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PATHWARD FINANCIAL, INC.（CASH）与FOSTER L B CO（FSTR）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FOSTER L B CO的1.1倍（$173.1M vs $160.4M），PATHWARD FINANCIAL, INC.净利率更高（20.3% vs 1.5%，领先18.8%），FOSTER L B CO同比增速更快（25.1% vs -0.2%），PATHWARD FINANCIAL, INC.自由现金流更多（$104.1M vs $19.8M），过去两年FOSTER L B CO的营收复合增速更高（13.6% vs -18.0%）
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。
Foster L B Co.是一家总部位于美国的专业工业制造企业，主要生产销售工程通道产品、建筑组件及铁路基础设施用品，服务覆盖北美及部分全球地区的商业建筑、交通和工业领域客户。
CASH vs FSTR — 直观对比
营收规模更大
CASH
是对方的1.1倍
$160.4M
营收增速更快
FSTR
高出25.3%
-0.2%
净利率更高
CASH
高出18.8%
1.5%
自由现金流更多
CASH
多$84.3M
$19.8M
两年增速更快
FSTR
近两年复合增速
-18.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $173.1M | $160.4M |
| 净利润 | $35.2M | $2.4M |
| 毛利率 | — | 19.7% |
| 营业利润率 | 24.6% | 4.9% |
| 净利率 | 20.3% | 1.5% |
| 营收同比 | -0.2% | 25.1% |
| 净利润同比 | 11.9% | 1098.3% |
| 每股收益（稀释后） | $1.57 | $0.22 |
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CASHFSTR
| Q4 25 | $173.1M | $160.4M | ||
| Q3 25 | $186.7M | $138.3M | ||
| Q2 25 | $195.8M | $143.6M | ||
| Q1 25 | $274.8M | $97.8M | ||
| Q4 24 | $182.6M | $128.2M | ||
| Q3 24 | $179.5M | $137.5M | ||
| Q2 24 | $188.6M | $140.8M | ||
| Q1 24 | $257.6M | $124.3M |
净利润CASHFSTR
| Q4 25 | $35.2M | $2.4M | ||
| Q3 25 | $38.8M | $4.4M | ||
| Q2 25 | $42.1M | $2.9M | ||
| Q1 25 | $75.0M | $-2.1M | ||
| Q4 24 | $30.0M | $-242.0K | ||
| Q3 24 | $33.5M | $35.9M | ||
| Q2 24 | $44.9M | $2.8M | ||
| Q1 24 | $69.9M | $4.4M |
毛利率CASHFSTR
| Q4 25 | — | 19.7% | ||
| Q3 25 | — | 22.5% | ||
| Q2 25 | — | 21.5% | ||
| Q1 25 | — | 20.6% | ||
| Q4 24 | — | 22.3% | ||
| Q3 24 | — | 23.8% | ||
| Q2 24 | — | 21.7% | ||
| Q1 24 | — | 21.1% |
营业利润率CASHFSTR
| Q4 25 | 24.6% | 4.9% | ||
| Q3 25 | 25.9% | 6.0% | ||
| Q2 25 | 24.1% | 5.3% | ||
| Q1 25 | 33.2% | -2.0% | ||
| Q4 24 | 19.8% | 2.4% | ||
| Q3 24 | 20.9% | 5.3% | ||
| Q2 24 | 27.1% | 3.2% | ||
| Q1 24 | 33.8% | 4.5% |
净利率CASHFSTR
| Q4 25 | 20.3% | 1.5% | ||
| Q3 25 | 20.8% | 3.1% | ||
| Q2 25 | 21.5% | 2.0% | ||
| Q1 25 | 27.3% | -2.2% | ||
| Q4 24 | 16.4% | -0.2% | ||
| Q3 24 | 18.7% | 26.1% | ||
| Q2 24 | 23.8% | 2.0% | ||
| Q1 24 | 27.1% | 3.6% |
每股收益（稀释后）CASHFSTR
| Q4 25 | $1.57 | $0.22 | ||
| Q3 25 | $1.69 | $0.40 | ||
| Q2 25 | $1.81 | $0.27 | ||
| Q1 25 | $3.14 | $-0.20 | ||
| Q4 24 | $1.23 | $-0.04 | ||
| Q3 24 | $1.34 | $3.27 | ||
| Q2 24 | $1.78 | $0.26 | ||
| Q1 24 | $2.74 | $0.40 |
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 | $331.2M | $4.3M |
| 总债务越低越好 | $33.5M | $42.6M |
| 股东权益账面价值 | $854.5M | $175.3M |
| 总资产 | $7.6B | $330.4M |
| 负债/权益比越低杠杆越低 | 0.04× | 0.24× |
8季度趋势，按日历期对齐
现金及短期投资CASHFSTR
| Q4 25 | $331.2M | $4.3M | ||
| Q3 25 | $120.6M | $3.4M | ||
| Q2 25 | $258.3M | $4.2M | ||
| Q1 25 | $254.2M | $2.6M | ||
| Q4 24 | $597.4M | $2.5M | ||
| Q3 24 | $158.3M | $3.1M | ||
| Q2 24 | $298.9M | $4.0M | ||
