vs
Concrete Pumping Holdings, Inc.（BBCP）与PATHWARD FINANCIAL, INC.（CASH）财务数据对比。点击上方公司名可切换其他公司
PATHWARD FINANCIAL, INC.的季度营收约是Concrete Pumping Holdings, Inc.的1.8倍（$173.1M vs $98.9M），PATHWARD FINANCIAL, INC.净利率更高（20.3% vs 5.4%，领先14.9%），PATHWARD FINANCIAL, INC.同比增速更快（-0.2% vs -3.2%），PATHWARD FINANCIAL, INC.自由现金流更多（$104.1M vs $1.9M），过去两年Concrete Pumping Holdings, Inc.的营收复合增速更高（4.8% vs -18.0%）
Concrete Pumping Holdings, Inc.是领先的混凝土泵送服务及相关设备租赁供应商，主要面向美国和英国市场，业务覆盖基础设施建设、商业地产开发、住宅建造等核心建筑领域，为各类项目提供高效安全的混凝土输送解决方案。
Pathward Financial, Inc.是一家总部位于美国的银行及金融服务企业，其前身为Meta金融集团旗下相关业务主体，2022年母公司将“Meta”商标出售给Meta Platforms后，正式启用现有名称。
BBCP vs CASH — 直观对比
营收规模更大
CASH
是对方的1.8倍
$98.9M
营收增速更快
CASH
高出2.9%
-3.2%
净利率更高
CASH
高出14.9%
5.4%
自由现金流更多
CASH
多$102.2M
$1.9M
两年增速更快
BBCP
近两年复合增速
-18.0%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $98.9M | $173.1M |
| 净利润 | $5.3M | $35.2M |
| 毛利率 | 43.8% | — |
| 营业利润率 | 17.0% | 24.6% |
| 净利率 | 5.4% | 20.3% |
| 营收同比 | -3.2% | -0.2% |
| 净利润同比 | -43.6% | 11.9% |
| 每股收益（稀释后） | $0.09 | $1.57 |
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BBCPCASH
| Q4 25 | $98.9M | $173.1M | ||
| Q3 25 | $94.2M | $186.7M | ||
| Q2 25 | $85.2M | $195.8M | ||
| Q1 25 | $78.0M | $274.8M | ||
| Q4 24 | $102.1M | $182.6M | ||
| Q3 24 | $100.6M | $179.5M | ||
| Q2 24 | $98.7M | $188.6M | ||
| Q1 24 | $90.0M | $257.6M |
净利润BBCPCASH
| Q4 25 | $5.3M | $35.2M | ||
| Q3 25 | $3.7M | $38.8M | ||
| Q2 25 | $-4.0K | $42.1M | ||
| Q1 25 | $-2.6M | $75.0M | ||
| Q4 24 | $9.4M | $30.0M | ||
| Q3 24 | $7.6M | $33.5M | ||
| Q2 24 | $3.0M | $44.9M | ||
| Q1 24 | $-3.8M | $69.9M |
毛利率BBCPCASH
| Q4 25 | 43.8% | — | ||
| Q3 25 | 42.9% | — | ||
| Q2 25 | 42.5% | — | ||
| Q1 25 | 40.0% | — | ||
| Q4 24 | 45.3% | — | ||
| Q3 24 | 44.3% | — | ||
| Q2 24 | 42.3% | — | ||
| Q1 24 | 37.0% | — |
营业利润率BBCPCASH
| Q4 25 | 17.0% | 24.6% | ||
| Q3 25 | 13.7% | 25.9% | ||
| Q2 25 | 9.7% | 24.1% | ||
| Q1 25 | 4.5% | 33.2% | ||
| Q4 24 | 18.8% | 19.8% | ||
| Q3 24 | 16.5% | 20.9% | ||
| Q2 24 | 12.2% | 27.1% | ||
| Q1 24 | 1.6% | 33.8% |
净利率BBCPCASH
| Q4 25 | 5.4% | 20.3% | ||
| Q3 25 | 3.9% | 20.8% | ||
| Q2 25 | -0.0% | 21.5% | ||
| Q1 25 | -3.4% | 27.3% | ||
| Q4 24 | 9.2% | 16.4% | ||
| Q3 24 | 7.5% | 18.7% | ||
| Q2 24 | 3.1% | 23.8% | ||
| Q1 24 | -4.3% | 27.1% |
每股收益（稀释后）BBCPCASH
| Q4 25 | $0.09 | $1.57 | ||
| Q3 25 | $0.07 | $1.69 | ||
| Q2 25 | $-0.01 | $1.81 | ||
| Q1 25 | $-0.06 | $3.14 | ||
| Q4 24 | $0.16 | $1.23 | ||
| Q3 24 | $0.13 | $1.34 | ||
| Q2 24 | $0.05 | $1.78 | ||
| Q1 24 | $-0.08 | $2.74 |
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 | $44.4M | $331.2M |
| 总债务越低越好 | $417.9M | $33.5M |
| 股东权益账面价值 | $264.8M | $854.5M |
| 总资产 | $879.5M | $7.6B |
| 负债/权益比越低杠杆越低 | 1.58× | 0.04× |
8季度趋势，按日历期对齐
现金及短期投资BBCPCASH
| Q4 25 | $44.4M | $331.2M | ||
| Q3 25 | $41.0M | $120.6M | ||
| Q2 25 | $37.8M | $258.3M | ||
| Q1 25 | $85.1M | $254.2M | ||
| Q4 24 | $43.0M | $597.4M | ||
| Q3 24 | $26.3M | $158.3M | ||
