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COMMERCE BANCSHARES INC（CBSH）与化石集团（FOSL）财务数据对比。点击上方公司名可切换其他公司
COMMERCE BANCSHARES INC的季度营收约是化石集团的1.8倍（$475.7M vs $270.2M），COMMERCE BANCSHARES INC净利率更高（29.8% vs -14.8%，领先44.6%），COMMERCE BANCSHARES INC同比增速更快（11.1% vs -21.1%），过去两年COMMERCE BANCSHARES INC的营收复合增速更高（7.1% vs -11.4%）
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。
化石集团是1984年成立的美国时尚设计制造企业，总部位于得克萨斯州理查森。集团旗下拥有Fossil、Relic、Michele Watch、Skagen、Zodiac Watches等多个品牌，同时也为宝马、彪马、阿玛尼、迈克高仕、DKNY等多个知名品牌代工生产授权配饰。
CBSH vs FOSL — 直观对比
营收规模更大
CBSH
是对方的1.8倍
$270.2M
营收增速更快
CBSH
高出32.2%
-21.1%
净利率更高
CBSH
高出44.6%
-14.8%
两年增速更快
CBSH
近两年复合增速
-11.4%
损益表 — Q1 FY2026 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $475.7M | $270.2M |
| 净利润 | $141.6M | $-40.0M |
| 毛利率 | — | 49.0% |
| 营业利润率 | — | -8.0% |
| 净利率 | 29.8% | -14.8% |
| 营收同比 | 11.1% | -21.1% |
| 净利润同比 | 10.5% | -257.8% |
| 每股收益（稀释后） | $0.96 | $-0.76 |
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CBSHFOSL
| Q1 26 | $475.7M | — | ||
| Q4 25 | $449.4M | $270.2M | ||
| Q3 25 | $441.0M | $220.4M | ||
| Q2 25 | $445.8M | $233.3M | ||
| Q1 25 | $428.1M | — | ||
| Q4 24 | $422.1M | $342.3M | ||
| Q3 24 | $421.4M | $287.8M | ||
| Q2 24 | $414.5M | $260.0M |
净利润CBSHFOSL
| Q1 26 | $141.6M | — | ||
| Q4 25 | $140.7M | $-40.0M | ||
| Q3 25 | $141.5M | $-2.1M | ||
| Q2 25 | $152.5M | $-17.9M | ||
| Q1 25 | $131.6M | — | ||
| Q4 24 | $136.1M | $-11.2M | ||
| Q3 24 | $138.0M | $-31.9M | ||
| Q2 24 | $139.6M | $-38.8M |
毛利率CBSHFOSL
| Q1 26 | — | — | ||
| Q4 25 | — | 49.0% | ||
| Q3 25 | — | 57.5% | ||
| Q2 25 | — | 61.3% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 53.9% | ||
| Q3 24 | — | 49.4% | ||
| Q2 24 | — | 52.6% |
营业利润率CBSHFOSL
| Q1 26 | — | — | ||
| Q4 25 | 40.8% | -8.0% | ||
| Q3 25 | 41.9% | 3.9% | ||
| Q2 25 | 44.0% | -2.9% | ||
| Q1 25 | 39.2% | — | ||
| Q4 24 | 41.2% | -4.8% | ||
| Q3 24 | 42.4% | -8.5% | ||
| Q2 24 | 43.4% | -13.1% |
净利率CBSHFOSL
| Q1 26 | 29.8% | — | ||
| Q4 25 | 31.3% | -14.8% | ||
| Q3 25 | 32.1% | -1.0% | ||
| Q2 25 | 34.2% | -7.7% | ||
| Q1 25 | 30.7% | — | ||
| Q4 24 | 32.2% | -3.3% | ||
| Q3 24 | 32.8% | -11.1% | ||
| Q2 24 | 33.7% | -14.9% |
每股收益（稀释后）CBSHFOSL
| Q1 26 | $0.96 | — | ||
| Q4 25 | $0.86 | $-0.76 | ||
| Q3 25 | $1.06 | $-0.04 | ||
| Q2 25 | $1.14 | $-0.33 | ||
| Q1 25 | $0.98 | — | ||
| Q4 24 | $0.83 | $-0.15 | ||
| Q3 24 | $1.01 | $-0.60 | ||
| Q2 24 | $1.03 | $-0.73 |
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 | — | $79.2M |
| 总债务越低越好 | — | $169.1M |
| 股东权益账面价值 | $4.3B | $112.6M |
| 总资产 | $35.7B | $701.0M |
| 负债/权益比越低杠杆越低 | — | 1.50× |
8季度趋势，按日历期对齐
现金及短期投资CBSHFOSL
| Q1 26 | — | — | ||
| Q4 25 | — | $79.2M | ||
| Q3 25 | — | $109.9M | ||
