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PATHWARD FINANCIAL, INC.（CASH）与Shimmick Corp（SHIM）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Shimmick Corp的1.9倍（$276.3M vs $141.9M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs -3.1%，领先29.5%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs -10.1%）
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。
Shimmick Corp是一家总部位于美国的重型民用建筑企业，专注于水处理设施、交通系统、大坝工程、环境修复等关键公共基础设施的建造与升级，主要服务北美各级政府客户，承接各类复杂大型建筑项目。
CASH vs SHIM — 直观对比
营收规模更大
CASH
是对方的1.9倍
$141.9M
净利率更高
CASH
高出29.5%
-3.1%
两年增速更快
CASH
近两年复合增速
-10.1%
损益表 — Q2 FY2026 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $141.9M |
| 净利润 | $72.9M | $-4.4M |
| 毛利率 | — | 7.6% |
| 营业利润率 | — | -2.2% |
| 净利率 | 26.4% | -3.1% |
| 营收同比 | — | — |
| 净利润同比 | — | — |
| 每股收益（稀释后） | $3.35 | $-0.12 |
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CASHSHIM
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $141.9M | ||
| Q3 25 | $186.7M | $128.4M | ||
| Q2 25 | $195.8M | $122.1M | ||
| Q1 25 | $274.8M | $103.6M | ||
| Q4 24 | $182.6M | — | ||
| Q3 24 | $179.5M | $166.0M | ||
| Q2 24 | $188.6M | $90.6M |
净利润CASHSHIM
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $-4.4M | ||
| Q3 25 | $38.8M | $-8.5M | ||
| Q2 25 | $42.1M | $-9.8M | ||
| Q1 25 | $75.0M | $-38.5M | ||
| Q4 24 | $30.0M | — | ||
| Q3 24 | $33.5M | $-1.6M | ||
| Q2 24 | $44.9M | $-51.4M |
毛利率CASHSHIM
| Q1 26 | — | — | ||
| Q4 25 | — | 7.6% | ||
| Q3 25 | — | 6.3% | ||
| Q2 25 | — | 3.8% | ||
| Q1 25 | — | -20.1% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 7.3% | ||
| Q2 24 | — | -34.4% |
营业利润率CASHSHIM
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | -2.2% | ||
| Q3 25 | 25.9% | -5.5% | ||
| Q2 25 | 24.1% | -7.3% | ||
| Q1 25 | 33.2% | -39.3% | ||
| Q4 24 | 19.8% | — | ||
| Q3 24 | 20.9% | 0.7% | ||
| Q2 24 | 27.1% | -53.0% |
净利率CASHSHIM
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | -3.1% | ||
| Q3 25 | 20.8% | -6.6% | ||
| Q2 25 | 21.5% | -8.0% | ||
| Q1 25 | 27.3% | -37.1% | ||
| Q4 24 | 16.4% | — | ||
| Q3 24 | 18.7% | -0.9% | ||
| Q2 24 | 23.8% | -56.7% |
每股收益（稀释后）CASHSHIM
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $-0.12 | ||
| Q3 25 | $1.69 | $-0.25 | ||
| Q2 25 | $1.81 | $-0.28 | ||
| Q1 25 | $3.14 | $-0.92 | ||
| Q4 24 | $1.23 | — | ||
| Q3 24 | $1.34 | $-0.05 | ||
| Q2 24 | $1.78 | $-1.83 |
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 | $17.6M |
| 总债务越低越好 | $59.5M | $57.5M |
| 股东权益账面价值 | $850.7M | $-52.7M |
| 总资产 | $7.1B | $218.5M |
| 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CASHSHIM
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $17.6M | ||
| Q3 25 | $120.6M | $21.4M | ||
| Q2 25 | $258.3M | $16.3M | ||
| Q1 25 | $254.2M | $33.7M | ||
| Q4 24 | $597.4M | — | ||
| Q3 24 | $158.3M | $26.0M | ||
| Q2 24 | $298.9M | $22.4M |
总债务CASHSHIM
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $57.5M | ||
| Q3 25 | $33.5M | $36.4M | ||
| Q2 25 | $33.4M | $31.4M | ||
| Q1 25 | $33.4M | $9.5M | ||
| Q4 24 | $33.4M | — | ||
| Q3 24 | $33.4M | $39.9M | ||
| Q2 24 | $33.3M | — |
股东权益CASHSHIM
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $-52.7M | ||
| Q3 25 | $858.0M | $-49.5M | ||
| Q2 25 | $819.0M | $-42.6M | ||
| Q1 25 | $814.7M | $-34.7M | ||
| Q4 24 | $758.3M | — | ||
| Q3 24 | $822.5M | $973.0K | ||
| Q2 24 | $748.4M | $436.0K |
总资产CASHSHIM
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $218.5M | ||
| Q3 25 | $7.2B | $203.0M | ||
| Q2 25 | $7.2B | $227.7M | ||
| Q1 25 | $7.0B | $233.9M | ||
| Q4 24 | $7.6B | — | ||
| Q3 24 | $7.5B | $346.7M | ||
| Q2 24 | $7.5B | $344.5M |
负债/权益比CASHSHIM
| 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× | 41.01× | ||
| 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 | — | $-23.7M |
| 自由现金流经营现金流 - 资本支出 | — | $-28.7M |
| 自由现金流率自由现金流/营收 | — | -20.2% |
| 资本支出强度资本支出/营收 | — | 3.5% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $-27.2M |
8季度趋势，按日历期对齐
经营现金流CASHSHIM
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $-23.7M | ||
| Q3 25 | $303.7M | $-3.8M | ||
| Q2 25 | $30.4M | $-38.2M | ||
| Q1 25 | $188.3M | $44.9M | ||
| Q4 24 | $-71.7M | — | ||
| Q3 24 | $143.1M | $12.7M | ||
| Q2 24 | $113.2M | $-43.9M |
自由现金流CASHSHIM
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $-28.7M | ||
| Q3 25 | $300.3M | $-4.2M | ||
| Q2 25 | $27.7M | $-38.7M | ||
| Q1 25 | $184.7M | $44.4M | ||
| Q4 24 | $-73.8M | — | ||
| Q3 24 | $138.8M | $10.3M | ||
| Q2 24 | $111.0M | $-46.8M |
自由现金流率CASHSHIM
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | -20.2% | ||
| Q3 25 | 160.9% | -3.2% | ||
| Q2 25 | 14.1% | -31.7% | ||
| Q1 25 | 67.2% | 42.9% | ||
| Q4 24 | -40.4% | — | ||
| Q3 24 | 77.3% | 6.2% | ||
| Q2 24 | 58.8% | -51.7% |
资本支出强度CASHSHIM
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 3.5% | ||
| Q3 25 | 1.8% | 0.3% | ||
| Q2 25 | 1.4% | 0.4% | ||
| Q1 25 | 1.3% | 0.5% | ||
| Q4 24 | 1.1% | — | ||
| Q3 24 | 2.4% | 1.4% | ||
| Q2 24 | 1.2% | 3.3% |
现金转化率CASHSHIM
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | — | ||
| Q2 24 | 2.52× | — |
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% |
SHIM
| Shimmick Projects | $106.8M | 75% |
| Non Core Projects | $35.1M | 25% |