| Q2 24 | $18.0M | $298.9M | ||
| Q1 24 | $14.7M | $347.9M |
总债务BBCPCASH
| Q4 25 | $417.9M | $33.5M | ||
| Q3 25 | $417.6M | $33.5M | ||
| Q2 25 | $417.3M | $33.4M | ||
| Q1 25 | $417.1M | $33.4M | ||
| Q4 24 | $373.3M | $33.4M | ||
| Q3 24 | $372.9M | $33.4M | ||
| Q2 24 | $372.6M | $33.3M | ||
| Q1 24 | $372.2M | $33.4M |
股东权益BBCPCASH
| Q4 25 | $264.8M | $854.5M | ||
| Q3 25 | $261.3M | $858.0M | ||
| Q2 25 | $261.8M | $819.0M | ||
| Q1 25 | $260.7M | $814.7M | ||
| Q4 24 | $321.7M | $758.3M | ||
| Q3 24 | $314.7M | $822.5M | ||
| Q2 24 | $308.3M | $748.4M | ||
| Q1 24 | $307.9M | $719.5M |
总资产BBCPCASH
| Q4 25 | $879.5M | $7.6B | ||
| Q3 25 | $886.0M | $7.2B | ||
| Q2 25 | $878.8M | $7.2B | ||
| Q1 25 | $912.9M | $7.0B | ||
| Q4 24 | $898.0M | $7.6B | ||
| Q3 24 | $890.8M | $7.5B | ||
| Q2 24 | $894.7M | $7.5B | ||
| Q1 24 | $894.8M | $7.4B |
负债/权益比BBCPCASH
| Q4 25 | 1.58× | 0.04× | ||
| Q3 25 | 1.60× | 0.04× | ||
| Q2 25 | 1.59× | 0.04× | ||
| Q1 25 | 1.60× | 0.04× | ||
| Q4 24 | 1.16× | 0.04× | ||
| Q3 24 | 1.19× | 0.04× | ||
| Q2 24 | 1.21× | 0.04× | ||
| Q1 24 | 1.21× | 0.05× |
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 | $14.5M | $108.3M |
| 自由现金流经营现金流 - 资本支出 | $1.9M | $104.1M |
| 自由现金流率自由现金流/营收 | 1.9% | 60.1% |
| 资本支出强度资本支出/营收 | 12.7% | 2.4% |
| 现金转化率经营现金流/净利润 | 2.72× | 3.08× |
| 过去12个月自由现金流最近4个季度 | $17.5M | $616.8M |
8季度趋势，按日历期对齐
经营现金流BBCPCASH
| Q4 25 | $14.5M | $108.3M | ||
| Q3 25 | $19.1M | $303.7M | ||
| Q2 25 | $24.7M | $30.4M | ||
| Q1 25 | $6.0M | $188.3M | ||
| Q4 24 | $22.4M | $-71.7M | ||
| Q3 24 | $35.0M | $143.1M | ||
| Q2 24 | $9.1M | $113.2M | ||
| Q1 24 | $20.3M | $203.0M |
自由现金流BBCPCASH
| Q4 25 | $1.9M | $104.1M | ||
| Q3 25 | $4.3M | $300.3M | ||
| Q2 25 | $11.1M | $27.7M | ||
| Q1 25 | $191.0K | $184.7M | ||
| Q4 24 | $16.1M | $-73.8M | ||
| Q3 24 | $26.4M | $138.8M | ||
| Q2 24 | $-1.9M | $111.0M | ||
| Q1 24 | $2.5M | $201.3M |
自由现金流率BBCPCASH
| Q4 25 | 1.9% | 60.1% | ||
| Q3 25 | 4.6% | 160.9% | ||
| Q2 25 | 13.0% | 14.1% | ||
| Q1 25 | 0.2% | 67.2% | ||
| Q4 24 | 15.8% | -40.4% | ||
| Q3 24 | 26.2% | 77.3% | ||
| Q2 24 | -1.9% | 58.8% | ||
| Q1 24 | 2.8% | 78.1% |
资本支出强度BBCPCASH
| Q4 25 | 12.7% | 2.4% | ||
| Q3 25 | 15.7% | 1.8% | ||
| Q2 25 | 16.0% | 1.4% | ||
| Q1 25 | 7.5% | 1.3% | ||
| Q4 24 | 6.2% | 1.1% | ||
| Q3 24 | 8.6% | 2.4% | ||
| Q2 24 | 11.2% | 1.2% | ||
| Q1 24 | 19.7% | 0.7% |
现金转化率BBCPCASH
| Q4 25 | 2.72× | 3.08× | ||
| Q3 25 | 5.16× | 7.83× | ||
| Q2 25 | — | 0.72× | ||
| Q1 25 | — | 2.51× | ||
| Q4 24 | 2.38× | -2.39× | ||
| Q3 24 | 4.63× | 4.27× | ||
| Q2 24 | 3.00× | 2.52× | ||
| Q1 24 | — | 2.90× |
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
BBCP
| US Concrete Pumping | $72.2M | 73% |
| US Concrete Waste Management Services | $21.3M | 22% |
| Other | $5.4M | 5% |
CASH
| Consumer | $103.0M | 59% |
| Payment Card And Deposit Fees | $30.1M | 17% |
| Other | $24.2M | 14% |
| Rental Income | $11.6M | 7% |
| Commercial | $4.2M | 2% |
