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PATHWARD FINANCIAL, INC.（CASH）与Limbach Holdings, Inc.（LMB）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Limbach Holdings, Inc.的1.5倍（$276.3M vs $186.9M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 6.6%，领先19.8%），过去两年Limbach Holdings, Inc.的营收复合增速更高（25.3% vs 21.0%）
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。
林巴赫航空发动机是一家由中资控股、总部位于德国的企业，主营航空发动机的研发与制造业务，在航空动力装备领域拥有成熟的生产技术与行业经验。
CASH vs LMB — 直观对比
营收规模更大
CASH
是对方的1.5倍
$186.9M
净利率更高
CASH
高出19.8%
6.6%
两年增速更快
LMB
近两年复合增速
21.0%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $186.9M |
| 净利润 | $72.9M | $12.3M |
| 毛利率 | — | 25.7% |
| 营业利润率 | — | 9.4% |
| 净利率 | 26.4% | 6.6% |
| 营收同比 | — | 30.1% |
| 净利润同比 | — | 25.0% |
| 每股收益（稀释后） | $3.35 | $1.01 |
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CASHLMB
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $186.9M | ||
| Q3 25 | $186.7M | $184.6M | ||
| Q2 25 | $195.8M | $142.2M | ||
| Q1 25 | $274.8M | $133.1M | ||
| Q4 24 | $182.6M | $143.7M | ||
| Q3 24 | $179.5M | $133.9M | ||
| Q2 24 | $188.6M | $122.2M |
净利润CASHLMB
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $12.3M | ||
| Q3 25 | $38.8M | $8.8M | ||
| Q2 25 | $42.1M | $7.8M | ||
| Q1 25 | $75.0M | $10.2M | ||
| Q4 24 | $30.0M | $9.8M | ||
| Q3 24 | $33.5M | $7.5M | ||
| Q2 24 | $44.9M | $6.0M |
毛利率CASHLMB
| Q1 26 | — | — | ||
| Q4 25 | — | 25.7% | ||
| Q3 25 | — | 24.2% | ||
| Q2 25 | — | 28.0% | ||
| Q1 25 | — | 27.6% | ||
| Q4 24 | — | 30.3% | ||
| Q3 24 | — | 27.0% | ||
| Q2 24 | — | 27.4% |
营业利润率CASHLMB
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 9.4% | ||
| Q3 25 | 25.9% | 7.2% | ||
| Q2 25 | 24.1% | 7.5% | ||
| Q1 25 | 33.2% | 5.9% | ||
| Q4 24 | 19.8% | 9.1% | ||
| Q3 24 | 20.9% | 8.1% | ||
| Q2 24 | 27.1% | 6.7% |
净利率CASHLMB
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 6.6% | ||
| Q3 25 | 20.8% | 4.8% | ||
| Q2 25 | 21.5% | 5.5% | ||
| Q1 25 | 27.3% | 7.7% | ||
| Q4 24 | 16.4% | 6.9% | ||
| Q3 24 | 18.7% | 5.6% | ||
| Q2 24 | 23.8% | 4.9% |
每股收益（稀释后）CASHLMB
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $1.01 | ||
| Q3 25 | $1.69 | $0.73 | ||
| Q2 25 | $1.81 | $0.64 | ||
| Q1 25 | $3.14 | $0.85 | ||
| Q4 24 | $1.23 | $0.81 | ||
| Q3 24 | $1.34 | $0.62 | ||
| Q2 24 | $1.78 | $0.50 |
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 | $11.3M |
| 总债务越低越好 | $59.5M | $30.5M |
| 股东权益账面价值 | $850.7M | $195.7M |
| 总资产 | $7.1B | $381.1M |
| 负债/权益比越低杠杆越低 | 0.07× | 0.16× |
8季度趋势，按日历期对齐
现金及短期投资CASHLMB
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $11.3M | ||
| Q3 25 | $120.6M | $9.8M | ||
| Q2 25 | $258.3M | $38.9M | ||
| Q1 25 | $254.2M | $38.1M | ||
| Q4 24 | $597.4M | $44.9M | ||
| Q3 24 | $158.3M | $51.2M | ||
| Q2 24 | $298.9M | $59.5M |
