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PATHWARD FINANCIAL, INC.（CASH）与WESBANCO INC（WSBC）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WESBANCO INC的1.1倍（$276.3M vs $257.2M），WESBANCO INC净利率更高（34.5% vs 26.4%，领先8.1%），过去两年WESBANCO INC的营收复合增速更高（31.9% 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。
WesBanco是一家总部位于美国西弗吉尼亚州惠灵的银行控股公司，业务覆盖广泛，目前在西弗吉尼亚州、俄亥俄州、宾夕法尼亚州西部、肯塔基州、马里兰州及印第安纳州南部拥有超过200家营业网点，为当地客户提供多元金融服务。
CASH vs WSBC — 直观对比
营收规模更大
CASH
是对方的1.1倍
$257.2M
净利率更高
WSBC
高出8.1%
26.4%
两年增速更快
WSBC
近两年复合增速
21.0%
损益表 — Q2 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $276.3M | $257.2M |
| 净利润 | $72.9M | $88.6M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 26.4% | 34.5% |
| 营收同比 | — | — |
| 净利润同比 | — | 54.4% |
| 每股收益（稀释后） | $3.35 | $0.88 |
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CASHWSBC
| Q1 26 | $276.3M | $257.2M | ||
| Q4 25 | $173.1M | $265.6M | ||
| Q3 25 | $186.7M | $261.6M | ||
| Q2 25 | $195.8M | $260.7M | ||
| Q1 25 | $274.8M | $193.2M | ||
| Q4 24 | $182.6M | $162.9M | ||
| Q3 24 | $179.5M | $150.8M | ||
| Q2 24 | $188.6M | $147.9M |
净利润CASHWSBC
| Q1 26 | $72.9M | $88.6M | ||
| Q4 25 | $35.2M | $91.1M | ||
| Q3 25 | $38.8M | $83.6M | ||
| Q2 25 | $42.1M | $57.4M | ||
| Q1 25 | $75.0M | $-9.0M | ||
| Q4 24 | $30.0M | $49.6M | ||
| Q3 24 | $33.5M | $37.3M | ||
| Q2 24 | $44.9M | $28.9M |
营业利润率CASHWSBC
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 43.2% | ||
| Q3 25 | 25.9% | 39.5% | ||
| Q2 25 | 24.1% | 27.2% | ||
| Q1 25 | 33.2% | -5.0% | ||
| Q4 24 | 19.8% | 38.0% | ||
| Q3 24 | 20.9% | 29.7% | ||
| Q2 24 | 27.1% | 23.7% |
净利率CASHWSBC
| Q1 26 | 26.4% | 34.5% | ||
| Q4 25 | 20.3% | 34.3% | ||
| Q3 25 | 20.8% | 31.9% | ||
| Q2 25 | 21.5% | 22.0% | ||
| Q1 25 | 27.3% | -4.7% | ||
| Q4 24 | 16.4% | 30.5% | ||
| Q3 24 | 18.7% | 24.7% | ||
| Q2 24 | 23.8% | 19.5% |
每股收益（稀释后）CASHWSBC
| Q1 26 | $3.35 | $0.88 | ||
| Q4 25 | $1.57 | $0.97 | ||
| Q3 25 | $1.69 | $0.84 | ||
| Q2 25 | $1.81 | $0.57 | ||
| Q1 25 | $3.14 | $-0.15 | ||
| Q4 24 | $1.23 | $0.72 | ||
| Q3 24 | $1.34 | $0.54 | ||
| Q2 24 | $1.78 | $0.44 |
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 | — |
| 总债务越低越好 | $59.5M | — |
| 股东权益账面价值 | $850.7M | $4.1B |
| 总资产 | $7.1B | $27.5B |
| 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CASHWSBC
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $956.1M | ||
| Q3 25 | $120.6M | $1.0B | ||
| Q2 25 | $258.3M | $1.2B | ||
| Q1 25 | $254.2M | $1.1B | ||
| Q4 24 | $597.4M | $568.1M | ||
| Q3 24 | $158.3M | $620.9M | ||
| Q2 24 | $298.9M | $486.8M |
总债务CASHWSBC
| Q1 26 | $59.5M | — | ||
| 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 | — |
股东权益CASHWSBC
| Q1 26 | $850.7M | $4.1B | ||
| Q4 25 | $854.5M | $4.0B | ||
| Q3 25 | $858.0M | $4.1B | ||
| Q2 25 | $819.0M | $3.8B | ||
| Q1 25 | $814.7M | $3.8B | ||
| Q4 24 | $758.3M | $2.8B | ||
| Q3 24 | $822.5M | $2.8B | ||
| Q2 24 | $748.4M | $2.5B |
总资产CASHWSBC
| Q1 26 | $7.1B | $27.5B | ||
| Q4 25 | $7.6B | $27.7B | ||
| Q3 25 | $7.2B | $27.5B | ||
| Q2 25 | $7.2B | $27.6B | ||
| Q1 25 | $7.0B | $27.4B | ||
| Q4 24 | $7.6B | $18.7B | ||
| Q3 24 | $7.5B | $18.5B | ||
| Q2 24 | $7.5B | $18.1B |
负债/权益比CASHWSBC
| 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× | — | ||
| Q2 24 | 0.04× | — |
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% |
WSBC
| Net Interest Income | $215.4M | 84% |
| Noninterest Income | $41.8M | 16% |
