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PATHWARD FINANCIAL, INC.（CASH）与UNITIL CORP（UTL）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UNITIL CORP的1.7倍（$276.3M vs $161.5M），PATHWARD FINANCIAL, INC.净利率更高（26.4% vs 11.8%，领先14.6%），过去两年PATHWARD FINANCIAL, INC.的营收复合增速更高（21.0% vs -4.9%）
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。
Unitil是一家跨州电力与天然气公用事业公司，业务覆盖美国新罕布什尔州、马萨诸塞州与缅因州。公司最早前身是1849年在缅因州成立的波特兰煤气灯公司，现企业主体于1984年设立，总部位于新罕布什尔州。目前公司总市值约6.8651亿美元，为约10.24万电力客户、超7.59万天然气客户提供服务。
CASH vs UTL — 直观对比
营收规模更大
CASH
是对方的1.7倍
$161.5M
净利率更高
CASH
高出14.6%
11.8%
两年增速更快
CASH
近两年复合增速
-4.9%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $161.5M |
| 净利润 | $72.9M | $19.0M |
| 毛利率 | — | — |
| 营业利润率 | — | 21.5% |
| 净利率 | 26.4% | 11.8% |
| 营收同比 | — | 26.7% |
| 净利润同比 | — | 21.8% |
| 每股收益（稀释后） | $3.35 | $1.05 |
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CASHUTL
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $161.5M | ||
| Q3 25 | $186.7M | $101.1M | ||
| Q2 25 | $195.8M | $102.6M | ||
| Q1 25 | $274.8M | $170.8M | ||
| Q4 24 | $182.6M | $127.5M | ||
| Q3 24 | $179.5M | $92.9M | ||
| Q2 24 | $188.6M | $95.7M |
净利润CASHUTL
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $19.0M | ||
| Q3 25 | $38.8M | $-300.0K | ||
| Q2 25 | $42.1M | $4.0M | ||
| Q1 25 | $75.0M | $27.5M | ||
| Q4 24 | $30.0M | $15.6M | ||
| Q3 24 | $33.5M | $0 | ||
| Q2 24 | $44.9M | $4.3M |
营业利润率CASHUTL
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 21.5% | ||
| Q3 25 | 25.9% | 6.9% | ||
| Q2 25 | 24.1% | 13.0% | ||
| Q1 25 | 33.2% | 27.0% | ||
| Q4 24 | 19.8% | 22.1% | ||
| Q3 24 | 20.9% | 6.2% | ||
| Q2 24 | 27.1% | 13.0% |
净利率CASHUTL
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 11.8% | ||
| Q3 25 | 20.8% | -0.3% | ||
| Q2 25 | 21.5% | 3.9% | ||
| Q1 25 | 27.3% | 16.1% | ||
| Q4 24 | 16.4% | 12.2% | ||
| Q3 24 | 18.7% | — | ||
| Q2 24 | 23.8% | 4.5% |
每股收益（稀释后）CASHUTL
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $1.05 | ||
| Q3 25 | $1.69 | $-0.02 | ||
| Q2 25 | $1.81 | $0.25 | ||
| Q1 25 | $3.14 | $1.69 | ||
| Q4 24 | $1.23 | $0.97 | ||
| Q3 24 | $1.34 | $0.00 | ||
| Q2 24 | $1.78 | $0.27 |
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 | $670.5M |
| 股东权益账面价值 | $850.7M | $609.6M |
| 总资产 | $7.1B | $2.1B |
| 负债/权益比越低杠杆越低 | 0.07× | 1.10× |
8季度趋势，按日历期对齐
现金及短期投资CASHUTL
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $15.6M | ||
| Q3 25 | $120.6M | $14.6M | ||
| Q2 25 | $258.3M | $8.5M | ||
| Q1 25 | $254.2M | $10.2M | ||
| Q4 24 | $597.4M | $6.3M | ||
| Q3 24 | $158.3M | $6.3M | ||
| Q2 24 | $298.9M | $2.8M |
总债务CASHUTL
