vs
COMMERCE BANCSHARES INC（CBSH）与ONESPAWORLD HOLDINGS Ltd（OSW）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ONESPAWORLD HOLDINGS Ltd的2.0倍（$475.7M vs $242.1M），COMMERCE BANCSHARES INC净利率更高（29.8% vs 5.0%，领先24.8%），ONESPAWORLD HOLDINGS Ltd同比增速更快（11.5% vs 11.1%），过去两年COMMERCE BANCSHARES INC的营收复合增速更高（7.1% 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。
CBSH vs OSW — 直观对比
营收规模更大
CBSH
是对方的2.0倍
$242.1M
营收增速更快
OSW
高出0.3%
11.1%
净利率更高
CBSH
高出24.8%
5.0%
两年增速更快
CBSH
近两年复合增速
7.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $475.7M | $242.1M |
| 净利润 | $141.6M | $12.1M |
| 毛利率 | — | — |
| 营业利润率 | — | 6.8% |
| 净利率 | 29.8% | 5.0% |
| 营收同比 | 11.1% | 11.5% |
| 净利润同比 | 10.5% | -16.2% |
| 每股收益（稀释后） | $0.96 | $0.12 |
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CBSHOSW
| Q1 26 | $475.7M | — | ||
| Q4 25 | $449.4M | $242.1M | ||
| Q3 25 | $441.0M | $258.5M | ||
| Q2 25 | $445.8M | $240.7M | ||
| Q1 25 | $428.1M | $219.6M | ||
| Q4 24 | $422.1M | $217.2M | ||
| Q3 24 | $421.4M | $241.7M | ||
| Q2 24 | $414.5M | $224.9M |
净利润CBSHOSW
| Q1 26 | $141.6M | — | ||
| Q4 25 | $140.7M | $12.1M | ||
| Q3 25 | $141.5M | $24.3M | ||
| Q2 25 | $152.5M | $19.9M | ||
| Q1 25 | $131.6M | $15.3M | ||
| Q4 24 | $136.1M | $14.4M | ||
| Q3 24 | $138.0M | $21.6M | ||
| Q2 24 | $139.6M | $15.8M |
营业利润率CBSHOSW
| Q1 26 | — | — | ||
| Q4 25 | 40.8% | 6.8% | ||
| Q3 25 | 41.9% | 10.2% | ||
| Q2 25 | 44.0% | 9.2% | ||
| Q1 25 | 39.2% | 7.7% | ||
| Q4 24 | 41.2% | 7.9% | ||
| Q3 24 | 42.4% | 10.3% | ||
| Q2 24 | 43.4% | 8.4% |
净利率CBSHOSW
| Q1 26 | 29.8% | — | ||
| Q4 25 | 31.3% | 5.0% | ||
| Q3 25 | 32.1% | 9.4% | ||
| Q2 25 | 34.2% | 8.3% | ||
| Q1 25 | 30.7% | 7.0% | ||
| Q4 24 | 32.2% | 6.6% | ||
| Q3 24 | 32.8% | 8.9% | ||
| Q2 24 | 33.7% | 7.0% |
每股收益（稀释后）CBSHOSW
| Q1 26 | $0.96 | — | ||
| Q4 25 | $0.86 | $0.12 | ||
| Q3 25 | $1.06 | $0.23 | ||
| Q2 25 | $1.14 | $0.19 | ||
| Q1 25 | $0.98 | $0.15 | ||
| Q4 24 | $0.83 | $0.13 | ||
| Q3 24 | $1.01 | $0.20 | ||
| Q2 24 | $1.03 | $0.15 |
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 | — | $16.3M |
| 总债务越低越好 | — | $84.0M |
| 股东权益账面价值 | $4.3B | $542.6M |
| 总资产 | $35.7B | $707.1M |
| 负债/权益比越低杠杆越低 | — | 0.15× |
8季度趋势，按日历期对齐
现金及短期投资CBSHOSW
| Q1 26 | — | — | ||
| Q4 25 | — | $16.3M | ||
| Q3 25 | — | $29.6M | ||
| Q2 25 | — | $35.0M | ||
| Q1 25 | — | $22.6M | ||
| Q4 24 | — | $57.4M | ||
| Q3 24 | — | $48.8M | ||
| Q2 24 | — | $62.5M |
总债务CBSHOSW
| Q1 26 | — | — | ||
| Q4 25 | — | $84.0M | ||
