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COMMERCE BANCSHARES INC（CBSH）与MONRO, INC.（MNRO）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MONRO, INC.的1.6倍（$475.7M vs $293.4M），COMMERCE BANCSHARES INC净利率更高（29.8% vs 3.8%，领先26.0%），COMMERCE BANCSHARES INC同比增速更快（11.1% vs -4.0%），过去两年COMMERCE BANCSHARES INC的营收复合增速更高（7.1% vs -2.7%）
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。
蒙罗公司（Monro, Inc.）是一家汽车服务企业，创始并总部设在美国纽约州罗切斯特。截至2025年，蒙罗共拥有1260家门店，按门店数量与营收计算，是北美仅次于Driven Brands的第二大汽车服务企业。
CBSH vs MNRO — 直观对比
营收规模更大
CBSH
是对方的1.6倍
$293.4M
营收增速更快
CBSH
高出15.2%
-4.0%
净利率更高
CBSH
高出26.0%
3.8%
两年增速更快
CBSH
近两年复合增速
-2.7%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $475.7M | $293.4M |
| 净利润 | $141.6M | $11.1M |
| 毛利率 | — | 34.9% |
| 营业利润率 | — | 6.3% |
| 净利率 | 29.8% | 3.8% |
| 营收同比 | 11.1% | -4.0% |
| 净利润同比 | 0.7% | 143.1% |
| 每股收益（稀释后） | $0.96 | $0.35 |
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CBSHMNRO
| Q1 26 | $475.7M | — | ||
| Q4 25 | $449.4M | $293.4M | ||
| Q3 25 | $441.0M | $288.9M | ||
| Q2 25 | $445.8M | $301.0M | ||
| Q1 25 | $428.1M | $295.0M | ||
| Q4 24 | $422.1M | $305.8M | ||
| Q3 24 | $421.4M | $301.4M | ||
| Q2 24 | $414.5M | $293.2M |
净利润CBSHMNRO
| Q1 26 | $141.6M | — | ||
| Q4 25 | $140.7M | $11.1M | ||
| Q3 25 | $141.5M | $5.7M | ||
| Q2 25 | $152.5M | $-8.1M | ||
| Q1 25 | $131.6M | $-21.3M | ||
| Q4 24 | $136.1M | $4.6M | ||
| Q3 24 | $138.0M | $5.6M | ||
| Q2 24 | $139.6M | $5.9M |
毛利率CBSHMNRO
| Q1 26 | — | — | ||
| Q4 25 | — | 34.9% | ||
| Q3 25 | — | 35.7% | ||
| Q2 25 | — | 35.5% | ||
| Q1 25 | — | 33.0% | ||
| Q4 24 | — | 34.3% | ||
| Q3 24 | — | 35.3% | ||
| Q2 24 | — | 37.2% |
营业利润率CBSHMNRO
| Q1 26 | — | — | ||
| Q4 25 | 40.8% | 6.3% | ||
| Q3 25 | 41.9% | 4.4% | ||
| Q2 25 | 44.0% | -2.0% | ||
| Q1 25 | 39.2% | -8.1% | ||
| Q4 24 | 41.2% | 3.3% | ||
| Q3 24 | 42.4% | 4.4% | ||
| Q2 24 | 43.4% | 4.5% |
净利率CBSHMNRO
| Q1 26 | 29.8% | — | ||
| Q4 25 | 31.3% | 3.8% | ||
| Q3 25 | 32.1% | 2.0% | ||
| Q2 25 | 34.2% | -2.7% | ||
| Q1 25 | 30.7% | -7.2% | ||
| Q4 24 | 32.2% | 1.5% | ||
| Q3 24 | 32.8% | 1.9% | ||
| Q2 24 | 33.7% | 2.0% |
每股收益（稀释后）CBSHMNRO
| Q1 26 | $0.96 | — | ||
| Q4 25 | $0.86 | $0.35 | ||
| Q3 25 | $1.06 | $0.18 | ||
| Q2 25 | $1.14 | $-0.28 | ||
| Q1 25 | $0.98 | $-0.74 | ||
| Q4 24 | $0.83 | $0.15 | ||
| Q3 24 | $1.01 | $0.18 | ||
| Q2 24 | $1.03 | $0.19 |
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 | — | $4.9M |
| 总债务越低越好 | — | $45.0M |
| 股东权益账面价值 | $4.3B | $604.9M |
| 总资产 | $35.7B | $1.6B |
| 负债/权益比越低杠杆越低 | — | 0.07× |
8季度趋势，按日历期对齐
现金及短期投资CBSHMNRO
| Q1 26 | — | — | ||
| Q4 25 | — | $4.9M | ||
| Q3 25 | — | $10.5M | ||
| Q2 25 | — | $7.8M | ||
| Q1 25 | — | $20.8M | ||
