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OneSpan Inc.（OSPN）与RBB Bancorp（RBB）财务数据对比。点击上方公司名可切换其他公司
OneSpan Inc.的季度营收约是RBB Bancorp的2.0倍（$65.9M vs $32.3M），RBB Bancorp净利率更高（31.5% vs 17.5%，领先14.0%），RBB Bancorp同比增速更快（12.6% vs 4.1%），过去两年RBB Bancorp的营收复合增速更高（7.0% vs 4.0%）
OneSpan Inc.是一家总部位于美国马萨诸塞州波士顿的信息安全企业，核心业务涵盖网络欺诈防御平台搭建、多因素身份验证工具提供以及电子签名软件开发，为各类机构提供专业的数字安全与身份合规管理解决方案。
RBB银行控股公司是总部位于美国的金融控股集团，旗下核心主体为皇家商业银行，主要服务亚裔社群、中小微企业、不动产投资者及零售客户，提供商业信贷、储蓄存款、财富管理等多元金融服务，业务覆盖美国沿海核心都会区。
OSPN vs RBB — 直观对比
营收规模更大
OSPN
是对方的2.0倍
$32.3M
营收增速更快
RBB
高出8.5%
4.1%
净利率更高
RBB
高出14.0%
17.5%
两年增速更快
RBB
近两年复合增速
4.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $65.9M | $32.3M |
| 净利润 | $11.6M | $10.2M |
| 毛利率 | 73.6% | — |
| 营业利润率 | 22.5% | 39.5% |
| 净利率 | 17.5% | 31.5% |
| 营收同比 | 4.1% | 12.6% |
| 净利润同比 | — | 132.1% |
| 每股收益（稀释后） | $0.39 | $0.59 |
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OSPNRBB
| Q1 26 | $65.9M | — | ||
| Q4 25 | $62.9M | $32.3M | ||
| Q3 25 | $57.1M | $32.6M | ||
| Q2 25 | $59.8M | $35.8M | ||
| Q1 25 | $63.4M | $28.5M | ||
| Q4 24 | $61.2M | $28.7M | ||
| Q3 24 | $56.2M | $30.3M | ||
| Q2 24 | $60.9M | $27.5M |
净利润OSPNRBB
| Q1 26 | $11.6M | — | ||
| Q4 25 | $43.5M | $10.2M | ||
| Q3 25 | $6.5M | $10.1M | ||
| Q2 25 | $8.3M | $9.3M | ||
| Q1 25 | $14.5M | $2.3M | ||
| Q4 24 | $28.8M | $4.4M | ||
| Q3 24 | $8.3M | $7.0M | ||
| Q2 24 | $6.6M | $7.2M |
毛利率OSPNRBB
| Q1 26 | 73.6% | — | ||
| Q4 25 | 73.6% | — | ||
| Q3 25 | 73.6% | — | ||
| Q2 25 | 73.5% | — | ||
| Q1 25 | 74.3% | — | ||
| Q4 24 | 74.0% | — | ||
| Q3 24 | 73.9% | — | ||
| Q2 24 | 66.2% | — |
营业利润率OSPNRBB
| Q1 26 | 22.5% | — | ||
| Q4 25 | 19.9% | 39.5% | ||
| Q3 25 | 14.4% | 40.7% | ||
| Q2 25 | 17.6% | 36.1% | ||
| Q1 25 | 27.1% | 11.2% | ||
| Q4 24 | 19.3% | 17.6% | ||
| Q3 24 | 20.0% | 31.6% | ||
| Q2 24 | 12.5% | 35.6% |
净利率OSPNRBB
| Q1 26 | 17.5% | — | ||
| Q4 25 | 69.2% | 31.5% | ||
| Q3 25 | 11.4% | 31.2% | ||
| Q2 25 | 13.9% | 26.1% | ||
| Q1 25 | 22.9% | 8.0% | ||
| Q4 24 | 47.1% | 15.3% | ||
| Q3 24 | 14.7% | 23.1% | ||
| Q2 24 | 10.8% | 26.4% |
每股收益（稀释后）OSPNRBB
| Q1 26 | $0.39 | — | ||
| Q4 25 | $1.13 | $0.59 | ||
| Q3 25 | $0.17 | $0.59 | ||
| Q2 25 | $0.21 | $0.52 | ||
| Q1 25 | $0.37 | $0.13 | ||
| Q4 24 | $0.73 | $0.26 | ||
| Q3 24 | $0.21 | $0.39 | ||
| Q2 24 | $0.17 | $0.39 |
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 | $49.8M | $212.3M |
| 总债务越低越好 | — | $119.9M |
| 股东权益账面价值 | $272.0M | $523.4M |
| 总资产 | $383.1M | $4.2B |
| 负债/权益比越低杠杆越低 | — | 0.23× |
8季度趋势，按日历期对齐
现金及短期投资OSPNRBB
| Q1 26 | $49.8M | — | ||
| Q4 25 | $70.5M | $212.3M | ||
| Q3 25 | $85.6M | $234.9M | ||
| Q2 25 | $92.9M | $191.9M | ||
