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PATHWARD FINANCIAL, INC.（CASH）与FIRST FINANCIAL BANCORP（FFBC）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FIRST FINANCIAL BANCORP的1.0倍（$276.3M vs $271.5M），FIRST FINANCIAL BANCORP净利率更高（27.4% vs 26.4%，领先1.0%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 12.4%）
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。
第一金融银行集团是总部位于美国俄亥俄州辛辛那提的区域性银行，运营中心设于辛辛那提北郊斯普林代尔及印第安纳州格林斯堡。该行成立于1863年，拥有美国第六悠久的国家银行牌照，在俄亥俄、印第安纳、肯塔基、伊利诺伊四州共设有131个营业网点，2009年9月曾在政府协助下收购欧文金融公司及其子公司。
CASH vs FFBC — 直观对比
营收规模更大
CASH
是对方的1.0倍
$271.5M
净利率更高
FFBC
高出1.0%
26.4%
两年增速更快
CASH
近两年复合增速
12.4%
损益表 — Q2 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $271.5M |
| 净利润 | $72.9M | $74.4M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 26.4% | 27.4% |
| 营收同比 | — | — |
| 净利润同比 | — | — |
| 每股收益（稀释后） | $3.35 | $0.71 |
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CASHFFBC
| Q1 26 | $276.3M | $271.5M | ||
| Q4 25 | $173.1M | $238.8M | ||
| Q3 25 | $186.7M | $234.0M | ||
| Q2 25 | $195.8M | $226.3M | ||
| Q1 25 | $274.8M | $200.4M | ||
| Q4 24 | $182.6M | $224.3M | ||
| Q3 24 | $179.5M | $201.3M | ||
| Q2 24 | $188.6M | $214.8M |
净利润CASHFFBC
| Q1 26 | $72.9M | $74.4M | ||
| Q4 25 | $35.2M | — | ||
| Q3 25 | $38.8M | $71.9M | ||
| Q2 25 | $42.1M | $70.0M | ||
| Q1 25 | $75.0M | $51.3M | ||
| Q4 24 | $30.0M | — | ||
| Q3 24 | $33.5M | $52.5M | ||
| Q2 24 | $44.9M | $60.8M |
营业利润率CASHFFBC
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | — | ||
| Q3 25 | 25.9% | 38.7% | ||
| Q2 25 | 24.1% | 38.8% | ||
| Q1 25 | 33.2% | 31.7% | ||
| Q4 24 | 19.8% | — | ||
| Q3 24 | 20.9% | 32.2% | ||
| Q2 24 | 27.1% | 34.8% |
净利率CASHFFBC
| Q1 26 | 26.4% | 27.4% | ||
| Q4 25 | 20.3% | — | ||
| Q3 25 | 20.8% | 30.7% | ||
| Q2 25 | 21.5% | 30.9% | ||
| Q1 25 | 27.3% | 25.6% | ||
| Q4 24 | 16.4% | — | ||
| Q3 24 | 18.7% | 26.1% | ||
| Q2 24 | 23.8% | 28.3% |
每股收益（稀释后）CASHFFBC
| Q1 26 | $3.35 | $0.71 | ||
| Q4 25 | $1.57 | $0.64 | ||
| Q3 25 | $1.69 | $0.75 | ||
| Q2 25 | $1.81 | $0.73 | ||
| Q1 25 | $3.14 | $0.54 | ||
| Q4 24 | $1.23 | $0.68 | ||
| Q3 24 | $1.34 | $0.55 | ||
| Q2 24 | $1.78 | $0.64 |
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 | $157.6M | — |
| 总债务越低越好 | $59.5M | $13.1M |
| 股东权益账面价值 | $850.7M | $2.9B |
| 总资产 | $7.1B | $22.5B |
| 负债/权益比越低杠杆越低 | 0.07× | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资CASHFFBC
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | — | ||
| Q3 25 | $120.6M | — | ||
| Q2 25 | $258.3M | — | ||
| Q1 25 | $254.2M | — | ||
| Q4 24 | $597.4M | — | ||
| Q3 24 | $158.3M | — | ||
| Q2 24 | $298.9M | — |
总债务CASHFFBC
| Q1 26 | $59.5M | $13.1M | ||
| Q4 25 | $33.5M | $514.1M | ||
| Q3 25 | $33.5M | $221.8M | ||
| Q2 25 | $33.4M | $345.0M | ||
| Q1 25 | $33.4M | $345.9M | ||
| Q4 24 | $33.4M | $347.5M | ||
| Q3 24 | $33.4M | $344.1M | ||
| Q2 24 | $33.3M | $338.6M |
股东权益CASHFFBC
| Q1 26 | $850.7M | $2.9B | ||
| Q4 25 | $854.5M | $2.8B | ||
| Q3 25 | $858.0M | $2.6B | ||
| Q2 25 | $819.0M | $2.6B | ||
| Q1 25 | $814.7M | $2.5B | ||
| Q4 24 | $758.3M | $2.4B | ||
| Q3 24 | $822.5M | $2.5B | ||
| Q2 24 | $748.4M | $2.3B |
总资产CASHFFBC
| Q1 26 | $7.1B | $22.5B | ||
| Q4 25 | $7.6B | $21.1B | ||
| Q3 25 | $7.2B | $18.6B | ||
| Q2 25 | $7.2B | $18.6B | ||
| Q1 25 | $7.0B | $18.5B | ||
| Q4 24 | $7.6B | $18.6B | ||
| Q3 24 | $7.5B | $18.1B | ||
| Q2 24 | $7.5B | $18.2B |
负债/权益比CASHFFBC
| Q1 26 | 0.07× | 0.00× | ||
| Q4 25 | 0.04× | 0.19× | ||
| Q3 25 | 0.04× | 0.08× | ||
| Q2 25 | 0.04× | 0.13× | ||
| Q1 25 | 0.04× | 0.14× | ||
| Q4 24 | 0.04× | 0.14× | ||
| Q3 24 | 0.04× | 0.14× | ||
| Q2 24 | 0.04× | 0.15× |
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
CASH
| Noninterest Income | $151.2M | 55% |
| Net Interest Income | $125.1M | 45% |
FFBC
| Net Interest Income | $189.6M | 70% |
| Noninterest Income | $81.9M | 30% |