| Q1 24 | $347.9M | $3.1M |
总债务CASHFSTR
| Q4 25 | $33.5M | $42.6M | ||
| Q3 25 | $33.5M | $58.6M | ||
| Q2 25 | $33.4M | $81.4M | ||
| Q1 25 | $33.4M | $82.3M | ||
| Q4 24 | $33.4M | $46.8M | ||
| Q3 24 | $33.4M | $68.4M | ||
| Q2 24 | $33.3M | $87.0M | ||
| Q1 24 | $33.4M | $77.9M |
股东权益CASHFSTR
| Q4 25 | $854.5M | $175.3M | ||
| Q3 25 | $858.0M | $174.8M | ||
| Q2 25 | $819.0M | $174.4M | ||
| Q1 25 | $814.7M | $170.8M | ||
| Q4 24 | $758.3M | $178.3M | ||
| Q3 24 | $822.5M | $181.9M | ||
| Q2 24 | $748.4M | $147.1M | ||
| Q1 24 | $719.5M | $144.6M |
总资产CASHFSTR
| Q4 25 | $7.6B | $330.4M | ||
| Q3 25 | $7.2B | $333.9M | ||
| Q2 25 | $7.2B | $349.9M | ||
| Q1 25 | $7.0B | $342.8M | ||
| Q4 24 | $7.6B | $334.6M | ||
| Q3 24 | $7.5B | $344.5M | ||
| Q2 24 | $7.5B | $333.3M | ||
| Q1 24 | $7.4B | $326.4M |
负债/权益比CASHFSTR
| Q4 25 | 0.04× | 0.24× | ||
| Q3 25 | 0.04× | 0.33× | ||
| Q2 25 | 0.04× | 0.47× | ||
| Q1 25 | 0.04× | 0.48× | ||
| Q4 24 | 0.04× | 0.26× | ||
| Q3 24 | 0.04× | 0.38× | ||
| Q2 24 | 0.04× | 0.59× | ||
| Q1 24 | 0.05× | 0.54× |
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 | $108.3M | $22.2M |
| 自由现金流经营现金流 - 资本支出 | $104.1M | $19.8M |
| 自由现金流率自由现金流/营收 | 60.1% | 12.3% |
| 资本支出强度资本支出/营收 | 2.4% | 1.5% |
| 现金转化率经营现金流/净利润 | 3.08× | 9.18× |
| 过去12个月自由现金流最近4个季度 | $616.8M | $25.2M |
8季度趋势，按日历期对齐
经营现金流CASHFSTR
| Q4 25 | $108.3M | $22.2M | ||
| Q3 25 | $303.7M | $29.2M | ||
| Q2 25 | $30.4M | $10.4M | ||
| Q1 25 | $188.3M | $-26.1M | ||
| Q4 24 | $-71.7M | $24.3M | ||
| Q3 24 | $143.1M | $24.7M | ||
| Q2 24 | $113.2M | $-5.0M | ||
| Q1 24 | $203.0M | $-21.4M |
自由现金流CASHFSTR
| Q4 25 | $104.1M | $19.8M | ||
| Q3 25 | $300.3M | $26.4M | ||
| Q2 25 | $27.7M | $7.7M | ||
| Q1 25 | $184.7M | $-28.7M | ||
| Q4 24 | $-73.8M | $22.3M | ||
| Q3 24 | $138.8M | $21.7M | ||
| Q2 24 | $111.0M | $-7.0M | ||
| Q1 24 | $201.3M | $-24.2M |
自由现金流率CASHFSTR
| Q4 25 | 60.1% | 12.3% | ||
| Q3 25 | 160.9% | 19.1% | ||
| Q2 25 | 14.1% | 5.4% | ||
| Q1 25 | 67.2% | -29.4% | ||
| Q4 24 | -40.4% | 17.4% | ||
| Q3 24 | 77.3% | 15.8% | ||
| Q2 24 | 58.8% | -5.0% | ||
| Q1 24 | 78.1% | -19.4% |
资本支出强度CASHFSTR
| Q4 25 | 2.4% | 1.5% | ||
| Q3 25 | 1.8% | 2.0% | ||
| Q2 25 | 1.4% | 1.9% | ||
| Q1 25 | 1.3% | 2.6% | ||
| Q4 24 | 1.1% | 1.5% | ||
| Q3 24 | 2.4% | 2.2% | ||
| Q2 24 | 1.2% | 1.5% | ||
| Q1 24 | 0.7% | 2.2% |
现金转化率CASHFSTR
| Q4 25 | 3.08× | 9.18× | ||
| Q3 25 | 7.83× | 6.70× | ||
| Q2 25 | 0.72× | 3.61× | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | 0.69× | ||
| Q2 24 | 2.52× | -1.74× | ||
| Q1 24 | 2.90× | -4.83× |
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
| 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% |
FSTR
| Rail Technologies And Services Segment | $98.0M | 61% |
| Over Time Output Method | $26.3M | 16% |
| Services | $19.4M | 12% |
| Rail Technologies Products | $10.0M | 6% |
| Over Time Input Method | $8.3M | 5% |
