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CATHAY GENERAL BANCORP（CATY）与INDEPENDENT BANK CORP（INDB）财务数据对比。点击上方公司名可切换其他公司
CATHAY GENERAL BANCORP的季度营收约是INDEPENDENT BANK CORP的1.0倍（$222.8M vs $212.5M），CATHAY GENERAL BANCORP净利率更高（653.4% vs 35.5%，领先618.0%），INDEPENDENT BANK CORP同比增速更快（46.9% vs 19.5%），CATHAY GENERAL BANCORP自由现金流更多（$363.7M vs $75.5M），过去两年INDEPENDENT BANK CORP的营收复合增速更高（24.3% vs 12.8%）
国泰万通金控是总部位于美国的银行控股公司，旗下运营国泰银行，面向亚裔社区、中小企业提供个人及商业存贷款、财富管理等金融服务，业务覆盖加州、纽约、得州等美国多州及部分亚洲市场。
Independent Bank Corp是一家总部位于美国密歇根州大急流城的商业银行，业务全部布局于密歇根州内，目前在全州范围内共设有62家实体营业网点，为当地个人及企业客户提供各类银行金融服务。
CATY vs INDB — 直观对比
营收规模更大
CATY
是对方的1.0倍
$212.5M
营收增速更快
INDB
高出27.4%
19.5%
净利率更高
CATY
高出618.0%
35.5%
自由现金流更多
CATY
多$288.1M
$75.5M
两年增速更快
INDB
近两年复合增速
12.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $222.8M | $212.5M |
| 净利润 | $90.5M | $75.3M |
| 毛利率 | — | — |
| 营业利润率 | 50.9% | — |
| 净利率 | 653.4% | 35.5% |
| 营收同比 | 19.5% | 46.9% |
| 净利润同比 | 12.9% | 50.6% |
| 每股收益（稀释后） | $1.33 | $1.51 |
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CATYINDB
| Q4 25 | $222.8M | $212.5M | ||
| Q3 25 | $210.6M | $203.3M | ||
| Q2 25 | $196.6M | $147.5M | ||
| Q1 25 | $187.8M | $145.5M | ||
| Q4 24 | $186.5M | $144.7M | ||
| Q3 24 | $189.5M | $141.7M | ||
| Q2 24 | $178.5M | $137.9M | ||
| Q1 24 | $175.2M | $137.4M |
净利润CATYINDB
| Q4 25 | $90.5M | $75.3M | ||
| Q3 25 | $77.7M | $34.3M | ||
| Q2 25 | $77.5M | $51.1M | ||
| Q1 25 | $69.5M | $44.4M | ||
| Q4 24 | $80.2M | $50.0M | ||
| Q3 24 | $67.5M | $42.9M | ||
| Q2 24 | $66.8M | $51.3M | ||
| Q1 24 | $71.4M | $47.8M |
营业利润率CATYINDB
| Q4 25 | 50.9% | — | ||
| Q3 25 | 44.5% | 21.8% | ||
| Q2 25 | 49.0% | 44.6% | ||
| Q1 25 | 46.1% | 39.3% | ||
| Q4 24 | 46.5% | — | ||
| Q3 24 | 41.2% | 39.0% | ||
| Q2 24 | 40.7% | 48.1% | ||
| Q1 24 | 45.7% | 45.5% |
净利率CATYINDB
| Q4 25 | 653.4% | 35.5% | ||
| Q3 25 | 36.9% | 16.8% | ||
| Q2 25 | 39.4% | 34.6% | ||
| Q1 25 | 37.0% | 30.5% | ||
| Q4 24 | 587.9% | 34.6% | ||
| Q3 24 | 35.6% | 30.3% | ||
| Q2 24 | 37.4% | 37.2% | ||
| Q1 24 | 40.8% | 34.8% |
每股收益（稀释后）CATYINDB
| Q4 25 | $1.33 | $1.51 | ||
| Q3 25 | $1.13 | $0.69 | ||
| Q2 25 | $1.10 | $1.20 | ||
| Q1 25 | $0.98 | $1.04 | ||
| Q4 24 | $1.11 | $1.18 | ||
| Q3 24 | $0.94 | $1.01 | ||
| Q2 24 | $0.92 | $1.21 | ||
| Q1 24 | $0.98 | $1.12 |
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 | — | — |
| 总债务越低越好 | $119.1M | — |
| 股东权益账面价值 | $2.9B | $3.6B |
| 总资产 | $24.2B | $24.9B |