| Q2 25 | — | $78.3M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $123.6M | ||
| Q3 24 | — | $106.3M | ||
| Q2 24 | — | $104.9M |
总债务CBSHFOSL
| Q1 26 | — | — | ||
| Q4 25 | — | $169.1M | ||
| Q3 25 | — | $165.6M | ||
| Q2 25 | — | $167.2M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $162.7M | ||
| Q3 24 | — | $173.4M | ||
| Q2 24 | — | $156.5M |
股东权益CBSHFOSL
| Q1 26 | $4.3B | — | ||
| Q4 25 | $3.8B | $112.6M | ||
| Q3 25 | $3.8B | $150.3M | ||
| Q2 25 | $3.6B | $140.6M | ||
| Q1 25 | $3.5B | — | ||
| Q4 24 | $3.3B | $148.7M | ||
| Q3 24 | $3.4B | $164.4M | ||
| Q2 24 | $3.1B | $189.6M |
总资产CBSHFOSL
| Q1 26 | $35.7B | — | ||
| Q4 25 | $32.9B | $701.0M | ||
| Q3 25 | $32.3B | $704.5M | ||
| Q2 25 | $32.3B | $686.0M | ||
| Q1 25 | $32.4B | — | ||
| Q4 24 | $32.0B | $763.6M | ||
| Q3 24 | $31.5B | $812.4M | ||
| Q2 24 | $30.6B | $785.7M |
负债/权益比CBSHFOSL
| Q1 26 | — | — | ||
| Q4 25 | — | 1.50× | ||
| Q3 25 | — | 1.10× | ||
| Q2 25 | — | 1.19× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.09× | ||
| Q3 24 | — | 1.06× | ||
| Q2 24 | — | 0.83× |
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 | — | $-22.2M |
| 自由现金流经营现金流 - 资本支出 | — | $-22.5M |
| 自由现金流率自由现金流/营收 | — | -8.3% |
| 资本支出强度资本支出/营收 | — | 0.1% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $-46.0M |
8季度趋势，按日历期对齐
经营现金流CBSHFOSL
| Q1 26 | — | — | ||
| Q4 25 | $645.1M | $-22.2M | ||
| Q3 25 | $129.0M | $9.4M | ||
| Q2 25 | $111.2M | $-60.4M | ||
| Q1 25 | $138.6M | — | ||
| Q4 24 | $577.9M | $30.5M | ||
| Q3 24 | $431.7M | $-22.8M | ||
| Q2 24 | $147.4M | $38.4M |
自由现金流CBSHFOSL
| Q1 26 | — | — | ||
| Q4 25 | $592.4M | $-22.5M | ||
| Q3 25 | $113.3M | $8.6M | ||
| Q2 25 | $100.5M | $-60.6M | ||
| Q1 25 | $126.0M | — | ||
| Q4 24 | $531.7M | $28.5M | ||
| Q3 24 | $419.1M | $-24.1M | ||
| Q2 24 | $138.9M | $36.6M |
自由现金流率CBSHFOSL
| Q1 26 | — | — | ||
| Q4 25 | 131.8% | -8.3% | ||
| Q3 25 | 25.7% | 3.9% | ||
| Q2 25 | 22.5% | -26.0% | ||
| Q1 25 | 29.4% | — | ||
| Q4 24 | 126.0% | 8.3% | ||
| Q3 24 | 99.5% | -8.4% | ||
| Q2 24 | 33.5% | 14.1% |
资本支出强度CBSHFOSL
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | 0.1% | ||
| Q3 25 | 3.6% | 0.4% | ||
| Q2 25 | 2.4% | 0.1% | ||
| Q1 25 | 2.9% | — | ||
| Q4 24 | 10.9% | 0.6% | ||
| Q3 24 | 3.0% | 0.4% | ||
| Q2 24 | 2.1% | 0.7% |
现金转化率CBSHFOSL
| Q1 26 | — | — | ||
| Q4 25 | 4.59× | — | ||
| Q3 25 | 0.91× | — | ||
| Q2 25 | 0.73× | — | ||
| Q1 25 | 1.05× | — | ||
| Q4 24 | 4.25× | — | ||
| Q3 24 | 3.13× | — | ||
| Q2 24 | 1.06× | — |
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
FOSL
| Transferred At Point In Time | $109.7M | 41% |
| Traditional Watches | $91.3M | 34% |
| Other | $50.8M | 19% |
| Leathers | $9.5M | 4% |
| Jewelry | $4.0M | 1% |
| Smartwatches | $3.3M | 1% |
| Products Other | $1.6M | 1% |
