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Rhinebeck Bancorp, Inc.（RBKB）与泛美白银（USAS）财务数据对比。点击上方公司名可切换其他公司
泛美白银的季度营收约是Rhinebeck Bancorp, Inc.的1.4倍（$19.1M vs $13.5M），Rhinebeck Bancorp, Inc.净利率更高（17.3% vs -82.3%，领先99.6%），Rhinebeck Bancorp, Inc.同比增速更快（1701.1% vs -28.0%），Rhinebeck Bancorp, Inc.自由现金流更多（$10.9M vs $-41.3M）
Rhinebeck Bancorp, Inc.是总部位于美国纽约的区域性银行控股企业，旗下运营莱茵贝克银行，主要面向纽约哈德逊谷地区的个人消费者与中小企业提供储蓄、贷款、抵押贷款、财富管理等零售及商业金融服务。
泛美白银是一家总部位于加拿大的矿业企业，业务布局集中在拉丁美洲，在墨西哥、秘鲁、玻利维亚、阿根廷多国持有运营矿山及其他矿产开发项目，是美洲地区重要的贵金属开采企业。
RBKB vs USAS — 直观对比
营收规模更大
USAS
是对方的1.4倍
$13.5M
营收增速更快
RBKB
高出1729.1%
-28.0%
净利率更高
RBKB
高出99.6%
-82.3%
自由现金流更多
RBKB
多$52.2M
$-41.3M
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $13.5M | $19.1M |
| 净利润 | $2.3M | $-15.7M |
| 毛利率 | — | 34.2% |
| 营业利润率 | 21.7% | — |
| 净利率 | 17.3% | -82.3% |
| 营收同比 | 1701.1% | -28.0% |
| 净利润同比 | 188.0% | 2.8% |
| 每股收益（稀释后） | $0.21 | — |
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RBKBUSAS
| Q4 25 | $13.5M | — | ||
| Q3 25 | $14.0M | $19.1M | ||
| Q2 25 | $13.1M | — | ||
| Q1 25 | $12.8M | — | ||
| Q4 24 | $750.0K | — | ||
| Q3 24 | $773.0K | $26.5M | ||
| Q2 24 | $10.7M | — | ||
| Q1 24 | $10.4M | — |
净利润RBKBUSAS
| Q4 25 | $2.3M | — | ||
| Q3 25 | $2.7M | $-15.7M | ||
| Q2 25 | $2.7M | — | ||
| Q1 25 | $2.3M | — | ||
| Q4 24 | $-2.7M | — | ||
| Q3 24 | $-8.1M | $-16.2M | ||
| Q2 24 | $975.0K | — | ||
| Q1 24 | $1.1M | — |
毛利率RBKBUSAS
| Q4 25 | — | — | ||
| Q3 25 | — | 34.2% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 23.6% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
营业利润率RBKBUSAS
| Q4 25 | 21.7% | — | ||
| Q3 25 | 23.9% | — | ||
| Q2 25 | 26.6% | — | ||
| Q1 25 | 22.9% | — | ||
| Q4 24 | -444.9% | — | ||
| Q3 24 | -1332.3% | — | ||
| Q2 24 | 11.8% | — | ||
| Q1 24 | 13.9% | — |
净利率RBKBUSAS
| Q4 25 | 17.3% | — | ||
| Q3 25 | 19.3% | -82.3% | ||
| Q2 25 | 20.8% | — | ||
| Q1 25 | 17.9% | — | ||
| Q4 24 | -353.9% | — | ||
| Q3 24 | -1042.9% | -60.9% | ||
| Q2 24 | 9.2% | — | ||
| Q1 24 | 10.8% | — |
每股收益（稀释后）RBKBUSAS
| Q4 25 | $0.21 | — | ||
| Q3 25 | $0.25 | — | ||
| Q2 25 | $0.25 | — | ||
| Q1 25 | $0.21 | — | ||
| Q4 24 | $-0.24 | — | ||
| Q3 24 | $-0.75 | — | ||
| Q2 24 | $0.09 | — | ||
| Q1 24 | $0.10 | — |
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 | — | $39.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $136.9M | $50.2M |
| 总资产 | $1.3B | $234.7M |
| 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RBKBUSAS
| Q4 25 | — | — | ||
| Q3 25 | — | $39.1M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益RBKBUSAS
| Q4 25 | $136.9M | — | ||
| Q3 25 | $133.0M | $50.2M | ||
| Q2 25 | $129.0M | — | ||
| Q1 25 | $126.0M | — | ||
| Q4 24 | $121.8M | — | ||
| Q3 24 | $122.7M | $53.1M | ||
| Q2 24 | $116.2M | — | ||
| Q1 24 | $114.3M | — |
总资产RBKBUSAS
| Q4 25 | $1.3B | — | ||
| Q3 25 | $1.3B | $234.7M | ||
| Q2 25 | $1.3B | — | ||
| Q1 25 | $1.3B | — | ||
| Q4 24 | $1.3B | — | ||
| Q3 24 | $1.3B | — | ||
| Q2 24 | $1.3B | — | ||
| Q1 24 | $1.3B | — |
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 | $11.7M | $-12.5M |
| 自由现金流经营现金流 - 资本支出 | $10.9M | $-41.3M |
| 自由现金流率自由现金流/营收 | 80.6% | -216.5% |
| 资本支出强度资本支出/营收 | 6.3% | 150.8% |
| 现金转化率经营现金流/净利润 | 5.03× | — |
| 过去12个月自由现金流最近4个季度 | $19.4M | — |
8季度趋势，按日历期对齐
经营现金流RBKBUSAS
| Q4 25 | $11.7M | — | ||
| Q3 25 | $2.2M | $-12.5M | ||
| Q2 25 | $2.4M | — | ||
| Q1 25 | $4.3M | — | ||
| Q4 24 | $8.5M | — | ||
| Q3 24 | $-3.6M | $2.4M | ||
| Q2 24 | $12.0M | — | ||
| Q1 24 | $-3.5M | — |
自由现金流RBKBUSAS
| Q4 25 | $10.9M | — | ||
| Q3 25 | $2.0M | $-41.3M | ||
| Q2 25 | $2.2M | — | ||
| Q1 25 | $4.2M | — | ||
| Q4 24 | $7.7M | — | ||
| Q3 24 | $-3.6M | $-11.2M | ||
| Q2 24 | $11.8M | — | ||
| Q1 24 | $-3.7M | — |
自由现金流率RBKBUSAS
| Q4 25 | 80.6% | — | ||
| Q3 25 | 14.5% | -216.5% | ||
| Q2 25 | 17.2% | — | ||
| Q1 25 | 32.8% | — | ||
| Q4 24 | 1023.9% | — | ||
| Q3 24 | -469.0% | -42.2% | ||
| Q2 24 | 111.1% | — | ||
| Q1 24 | -36.0% | — |
资本支出强度RBKBUSAS
| Q4 25 | 6.3% | — | ||
| Q3 25 | 1.4% | 150.8% | ||
| Q2 25 | 1.4% | — | ||
| Q1 25 | 0.9% | — | ||
| Q4 24 | 105.5% | — | ||
| Q3 24 | 6.3% | 51.2% | ||
| Q2 24 | 1.2% | — | ||
| Q1 24 | 2.3% | — |
现金转化率RBKBUSAS
| Q4 25 | 5.03× | — | ||
| Q3 25 | 0.83× | — | ||
| Q2 25 | 0.89× | — | ||
| Q1 25 | 1.89× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 12.27× | — | ||
| Q1 24 | -3.12× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
