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COMMERCE BANCSHARES INC（CBSH）与Fair Isaac（FICO）财务数据对比。点击上方公司名可切换其他公司
Fair Isaac的季度营收约是COMMERCE BANCSHARES INC的1.1倍（$512.0M vs $475.7M），Fair Isaac净利率更高（30.9% vs 29.8%，领先1.2%），Fair Isaac同比增速更快（16.4% vs 11.1%），过去两年Fair Isaac的营收复合增速更高（8.6% 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。
FICO（原Fair, Isaac and Company）是美国知名数据分析企业，1956年由比尔·费尔与厄尔·艾萨克创立，总部位于蒙大拿州博兹曼市，核心业务为信用评分服务，其推出的FICO信用分是评估消费者信贷风险的重要指标，目前已被美国消费信贷行业广泛采用。
CBSH vs FICO — 直观对比
营收规模更大
FICO
是对方的1.1倍
$475.7M
营收增速更快
FICO
高出5.2%
11.1%
净利率更高
FICO
高出1.2%
29.8%
两年增速更快
FICO
近两年复合增速
7.1%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $475.7M | $512.0M |
| 净利润 | $141.6M | $158.4M |
| 毛利率 | — | 83.0% |
| 营业利润率 | — | 45.7% |
| 净利率 | 29.8% | 30.9% |
| 营收同比 | 11.1% | 16.4% |
| 净利润同比 | 10.5% | 3.8% |
| 每股收益（稀释后） | $0.96 | $6.61 |
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CBSHFICO
| Q1 26 | $475.7M | — | ||
| Q4 25 | $449.4M | $512.0M | ||
| Q3 25 | $441.0M | $515.8M | ||
| Q2 25 | $445.8M | $536.4M | ||
| Q1 25 | $428.1M | $498.7M | ||
| Q4 24 | $422.1M | $440.0M | ||
| Q3 24 | $421.4M | $453.8M | ||
| Q2 24 | $414.5M | $447.8M |
净利润CBSHFICO
| Q1 26 | $141.6M | — | ||
| Q4 25 | $140.7M | $158.4M | ||
| Q3 25 | $141.5M | $155.0M | ||
| Q2 25 | $152.5M | $181.8M | ||
| Q1 25 | $131.6M | $162.6M | ||
| Q4 24 | $136.1M | $152.5M | ||
| Q3 24 | $138.0M | $135.7M | ||
| Q2 24 | $139.6M | $126.3M |
毛利率CBSHFICO
| Q1 26 | — | — | ||
| Q4 25 | — | 83.0% | ||
| Q3 25 | — | 82.3% | ||
| Q2 25 | — | 83.7% | ||
| Q1 25 | — | 82.4% | ||
| Q4 24 | — | 80.1% | ||
| Q3 24 | — | 80.3% | ||
| Q2 24 | — | 80.3% |
营业利润率CBSHFICO
| Q1 26 | — | — | ||
| Q4 25 | 40.8% | 45.7% | ||
| Q3 25 | 41.9% | 46.0% | ||
| Q2 25 | 44.0% | 48.9% | ||
| Q1 25 | 39.2% | 49.3% | ||
| Q4 24 | 41.2% | 40.8% | ||
| Q3 24 | 42.4% | 43.4% | ||
| Q2 24 | 43.4% | 42.5% |
净利率CBSHFICO
| Q1 26 | 29.8% | — | ||
| Q4 25 | 31.3% | 30.9% | ||
| Q3 25 | 32.1% | 30.1% | ||
| Q2 25 | 34.2% | 33.9% | ||
| Q1 25 | 30.7% | 32.6% | ||
| Q4 24 | 32.2% | 34.7% | ||
| Q3 24 | 32.8% | 29.9% | ||
| Q2 24 | 33.7% | 28.2% |
每股收益（稀释后）CBSHFICO
| Q1 26 | $0.96 | — | ||
| Q4 25 | $0.86 | $6.61 | ||
| Q3 25 | $1.06 | $6.41 | ||
| Q2 25 | $1.14 | $7.40 | ||
| Q1 25 | $0.98 | $6.59 | ||
| Q4 24 | $0.83 | $6.14 | ||
| Q3 24 | $1.01 | $5.44 | ||
| Q2 24 | $1.03 | $5.05 |
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 | — | $162.0M |
| 总债务越低越好 | — | $3.2B |
| 股东权益账面价值 | $4.3B | $-1.8B |
| 总资产 | $35.7B | $1.9B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资CBSHFICO
| Q1 26 | — | — | ||
| Q4 25 | — | $162.0M | ||
