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PATHWARD FINANCIAL, INC.（CASH）与RBC Bearings INC（RBC）财务数据对比。点击上方公司名可切换其他公司
RBC Bearings INC的季度营收约是PATHWARD FINANCIAL, INC.的1.7倍（$461.6M vs $276.3M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 14.6%，领先11.8%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs 5.6%）
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。
该文本实际介绍的并非RBC Bearings，而是美国多佛公司。多佛是一家工业产品综合制造商，1955年成立，总部位于伊利诺伊州当纳斯格罗夫。2021年其业务分为五大板块：工程产品、清洁能源与加注、成像与识别、泵与工艺解决方案、气候与可持续技术，是标普500成分股，在纽约证券交易所上市。
CASH vs RBC — 直观对比
营收规模更大
RBC
是对方的1.7倍
$276.3M
净利率更高
CASH
高出11.8%
14.6%
两年增速更快
CASH
近两年复合增速
5.6%
损益表 — Q2 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $461.6M |
| 净利润 | $72.9M | $67.4M |
| 毛利率 | — | 44.3% |
| 营业利润率 | — | 22.3% |
| 净利率 | 26.4% | 14.6% |
| 营收同比 | — | 17.0% |
| 净利润同比 | — | 16.4% |
| 每股收益（稀释后） | $3.35 | $2.13 |
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CASHRBC
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $461.6M | ||
| Q3 25 | $186.7M | $455.3M | ||
| Q2 25 | $195.8M | $436.0M | ||
| Q1 25 | $274.8M | $437.7M | ||
| Q4 24 | $182.6M | $394.4M | ||
| Q3 24 | $179.5M | $397.9M | ||
| Q2 24 | $188.6M | $406.3M |
净利润CASHRBC
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $67.4M | ||
| Q3 25 | $38.8M | $60.0M | ||
| Q2 25 | $42.1M | $68.5M | ||
| Q1 25 | $75.0M | $72.7M | ||
| Q4 24 | $30.0M | $57.9M | ||
| Q3 24 | $33.5M | $54.2M | ||
| Q2 24 | $44.9M | $61.4M |
毛利率CASHRBC
| Q1 26 | — | — | ||
| Q4 25 | — | 44.3% | ||
| Q3 25 | — | 44.1% | ||
| Q2 25 | — | 44.8% | ||
| Q1 25 | — | 44.2% | ||
| Q4 24 | — | 44.3% | ||
| Q3 24 | — | 43.7% | ||
| Q2 24 | — | 45.3% |
营业利润率CASHRBC
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 22.3% | ||
| Q3 25 | 25.9% | 21.5% | ||
| Q2 25 | 24.1% | 23.2% | ||
| Q1 25 | 33.2% | 23.0% | ||
| Q4 24 | 19.8% | 21.7% | ||
| Q3 24 | 20.9% | 21.6% | ||
| Q2 24 | 27.1% | 24.0% |
净利率CASHRBC
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 14.6% | ||
| Q3 25 | 20.8% | 13.2% | ||
| Q2 25 | 21.5% | 15.7% | ||
| Q1 25 | 27.3% | 16.6% | ||
| Q4 24 | 16.4% | 14.7% | ||
| Q3 24 | 18.7% | 13.6% | ||
| Q2 24 | 23.8% | 15.1% |
每股收益（稀释后）CASHRBC
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $2.13 | ||
| Q3 25 | $1.69 | $1.90 | ||
| Q2 25 | $1.81 | $2.17 | ||
| Q1 25 | $3.14 | $2.33 | ||
| Q4 24 | $1.23 | $1.82 | ||
| Q3 24 | $1.34 | $1.65 | ||
| Q2 24 | $1.78 | $1.90 |
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 | $107.6M |
| 总债务越低越好 | $59.5M | $990.2M |
| 股东权益账面价值 | $850.7M | $3.3B |
| 总资产 | $7.1B | $5.1B |
| 负债/权益比越低杠杆越低 | 0.07× | 0.30× |
8季度趋势，按日历期对齐
现金及短期投资CASHRBC
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $107.6M | ||
