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COMMERCE BANCSHARES INC（CBSH）与IDACORP INC（IDA）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IDACORP INC的1.3倍（$475.7M vs $360.1M），COMMERCE BANCSHARES INC净利率更高（29.8% vs 12.1%，领先17.7%），COMMERCE BANCSHARES INC同比增速更快（11.1% vs -4.2%），过去两年COMMERCE BANCSHARES INC的营收复合增速更高（7.1% vs -7.2%）
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。
IDACORP Inc是注册于美国爱达荷州、总部设在博伊西的电力控股企业，成立于1998年10月1日，旗下拥有爱达荷电力公司、IDACORP金融公司及Ida-West能源公司，业务覆盖电力供应、能源服务及相关配套金融服务领域。
CBSH vs IDA — 直观对比
营收规模更大
CBSH
是对方的1.3倍
$360.1M
营收增速更快
CBSH
高出15.3%
-4.2%
净利率更高
CBSH
高出17.7%
12.1%
两年增速更快
CBSH
近两年复合增速
-7.2%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $475.7M | $360.1M |
| 净利润 | $141.6M | $43.6M |
| 毛利率 | — | — |
| 营业利润率 | — | 14.9% |
| 净利率 | 29.8% | 12.1% |
| 营收同比 | 11.1% | -4.2% |
| 净利润同比 | 0.7% | 15.1% |
| 每股收益（稀释后） | $0.96 | $0.78 |
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CBSHIDA
| Q1 26 | $475.7M | — | ||
| Q4 25 | $449.4M | $360.1M | ||
| Q3 25 | $441.0M | $526.4M | ||
| Q2 25 | $445.8M | $449.3M | ||
| Q1 25 | $428.1M | $411.1M | ||
| Q4 24 | $422.1M | $375.9M | ||
| Q3 24 | $421.4M | $532.5M | ||
| Q2 24 | $414.5M | $442.6M |
净利润CBSHIDA
| Q1 26 | $141.6M | — | ||
| Q4 25 | $140.7M | $43.6M | ||
| Q3 25 | $141.5M | $124.4M | ||
| Q2 25 | $152.5M | $95.8M | ||
| Q1 25 | $131.6M | $59.6M | ||
| Q4 24 | $136.1M | $37.9M | ||
| Q3 24 | $138.0M | $113.6M | ||
| Q2 24 | $139.6M | $89.5M |
营业利润率CBSHIDA
| Q1 26 | — | — | ||
| Q4 25 | 40.8% | 14.9% | ||
| Q3 25 | 41.9% | 27.5% | ||
| Q2 25 | 44.0% | 22.4% | ||
| Q1 25 | 39.2% | 13.4% | ||
| Q4 24 | 41.2% | 11.0% | ||
| Q3 24 | 42.4% | 25.1% | ||
| Q2 24 | 43.4% | 23.3% |
净利率CBSHIDA
| Q1 26 | 29.8% | — | ||
| Q4 25 | 31.3% | 12.1% | ||
| Q3 25 | 32.1% | 23.6% | ||
| Q2 25 | 34.2% | 21.3% | ||
| Q1 25 | 30.7% | 14.5% | ||
| Q4 24 | 32.2% | 10.1% | ||
| Q3 24 | 32.8% | 21.3% | ||
| Q2 24 | 33.7% | 20.2% |
每股收益（稀释后）CBSHIDA
| Q1 26 | $0.96 | — | ||
| Q4 25 | $0.86 | $0.78 | ||
| Q3 25 | $1.06 | $2.26 | ||
| Q2 25 | $1.14 | $1.76 | ||
| Q1 25 | $0.98 | $1.10 | ||
| Q4 24 | $0.83 | $0.72 | ||
| Q3 24 | $1.01 | $2.12 | ||
| Q2 24 | $1.03 | $1.71 |
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 | — | $215.7M |
| 总债务越低越好 | — | $3.3B |
| 股东权益账面价值 | $4.3B | $3.6B |
| 总资产 | $35.7B | $10.2B |
| 负债/权益比越低杠杆越低 | — | 0.93× |
8季度趋势，按日历期对齐
现金及短期投资CBSHIDA
| Q1 26 | — | — | ||
| Q4 25 | — | $215.7M | ||
| Q3 25 | — | $333.2M | ||
| Q2 25 | — | $474.5M | ||
| Q1 25 | — | $634.5M | ||
| Q4 24 | — | $368.9M | ||
| Q3 24 | — | $427.9M | ||