| Q1 25 | $105.2M | $238.8M | ||
| Q4 24 | $83.2M | $257.7M | ||
| Q3 24 | $77.5M | $349.4M | ||
| Q2 24 | $63.8M | $252.8M |
总债务OSPNRBB
| Q1 26 | — | — | ||
| Q4 25 | — | $119.9M | ||
| Q3 25 | — | $119.8M | ||
| Q2 25 | — | $119.7M | ||
| Q1 25 | — | $119.6M | ||
| Q4 24 | — | $119.5M | ||
| Q3 24 | — | $119.4M | ||
| Q2 24 | — | $119.3M |
股东权益OSPNRBB
| Q1 26 | $272.0M | — | ||
| Q4 25 | $271.8M | $523.4M | ||
| Q3 25 | $238.3M | $514.3M | ||
| Q2 25 | $242.5M | $517.7M | ||
| Q1 25 | $231.1M | $510.3M | ||
| Q4 24 | $212.5M | $507.9M | ||
| Q3 24 | $194.6M | $509.7M | ||
| Q2 24 | $178.6M | $511.3M |
总资产OSPNRBB
| Q1 26 | $383.1M | — | ||
| Q4 25 | $397.7M | $4.2B | ||
| Q3 25 | $343.5M | $4.2B | ||
| Q2 25 | $357.1M | $4.1B | ||
| Q1 25 | $333.8M | $4.0B | ||
| Q4 24 | $338.7M | $4.0B | ||
| Q3 24 | $289.3M | $4.0B | ||
| Q2 24 | $286.9M | $3.9B |
负债/权益比OSPNRBB
| Q1 26 | — | — | ||
| Q4 25 | — | 0.23× | ||
| Q3 25 | — | 0.23× | ||
| Q2 25 | — | 0.23× | ||
| Q1 25 | — | 0.23× | ||
| Q4 24 | — | 0.24× | ||
| Q3 24 | — | 0.23× | ||
| Q2 24 | — | 0.23× |
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 | $28.2M | $43.4M |
| 自由现金流经营现金流 - 资本支出 | — | $42.6M |
| 自由现金流率自由现金流/营收 | — | 131.8% |
| 资本支出强度资本支出/营收 | — | 2.5% |
| 现金转化率经营现金流/净利润 | 2.44× | 4.26× |
| 过去12个月自由现金流最近4个季度 | — | $73.5M |
8季度趋势，按日历期对齐
经营现金流OSPNRBB
| Q1 26 | $28.2M | — | ||
| Q4 25 | $12.6M | $43.4M | ||
| Q3 25 | $11.3M | $2.1M | ||
| Q2 25 | $6.2M | $21.7M | ||
| Q1 25 | $29.4M | $7.8M | ||
| Q4 24 | $12.4M | $58.5M | ||
| Q3 24 | $14.0M | $24.5M | ||
| Q2 24 | $2.3M | $11.7M |
自由现金流OSPNRBB
| Q1 26 | — | — | ||
| Q4 25 | $9.6M | $42.6M | ||
| Q3 25 | $8.8M | $1.8M | ||
| Q2 25 | $4.4M | $21.6M | ||
| Q1 25 | $27.7M | $7.6M | ||
| Q4 24 | $10.5M | $57.7M | ||
| Q3 24 | $12.0M | $24.2M | ||
| Q2 24 | $26.0K | $11.5M |
自由现金流率OSPNRBB
| Q1 26 | — | — | ||
| Q4 25 | 15.3% | 131.8% | ||
| Q3 25 | 15.4% | 5.4% | ||
| Q2 25 | 7.3% | 60.2% | ||
| Q1 25 | 43.8% | 26.7% | ||
| Q4 24 | 17.1% | 201.0% | ||
| Q3 24 | 21.4% | 80.0% | ||
| Q2 24 | 0.0% | 42.0% |
资本支出强度OSPNRBB
| Q1 26 | — | — | ||
| Q4 25 | 4.7% | 2.5% | ||
| Q3 25 | 4.4% | 1.1% | ||
| Q2 25 | 3.1% | 0.3% | ||
| Q1 25 | 2.6% | 0.6% | ||
| Q4 24 | 3.2% | 2.7% | ||
| Q3 24 | 3.5% | 0.8% | ||
| Q2 24 | 3.7% | 0.5% |
现金转化率OSPNRBB
| Q1 26 | 2.44× | — | ||
| Q4 25 | 0.29× | 4.26× | ||
| Q3 25 | 1.74× | 0.21× | ||
| Q2 25 | 0.75× | 2.32× | ||
| Q1 25 | 2.02× | 3.39× | ||
| Q4 24 | 0.43× | 13.34× | ||
| Q3 24 | 1.69× | 3.50× | ||
| Q2 24 | 0.35× | 1.61× |
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
OSPN
| Product and license | $35.5M | 54% |
| Services and other | $30.4M | 46% |
RBB
暂无分部数据
