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Richmond Mutual Bancorporation, Inc.（RMBI）与RETRACTABLE TECHNOLOGIES INC（RVP）财务数据对比。点击上方公司名可切换其他公司
Richmond Mutual Bancorporation, Inc.的季度营收约是RETRACTABLE TECHNOLOGIES INC的1.4倍（$13.1M vs $9.4M），Richmond Mutual Bancorporation, Inc.净利率更高（26.1% vs -24.9%，领先51.0%），Richmond Mutual Bancorporation, Inc.同比增速更快（18.1% vs 4.0%），过去两年RETRACTABLE TECHNOLOGIES INC的营收复合增速更高（11.5% vs 9.1%）
里士满互惠银行控股公司是总部位于美国印第安纳州的银行控股企业，为个人及中小企业客户提供储蓄账户、按揭贷款、商业信贷、财富管理等全方位金融服务，覆盖当地零售及对公客户群体。
Retractable Technologies Inc是一家专业医疗设备制造商，主打可回缩注射器、安全针头、静脉导管等一次性安全医疗产品，客户覆盖医疗机构、制药企业及公共卫生部门，产品可有效降低医护人员与患者的针刺伤害风险。
RMBI vs RVP — 直观对比
营收规模更大
RMBI
是对方的1.4倍
$9.4M
营收增速更快
RMBI
高出14.0%
4.0%
净利率更高
RMBI
高出51.0%
-24.9%
两年增速更快
RVP
近两年复合增速
9.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $13.1M | $9.4M |
| 净利润 | $3.4M | $-2.3M |
| 毛利率 | — | -16.2% |
| 营业利润率 | — | -81.7% |
| 净利率 | 26.1% | -24.9% |
| 营收同比 | 18.1% | 4.0% |
| 净利润同比 | 37.7% | -162.3% |
| 每股收益（稀释后） | $0.35 | $-0.09 |
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RMBIRVP
| Q4 25 | $13.1M | $9.4M | ||
| Q3 25 | $12.6M | $10.1M | ||
| Q2 25 | $11.8M | $10.4M | ||
| Q1 25 | $11.4M | $8.3M | ||
| Q4 24 | $11.1M | $9.1M | ||
| Q3 24 | $10.8M | $10.3M | ||
| Q2 24 | $10.7M | $6.0M | ||
| Q1 24 | $11.0M | $7.6M |
净利润RMBIRVP
| Q4 25 | $3.4M | $-2.3M | ||
| Q3 25 | $3.6M | $371.0K | ||
| Q2 25 | $2.6M | $-87.5K | ||
| Q1 25 | $2.0M | $-10.5M | ||
| Q4 24 | $2.5M | $3.8M | ||
| Q3 24 | $2.5M | $-1.9M | ||
| Q2 24 | $2.1M | $-14.2M | ||
| Q1 24 | $2.4M | $429.4K |
毛利率RMBIRVP
| Q4 25 | — | -16.2% | ||
| Q3 25 | — | 16.7% | ||
| Q2 25 | — | -1.0% | ||
| Q1 25 | — | -0.0% | ||
| Q4 24 | — | -27.5% | ||
| Q3 24 | — | -0.1% | ||
| Q2 24 | — | -7.0% | ||
| Q1 24 | — | 25.0% |
营业利润率RMBIRVP
| Q4 25 | — | -81.7% | ||
| Q3 25 | — | -36.2% | ||
| Q2 25 | — | -49.1% | ||
| Q1 25 | — | -56.4% | ||
| Q4 24 | — | -79.6% | ||
| Q3 24 | — | -49.6% | ||
| Q2 24 | — | -95.6% | ||
| Q1 24 | — | -39.3% |
净利率RMBIRVP
| Q4 25 | 26.1% | -24.9% | ||
| Q3 25 | 28.6% | 3.7% | ||
| Q2 25 | 22.0% | -0.8% | ||
| Q1 25 | 17.2% | -126.6% | ||
| Q4 24 | 22.4% | 41.6% | ||
| Q3 24 | 23.0% | -18.6% | ||
| Q2 24 | 19.3% | -234.9% | ||
| Q1 24 | 21.6% | 5.7% |
每股收益（稀释后）RMBIRVP
| Q4 25 | $0.35 | $-0.09 | ||
| Q3 25 | $0.36 | $0.01 | ||
| Q2 25 | $0.26 | $0.00 | ||
| Q1 25 | $0.20 | $-0.35 | ||
| Q4 24 | $0.25 | $0.14 | ||
| Q3 24 | $0.24 | $-0.07 | ||
| Q2 24 | $0.20 | $-0.48 | ||
| Q1 24 | $0.23 | $0.01 |
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 | $33.1M | $2.6M |
| 总债务越低越好 | — | $895.6K |
| 股东权益账面价值 | $145.8M | $74.4M |
