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REPUBLIC BANCORP INC（RBCAA）与道富集团（STT）财务数据对比。点击上方公司名可切换其他公司
道富集团的季度营收约是REPUBLIC BANCORP INC的38.9倍（$3.7B vs $94.3M），REPUBLIC BANCORP INC净利率更高（24.2% vs 20.4%，领先3.8%），道富集团同比增速更快（7.5% vs 5.3%），道富集团自由现金流更多（$9.8B vs $161.1M），过去两年道富集团的营收复合增速更高（8.1% vs -11.5%）
肯塔基州共和银行是美国的一家区域性银行控股企业，提供零售及商业银行全品类服务，涵盖个人存贷款、企业融资、按揭产品及财富管理解决方案，主要服务肯塔基州及周边州的个人消费者和中小企业客户。
道富集团是总部位于美国波士顿的跨国金融服务及银行控股公司，历史可追溯至1792年成立的联合银行，是美国运营历史第二悠久的存续银行。作为全球顶尖的资产管理与托管机构，截至2025年第三季度，其管理资产规模约5.4万亿美元，托管及管理资产总规模达51.7万亿美元。
RBCAA vs STT — 直观对比
营收规模更大
STT
是对方的38.9倍
$94.3M
营收增速更快
STT
高出2.2%
5.3%
净利率更高
RBCAA
高出3.8%
20.4%
自由现金流更多
STT
多$9.6B
$161.1M
两年增速更快
STT
近两年复合增速
-11.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $94.3M | $3.7B |
| 净利润 | $22.8M | $747.0M |
| 毛利率 | — | — |
| 营业利润率 | 29.3% | 25.0% |
| 净利率 | 24.2% | 20.4% |
| 营收同比 | 5.3% | 7.5% |
| 净利润同比 | 20.0% | -4.6% |
| 每股收益（稀释后） | — | $2.41 |
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RBCAASTT
| Q4 25 | $94.3M | $3.7B | ||
| Q3 25 | $93.5M | $3.5B | ||
| Q2 25 | $93.8M | $3.4B | ||
| Q1 25 | $135.8M | $3.3B | ||
| Q4 24 | $89.5M | $3.4B | ||
| Q3 24 | $88.1M | $3.3B | ||
| Q2 24 | $86.9M | $3.2B | ||
| Q1 24 | $120.3M | $3.1B |
净利润RBCAASTT
| Q4 25 | $22.8M | $747.0M | ||
| Q3 25 | $29.7M | $861.0M | ||
| Q2 25 | $31.5M | $693.0M | ||
| Q1 25 | $47.3M | $644.0M | ||
| Q4 24 | $19.0M | $783.0M | ||
| Q3 24 | $26.5M | $730.0M | ||
| Q2 24 | $25.2M | $711.0M | ||
| Q1 24 | $30.6M | $463.0M |
营业利润率RBCAASTT
| Q4 25 | 29.3% | 25.0% | ||
| Q3 25 | 40.4% | 31.1% | ||
| Q2 25 | 43.0% | 25.8% | ||
| Q1 25 | 44.1% | 25.0% | ||
| Q4 24 | 25.8% | 28.1% | ||
| Q3 24 | 38.4% | 28.4% | ||
| Q2 24 | 37.0% | 28.6% | ||
| Q1 24 | 32.2% | 19.1% |
净利率RBCAASTT
| Q4 25 | 24.2% | 20.4% | ||
| Q3 25 | 31.8% | 24.3% | ||
| Q2 25 | 33.5% | 20.1% | ||
| Q1 25 | 34.8% | 19.6% | ||
| Q4 24 | 21.2% | 22.9% | ||
| Q3 24 | 30.1% | 22.4% | ||
| Q2 24 | 29.0% | 22.3% | ||
| Q1 24 | 25.4% | 14.8% |
每股收益（稀释后）RBCAASTT
| Q4 25 | — | $2.41 | ||
| Q3 25 | — | $2.78 | ||
| Q2 25 | — | $2.17 | ||
| Q1 25 | — | $2.04 | ||
| Q4 24 | — | $2.43 | ||
| Q3 24 | — | $2.26 | ||
| Q2 24 | — | $2.15 | ||
| Q1 24 | — | $1.37 |
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 | $220.0M | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.1B | $27.8B |
| 总资产 | $7.0B | $366.0B |
| 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RBCAASTT
| Q4 25 | $220.0M | — | ||
| Q3 25 | $484.2M | — | ||
