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PATHWARD FINANCIAL, INC.（CASH）与INSTEEL INDUSTRIES INC（IIIN）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INSTEEL INDUSTRIES INC的1.7倍（$276.3M vs $159.9M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 4.7%，领先21.6%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 12.0%）
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。
Insteel Industries Inc是美国领先的钢材加固产品制造商，主营焊接钢筋网、工程结构网、钢纤维等产品，主要服务北美地区非住宅建筑、基础设施、预制混凝土构件等领域客户，提供高性能建筑加固解决方案。
CASH vs IIIN — 直观对比
营收规模更大
CASH
是对方的1.7倍
$159.9M
净利率更高
CASH
高出21.6%
4.7%
两年增速更快
CASH
近两年复合增速
12.0%
损益表 — Q2 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $159.9M |
| 净利润 | $72.9M | $7.6M |
| 毛利率 | — | 11.3% |
| 营业利润率 | — | 6.0% |
| 净利率 | 26.4% | 4.7% |
| 营收同比 | — | 23.3% |
| 净利润同比 | — | 602.4% |
| 每股收益（稀释后） | $3.35 | $0.39 |
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CASHIIIN
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $159.9M | ||
| Q3 25 | $186.7M | $177.4M | ||
| Q2 25 | $195.8M | $179.9M | ||
| Q1 25 | $274.8M | $160.7M | ||
| Q4 24 | $182.6M | $129.7M | ||
| Q3 24 | $179.5M | $134.3M | ||
| Q2 24 | $188.6M | $145.8M |
净利润CASHIIIN
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $7.6M | ||
| Q3 25 | $38.8M | $14.6M | ||
| Q2 25 | $42.1M | $15.2M | ||
| Q1 25 | $75.0M | $10.2M | ||
| Q4 24 | $30.0M | $1.1M | ||
| Q3 24 | $33.5M | $4.7M | ||
| Q2 24 | $44.9M | $6.6M |
毛利率CASHIIIN
| Q1 26 | — | — | ||
| Q4 25 | — | 11.3% | ||
| Q3 25 | — | 16.1% | ||
| Q2 25 | — | 17.1% | ||
| Q1 25 | — | 15.3% | ||
| Q4 24 | — | 7.3% | ||
| Q3 24 | — | 9.1% | ||
| Q2 24 | — | 10.6% |
营业利润率CASHIIIN
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 6.0% | ||
| Q3 25 | 25.9% | 10.8% | ||
| Q2 25 | 24.1% | 11.0% | ||
| Q1 25 | 33.2% | 8.3% | ||
| Q4 24 | 19.8% | 1.1% | ||
| Q3 24 | 20.9% | 4.5% | ||
| Q2 24 | 27.1% | 6.0% |
净利率CASHIIIN
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 4.7% | ||
| Q3 25 | 20.8% | 8.2% | ||
| Q2 25 | 21.5% | 8.4% | ||
| Q1 25 | 27.3% | 6.4% | ||
| Q4 24 | 16.4% | 0.8% | ||
| Q3 24 | 18.7% | 3.5% | ||
| Q2 24 | 23.8% | 4.5% |
每股收益（稀释后）CASHIIIN
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $0.39 | ||
| Q3 25 | $1.69 | $0.74 | ||
| Q2 25 | $1.81 | $0.78 | ||
| Q1 25 | $3.14 | $0.52 | ||
| Q4 24 | $1.23 | $0.06 | ||
| Q3 24 | $1.34 | $0.24 | ||
| 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 | $15.6M |
| 总债务越低越好 | $59.5M | — |
| 股东权益账面价值 | $850.7M | $358.8M |
| 总资产 | $7.1B | $456.1M |
| 负债/权益比越低杠杆越低 | 0.07× | — |
8季度趋势，按日历期对齐
现金及短期投资CASHIIIN
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $15.6M | ||
| Q3 25 | $120.6M | $38.6M | ||
| Q2 25 | $258.3M | $53.7M | ||
| Q1 25 | $254.2M | $28.4M | ||
| Q4 24 | $597.4M | $36.0M | ||