| 总资产 | $1.5B | $142.6M |
| 负债/权益比越低杠杆越低 | — | 0.01× |
8季度趋势，按日历期对齐
现金及短期投资RMBIRVP
| Q4 25 | $33.1M | $2.6M | ||
| Q3 25 | $34.3M | $3.4M | ||
| Q2 25 | $27.2M | $3.0M | ||
| Q1 25 | $27.0M | $3.4M | ||
| Q4 24 | $21.8M | $4.2M | ||
| Q3 24 | $19.6M | $3.9M | ||
| Q2 24 | $19.0M | $6.9M | ||
| Q1 24 | $20.3M | $10.0M |
总债务RMBIRVP
| Q4 25 | — | $895.6K | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $1.2M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益RMBIRVP
| Q4 25 | $145.8M | $74.4M | ||
| Q3 25 | $140.0M | $76.8M | ||
| Q2 25 | $132.3M | $76.5M | ||
| Q1 25 | $130.9M | $76.6M | ||
| Q4 24 | $132.9M | $87.2M | ||
| Q3 24 | $140.0M | $83.5M | ||
| Q2 24 | $131.1M | $85.4M | ||
| Q1 24 | $132.4M | $99.7M |
总资产RMBIRVP
| Q4 25 | $1.5B | $142.6M | ||
| Q3 25 | $1.5B | $146.4M | ||
| Q2 25 | $1.5B | $147.1M | ||
| Q1 25 | $1.5B | $149.3M | ||
| Q4 24 | $1.5B | $160.7M | ||
| Q3 24 | $1.5B | $157.8M | ||
| Q2 24 | $1.5B | $160.7M | ||
| Q1 24 | $1.5B | $176.0M |
负债/权益比RMBIRVP
| Q4 25 | — | 0.01× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.01× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $16.0M | $-596.5K |
| 自由现金流经营现金流 - 资本支出 | $14.6M | — |
| 自由现金流率自由现金流/营收 | 111.9% | — |
| 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 | 4.68× | — |
| 过去12个月自由现金流最近4个季度 | $26.7M | — |
8季度趋势，按日历期对齐
经营现金流RMBIRVP
| Q4 25 | $16.0M | $-596.5K | ||
| Q3 25 | $6.3M | $-1.3M | ||
| Q2 25 | $4.8M | $-3.7M | ||
| Q1 25 | $2.2M | $-1.5M | ||
| Q4 24 | $14.8M | $-1.1M | ||
| Q3 24 | $2.9M | $-5.7M | ||
| Q2 24 | $2.9M | $-2.7M | ||
| Q1 24 | $2.2M | $-2.0M |
自由现金流RMBIRVP
| Q4 25 | $14.6M | — | ||
| Q3 25 | $5.8M | $-1.3M | ||
| Q2 25 | $4.2M | $-4.1M | ||
| Q1 25 | $2.1M | $-1.6M | ||
| Q4 24 | $14.3M | $-1.4M | ||
| Q3 24 | $2.8M | $-6.5M | ||
| Q2 24 | $2.8M | $-2.8M | ||
| Q1 24 | $2.0M | $-2.2M |
自由现金流率RMBIRVP
| Q4 25 | 111.9% | — | ||
| Q3 25 | 46.2% | -13.4% | ||
| Q2 25 | 35.6% | -38.9% | ||
| Q1 25 | 18.4% | -18.8% | ||
| Q4 24 | 129.3% | -15.5% | ||
| Q3 24 | 25.7% | -63.0% | ||
| Q2 24 | 26.2% | -46.8% | ||
| Q1 24 | 18.7% | -29.6% |
资本支出强度RMBIRVP
| Q4 25 | 10.4% | — | ||
| Q3 25 | 3.7% | 0.9% | ||
| Q2 25 | 5.3% | 3.2% | ||
| Q1 25 | 0.7% | 1.0% | ||
| Q4 24 | 4.2% | 3.3% | ||
| Q3 24 | 1.1% | 7.7% | ||
| Q2 24 | 1.1% | 2.0% | ||
| Q1 24 | 1.1% | 3.0% |
现金转化率RMBIRVP
| Q4 25 | 4.68× | — | ||
| Q3 25 | 1.75× | -3.39× | ||
| Q2 25 | 1.86× | — | ||
| Q1 25 | 1.11× | — | ||
| Q4 24 | 5.96× | -0.29× | ||
| Q3 24 | 1.17× | — | ||
| Q2 24 | 1.42× | — | ||
| Q1 24 | 0.91× | -4.71× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