| Q3 25 | $120.6M | $91.2M | ||
| Q2 25 | $258.3M | $132.9M | ||
| Q1 25 | $254.2M | $36.8M | ||
| Q4 24 | $597.4M | — | ||
| Q3 24 | $158.3M | — | ||
| Q2 24 | $298.9M | $76.8M |
总债务CASHRBC
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $990.2M | ||
| Q3 25 | $33.5M | $1.1B | ||
| Q2 25 | $33.4M | $915.6M | ||
| Q1 25 | $33.4M | $920.1M | ||
| Q4 24 | $33.4M | — | ||
| Q3 24 | $33.4M | — | ||
| Q2 24 | $33.3M | — |
股东权益CASHRBC
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $3.3B | ||
| Q3 25 | $858.0M | $3.2B | ||
| Q2 25 | $819.0M | $3.1B | ||
| Q1 25 | $814.7M | $3.0B | ||
| Q4 24 | $758.3M | $2.9B | ||
| Q3 24 | $822.5M | $2.9B | ||
| Q2 24 | $748.4M | $2.8B |
总资产CASHRBC
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $5.1B | ||
| Q3 25 | $7.2B | $5.1B | ||
| Q2 25 | $7.2B | $4.8B | ||
| Q1 25 | $7.0B | $4.7B | ||
| Q4 24 | $7.6B | $4.7B | ||
| Q3 24 | $7.5B | $4.7B | ||
| Q2 24 | $7.5B | $4.7B |
负债/权益比CASHRBC
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.30× | ||
| Q3 25 | 0.04× | 0.34× | ||
| Q2 25 | 0.04× | 0.29× | ||
| Q1 25 | 0.04× | 0.30× | ||
| 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 | — | $122.1M |
| 自由现金流经营现金流 - 资本支出 | — | $99.1M |
| 自由现金流率自由现金流/营收 | — | 21.5% |
| 资本支出强度资本支出/营收 | — | 5.0% |
| 现金转化率经营现金流/净利润 | — | 1.81× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流CASHRBC
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $122.1M | ||
| Q3 25 | $303.7M | $88.4M | ||
| Q2 25 | $30.4M | $120.0M | ||
| Q1 25 | $188.3M | — | ||
| Q4 24 | $-71.7M | $84.0M | ||
| Q3 24 | $143.1M | — | ||
| Q2 24 | $113.2M | $97.4M |
自由现金流CASHRBC
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $99.1M | ||
| Q3 25 | $300.3M | $71.7M | ||
| Q2 25 | $27.7M | $104.3M | ||
| Q1 25 | $184.7M | — | ||
| Q4 24 | $-73.8M | $73.6M | ||
| Q3 24 | $138.8M | — | ||
| Q2 24 | $111.0M | $88.4M |
自由现金流率CASHRBC
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 21.5% | ||
| Q3 25 | 160.9% | 15.7% | ||
| Q2 25 | 14.1% | 23.9% | ||
| Q1 25 | 67.2% | — | ||
| Q4 24 | -40.4% | 18.7% | ||
| Q3 24 | 77.3% | — | ||
| Q2 24 | 58.8% | 21.8% |
资本支出强度CASHRBC
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 5.0% | ||
| Q3 25 | 1.8% | 3.7% | ||
| Q2 25 | 1.4% | 3.6% | ||
| Q1 25 | 1.3% | 3.2% | ||
| Q4 24 | 1.1% | 2.6% | ||
| Q3 24 | 2.4% | 4.1% | ||
| Q2 24 | 1.2% | 2.2% |
现金转化率CASHRBC
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 1.81× | ||
| Q3 25 | 7.83× | 1.47× | ||
| Q2 25 | 0.72× | 1.75× | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | 1.45× | ||
| Q3 24 | 4.27× | — | ||
| Q2 24 | 2.52× | 1.59× |
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% |
RBC
| Domestic | $413.3M | 90% |
| Foreign | $48.3M | 10% |