| Q3 24 | $158.3M | $111.5M | ||
| Q2 24 | $298.9M | $97.7M |
总债务CASHIIIN
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | — | ||
| Q3 25 | $33.5M | — | ||
| Q2 25 | $33.4M | — | ||
| Q1 25 | $33.4M | — | ||
| Q4 24 | $33.4M | — | ||
| Q3 24 | $33.4M | — | ||
| Q2 24 | $33.3M | — |
股东权益CASHIIIN
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $358.8M | ||
| Q3 25 | $858.0M | $371.5M | ||
| Q2 25 | $819.0M | $356.2M | ||
| Q1 25 | $814.7M | $341.4M | ||
| Q4 24 | $758.3M | $331.6M | ||
| Q3 24 | $822.5M | $350.9M | ||
| Q2 24 | $748.4M | $346.0M |
总资产CASHIIIN
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $456.1M | ||
| Q3 25 | $7.2B | $462.6M | ||
| Q2 25 | $7.2B | $471.9M | ||
| Q1 25 | $7.0B | $421.9M | ||
| Q4 24 | $7.6B | $404.7M | ||
| Q3 24 | $7.5B | $422.6M | ||
| Q2 24 | $7.5B | $414.6M |
负债/权益比CASHIIIN
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | — | ||
| Q3 25 | 0.04× | — | ||
| Q2 25 | 0.04× | — | ||
| Q1 25 | 0.04× | — | ||
| Q4 24 | 0.04× | — | ||
| Q3 24 | 0.04× | — | ||
| Q2 24 | 0.04× | — |
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 | — | $-701.0K |
| 自由现金流经营现金流 - 资本支出 | — | $-2.2M |
| 自由现金流率自由现金流/营收 | — | -1.4% |
| 资本支出强度资本支出/营收 | — | 0.9% |
| 现金转化率经营现金流/净利润 | — | -0.09× |
| 过去12个月自由现金流最近4个季度 | — | $439.0K |
8季度趋势，按日历期对齐
经营现金流CASHIIIN
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $-701.0K | ||
| Q3 25 | $303.7M | $-17.0M | ||
| Q2 25 | $30.4M | $28.5M | ||
| Q1 25 | $188.3M | $-3.3M | ||
| Q4 24 | $-71.7M | $19.0M | ||
| Q3 24 | $143.1M | $16.2M | ||
| Q2 24 | $113.2M | $18.8M |
自由现金流CASHIIIN
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $-2.2M | ||
| Q3 25 | $300.3M | $-18.7M | ||
| Q2 25 | $27.7M | $26.9M | ||
| Q1 25 | $184.7M | $-5.5M | ||
| Q4 24 | $-73.8M | $16.3M | ||
| Q3 24 | $138.8M | $14.5M | ||
| Q2 24 | $111.0M | $15.5M |
自由现金流率CASHIIIN
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | -1.4% | ||
| Q3 25 | 160.9% | -10.6% | ||
| Q2 25 | 14.1% | 15.0% | ||
| Q1 25 | 67.2% | -3.5% | ||
| Q4 24 | -40.4% | 12.6% | ||
| Q3 24 | 77.3% | 10.8% | ||
| Q2 24 | 58.8% | 10.7% |
资本支出强度CASHIIIN
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 0.9% | ||
| Q3 25 | 1.8% | 1.0% | ||
| Q2 25 | 1.4% | 0.9% | ||
| Q1 25 | 1.3% | 1.4% | ||
| Q4 24 | 1.1% | 2.1% | ||
| Q3 24 | 2.4% | 1.3% | ||
| Q2 24 | 1.2% | 2.2% |
现金转化率CASHIIIN
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | -0.09× | ||
| Q3 25 | 7.83× | -1.17× | ||
| Q2 25 | 0.72× | 1.88× | ||
| Q1 25 | 2.51× | -0.32× | ||
| Q4 24 | -2.39× | 17.56× | ||
| Q3 24 | 4.27× | 3.48× | ||
| Q2 24 | 2.52× | 2.86× |
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% |
IIIN
| Welded Wire Reinforcement | $108.4M | 68% |
| PC Strand | $51.6M | 32% |
