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Bank First Corp（BFC）与CANTALOUPE, INC.（CTLP）财务数据对比。点击上方公司名可切换其他公司
CANTALOUPE, INC.的季度营收约是Bank First Corp的1.8倍（$78.7M vs $44.9M），Bank First Corp净利率更高（45.8% vs -0.1%，领先45.9%），Bank First Corp同比增速更快（12.1% vs 6.8%），Bank First Corp自由现金流更多（$51.0M vs $-614.0K），过去两年Bank First Corp的营收复合增速更高（9.1% vs 7.7%）
First Horizon Corporation（前身为田纳西第一银行）是一家成立于1864年、总部位于美国田纳西州孟菲斯的金融服务企业。通过旗下子公司First Horizon银行，其业务覆盖美国东南部12个州，是该区域第四大区域性银行。
坎塔卢波（原美国技术公司）是一家美国科技企业，核心业务为ePort无现金支付受理技术，依托持专利的PCI合规ePort Connect服务开展运营。该服务可通过无线方式为消费者提供信用卡、借记卡以及Apple Pay、Google Pay等NFC钱包支付选项，同时为运营商提供遥测与机器间通信服务，ePort技术主要应用于...
BFC vs CTLP — 直观对比
营收规模更大
CTLP
是对方的1.8倍
$44.9M
营收增速更快
BFC
高出5.3%
6.8%
净利率更高
BFC
高出45.9%
-0.1%
自由现金流更多
BFC
多$51.7M
$-614.0K
两年增速更快
BFC
近两年复合增速
7.7%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $44.9M | $78.7M |
| 净利润 | $18.4M | $-70.0K |
| 毛利率 | — | — |
| 营业利润率 | 51.0% | 2.0% |
| 净利率 | 45.8% | -0.1% |
| 营收同比 | 12.1% | 6.8% |
| 净利润同比 | 4.8% | -101.4% |
| 每股收益（稀释后） | $1.87 | $0.00 |
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BFCCTLP
| Q4 25 | $44.9M | $78.7M | ||
| Q3 25 | $44.2M | $80.9M | ||
| Q2 25 | $41.6M | $82.6M | ||
| Q1 25 | $43.1M | $75.4M | ||
| Q4 24 | $40.1M | $73.7M | ||
| Q3 24 | $40.8M | $70.8M | ||
| Q2 24 | $38.9M | $72.7M | ||
| Q1 24 | $37.7M | $67.9M |
净利润BFCCTLP
| Q4 25 | $18.4M | $-70.0K | ||
| Q3 25 | $18.0M | $-919.0K | ||
| Q2 25 | $16.9M | $6.8M | ||
| Q1 25 | $18.2M | $49.2M | ||
| Q4 24 | $17.5M | $5.0M | ||
| Q3 24 | $16.6M | $3.6M | ||
| Q2 24 | $16.1M | $2.2M | ||
| Q1 24 | $15.4M | $4.7M |
毛利率BFCCTLP
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 39.6% |
营业利润率BFCCTLP
| Q4 25 | 51.0% | 2.0% | ||
| Q3 25 | 50.8% | 2.0% | ||
| Q2 25 | 49.7% | 6.3% | ||
| Q1 25 | 51.3% | 9.1% | ||
| Q4 24 | 54.4% | 8.4% | ||
| Q3 24 | 50.7% | 5.8% | ||
| Q2 24 | 51.0% | 4.9% | ||
| Q1 24 | 45.6% | 6.3% |
净利率BFCCTLP
| Q4 25 | 45.8% | -0.1% | ||
| Q3 25 | 40.7% | -1.1% | ||
| Q2 25 | 40.5% | 8.3% | ||
| Q1 25 | 42.3% | 65.2% | ||
| Q4 24 | 49.3% | 6.7% | ||
| Q3 24 | 40.6% | 5.0% | ||
| Q2 24 | 41.3% | 3.0% | ||
| Q1 24 | 40.8% | 6.9% |
每股收益（稀释后）BFCCTLP
| Q4 25 | $1.87 | $0.00 | ||
| Q3 25 | $1.83 | $-0.02 | ||
| Q2 25 | $1.71 | $0.10 | ||
| Q1 25 | $1.82 | $0.65 | ||
| Q4 24 | $1.75 | $0.07 | ||
| Q3 24 | $1.65 | $0.04 | ||
| Q2 24 | $1.59 | $0.03 | ||
| Q1 24 | $1.51 | $0.06 |
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 | $243.2M | $53.0M |
| 总债务越低越好 | — | $37.7M |
| 股东权益账面价值 | $643.8M | $252.5M |
| 总资产 | $4.5B | $381.9M |
| 负债/权益比越低杠杆越低 | — | 0.15× |
8季度趋势，按日历期对齐
现金及短期投资BFCCTLP
| Q4 25 | $243.2M | $53.0M | ||
| Q3 25 | $126.2M | $55.0M | ||
| Q2 25 | $120.3M | $51.1M | ||
| Q1 25 | $300.9M | $46.3M | ||