| 负债/权益比越低杠杆越低 | 0.04× | — |
8季度趋势，按日历期对齐
总债务CATYINDB
| Q4 25 | $119.1M | — | ||
| Q3 25 | $119.1M | — | ||
| Q2 25 | $119.1M | — | ||
| Q1 25 | $119.1M | — | ||
| Q4 24 | $119.1M | — | ||
| Q3 24 | $119.1M | — | ||
| Q2 24 | $119.1M | — | ||
| Q1 24 | $119.1M | — |
股东权益CATYINDB
| Q4 25 | $2.9B | $3.6B | ||
| Q3 25 | $2.9B | $3.5B | ||
| Q2 25 | $2.9B | $3.1B | ||
| Q1 25 | $2.9B | $3.0B | ||
| Q4 24 | $2.8B | $3.0B | ||
| Q3 24 | $2.8B | $3.0B | ||
| Q2 24 | $2.8B | $2.9B | ||
| Q1 24 | $2.8B | $2.9B |
总资产CATYINDB
| Q4 25 | $24.2B | $24.9B | ||
| Q3 25 | $24.1B | $25.0B | ||
| Q2 25 | $23.7B | $20.0B | ||
| Q1 25 | $23.2B | $19.9B | ||
| Q4 24 | $23.1B | $19.4B | ||
| Q3 24 | $23.3B | $19.4B | ||
| Q2 24 | $23.2B | $19.4B | ||
| Q1 24 | $23.4B | $19.3B |
负债/权益比CATYINDB
| 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 | 0.04× | — |
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 | $368.6M | $78.9M |
| 自由现金流经营现金流 - 资本支出 | $363.7M | $75.5M |
| 自由现金流率自由现金流/营收 | 163.2% | 35.5% |
| 资本支出强度资本支出/营收 | 2.2% | 1.6% |
| 现金转化率经营现金流/净利润 | 4.07× | 1.05× |
| 过去12个月自由现金流最近4个季度 | $672.7M | $239.0M |
8季度趋势，按日历期对齐
经营现金流CATYINDB
| Q4 25 | $368.6M | $78.9M | ||
| Q3 25 | $150.6M | $52.2M | ||
| Q2 25 | $64.0M | $106.7M | ||
| Q1 25 | $99.0M | $13.3M | ||
| Q4 24 | $329.2M | $42.9M | ||
| Q3 24 | $81.2M | $70.2M | ||
| Q2 24 | $72.9M | $65.6M | ||
| Q1 24 | $88.2M | $51.1M |
自由现金流CATYINDB
| Q4 25 | $363.7M | $75.5M | ||
| Q3 25 | $150.1M | $49.7M | ||
| Q2 25 | $62.7M | $102.5M | ||
| Q1 25 | $96.3M | $11.3M | ||
| Q4 24 | $325.5M | $36.5M | ||
| Q3 24 | $80.0M | $64.4M | ||
| Q2 24 | $72.4M | $61.9M | ||
| Q1 24 | $87.3M | $46.7M |
自由现金流率CATYINDB
| Q4 25 | 163.2% | 35.5% | ||
| Q3 25 | 71.3% | 24.4% | ||
| Q2 25 | 31.9% | 69.5% | ||
| Q1 25 | 51.2% | 7.8% | ||
| Q4 24 | 174.6% | 25.2% | ||
| Q3 24 | 42.2% | 45.4% | ||
| Q2 24 | 40.5% | 44.9% | ||
| Q1 24 | 49.8% | 34.0% |
资本支出强度CATYINDB
| Q4 25 | 2.2% | 1.6% | ||
| Q3 25 | 0.2% | 1.2% | ||
| Q2 25 | 0.6% | 2.9% | ||
| Q1 25 | 1.4% | 1.4% | ||
| Q4 24 | 1.9% | 4.4% | ||
| Q3 24 | 0.6% | 4.1% | ||
| Q2 24 | 0.3% | 2.7% | ||
| Q1 24 | 0.5% | 3.2% |
现金转化率CATYINDB
| Q4 25 | 4.07× | 1.05× | ||
| Q3 25 | 1.94× | 1.52× | ||
| Q2 25 | 0.83× | 2.09× | ||
| Q1 25 | 1.42× | 0.30× | ||
| Q4 24 | 4.10× | 0.86× | ||
| Q3 24 | 1.20× | 1.64× | ||
| Q2 24 | 1.09× | 1.28× | ||
| Q1 24 | 1.23× | 1.07× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