总债务CASHLMB
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $30.5M | ||
| Q3 25 | $33.5M | $56.3M | ||
| Q2 25 | $33.4M | $28.4M | ||
| Q1 25 | $33.4M | $23.7M | ||
| Q4 24 | $33.4M | $23.6M | ||
| Q3 24 | $33.4M | $20.5M | ||
| Q2 24 | $33.3M | $19.7M |
股东权益CASHLMB
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $195.7M | ||
| Q3 25 | $858.0M | $181.6M | ||
| Q2 25 | $819.0M | $170.5M | ||
| Q1 25 | $814.7M | $161.1M | ||
| Q4 24 | $758.3M | $153.5M | ||
| Q3 24 | $822.5M | $142.2M | ||
| Q2 24 | $748.4M | $133.0M |
总资产CASHLMB
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $381.1M | ||
| Q3 25 | $7.2B | $409.1M | ||
| Q2 25 | $7.2B | $343.0M | ||
| Q1 25 | $7.0B | $336.4M | ||
| Q4 24 | $7.6B | $352.1M | ||
| Q3 24 | $7.5B | $324.4M | ||
| Q2 24 | $7.5B | $303.9M |
负债/权益比CASHLMB
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.16× | ||
| Q3 25 | 0.04× | 0.31× | ||
| Q2 25 | 0.04× | 0.17× | ||
| Q1 25 | 0.04× | 0.15× | ||
| Q4 24 | 0.04× | 0.15× | ||
| Q3 24 | 0.04× | 0.14× | ||
| Q2 24 | 0.04× | 0.15× |
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 | — | $28.1M |
| 自由现金流经营现金流 - 资本支出 | — | $27.9M |
| 自由现金流率自由现金流/营收 | — | 14.9% |
| 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 | — | 2.29× |
| 过去12个月自由现金流最近4个季度 | — | $41.9M |
8季度趋势，按日历期对齐
经营现金流CASHLMB
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $28.1M | ||
| Q3 25 | $303.7M | $13.3M | ||
| Q2 25 | $30.4M | $2.0M | ||
| Q1 25 | $188.3M | $2.2M | ||
| Q4 24 | $-71.7M | $19.3M | ||
| Q3 24 | $143.1M | $4.9M | ||
| Q2 24 | $113.2M | $16.5M |
自由现金流CASHLMB
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $27.9M | ||
| Q3 25 | $300.3M | $12.8M | ||
| Q2 25 | $27.7M | $1.2M | ||
| Q1 25 | $184.7M | $11.0K | ||
| Q4 24 | $-73.8M | $18.0M | ||
| Q3 24 | $138.8M | $4.6M | ||
| Q2 24 | $111.0M | $13.2M |
自由现金流率CASHLMB
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 14.9% | ||
| Q3 25 | 160.9% | 7.0% | ||
| Q2 25 | 14.1% | 0.8% | ||
| Q1 25 | 67.2% | 0.0% | ||
| Q4 24 | -40.4% | 12.5% | ||
| Q3 24 | 77.3% | 3.4% | ||
| Q2 24 | 58.8% | 10.8% |
资本支出强度CASHLMB
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 0.1% | ||
| Q3 25 | 1.8% | 0.3% | ||
| Q2 25 | 1.4% | 0.6% | ||
| Q1 25 | 1.3% | 1.7% | ||
| Q4 24 | 1.1% | 0.9% | ||
| Q3 24 | 2.4% | 0.3% | ||
| Q2 24 | 1.2% | 2.7% |
现金转化率CASHLMB
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 2.29× | ||
| Q3 25 | 7.83× | 1.52× | ||
| Q2 25 | 0.72× | 0.26× | ||
| Q1 25 | 2.51× | 0.22× | ||
| Q4 24 | -2.39× | 1.96× | ||
| Q3 24 | 4.27× | 0.66× | ||
| Q2 24 | 2.52× | 2.77× |
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% |
LMB
| Owner Direct Relationships Segment | $145.0M | 78% |
| General Contractor Construction Manager Relationships Segment | $41.9M | 22% |