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $670.5M | ||
| Q3 25 | $33.5M | $670.5M | ||
| Q2 25 | $33.4M | $640.7M | ||
| Q1 25 | $33.4M | $642.1M | ||
| Q4 24 | $33.4M | $643.3M | ||
| Q3 24 | $33.4M | $643.3M | ||
| Q2 24 | $33.3M | $511.3M |
股东权益CASHUTL
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $609.6M | ||
| Q3 25 | $858.0M | $597.2M | ||
| Q2 25 | $819.0M | $532.8M | ||
| Q1 25 | $814.7M | $534.1M | ||
| Q4 24 | $758.3M | $512.5M | ||
| Q3 24 | $822.5M | $502.4M | ||
| Q2 24 | $748.4M | $508.8M |
总资产CASHUTL
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $2.1B | ||
| Q3 25 | $7.2B | $1.9B | ||
| Q2 25 | $7.2B | $1.9B | ||
| Q1 25 | $7.0B | $1.9B | ||
| Q4 24 | $7.6B | $1.8B | ||
| Q3 24 | $7.5B | $1.7B | ||
| Q2 24 | $7.5B | $1.7B |
负债/权益比CASHUTL
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 1.10× | ||
| Q3 25 | 0.04× | 1.12× | ||
| Q2 25 | 0.04× | 1.20× | ||
| Q1 25 | 0.04× | 1.20× | ||
| Q4 24 | 0.04× | 1.26× | ||
| Q3 24 | 0.04× | 1.28× | ||
| Q2 24 | 0.04× | 1.00× |
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 | — | $21.4M |
| 自由现金流经营现金流 - 资本支出 | — | $-36.3M |
| 自由现金流率自由现金流/营收 | — | -22.5% |
| 资本支出强度资本支出/营收 | — | 35.7% |
| 现金转化率经营现金流/净利润 | — | 1.13× |
| 过去12个月自由现金流最近4个季度 | — | $-53.8M |
8季度趋势，按日历期对齐
经营现金流CASHUTL
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $21.4M | ||
| Q3 25 | $303.7M | $15.6M | ||
| Q2 25 | $30.4M | $42.2M | ||
| Q1 25 | $188.3M | $52.1M | ||
| Q4 24 | $-71.7M | $23.3M | ||
| Q3 24 | $143.1M | $26.1M | ||
| Q2 24 | $113.2M | $49.9M |
自由现金流CASHUTL
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $-36.3M | ||
| Q3 25 | $300.3M | $-39.0M | ||
| Q2 25 | $27.7M | $2.0M | ||
| Q1 25 | $184.7M | $19.5M | ||
| Q4 24 | $-73.8M | $-32.3M | ||
| Q3 24 | $138.8M | $-31.3M | ||
| Q2 24 | $111.0M | $13.2M |
自由现金流率CASHUTL
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | -22.5% | ||
| Q3 25 | 160.9% | -38.6% | ||
| Q2 25 | 14.1% | 1.9% | ||
| Q1 25 | 67.2% | 11.4% | ||
| Q4 24 | -40.4% | -25.3% | ||
| Q3 24 | 77.3% | -33.7% | ||
| Q2 24 | 58.8% | 13.8% |
资本支出强度CASHUTL
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 35.7% | ||
| Q3 25 | 1.8% | 54.0% | ||
| Q2 25 | 1.4% | 39.2% | ||
| Q1 25 | 1.3% | 19.1% | ||
| Q4 24 | 1.1% | 43.6% | ||
| Q3 24 | 2.4% | 61.8% | ||
| Q2 24 | 1.2% | 38.3% |
现金转化率CASHUTL
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 1.13× | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | 10.55× | ||
| Q1 25 | 2.51× | 1.89× | ||
| Q4 24 | -2.39× | 1.49× | ||
| Q3 24 | 4.27× | — | ||
| Q2 24 | 2.52× | 11.60× |
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% |
UTL
暂无分部数据
