vs
BankUnited, Inc.（BKU）与Catalyst Bancorp, Inc.（CLST）财务数据对比。点击上方公司名可切换其他公司
BankUnited, Inc.的季度营收约是Catalyst Bancorp, Inc.的2.3倍（$5.8M vs $2.5M）。BankUnited, Inc.同比增速更快（16.0% vs 1.4%）。过去两年Catalyst Bancorp, Inc.的营收复合增速更高（9.4% vs 4.4%）
BankUnited, Inc.是美国国民银行BankUnited, N.A.的控股公司，成立于1984年，总部位于佛罗里达州迈阿密莱克斯。业务覆盖佛罗里达州、佐治亚州亚特兰大及周边、得克萨斯州达拉斯、新泽西州莫里斯敦、北卡罗来纳州夏洛特，以及纽约大都会区，还通过全国性平台提供部分商业贷款和存款产品，截至2025年12月31日总资产达350亿美元。
Catalyst Bancorp, Inc.是一家总部位于美国的金融控股公司，旗下运营多家社区银行，面向个人消费者与中小企业客户提供储蓄账户、各类贷款、财富管理等多元金融服务，业务覆盖美国多个区域本土市场。
BKU vs CLST — 直观对比
营收规模更大
BKU
是对方的2.3倍
$2.5M
营收增速更快
BKU
高出14.6%
1.4%
两年增速更快
CLST
近两年复合增速
4.4%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $5.8M | $2.5M |
| 净利润 | — | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | — | 22.0% |
| 净利率 | — | 18.2% |
| 营收同比 | 16.0% | 1.4% |
| 净利润同比 | — | -27.2% |
| 每股收益（稀释后） | $0.89 | $0.13 |
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BKUCLST
| Q4 25 | $5.8M | $2.5M | ||
| Q3 25 | $5.4M | $2.5M | ||
| Q2 25 | $5.3M | $2.5M | ||
| Q1 25 | $5.2M | $2.4M | ||
| Q4 24 | $5.0M | $2.5M | ||
| Q3 24 | $5.0M | $2.5M | ||
| Q2 24 | $4.9M | $2.4M | ||
| Q1 24 | $5.3M | $2.1M |
净利润BKUCLST
| Q4 25 | — | $456.0K | ||
| Q3 25 | $71.9M | $489.0K | ||
| Q2 25 | $68.8M | $521.0K | ||
| Q1 25 | $58.5M | $586.0K | ||
| Q4 24 | — | $626.0K | ||
| Q3 24 | $61.5M | $447.0K | ||
| Q2 24 | $53.7M | $527.0K | ||
| Q1 24 | $48.0M | $-4.7M |
营业利润率BKUCLST
| Q4 25 | — | 22.0% | ||
| Q3 25 | — | 24.4% | ||
| Q2 25 | — | 25.7% | ||
| Q1 25 | — | 30.4% | ||
| Q4 24 | — | 31.2% | ||
| Q3 24 | — | 21.9% | ||
| Q2 24 | — | 26.4% | ||
| Q1 24 | — | -284.6% |
净利率BKUCLST
| Q4 25 | — | 18.2% | ||
| Q3 25 | 1333.8% | 20.0% | ||
| Q2 25 | 1291.9% | 21.1% | ||
| Q1 25 | 1117.0% | 24.8% | ||
| Q4 24 | — | 25.3% | ||
| Q3 24 | 1225.1% | 17.7% | ||
| Q2 24 | 1094.6% | 21.5% | ||
| Q1 24 | 903.1% | -224.0% |
每股收益（稀释后）BKUCLST
| Q4 25 | $0.89 | $0.13 | ||
| Q3 25 | $0.95 | $0.13 | ||
| Q2 25 | $0.91 | $0.14 | ||
| Q1 25 | $0.78 | $0.16 | ||
| Q4 24 | $0.91 | $0.13 | ||
| Q3 24 | $0.81 | $0.11 | ||
| Q2 24 | $0.72 | $0.13 | ||
| Q1 24 | $0.64 | $-1.15 |
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 | $217.8M | $25.2M |
| 总债务越低越好 | $319.7M | $14.7M |
| 股东权益账面价值 | $3.1B | $81.7M |
| 总资产 | $35.0B | $282.9M |
| 负债/权益比越低杠杆越低 | 0.10× | 0.18× |
8季度趋势，按日历期对齐
现金及短期投资BKUCLST
| Q4 25 | $217.8M | $25.2M | ||
| Q3 25 | $559.5M | $37.3M | ||
| Q2 25 | $801.3M | $40.1M | ||
| Q1 25 | $443.7M | $40.3M | ||
| Q4 24 | $491.1M | $44.3M | ||
| Q3 24 | $889.9M | $45.8M | ||
