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PEOPLES BANCORP INC（PEBO）与Repay Holdings Corp（RPAY）财务数据对比。点击上方公司名可切换其他公司
PEOPLES BANCORP INC的季度营收约是Repay Holdings Corp的1.5倍（$118.7M vs $78.6M），PEOPLES BANCORP INC净利率更高（24.4% vs -178.3%，领先202.7%），过去两年PEOPLES BANCORP INC的营收复合增速更高（3.7% vs -1.3%）
该公司是总部位于美国明尼苏达州明尼阿波利斯、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，同时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。它主营银行、投资、抵押贷款等相关金融业务。
Repay Holdings Corp是一家聚焦北美市场的支付技术服务商，为零售、医疗、汽车服务、电商等领域的企业提供整合支付处理方案，涵盖银行卡收单、ACH转账、POS系统集成等数字化支付工具，助力客户简化交易流程、提升运营效率。
PEBO vs RPAY — 直观对比
营收规模更大
PEBO
是对方的1.5倍
$78.6M
净利率更高
PEBO
高出202.7%
-178.3%
两年增速更快
PEBO
近两年复合增速
-1.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $118.7M | $78.6M |
| 净利润 | $29.0M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | — | -182.2% |
| 净利率 | 24.4% | -178.3% |
| 营收同比 | — | 0.4% |
| 净利润同比 | -8.7% | -3304.1% |
| 每股收益（稀释后） | $0.81 | $-1.68 |
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PEBORPAY
| Q1 26 | $118.7M | — | ||
| Q4 25 | $117.3M | $78.6M | ||
| Q3 25 | $115.2M | $77.7M | ||
| Q2 25 | $114.5M | $75.6M | ||
| Q1 25 | $112.4M | $77.3M | ||
| Q4 24 | $111.6M | $78.3M | ||
| Q3 24 | $113.7M | $79.1M | ||
| Q2 24 | $110.3M | $74.9M |
净利润PEBORPAY
| Q1 26 | $29.0M | — | ||
| Q4 25 | $31.8M | $-140.1M | ||
| Q3 25 | $29.5M | $-6.4M | ||
| Q2 25 | $21.2M | $-102.3M | ||
| Q1 25 | $24.3M | $-7.9M | ||
| Q4 24 | $26.9M | $-4.1M | ||
| Q3 24 | $31.7M | $3.2M | ||
| Q2 24 | $29.0M | $-4.1M |
毛利率PEBORPAY
| Q1 26 | — | — | ||
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% |
营业利润率PEBORPAY
| Q1 26 | — | — | ||
| Q4 25 | 32.4% | -182.2% | ||
| Q3 25 | 33.0% | -3.9% | ||
| Q2 25 | 24.0% | -138.7% | ||
| Q1 25 | 27.9% | -4.7% | ||
| Q4 24 | 31.2% | -1.5% | ||
| Q3 24 | 36.0% | -0.9% | ||
| Q2 24 | 32.5% | -4.6% |
净利率PEBORPAY
| Q1 26 | 24.4% | — | ||
| Q4 25 | 27.1% | -178.3% | ||
| Q3 25 | 25.6% | -8.3% | ||
| Q2 25 | 18.5% | -135.2% | ||
| Q1 25 | 21.7% | -10.3% | ||
| Q4 24 | 24.1% | -5.3% | ||
| Q3 24 | 27.9% | 4.1% | ||
| Q2 24 | 26.3% | -5.4% |
每股收益（稀释后）PEBORPAY
| Q1 26 | $0.81 | — | ||
| Q4 25 | $0.89 | $-1.68 | ||
| Q3 25 | $0.83 | $-0.08 | ||
| Q2 25 | $0.59 | $-1.15 | ||
| Q1 25 | $0.68 | $-0.09 | ||
| Q4 24 | $0.76 | $-0.04 | ||
| Q3 24 | $0.89 | $0.03 | ||
| Q2 24 | $0.82 | $-0.04 |
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 | $82.9M | $115.7M |
| 总债务越低越好 | $691.3M | $280.1M |
| 股东权益账面价值 | $1.2B | $484.4M |
| 总资产 | $9.6B | $1.2B |
| 负债/权益比越低杠杆越低 | 0.57× | 0.58× |
8季度趋势，按日历期对齐
现金及短期投资PEBORPAY
| Q1 26 | $82.9M | — | ||
| Q4 25 | $189.0M | $115.7M | ||
| Q3 25 | $190.2M | $95.7M | ||
| Q2 25 | $186.1M | $162.6M | ||
| Q1 25 | $187.0M | $165.5M | ||
