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PATHWARD FINANCIAL, INC.（CASH）与FNB CORP（FNB）财务数据对比。点击上方公司名可切换其他公司
FNB CORP的季度营收约是PATHWARD FINANCIAL, INC.的1.3倍（$366.0M vs $276.3M），FNB CORP净利率更高（45.9% vs 26.4%，领先19.5%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 7.1%）
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。
FNB集团是总部位于美国宾夕法尼亚州匹兹堡的多元化金融服务机构，为旗下最大子公司第一国民银行的控股主体，截至2025年12月31日总资产超500亿美元，业务覆盖匹兹堡、巴尔的摩、克利夫兰、华盛顿特区、北卡罗来纳州多座城市及南卡罗来纳州查尔斯顿等核心都会区。
CASH vs FNB — 直观对比
营收规模更大
FNB
是对方的1.3倍
$276.3M
净利率更高
FNB
高出19.5%
26.4%
两年增速更快
CASH
近两年复合增速
7.1%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $366.0M |
| 净利润 | $72.9M | $168.0M |
| 毛利率 | — | — |
| 营业利润率 | — | 45.1% |
| 净利率 | 26.4% | 45.9% |
| 营收同比 | — | 13.7% |
| 净利润同比 | — | 52.7% |
| 每股收益（稀释后） | $3.35 | $0.47 |
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CASHFNB
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $366.0M | ||
| Q3 25 | $186.7M | $359.0M | ||
| Q2 25 | $195.8M | $348.0M | ||
| Q1 25 | $274.8M | $323.0M | ||
| Q4 24 | $182.6M | $322.0M | ||
| Q3 24 | $179.5M | $323.0M | ||
| Q2 24 | $188.6M | $316.0M |
净利润CASHFNB
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $168.0M | ||
| Q3 25 | $38.8M | $150.0M | ||
| Q2 25 | $42.1M | $130.0M | ||
| Q1 25 | $75.0M | $117.0M | ||
| Q4 24 | $30.0M | $110.0M | ||
| Q3 24 | $33.5M | $110.0M | ||
| Q2 24 | $44.9M | $123.0M |
营业利润率CASHFNB
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 45.1% | ||
| Q3 25 | 25.9% | 52.9% | ||
| Q2 25 | 24.1% | 47.7% | ||
| Q1 25 | 33.2% | 45.8% | ||
| Q4 24 | 19.8% | 31.7% | ||
| Q3 24 | 20.9% | 43.3% | ||
| Q2 24 | 27.1% | 49.7% |
净利率CASHFNB
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 45.9% | ||
| Q3 25 | 20.8% | 41.8% | ||
| Q2 25 | 21.5% | 37.4% | ||
| Q1 25 | 27.3% | 36.2% | ||
| Q4 24 | 16.4% | 34.2% | ||
| Q3 24 | 18.7% | 34.1% | ||
| Q2 24 | 23.8% | 38.9% |
每股收益（稀释后）CASHFNB
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.47 | ||
| Q3 25 | $1.69 | $0.41 | ||
| Q2 25 | $1.81 | $0.36 | ||
| Q1 25 | $3.14 | $0.32 | ||
| Q4 24 | $1.23 | $0.31 | ||
| Q3 24 | $1.34 | $0.30 | ||
| Q2 24 | $1.78 | $0.34 |
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 | $2.5B |
| 总债务越低越好 | $59.5M | $1.9B |
| 股东权益账面价值 | $850.7M | $6.8B |
| 总资产 | $7.1B | $50.2B |
| 负债/权益比越低杠杆越低 | 0.07× | 0.28× |
8季度趋势，按日历期对齐
现金及短期投资CASHFNB
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $2.5B | ||
| Q3 25 | $120.6M | $2.4B | ||
| Q2 25 | $258.3M | $2.4B | ||
| Q1 25 | $254.2M | $2.4B | ||
| Q4 24 | $597.4M | $2.4B | ||
| Q3 24 | $158.3M | $2.1B | ||
| Q2 24 | $298.9M | $1.9B |
总债务CASHFNB