| Q2 25 | $484.8M | — | ||
| Q1 25 | $793.0M | — | ||
| Q4 24 | $432.2M | — | ||
| Q3 24 | $530.9M | — | ||
| Q2 24 | $400.1M | — | ||
| Q1 24 | $546.4M | — |
股东权益RBCAASTT
| Q4 25 | $1.1B | $27.8B | ||
| Q3 25 | $1.1B | $27.6B | ||
| Q2 25 | $1.1B | $27.3B | ||
| Q1 25 | $1.0B | $26.7B | ||
| Q4 24 | $992.0M | $25.3B | ||
| Q3 24 | $979.7M | $25.8B | ||
| Q2 24 | $955.4M | $24.8B | ||
| Q1 24 | $935.6M | $24.4B |
总资产RBCAASTT
| Q4 25 | $7.0B | $366.0B | ||
| Q3 25 | $7.0B | $371.1B | ||
| Q2 25 | $7.0B | $376.7B | ||
| Q1 25 | $7.1B | $372.7B | ||
| Q4 24 | $6.8B | $353.2B | ||
| Q3 24 | $6.7B | $338.5B | ||
| Q2 24 | $6.6B | $325.6B | ||
| Q1 24 | $6.9B | $338.0B |
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 | $168.2M | $10.0B |
| 自由现金流经营现金流 - 资本支出 | $161.1M | $9.8B |
| 自由现金流率自由现金流/营收 | 170.9% | 266.6% |
| 资本支出强度资本支出/营收 | 7.5% | 7.3% |
| 现金转化率经营现金流/净利润 | 7.37× | 13.44× |
| 过去12个月自由现金流最近4个季度 | $288.6M | $10.8B |
8季度趋势，按日历期对齐
经营现金流RBCAASTT
| Q4 25 | $168.2M | $10.0B | ||
| Q3 25 | $33.3M | $7.9B | ||
| Q2 25 | $8.4M | $-8.4B | ||
| Q1 25 | $93.2M | $2.4B | ||
| Q4 24 | $149.0M | $-7.4B | ||
| Q3 24 | $51.3M | $2.7B | ||
| Q2 24 | $4.0M | $-7.6B | ||
| Q1 24 | $71.2M | $-844.0M |
自由现金流RBCAASTT
| Q4 25 | $161.1M | $9.8B | ||
| Q3 25 | $30.8M | $7.7B | ||
| Q2 25 | $5.2M | $-8.8B | ||
| Q1 25 | $91.6M | $2.2B | ||
| Q4 24 | $143.2M | $-7.7B | ||
| Q3 24 | $49.8M | $2.5B | ||
| Q2 24 | $2.7M | $-7.9B | ||
| Q1 24 | $69.1M | $-1.1B |
自由现金流率RBCAASTT
| Q4 25 | 170.9% | 266.6% | ||
| Q3 25 | 32.9% | 216.0% | ||
| Q2 25 | 5.5% | -254.1% | ||
| Q1 25 | 67.4% | 66.1% | ||
| Q4 24 | 160.0% | -225.1% | ||
| Q3 24 | 56.5% | 75.9% | ||
| Q2 24 | 3.1% | -246.2% | ||
| Q1 24 | 57.5% | -34.2% |
资本支出强度RBCAASTT
| Q4 25 | 7.5% | 7.3% | ||
| Q3 25 | 2.6% | 6.9% | ||
| Q2 25 | 3.5% | 9.3% | ||
| Q1 25 | 1.2% | 6.9% | ||
| Q4 24 | 6.5% | 7.3% | ||
| Q3 24 | 1.7% | 7.2% | ||
| Q2 24 | 1.5% | 6.7% | ||
| Q1 24 | 1.7% | 7.3% |
现金转化率RBCAASTT
| Q4 25 | 7.37× | 13.44× | ||
| Q3 25 | 1.12× | 9.18× | ||
| Q2 25 | 0.27× | -12.18× | ||
| Q1 25 | 1.97× | 3.72× | ||
| Q4 24 | 7.84× | -9.49× | ||
| Q3 24 | 1.93× | 3.71× | ||
| Q2 24 | 0.16× | -10.75× | ||
| Q1 24 | 2.33× | -1.82× |
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
RBCAA
暂无分部数据
STT
| Other | $2.2B | 59% |
| Investment Management | $729.0M | 20% |
| Management Services | $662.0M | 18% |
| Other Fee Revenue | $56.0M | 2% |
| Securities Financing Services | $54.0M | 1% |