| Q3 25 | — | $85.2M | ||
| Q2 25 | — | $96.2M | ||
| Q1 25 | — | $97.4M | ||
| Q4 24 | — | $98.6M | ||
| Q3 24 | — | $98.7M | ||
| Q2 24 | — | $123.8M |
股东权益CBSHOSW
| Q1 26 | $4.3B | — | ||
| Q4 25 | $3.8B | $542.6M | ||
| Q3 25 | $3.8B | $552.8M | ||
| Q2 25 | $3.6B | $548.3M | ||
| Q1 25 | $3.5B | $530.6M | ||
| Q4 24 | $3.3B | $554.5M | ||
| Q3 24 | $3.4B | $540.1M | ||
| Q2 24 | $3.1B | $532.7M |
总资产CBSHOSW
| Q1 26 | $35.7B | — | ||
| Q4 25 | $32.9B | $707.1M | ||
| Q3 25 | $32.3B | $732.6M | ||
| Q2 25 | $32.3B | $731.8M | ||
| Q1 25 | $32.4B | $708.7M | ||
| Q4 24 | $32.0B | $746.4M | ||
| Q3 24 | $31.5B | $734.0M | ||
| Q2 24 | $30.6B | $756.8M |
负债/权益比CBSHOSW
| Q1 26 | — | — | ||
| Q4 25 | — | 0.15× | ||
| Q3 25 | — | 0.15× | ||
| Q2 25 | — | 0.18× | ||
| Q1 25 | — | 0.18× | ||
| Q4 24 | — | 0.18× | ||
| Q3 24 | — | 0.18× | ||
| Q2 24 | — | 0.23× |
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 | — | $20.0M |
| 自由现金流经营现金流 - 资本支出 | — | $14.9M |
| 自由现金流率自由现金流/营收 | — | 6.2% |
| 资本支出强度资本支出/营收 | — | 2.1% |
| 现金转化率经营现金流/净利润 | — | 1.65× |
| 过去12个月自由现金流最近4个季度 | — | $68.4M |
8季度趋势，按日历期对齐
经营现金流CBSHOSW
| Q1 26 | — | — | ||
| Q4 25 | $645.1M | $20.0M | ||
| Q3 25 | $129.0M | $33.2M | ||
| Q2 25 | $111.2M | $20.3M | ||
| Q1 25 | $138.6M | $10.1M | ||
| Q4 24 | $577.9M | $16.6M | ||
| Q3 24 | $431.7M | $28.6M | ||
| Q2 24 | $147.4M | $18.7M |
自由现金流CBSHOSW
| Q1 26 | — | — | ||
| Q4 25 | $592.4M | $14.9M | ||
| Q3 25 | $113.3M | $27.6M | ||
| Q2 25 | $100.5M | $17.6M | ||
| Q1 25 | $126.0M | $8.4M | ||
| Q4 24 | $531.7M | $13.2M | ||
| Q3 24 | $419.1M | $27.5M | ||
| Q2 24 | $138.9M | $17.6M |
自由现金流率CBSHOSW
| Q1 26 | — | — | ||
| Q4 25 | 131.8% | 6.2% | ||
| Q3 25 | 25.7% | 10.7% | ||
| Q2 25 | 22.5% | 7.3% | ||
| Q1 25 | 29.4% | 3.8% | ||
| Q4 24 | 126.0% | 6.1% | ||
| Q3 24 | 99.5% | 11.4% | ||
| Q2 24 | 33.5% | 7.8% |
资本支出强度CBSHOSW
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | 2.1% | ||
| Q3 25 | 3.6% | 2.2% | ||
| Q2 25 | 2.4% | 1.1% | ||
| Q1 25 | 2.9% | 0.8% | ||
| Q4 24 | 10.9% | 1.5% | ||
| Q3 24 | 3.0% | 0.5% | ||
| Q2 24 | 2.1% | 0.5% |
现金转化率CBSHOSW
| Q1 26 | — | — | ||
| Q4 25 | 4.59× | 1.65× | ||
| Q3 25 | 0.91× | 1.36× | ||
| Q2 25 | 0.73× | 1.02× | ||
| Q1 25 | 1.05× | 0.66× | ||
| Q4 24 | 4.25× | 1.15× | ||
| Q3 24 | 3.13× | 1.33× | ||
| Q2 24 | 1.06× | 1.19× |
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
OSW
| Services | $197.3M | 82% |
| Products | $44.8M | 18% |