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $1.9B | ||
| Q3 25 | $33.5M | $2.1B | ||
| Q2 25 | $33.4M | $2.7B | ||
| Q1 25 | $33.4M | $2.5B | ||
| Q4 24 | $33.4M | $3.0B | ||
| Q3 24 | $33.4M | $2.5B | ||
| Q2 24 | $33.3M | $2.0B |
股东权益CASHFNB
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $6.8B | ||
| Q3 25 | $858.0M | $6.6B | ||
| Q2 25 | $819.0M | $6.5B | ||
| Q1 25 | $814.7M | $6.4B | ||
| Q4 24 | $758.3M | $6.3B | ||
| Q3 24 | $822.5M | $6.2B | ||
| Q2 24 | $748.4M | $6.1B |
总资产CASHFNB
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $50.2B | ||
| Q3 25 | $7.2B | $49.9B | ||
| Q2 25 | $7.2B | $49.7B | ||
| Q1 25 | $7.0B | $49.0B | ||
| Q4 24 | $7.6B | $48.6B | ||
| Q3 24 | $7.5B | $48.0B | ||
| Q2 24 | $7.5B | $47.7B |
负债/权益比CASHFNB
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.28× | ||
| Q3 25 | 0.04× | 0.32× | ||
| Q2 25 | 0.04× | 0.41× | ||
| Q1 25 | 0.04× | 0.39× | ||
| Q4 24 | 0.04× | 0.48× | ||
| Q3 24 | 0.04× | 0.40× | ||
| Q2 24 | 0.04× | 0.33× |
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 | — | $128.0M |
| 自由现金流经营现金流 - 资本支出 | — | $99.0M |
| 自由现金流率自由现金流/营收 | — | 27.0% |
| 资本支出强度资本支出/营收 | — | 7.9% |
| 现金转化率经营现金流/净利润 | — | 0.76× |
| 过去12个月自由现金流最近4个季度 | — | $376.0M |
8季度趋势，按日历期对齐
经营现金流CASHFNB
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $128.0M | ||
| Q3 25 | $303.7M | $167.0M | ||
| Q2 25 | $30.4M | $123.0M | ||
| Q1 25 | $188.3M | $64.0M | ||
| Q4 24 | $-71.7M | $326.0M | ||
| Q3 24 | $143.1M | $-14.0M | ||
| Q2 24 | $113.2M | $85.0M |
自由现金流CASHFNB
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $99.0M | ||
| Q3 25 | $300.3M | $149.0M | ||
| Q2 25 | $27.7M | $85.0M | ||
| Q1 25 | $184.7M | $43.0M | ||
| Q4 24 | $-73.8M | $278.0M | ||
| Q3 24 | $138.8M | $-46.0M | ||
| Q2 24 | $111.0M | $55.0M |
自由现金流率CASHFNB
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 27.0% | ||
| Q3 25 | 160.9% | 41.5% | ||
| Q2 25 | 14.1% | 24.4% | ||
| Q1 25 | 67.2% | 13.3% | ||
| Q4 24 | -40.4% | 86.3% | ||
| Q3 24 | 77.3% | -14.2% | ||
| Q2 24 | 58.8% | 17.4% |
资本支出强度CASHFNB
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 7.9% | ||
| Q3 25 | 1.8% | 5.0% | ||
| Q2 25 | 1.4% | 10.9% | ||
| Q1 25 | 1.3% | 6.5% | ||
| Q4 24 | 1.1% | 14.9% | ||
| Q3 24 | 2.4% | 9.9% | ||
| Q2 24 | 1.2% | 9.5% |
现金转化率CASHFNB
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 0.76× | ||
| Q3 25 | 7.83× | 1.11× | ||
| Q2 25 | 0.72× | 0.95× | ||
| Q1 25 | 2.51× | 0.55× | ||
| Q4 24 | -2.39× | 2.96× | ||
| Q3 24 | 4.27× | -0.13× | ||
| Q2 24 | 2.52× | 0.69× |
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% |
FNB
暂无分部数据