| Q2 24 | — | $169.6M |
总债务CBSHIDA
| Q1 26 | — | — | ||
| Q4 25 | — | $3.3B | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $3.1B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益CBSHIDA
| Q1 26 | $4.3B | — | ||
| Q4 25 | $3.8B | $3.6B | ||
| Q3 25 | $3.8B | $3.5B | ||
| Q2 25 | $3.6B | $3.4B | ||
| Q1 25 | $3.5B | $3.3B | ||
| Q4 24 | $3.3B | $3.3B | ||
| Q3 24 | $3.4B | $3.3B | ||
| Q2 24 | $3.1B | $3.2B |
总资产CBSHIDA
| Q1 26 | $35.7B | — | ||
| Q4 25 | $32.9B | $10.2B | ||
| Q3 25 | $32.3B | $10.1B | ||
| Q2 25 | $32.3B | $9.9B | ||
| Q1 25 | $32.4B | $9.6B | ||
| Q4 24 | $32.0B | $9.2B | ||
| Q3 24 | $31.5B | $9.1B | ||
| Q2 24 | $30.6B | $8.7B |
负债/权益比CBSHIDA
| Q1 26 | — | — | ||
| Q4 25 | — | 0.93× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.92× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | — | $137.8M |
| 自由现金流经营现金流 - 资本支出 | — | $-216.2M |
| 自由现金流率自由现金流/营收 | — | -60.0% |
| 资本支出强度资本支出/营收 | — | 98.3% |
| 现金转化率经营现金流/净利润 | — | 3.16× |
| 过去12个月自由现金流最近4个季度 | — | $-577.5M |
8季度趋势，按日历期对齐
经营现金流CBSHIDA
| Q1 26 | — | — | ||
| Q4 25 | $645.1M | $137.8M | ||
| Q3 25 | $129.0M | $162.8M | ||
| Q2 25 | $111.2M | $176.9M | ||
| Q1 25 | $138.6M | $124.3M | ||
| Q4 24 | $577.9M | $136.4M | ||
| Q3 24 | $431.7M | $201.9M | ||
| Q2 24 | $147.4M | $146.4M |
自由现金流CBSHIDA
| Q1 26 | — | — | ||
| Q4 25 | $592.4M | $-216.2M | ||
| Q3 25 | $113.3M | $-127.9M | ||
| Q2 25 | $100.5M | $-156.4M | ||
| Q1 25 | $126.0M | $-77.0M | ||
| Q4 24 | $531.7M | $-48.9M | ||
| Q3 24 | $419.1M | $-16.1M | ||
| Q2 24 | $138.9M | $-199.6M |
自由现金流率CBSHIDA
| Q1 26 | — | — | ||
| Q4 25 | 131.8% | -60.0% | ||
| Q3 25 | 25.7% | -24.3% | ||
| Q2 25 | 22.5% | -34.8% | ||
| Q1 25 | 29.4% | -18.7% | ||
| Q4 24 | 126.0% | -13.0% | ||
| Q3 24 | 99.5% | -3.0% | ||
| Q2 24 | 33.5% | -45.1% |
资本支出强度CBSHIDA
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | 98.3% | ||
| Q3 25 | 3.6% | 55.2% | ||
| Q2 25 | 2.4% | 74.2% | ||
| Q1 25 | 2.9% | 49.0% | ||
| Q4 24 | 10.9% | 49.3% | ||
| Q3 24 | 3.0% | 41.0% | ||
| Q2 24 | 2.1% | 78.2% |
现金转化率CBSHIDA
| Q1 26 | — | — | ||
| Q4 25 | 4.59× | 3.16× | ||
| Q3 25 | 0.91× | 1.31× | ||
| Q2 25 | 0.73× | 1.85× | ||
| Q1 25 | 1.05× | 2.08× | ||
| Q4 24 | 4.25× | 3.60× | ||
| Q3 24 | 3.13× | 1.78× | ||
| Q2 24 | 1.06× | 1.63× |
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
IDA
| Retailrevenues | $323.0M | 90% |
| Transmissionserviceswheeling | $18.6M | 5% |
| Energyefficiencyprogramrevenues | $11.7M | 3% |
| Wholesaleenergysales | $10.5M | 3% |
| Otherrevenues | $9.5M | 3% |
