q4 24 | $5.6B | $581.6M | ||
| Q3 24 | $5.7B | $578.6M | ||
| Q2 24 | $5.7B | $571.4M |
负债/权益比OSBCRMAX
| Q1 26 | — | — | ||
| Q4 25 | — | 0.96× | ||
| Q3 25 | — | 0.97× | ||
| Q2 25 | — | 0.98× | ||
| Q1 25 | — | 1.00× | ||
| Q4 24 | — | 1.02× | ||
| Q3 24 | — | 1.03× | ||
| Q2 24 | — | 1.05× |
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 | — | $40.9M |
| 自由现金流经营现金流 - 资本支出 | — | $33.5M |
| 自由现金流率自由现金流/营收 | — | 47.1% |
| 资本支出强度资本支出/营收 | — | 10.4% |
| 现金转化率经营现金流/净利润 | — | 28.39× |
| 过去12个月自由现金流最近4个季度 | — | $56.8M |
8季度趋势，按日历期对齐
经营现金流OSBCRMAX
| Q1 26 | — | — | ||
| Q4 25 | $122.3M | $40.9M | ||
| Q3 25 | $35.9M | $17.7M | ||
| Q2 25 | $24.2M | $4.6M | ||
| Q1 25 | $17.8M | $5.7M | ||
| Q4 24 | $131.5M | $59.7M | ||
| Q3 24 | $48.5M | $17.6M | ||
| Q2 24 | $11.6M | $15.9M |
自由现金流OSBCRMAX
| Q1 26 | — | — | ||
| Q4 25 | $117.8M | $33.5M | ||
| Q3 25 | $34.7M | $16.4M | ||
| Q2 25 | $23.5M | $2.9M | ||
| Q1 25 | $16.2M | $4.0M | ||
| Q4 24 | $120.7M | $53.0M | ||
| Q3 24 | $46.2M | $16.3M | ||
| Q2 24 | $8.7M | $14.0M |
自由现金流率OSBCRMAX
| Q1 26 | — | — | ||
| Q4 25 | 123.7% | 47.1% | ||
| Q3 25 | 36.2% | 22.4% | ||
| Q2 25 | 31.2% | 4.0% | ||
| Q1 25 | 22.2% | 5.3% | ||
| Q4 24 | 165.0% | 73.2% | ||
| Q3 24 | 64.9% | 20.8% | ||
| Q2 24 | 12.3% | 17.8% |
资本支出强度OSBCRMAX
| Q1 26 | — | — | ||
| Q4 25 | 4.7% | 10.4% | ||
| Q3 25 | 1.3% | 1.8% | ||
| Q2 25 | 1.1% | 2.2% | ||
| Q1 25 | 2.2% | 2.3% | ||
| Q4 24 | 14.7% | 9.1% | ||
| Q3 24 | 3.3% | 1.7% | ||
| Q2 24 | 4.2% | 2.4% |
现金转化率OSBCRMAX
| Q1 26 | — | — | ||
| Q4 25 | — | 28.39× | ||
| Q3 25 | 3.64× | 4.45× | ||
| Q2 25 | 1.11× | 0.97× | ||
| Q1 25 | 0.90× | — | ||
| Q4 24 | — | 10.28× | ||
| Q3 24 | 2.11× | 18.22× | ||
| Q2 24 | 0.53× | 4.29× |
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% |
RMAX
| Franchising Segment | $50.1M | 70% |
| Broker Fees | $13.9M | 20% |
| Annual Dues | $7.4M | 10% |
