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PATHWARD FINANCIAL, INC.（CASH）与PARK NATIONAL CORP（PRK）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PARK NATIONAL CORP的1.0倍（$173.1M vs $168.3M），PARK NATIONAL CORP净利率更高（25.3% vs 20.3%，领先5.0%），PARK NATIONAL CORP同比增速更快（2.2% vs -0.2%），PARK NATIONAL CORP自由现金流更多（$191.9M vs $104.1M），过去两年PARK NATIONAL CORP的营收复合增速更高（4.9% 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。
国家零售系统公司（NRS）旗下包含基石货运公司与国家零售运输公司，是一家成立于1952年的资产型第三方物流服务商，总部位于美国新泽西州林德赫斯特，为客户提供专业的物流供应链相关解决方案。
CASH vs PRK — 直观对比
营收规模更大
CASH
是对方的1.0倍
$168.3M
营收增速更快
PRK
高出2.4%
-0.2%
净利率更高
PRK
高出5.0%
20.3%
自由现金流更多
PRK
多$87.9M
$104.1M
两年增速更快
PRK
近两年复合增速
-18.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $173.1M | $168.3M |
| 净利润 | $35.2M | $42.6M |
| 毛利率 | — | — |
| 营业利润率 | 24.6% | — |
| 净利率 | 20.3% | 25.3% |
| 营收同比 | -0.2% | 2.2% |
| 净利润同比 | 11.9% | 10.4% |
| 每股收益（稀释后） | $1.57 | $2.62 |
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CASHPRK
| Q4 25 | $173.1M | $168.3M | ||
| Q3 25 | $186.7M | $169.5M | ||
| Q2 25 | $195.8M | $168.7M | ||
| Q1 25 | $274.8M | $157.9M | ||
| Q4 24 | $182.6M | $164.7M | ||
| Q3 24 | $179.5M | $170.3M | ||
| Q2 24 | $188.6M | $157.7M | ||
| Q1 24 | $257.6M | $152.8M |
净利润CASHPRK
| Q4 25 | $35.2M | $42.6M | ||
| Q3 25 | $38.8M | $47.2M | ||
| Q2 25 | $42.1M | $48.1M | ||
| Q1 25 | $75.0M | $42.2M | ||
| Q4 24 | $30.0M | $38.6M | ||
| Q3 24 | $33.5M | $38.2M | ||
| Q2 24 | $44.9M | $39.4M | ||
| Q1 24 | $69.9M | $35.2M |
营业利润率CASHPRK
| Q4 25 | 24.6% | — | ||
| Q3 25 | 25.9% | 34.3% | ||
| Q2 25 | 24.1% | 35.2% | ||
| Q1 25 | 33.2% | 32.4% | ||
| Q4 24 | 19.8% | — | ||
| Q3 24 | 20.9% | 27.4% | ||
| Q2 24 | 27.1% | 30.6% | ||
| Q1 24 | 33.8% | 27.8% |
净利率CASHPRK
| Q4 25 | 20.3% | 25.3% | ||
| Q3 25 | 20.8% | 27.8% | ||
| Q2 25 | 21.5% | 28.5% | ||
| Q1 25 | 27.3% | 26.7% | ||
| Q4 24 | 16.4% | 23.5% | ||
| Q3 24 | 18.7% | 22.4% | ||
| Q2 24 | 23.8% | 25.0% | ||
| Q1 24 | 27.1% | 23.0% |
每股收益（稀释后）CASHPRK
| Q4 25 | $1.57 | $2.62 | ||
| Q3 25 | $1.69 | $2.92 | ||
| Q2 25 | $1.81 | $2.97 | ||
| Q1 25 | $3.14 | $2.60 | ||
| Q4 24 | $1.23 | $2.38 | ||
| Q3 24 | $1.34 | $2.35 | ||
| Q2 24 | $1.78 | $2.42 | ||
| Q1 24 | $2.74 | $2.17 |
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 | $233.5M |
| 总债务越低越好 | $33.5M | — |
| 股东权益账面价值 | $854.5M | $1.4B |
| 总资产 | $7.6B | $9.8B |
| 负债/权益比越低杠杆越低 | 0.04× | — |
8季度趋势，按日历期对齐
现金及短期投资CASHPRK
| Q4 25 | $331.2M | $233.5M | ||
| Q3 25 | $120.6M | $218.9M | ||
