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COMMERCE BANCSHARES INC（CBSH）与FIRST INTERSTATE BANCSYSTEM INC（FIBK）财务数据对比。点击上方公司名可切换其他公司
COMMERCE BANCSHARES INC的季度营收约是FIRST INTERSTATE BANCSYSTEM INC的1.5倍（$475.7M vs $313.0M），FIRST INTERSTATE BANCSYSTEM INC净利率更高（34.8% vs 29.8%，领先5.0%），FIRST INTERSTATE BANCSYSTEM INC同比增速更快（19.8% vs 11.1%），过去两年FIRST INTERSTATE BANCSYSTEM INC的营收复合增速更高（13.7% vs 7.1%）
Commerce Bancshares, Inc.是总部位于美国密苏里州的区域性银行控股公司，在堪萨斯城和圣路易斯设有核心办公点，旗下Commerce Bank提供多元化金融服务，覆盖企业及个人银行、财富管理、关联公司投资等业务。
第一州际银行系统公司是总部位于美国蒙大拿州比灵斯的金融控股公司，旗下拥有第一州际银行，该社区银行的服务网点覆盖美国西部和中西部共14个州，按总资产计算是蒙大拿州规模最大的银行。
CBSH vs FIBK — 直观对比
营收规模更大
CBSH
是对方的1.5倍
$313.0M
营收增速更快
FIBK
高出8.7%
11.1%
净利率更高
FIBK
高出5.0%
29.8%
两年增速更快
FIBK
近两年复合增速
7.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $475.7M | $313.0M |
| 净利润 | $141.6M | $108.8M |
| 毛利率 | — | — |
| 营业利润率 | — | 44.5% |
| 净利率 | 29.8% | 34.8% |
| 营收同比 | 11.1% | 19.8% |
| 净利润同比 | 0.7% | 108.8% |
| 每股收益（稀释后） | $0.96 | $1.07 |
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CBSHFIBK
| Q1 26 | $475.7M | — | ||
| Q4 25 | $449.4M | $313.0M | ||
| Q3 25 | $441.0M | $250.5M | ||
| Q2 25 | $445.8M | $248.3M | ||
| Q1 25 | $428.1M | $247.0M | ||
| Q4 24 | $422.1M | $261.3M | ||
| Q3 24 | $421.4M | $251.9M | ||
| Q2 24 | $414.5M | $244.3M |
净利润CBSHFIBK
| Q1 26 | $141.6M | — | ||
| Q4 25 | $140.7M | $108.8M | ||
| Q3 25 | $141.5M | $71.4M | ||
| Q2 25 | $152.5M | $71.7M | ||
| Q1 25 | $131.6M | $50.2M | ||
| Q4 24 | $136.1M | $52.1M | ||
| Q3 24 | $138.0M | $55.5M | ||
| Q2 24 | $139.6M | $60.0M |
营业利润率CBSHFIBK
| Q1 26 | — | — | ||
| Q4 25 | 40.8% | 44.5% | ||
| Q3 25 | 41.9% | 37.0% | ||
| Q2 25 | 44.0% | 37.7% | ||
| Q1 25 | 39.2% | 26.9% | ||
| Q4 24 | 41.2% | 25.5% | ||
| Q3 24 | 42.4% | 28.9% | ||
| Q2 24 | 43.4% | 32.1% |
净利率CBSHFIBK
| Q1 26 | 29.8% | — | ||
| Q4 25 | 31.3% | 34.8% | ||
| Q3 25 | 32.1% | 28.5% | ||
| Q2 25 | 34.2% | 28.9% | ||
| Q1 25 | 30.7% | 20.3% | ||
| Q4 24 | 32.2% | 19.9% | ||
| Q3 24 | 32.8% | 22.0% | ||
| Q2 24 | 33.7% | 24.6% |
每股收益（稀释后）CBSHFIBK
| Q1 26 | $0.96 | — | ||
| Q4 25 | $0.86 | $1.07 | ||
| Q3 25 | $1.06 | $0.69 | ||
| Q2 25 | $1.14 | $0.69 | ||
| Q1 25 | $0.98 | $0.49 | ||
| Q4 24 | $0.83 | $0.50 | ||
| Q3 24 | $1.01 | $0.54 | ||
| Q2 24 | $1.03 | $0.58 |
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 | — | $146.3M |
| 股东权益账面价值 | $4.3B | $3.4B |