| Q2 24 | $433.5M | $75.5M | ||
| Q1 24 | $421.2M | $76.0M |
总债务BKUCLST
| Q4 25 | $319.7M | $14.7M | ||
| Q3 25 | $320.4M | $14.7M | ||
| Q2 25 | $708.9M | — | ||
| Q1 25 | $709.1M | — | ||
| Q4 24 | $708.6M | $9.6M | ||
| Q3 24 | $708.7M | $29.5M | ||
| Q2 24 | $708.8M | $30.3M | ||
| Q1 24 | $709.0M | $29.4M |
股东权益BKUCLST
| Q4 25 | $3.1B | $81.7M | ||
| Q3 25 | $3.0B | $81.6M | ||
| Q2 25 | $3.0B | $80.8M | ||
| Q1 25 | $2.9B | $80.6M | ||
| Q4 24 | $2.8B | $80.2M | ||
| Q3 24 | $2.8B | $81.7M | ||
| Q2 24 | $2.7B | $81.0M | ||
| Q1 24 | $2.6B | $81.3M |
总资产BKUCLST
| Q4 25 | $35.0B | $282.9M | ||
| Q3 25 | $35.1B | $283.8M | ||
| Q2 25 | $35.5B | $273.8M | ||
| Q1 25 | $34.8B | $271.6M | ||
| Q4 24 | $35.2B | $276.7M | ||
| Q3 24 | $35.8B | $280.6M | ||
| Q2 24 | $35.4B | $295.3M | ||
| Q1 24 | $35.1B | $282.0M |
负债/权益比BKUCLST
| Q4 25 | 0.10× | 0.18× | ||
| Q3 25 | 0.11× | 0.18× | ||
| Q2 25 | 0.24× | — | ||
| Q1 25 | 0.24× | — | ||
| Q4 24 | 0.25× | 0.12× | ||
| Q3 24 | 0.25× | 0.36× | ||
| Q2 24 | 0.26× | 0.37× | ||
| Q1 24 | 0.27× | 0.36× |
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 | $124.9M | $797.0K |
| 自由现金流经营现金流 - 资本支出 | — | $794.0K |
| 自由现金流率自由现金流/营收 | — | 31.7% |
| 资本支出强度资本支出/营收 | — | 0.1% |
| 现金转化率经营现金流/净利润 | — | 1.75× |
| 过去12个月自由现金流最近4个季度 | — | $3.1M |
8季度趋势，按日历期对齐
经营现金流BKUCLST
| Q4 25 | $124.9M | $797.0K | ||
| Q3 25 | $99.7M | $912.0K | ||
| Q2 25 | $117.6M | $1.2M | ||
| Q1 25 | $16.4M | $427.0K | ||
| Q4 24 | $185.5M | $636.0K | ||
| Q3 24 | $46.1M | $896.0K | ||
| Q2 24 | $135.7M | $1.4M | ||
| Q1 24 | $66.5M | $247.0K |
自由现金流BKUCLST
| Q4 25 | — | $794.0K | ||
| Q3 25 | — | $827.0K | ||
| Q2 25 | — | $1.1M | ||
| Q1 25 | — | $361.0K | ||
| Q4 24 | — | $581.0K | ||
| Q3 24 | — | $771.0K | ||
| Q2 24 | — | $1.2M | ||
| Q1 24 | — | $223.0K |
自由现金流率BKUCLST
| Q4 25 | — | 31.7% | ||
| Q3 25 | — | 33.8% | ||
| Q2 25 | — | 45.3% | ||
| Q1 25 | — | 15.3% | ||
| Q4 24 | — | 23.5% | ||
| Q3 24 | — | 30.5% | ||
| Q2 24 | — | 47.7% | ||
| Q1 24 | — | 10.7% |
资本支出强度BKUCLST
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 3.5% | ||
| Q2 25 | — | 1.4% | ||
| Q1 25 | — | 2.8% | ||
| Q4 24 | — | 2.2% | ||
| Q3 24 | — | 4.9% | ||
| Q2 24 | — | 9.2% | ||
| Q1 24 | — | 1.1% |
现金转化率BKUCLST
| Q4 25 | — | 1.75× | ||
| Q3 25 | 1.39× | 1.87× | ||
| Q2 25 | 1.71× | 2.21× | ||
| Q1 25 | 0.28× | 0.73× | ||
| Q4 24 | — | 1.02× | ||
| Q3 24 | 0.75× | 2.00× | ||
| Q2 24 | 2.53× | 2.64× | ||
| Q1 24 | 1.39× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