| Q4 24 | $217.7M | $189.5M | ||
| Q3 24 | $283.7M | $168.7M | ||
| Q2 24 | $235.9M | $147.1M |
总债务PEBORPAY
| Q1 26 | $691.3M | — | ||
| Q4 25 | $204.1M | $280.1M | ||
| Q3 25 | $227.3M | $279.5M | ||
| Q2 25 | $232.4M | $279.0M | ||
| Q1 25 | $237.0M | $497.6M | ||
| Q4 24 | $238.1M | $496.8M | ||
| Q3 24 | $236.8M | $496.2M | ||
| Q2 24 | $234.3M | $435.6M |
股东权益PEBORPAY
| Q1 26 | $1.2B | — | ||
| Q4 25 | $1.2B | $484.4M | ||
| Q3 25 | $1.2B | $616.9M | ||
| Q2 25 | $1.2B | $633.7M | ||
| Q1 25 | $1.1B | $755.7M | ||
| Q4 24 | $1.1B | $761.3M | ||
| Q3 24 | $1.1B | $754.7M | ||
| Q2 24 | $1.1B | $815.4M |
总资产PEBORPAY
| Q1 26 | $9.6B | — | ||
| Q4 25 | $9.6B | $1.2B | ||
| Q3 25 | $9.6B | $1.3B | ||
| Q2 25 | $9.5B | $1.4B | ||
| Q1 25 | $9.2B | $1.5B | ||
| Q4 24 | $9.3B | $1.6B | ||
| Q3 24 | $9.1B | $1.6B | ||
| Q2 24 | $9.2B | $1.5B |
负债/权益比PEBORPAY
| Q1 26 | 0.57× | — | ||
| Q4 25 | 0.17× | 0.58× | ||
| Q3 25 | 0.19× | 0.45× | ||
| Q2 25 | 0.20× | 0.44× | ||
| Q1 25 | 0.21× | 0.66× | ||
| Q4 24 | 0.21× | 0.65× | ||
| Q3 24 | 0.21× | 0.66× | ||
| Q2 24 | 0.22× | 0.53× |
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 | — | $23.3M |
| 自由现金流经营现金流 - 资本支出 | — | $23.2M |
| 自由现金流率自由现金流/营收 | — | 29.6% |
| 资本支出强度资本支出/营收 | — | 0.1% |
| 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 | — | $90.7M |
8季度趋势，按日历期对齐
经营现金流PEBORPAY
| Q1 26 | — | — | ||
| Q4 25 | $134.7M | $23.3M | ||
| Q3 25 | $14.4M | $32.2M | ||
| Q2 25 | $50.7M | $33.1M | ||
| Q1 25 | $34.3M | $2.5M | ||
| Q4 24 | $143.2M | $34.3M | ||
| Q3 24 | $34.1M | $60.1M | ||
| Q2 24 | $32.1M | $31.0M |
自由现金流PEBORPAY
| Q1 26 | — | — | ||
| Q4 25 | $128.7M | $23.2M | ||
| Q3 25 | $12.7M | $32.1M | ||
| Q2 25 | $49.2M | $33.0M | ||
| Q1 25 | $31.5M | $2.4M | ||
| Q4 24 | $136.4M | $34.0M | ||
| Q3 24 | $33.2M | $59.8M | ||
| Q2 24 | $30.2M | $30.5M |
自由现金流率PEBORPAY
| Q1 26 | — | — | ||
| Q4 25 | 109.7% | 29.6% | ||
| Q3 25 | 11.0% | 41.3% | ||
| Q2 25 | 43.0% | 43.6% | ||
| Q1 25 | 28.1% | 3.0% | ||
| Q4 24 | 122.2% | 43.5% | ||
| Q3 24 | 29.2% | 75.6% | ||
| Q2 24 | 27.4% | 40.7% |
资本支出强度PEBORPAY
| Q1 26 | — | — | ||
| Q4 25 | 5.1% | 0.1% | ||
| Q3 25 | 1.5% | 0.2% | ||
| Q2 25 | 1.3% | 0.1% | ||
| Q1 25 | 2.4% | 0.2% | ||
| Q4 24 | 6.1% | 0.3% | ||
| Q3 24 | 0.8% | 0.3% | ||
| Q2 24 | 1.7% | 0.6% |
现金转化率PEBORPAY
| Q1 26 | — | — | ||
| Q4 25 | 4.24× | — | ||
| Q3 25 | 0.49× | — | ||
| Q2 25 | 2.39× | — | ||
| Q1 25 | 1.41× | — | ||
| Q4 24 | 5.32× | — | ||
| Q3 24 | 1.08× | 18.52× | ||
| Q2 24 | 1.11× | — |
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
PEBO
| Net Interest Income | $90.4M | 76% |
| Noninterest Income | $28.3M | 24% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