| 总资产 | $35.7B | $26.6B |
| 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CBSHFIBK
| Q1 26 | — | — | ||
| Q4 25 | — | $146.3M | ||
| Q3 25 | — | $146.2M | ||
| Q2 25 | — | $252.0M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $132.2M | ||
| Q3 24 | — | $137.3M | ||
| Q2 24 | — | $383.4M |
股东权益CBSHFIBK
| Q1 26 | $4.3B | — | ||
| Q4 25 | $3.8B | $3.4B | ||
| Q3 25 | $3.8B | $3.4B | ||
| Q2 25 | $3.6B | $3.4B | ||
| Q1 25 | $3.5B | $3.4B | ||
| Q4 24 | $3.3B | $3.3B | ||
| Q3 24 | $3.4B | $3.4B | ||
| Q2 24 | $3.1B | $3.2B |
总资产CBSHFIBK
| Q1 26 | $35.7B | — | ||
| Q4 25 | $32.9B | $26.6B | ||
| Q3 25 | $32.3B | $27.3B | ||
| Q2 25 | $32.3B | $27.6B | ||
| Q1 25 | $32.4B | $28.3B | ||
| Q4 24 | $32.0B | $29.1B | ||
| Q3 24 | $31.5B | $29.6B | ||
| Q2 24 | $30.6B | $30.3B |
负债/权益比CBSHFIBK
| Q1 26 | — | — | ||
| Q4 25 | — | 0.04× | ||
| Q3 25 | — | 0.04× | ||
| Q2 25 | — | 0.07× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.04× | ||
| Q3 24 | — | 0.04× | ||
| Q2 24 | — | 0.12× |
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 | — | $305.6M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | 2.81× |
| 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CBSHFIBK
| Q1 26 | — | — | ||
| Q4 25 | $645.1M | $305.6M | ||
| Q3 25 | $129.0M | $91.7M | ||
| Q2 25 | $111.2M | $68.1M | ||
| Q1 25 | $138.6M | $78.5M | ||
| Q4 24 | $577.9M | $355.0M | ||
| Q3 24 | $431.7M | $89.9M | ||
| Q2 24 | $147.4M | $82.3M |
自由现金流CBSHFIBK
| Q1 26 | — | — | ||
| Q4 25 | $592.4M | — | ||
| Q3 25 | $113.3M | — | ||
| Q2 25 | $100.5M | — | ||
| Q1 25 | $126.0M | — | ||
| Q4 24 | $531.7M | — | ||
| Q3 24 | $419.1M | — | ||
| Q2 24 | $138.9M | — |
自由现金流率CBSHFIBK
| Q1 26 | — | — | ||
| Q4 25 | 131.8% | — | ||
| Q3 25 | 25.7% | — | ||
| Q2 25 | 22.5% | — | ||
| Q1 25 | 29.4% | — | ||
| Q4 24 | 126.0% | — | ||
| Q3 24 | 99.5% | — | ||
| Q2 24 | 33.5% | — |
资本支出强度CBSHFIBK
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | — | ||
| Q3 25 | 3.6% | — | ||
| Q2 25 | 2.4% | — | ||
| Q1 25 | 2.9% | — | ||
| Q4 24 | 10.9% | — | ||
| Q3 24 | 3.0% | — | ||
| Q2 24 | 2.1% | — |
现金转化率CBSHFIBK
| Q1 26 | — | — | ||
| Q4 25 | 4.59× | 2.81× | ||
| Q3 25 | 0.91× | 1.28× | ||
| Q2 25 | 0.73× | 0.95× | ||
| Q1 25 | 1.05× | 1.56× | ||
| Q4 24 | 4.25× | 6.81× | ||
| Q3 24 | 3.13× | 1.62× | ||
| Q2 24 | 1.06× | 1.37× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