| Q3 25 | — | $134.1M | ||
| Q2 25 | — | $189.0M | ||
| Q1 25 | — | $146.6M | ||
| Q4 24 | — | $184.3M | ||
| Q3 24 | — | $150.7M | ||
| Q2 24 | — | $156.0M |
总债务CBSHFICO
| Q1 26 | — | — | ||
| Q4 25 | — | $3.2B | ||
| Q3 25 | — | $3.1B | ||
| Q2 25 | — | $2.8B | ||
| Q1 25 | — | $2.5B | ||
| Q4 24 | — | $2.4B | ||
| Q3 24 | — | $2.2B | ||
| Q2 24 | — | $2.1B |
股东权益CBSHFICO
| Q1 26 | $4.3B | — | ||
| Q4 25 | $3.8B | $-1.8B | ||
| Q3 25 | $3.8B | $-1.7B | ||
| Q2 25 | $3.6B | $-1.4B | ||
| Q1 25 | $3.5B | $-1.1B | ||
| Q4 24 | $3.3B | $-1.1B | ||
| Q3 24 | $3.4B | $-962.7M | ||
| Q2 24 | $3.1B | $-829.3M |
总资产CBSHFICO
| Q1 26 | $35.7B | — | ||
| Q4 25 | $32.9B | $1.9B | ||
| Q3 25 | $32.3B | $1.9B | ||
| Q2 25 | $32.3B | $1.9B | ||
| Q1 25 | $32.4B | $1.8B | ||
| Q4 24 | $32.0B | $1.7B | ||
| Q3 24 | $31.5B | $1.7B | ||
| Q2 24 | $30.6B | $1.7B |
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 | — | $174.1M |
| 自由现金流经营现金流 - 资本支出 | — | $173.9M |
| 自由现金流率自由现金流/营收 | — | 34.0% |
| 资本支出强度资本支出/营收 | — | 0.0% |
| 现金转化率经营现金流/净利润 | — | 1.10× |
| 过去12个月自由现金流最近4个季度 | — | $750.6M |
8季度趋势，按日历期对齐
经营现金流CBSHFICO
| Q1 26 | — | — | ||
| Q4 25 | $645.1M | $174.1M | ||
| Q3 25 | $129.0M | $223.7M | ||
| Q2 25 | $111.2M | $286.2M | ||
| Q1 25 | $138.6M | $74.9M | ||
| Q4 24 | $577.9M | $194.0M | ||
| Q3 24 | $431.7M | $226.5M | ||
| Q2 24 | $147.4M | $213.3M |
自由现金流CBSHFICO
| Q1 26 | — | — | ||
| Q4 25 | $592.4M | $173.9M | ||
| Q3 25 | $113.3M | $219.5M | ||
| Q2 25 | $100.5M | $284.4M | ||
| Q1 25 | $126.0M | $72.8M | ||
| Q4 24 | $531.7M | $193.2M | ||
| Q3 24 | $419.1M | $224.7M | ||
| Q2 24 | $138.9M | $211.6M |
自由现金流率CBSHFICO
| Q1 26 | — | — | ||
| Q4 25 | 131.8% | 34.0% | ||
| Q3 25 | 25.7% | 42.6% | ||
| Q2 25 | 22.5% | 53.0% | ||
| Q1 25 | 29.4% | 14.6% | ||
| Q4 24 | 126.0% | 43.9% | ||
| Q3 24 | 99.5% | 49.5% | ||
| Q2 24 | 33.5% | 47.2% |
资本支出强度CBSHFICO
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | 0.0% | ||
| Q3 25 | 3.6% | 0.8% | ||
| Q2 25 | 2.4% | 0.3% | ||
| Q1 25 | 2.9% | 0.4% | ||
| Q4 24 | 10.9% | 0.2% | ||
| Q3 24 | 3.0% | 0.4% | ||
| Q2 24 | 2.1% | 0.4% |
现金转化率CBSHFICO
| Q1 26 | — | — | ||
| Q4 25 | 4.59× | 1.10× | ||
| Q3 25 | 0.91× | 1.44× | ||
| Q2 25 | 0.73× | 1.57× | ||
| Q1 25 | 1.05× | 0.46× | ||
| Q4 24 | 4.25× | 1.27× | ||
| Q3 24 | 3.13× | 1.67× | ||
| Q2 24 | 1.06× | 1.69× |
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
CBSH
暂无分部数据
FICO
| Business To Business Scores | $248.6M | 49% |
| Saa S Products | $115.7M | 23% |
| Platform Software | $73.9M | 14% |
| Business To Consumer Scores | $55.9M | 11% |
| Technology Service | $19.2M | 4% |