| Q4 24 | $261.3M | $27.7M | ||
| Q3 24 | $204.4M | $33.1M | ||
| Q2 24 | $99.0M | $58.9M | ||
| Q1 24 | $83.4M | $50.2M |
总债务BFCCTLP
| Q4 25 | — | $37.7M | ||
| Q3 25 | — | $38.3M | ||
| Q2 25 | — | $38.7M | ||
| Q1 25 | — | $39.2M | ||
| Q4 24 | — | $37.0M | ||
| Q3 24 | — | $37.3M | ||
| Q2 24 | — | $37.5M | ||
| Q1 24 | — | $38.1M |
股东权益BFCCTLP
| Q4 25 | $643.8M | $252.5M | ||
| Q3 25 | $628.1M | $251.8M | ||
| Q2 25 | $612.3M | $251.0M | ||
| Q1 25 | $648.4M | $240.7M | ||
| Q4 24 | $639.7M | $190.1M | ||
| Q3 24 | $628.9M | $186.2M | ||
| Q2 24 | $614.6M | $181.7M | ||
| Q1 24 | $609.3M | $178.8M |
总资产BFCCTLP
| Q4 25 | $4.5B | $381.9M | ||
| Q3 25 | $4.4B | $389.5M | ||
| Q2 25 | $4.4B | $381.9M | ||
| Q1 25 | $4.5B | $370.5M | ||
| Q4 24 | $4.5B | $303.0M | ||
| Q3 24 | $4.3B | $312.1M | ||
| Q2 24 | $4.1B | $335.6M | ||
| Q1 24 | $4.1B | $319.9M |
负债/权益比BFCCTLP
| Q4 25 | — | 0.15× | ||
| Q3 25 | — | 0.15× | ||
| Q2 25 | — | 0.15× | ||
| Q1 25 | — | 0.16× | ||
| Q4 24 | — | 0.19× | ||
| Q3 24 | — | 0.20× | ||
| Q2 24 | — | 0.21× | ||
| Q1 24 | — | 0.21× |
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 | $62.5M | $3.1M |
| 自由现金流经营现金流 - 资本支出 | $51.0M | $-614.0K |
| 自由现金流率自由现金流/营收 | 113.6% | -0.8% |
| 资本支出强度资本支出/营收 | 25.5% | 4.8% |
| 现金转化率经营现金流/净利润 | 3.40× | — |
| 过去12个月自由现金流最近4个季度 | $75.8M | $25.8M |
8季度趋势，按日历期对齐
经营现金流BFCCTLP
| Q4 25 | $62.5M | $3.1M | ||
| Q3 25 | $15.5M | $7.0M | ||
| Q2 25 | $11.9M | $9.4M | ||
| Q1 25 | $6.2M | $22.4M | ||
| Q4 24 | $65.8M | $522.0K | ||
| Q3 24 | $18.8M | $-12.0M | ||
| Q2 24 | $14.9M | $14.3M | ||
| Q1 24 | $1.3M | $14.7M |
自由现金流BFCCTLP
| Q4 25 | $51.0M | $-614.0K | ||
| Q3 25 | $12.5M | $3.5M | ||
| Q2 25 | $8.2M | $4.3M | ||
| Q1 25 | $4.0M | $18.6M | ||
| Q4 24 | $58.6M | $-3.8M | ||
| Q3 24 | $16.9M | $-15.8M | ||
| Q2 24 | $13.7M | $8.5M | ||
| Q1 24 | $551.0K | $11.4M |
自由现金流率BFCCTLP
| Q4 25 | 113.6% | -0.8% | ||
| Q3 25 | 28.2% | 4.4% | ||
| Q2 25 | 19.8% | 5.3% | ||
| Q1 25 | 9.3% | 24.6% | ||
| Q4 24 | 146.3% | -5.1% | ||
| Q3 24 | 41.5% | -22.3% | ||
| Q2 24 | 35.3% | 11.7% | ||
| Q1 24 | 1.5% | 16.9% |
资本支出强度BFCCTLP
| Q4 25 | 25.5% | 4.8% | ||
| Q3 25 | 6.7% | 4.2% | ||
| Q2 25 | 8.7% | 6.2% | ||
| Q1 25 | 5.0% | 5.1% | ||
| Q4 24 | 18.0% | 5.8% | ||
| Q3 24 | 4.5% | 5.4% | ||
| Q2 24 | 3.1% | 7.9% | ||
| Q1 24 | 2.1% | 4.8% |
现金转化率BFCCTLP
| Q4 25 | 3.40× | — | ||
| Q3 25 | 0.86× | — | ||
| Q2 25 | 0.70× | 1.38× | ||
| Q1 25 | 0.34× | 0.46× | ||
| Q4 24 | 3.75× | 0.10× | ||
| Q3 24 | 1.13× | -3.36× | ||
| Q2 24 | 0.93× | 6.47× | ||
| Q1 24 | 0.09× | 3.16× |
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
BFC
暂无分部数据
CTLP
| Transaction Processing | $47.9M | 61% |
| Subscription Revenue | $21.8M | 28% |
| Products | $9.0M | 11% |