| Q2 25 | $258.3M | $193.1M | ||
| Q1 25 | $254.2M | $237.6M | ||
| Q4 24 | $597.4M | $160.6M | ||
| Q3 24 | $158.3M | $201.7M | ||
| Q2 24 | $298.9M | $261.5M | ||
| Q1 24 | $347.9M | $306.1M |
总债务CASHPRK
| 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 | — | ||
| Q1 24 | $33.4M | — |
股东权益CASHPRK
| Q4 25 | $854.5M | $1.4B | ||
| Q3 25 | $858.0M | $1.3B | ||
| Q2 25 | $819.0M | $1.3B | ||
| Q1 25 | $814.7M | $1.3B | ||
| Q4 24 | $758.3M | $1.2B | ||
| Q3 24 | $822.5M | $1.2B | ||
| Q2 24 | $748.4M | $1.2B | ||
| Q1 24 | $719.5M | $1.2B |
总资产CASHPRK
| Q4 25 | $7.6B | $9.8B | ||
| Q3 25 | $7.2B | $9.9B | ||
| Q2 25 | $7.2B | $9.9B | ||
| Q1 25 | $7.0B | $9.9B | ||
| Q4 24 | $7.6B | $9.8B | ||
| Q3 24 | $7.5B | $9.9B | ||
| Q2 24 | $7.5B | $9.9B | ||
| Q1 24 | $7.4B | $9.9B |
负债/权益比CASHPRK
| 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× | — | ||
| Q1 24 | 0.05× | — |
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 | $198.3M |
| 自由现金流经营现金流 - 资本支出 | $104.1M | $191.9M |
| 自由现金流率自由现金流/营收 | 60.1% | 114.1% |
| 资本支出强度资本支出/营收 | 2.4% | 3.8% |
| 现金转化率经营现金流/净利润 | 3.08× | 4.65× |
| 过去12个月自由现金流最近4个季度 | $616.8M | $328.2M |
8季度趋势，按日历期对齐
经营现金流CASHPRK
| Q4 25 | $108.3M | $198.3M | ||
| Q3 25 | $303.7M | $52.6M | ||
| Q2 25 | $30.4M | $49.7M | ||
| Q1 25 | $188.3M | $37.9M | ||
| Q4 24 | $-71.7M | $178.8M | ||
| Q3 24 | $143.1M | $43.8M | ||
| Q2 24 | $113.2M | $50.9M | ||
| Q1 24 | $203.0M | $35.0M |
自由现金流CASHPRK
| Q4 25 | $104.1M | $191.9M | ||
| Q3 25 | $300.3M | $51.1M | ||
| Q2 25 | $27.7M | $48.4M | ||
| Q1 25 | $184.7M | $36.8M | ||
| Q4 24 | $-73.8M | $169.7M | ||
| Q3 24 | $138.8M | $41.7M | ||
| Q2 24 | $111.0M | $49.0M | ||
| Q1 24 | $201.3M | $31.9M |
自由现金流率CASHPRK
| Q4 25 | 60.1% | 114.1% | ||
| Q3 25 | 160.9% | 30.1% | ||
| Q2 25 | 14.1% | 28.7% | ||
| Q1 25 | 67.2% | 23.3% | ||
| Q4 24 | -40.4% | 103.0% | ||
| Q3 24 | 77.3% | 24.5% | ||
| Q2 24 | 58.8% | 31.1% | ||
| Q1 24 | 78.1% | 20.8% |
资本支出强度CASHPRK
| Q4 25 | 2.4% | 3.8% | ||
| Q3 25 | 1.8% | 0.9% | ||
| Q2 25 | 1.4% | 0.8% | ||
| Q1 25 | 1.3% | 0.7% | ||
| Q4 24 | 1.1% | 5.6% | ||
| Q3 24 | 2.4% | 1.2% | ||
| Q2 24 | 1.2% | 1.2% | ||
| Q1 24 | 0.7% | 2.1% |
现金转化率CASHPRK
| Q4 25 | 3.08× | 4.65× | ||
| Q3 25 | 7.83× | 1.11× | ||
| Q2 25 | 0.72× | 1.03× | ||
| Q1 25 | 2.51× | 0.90× | ||
| Q4 24 | -2.39× | 4.63× | ||
| Q3 24 | 4.27× | 1.14× | ||
| Q2 24 | 2.52× | 1.29× | ||
| Q1 24 | 2.90× | 0.99× |
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% |
PRK
暂无分部数据