| Q4 24 | — | $10.2M | ||
| Q3 24 | — | $20.9M | ||
| Q2 24 | — | $18.7M |
总债务CBSHMNRO
| Q1 26 | — | — | ||
| Q4 25 | — | $45.0M | ||
| Q3 25 | — | $60.0M | ||
| Q2 25 | — | $71.5M | ||
| Q1 25 | — | $61.3M | ||
| Q4 24 | — | $59.3M | ||
| Q3 24 | — | $62.0M | ||
| Q2 24 | — | $112.0M |
股东权益CBSHMNRO
| Q1 26 | $4.3B | — | ||
| Q4 25 | $3.8B | $604.9M | ||
| Q3 25 | $3.8B | $601.7M | ||
| Q2 25 | $3.6B | $604.9M | ||
| Q1 25 | $3.5B | $620.8M | ||
| Q4 24 | $3.3B | $648.9M | ||
| Q3 24 | $3.4B | $651.9M | ||
| Q2 24 | $3.1B | $654.4M |
总资产CBSHMNRO
| Q1 26 | $35.7B | — | ||
| Q4 25 | $32.9B | $1.6B | ||
| Q3 25 | $32.3B | $1.6B | ||
| Q2 25 | $32.3B | $1.6B | ||
| Q1 25 | $32.4B | $1.6B | ||
| Q4 24 | $32.0B | $1.7B | ||
| Q3 24 | $31.5B | $1.7B | ||
| Q2 24 | $30.6B | $1.7B |
负债/权益比CBSHMNRO
| Q1 26 | — | — | ||
| Q4 25 | — | 0.07× | ||
| Q3 25 | — | 0.10× | ||
| Q2 25 | — | 0.12× | ||
| Q1 25 | — | 0.10× | ||
| Q4 24 | — | 0.09× | ||
| Q3 24 | — | 0.10× | ||
| Q2 24 | — | 0.17× |
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 | — | $17.8M |
| 自由现金流经营现金流 - 资本支出 | — | $9.1M |
| 自由现金流率自由现金流/营收 | — | 3.1% |
| 资本支出强度资本支出/营收 | — | 3.0% |
| 现金转化率经营现金流/净利润 | — | 1.60× |
| 过去12个月自由现金流最近4个季度 | — | $49.6M |
8季度趋势，按日历期对齐
经营现金流CBSHMNRO
| Q1 26 | — | — | ||
| Q4 25 | $645.1M | $17.8M | ||
| Q3 25 | $129.0M | $32.3M | ||
| Q2 25 | $111.2M | $-1.9M | ||
| Q1 25 | $138.6M | $28.9M | ||
| Q4 24 | $577.9M | $14.8M | ||
| Q3 24 | $431.7M | $62.6M | ||
| Q2 24 | $147.4M | $25.6M |
自由现金流CBSHMNRO
| Q1 26 | — | — | ||
| Q4 25 | $592.4M | $9.1M | ||
| Q3 25 | $113.3M | $26.6M | ||
| Q2 25 | $100.5M | $-9.3M | ||
| Q1 25 | $126.0M | $23.2M | ||
| Q4 24 | $531.7M | $7.9M | ||
| Q3 24 | $419.1M | $57.6M | ||
| Q2 24 | $138.9M | $16.8M |
自由现金流率CBSHMNRO
| Q1 26 | — | — | ||
| Q4 25 | 131.8% | 3.1% | ||
| Q3 25 | 25.7% | 9.2% | ||
| Q2 25 | 22.5% | -3.1% | ||
| Q1 25 | 29.4% | 7.9% | ||
| Q4 24 | 126.0% | 2.6% | ||
| Q3 24 | 99.5% | 19.1% | ||
| Q2 24 | 33.5% | 5.7% |
资本支出强度CBSHMNRO
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | 3.0% | ||
| Q3 25 | 3.6% | 2.0% | ||
| Q2 25 | 2.4% | 2.5% | ||
| Q1 25 | 2.9% | 1.9% | ||
| Q4 24 | 10.9% | 2.2% | ||
| Q3 24 | 3.0% | 1.6% | ||
| Q2 24 | 2.1% | 3.0% |
现金转化率CBSHMNRO
| Q1 26 | — | — | ||
| Q4 25 | 4.59× | 1.60× | ||
| Q3 25 | 0.91× | 5.71× | ||
| Q2 25 | 0.73× | — | ||
| Q1 25 | 1.05× | — | ||
| Q4 24 | 4.25× | 3.23× | ||
| Q3 24 | 3.13× | 11.08× | ||
| Q2 24 | 1.06× | 4.37× |
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
MNRO
| Tires | $150.2M | 51% |
| Maintenance | $73.5M | 25% |
| Brakes | $35.1M | 12% |
| Steering | $24.9M | 8% |
| Batteries | $6.2M | 2% |
| Exhaust | $3.2M | 1% |
