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COMMERCE BANCSHARES INC（CBSH）与Stitch Fix, Inc.（SFIX）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Stitch Fix, Inc.的1.4倍（$475.7M vs $342.1M），COMMERCE BANCSHARES INC净利率更高（29.8% vs -1.9%，领先31.6%），COMMERCE BANCSHARES INC同比增速更快（11.1% vs 7.3%），过去两年COMMERCE BANCSHARES INC的营收复合增速更高（7.1% vs 1.8%）
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。
Stitch Fix是美国的在线个人造型服务平台，依托推荐算法与数据科学技术，根据顾客的身形尺寸、预算和风格偏好推送个性化服饰单品。该公司创立于2011年，2017年完成首次公开募股，目前总部位于旧金山。
CBSH vs SFIX — 直观对比
营收规模更大
CBSH
是对方的1.4倍
$342.1M
营收增速更快
CBSH
高出3.8%
7.3%
净利率更高
CBSH
高出31.6%
-1.9%
两年增速更快
CBSH
近两年复合增速
1.8%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $475.7M | $342.1M |
| 净利润 | $141.6M | $-6.4M |
| 毛利率 | — | 43.6% |
| 营业利润率 | — | -2.5% |
| 净利率 | 29.8% | -1.9% |
| 营收同比 | 11.1% | 7.3% |
| 净利润同比 | 10.5% | -1.7% |
| 每股收益（稀释后） | $0.96 | $-0.05 |
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CBSHSFIX
| Q1 26 | $475.7M | — | ||
| Q4 25 | $449.4M | $342.1M | ||
| Q3 25 | $441.0M | $311.2M | ||
| Q2 25 | $445.8M | $325.0M | ||
| Q1 25 | $428.1M | $312.1M | ||
| Q4 24 | $422.1M | $318.8M | ||
| Q3 24 | $421.4M | $319.6M | ||
| Q2 24 | $414.5M | $322.7M |
净利润CBSHSFIX
| Q1 26 | $141.6M | — | ||
| Q4 25 | $140.7M | $-6.4M | ||
| Q3 25 | $141.5M | $-8.6M | ||
| Q2 25 | $152.5M | $-7.4M | ||
| Q1 25 | $131.6M | $-6.5M | ||
| Q4 24 | $136.1M | $-6.3M | ||
| Q3 24 | $138.0M | $-36.5M | ||
| Q2 24 | $139.6M | $-21.3M |
毛利率CBSHSFIX
| Q1 26 | — | — | ||
| Q4 25 | — | 43.6% | ||
| Q3 25 | — | 43.6% | ||
| Q2 25 | — | 44.2% | ||
| Q1 25 | — | 44.5% | ||
| Q4 24 | — | 45.4% | ||
| Q3 24 | — | 44.6% | ||
| Q2 24 | — | 45.5% |
营业利润率CBSHSFIX
| Q1 26 | — | — | ||
| Q4 25 | 40.8% | -2.5% | ||
| Q3 25 | 41.9% | -3.6% | ||
| Q2 25 | 44.0% | -3.0% | ||
| Q1 25 | 39.2% | -2.9% | ||
| Q4 24 | 41.2% | -2.8% | ||
| Q3 24 | 42.4% | -13.1% | ||
| Q2 24 | 43.4% | -7.7% |
净利率CBSHSFIX
| Q1 26 | 29.8% | — | ||
| Q4 25 | 31.3% | -1.9% | ||
| Q3 25 | 32.1% | -2.8% | ||
| Q2 25 | 34.2% | -2.3% | ||
| Q1 25 | 30.7% | -2.1% | ||
| Q4 24 | 32.2% | -2.0% | ||
| Q3 24 | 32.8% | -11.4% | ||
| Q2 24 | 33.7% | -6.6% |
每股收益（稀释后）CBSHSFIX
| Q1 26 | $0.96 | — | ||
| Q4 25 | $0.86 | $-0.05 | ||
| Q3 25 | $1.06 | $-0.06 | ||
| Q2 25 | $1.14 | $-0.06 | ||
| Q1 25 | $0.98 | $-0.05 | ||
| Q4 24 | $0.83 | $-0.05 | ||
| Q3 24 | $1.01 | $-0.29 | ||
| Q2 24 | $1.03 | $-0.18 |
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 | — | $244.2M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $4.3B | $204.1M |
| 总资产 | $35.7B | $530.7M |
| 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CBSHSFIX
| Q1 26 | — | — | ||
| Q4 25 | — | $244.2M | ||
| Q3 25 | — | $234.9M | ||
| Q2 25 | — | $234.2M | ||
| Q1 25 | — | $219.1M | ||
| Q4 24 | — | $253.3M | ||
| Q3 24 | — | $247.0M | ||
| Q2 24 | — | $244.5M |
股东权益CBSHSFIX
| Q1 26 | $4.3B | — | ||
| Q4 25 | $3.8B | $204.1M | ||
| Q3 25 | $3.8B | $203.0M | ||
| Q2 25 | $3.6B | $200.4M | ||
| Q1 25 | $3.5B | $197.8M | ||
| Q4 24 | $3.3B | $190.5M | ||
| Q3 24 | $3.4B | $187.0M | ||
| Q2 24 | $3.1B | $208.9M |
总资产CBSHSFIX
| Q1 26 | $35.7B | — | ||
| Q4 25 | $32.9B | $530.7M | ||
| Q3 25 | $32.3B | $480.6M | ||
| Q2 25 | $32.3B | $484.7M | ||
| Q1 25 | $32.4B | $472.6M | ||
| Q4 24 | $32.0B | $507.1M | ||
| Q3 24 | $31.5B | $486.9M | ||
| Q2 24 | $30.6B | $537.0M |
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 | — | $10.9M |
| 自由现金流经营现金流 - 资本支出 | — | $5.6M |
| 自由现金流率自由现金流/营收 | — | 1.6% |
| 资本支出强度资本支出/营收 | — | 1.6% |
| 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 | — | $4.9M |
8季度趋势，按日历期对齐
经营现金流CBSHSFIX
| Q1 26 | — | — | ||
| Q4 25 | $645.1M | $10.9M | ||
| Q3 25 | $129.0M | $7.0M | ||
| Q2 25 | $111.2M | $20.5M | ||
| Q1 25 | $138.6M | $-16.2M | ||
| Q4 24 | $577.9M | $14.3M | ||
| Q3 24 | $431.7M | $8.2M | ||
| Q2 24 | $147.4M | $21.7M |
自由现金流CBSHSFIX
| Q1 26 | — | — | ||
| Q4 25 | $592.4M | $5.6M | ||
| Q3 25 | $113.3M | $2.8M | ||
| Q2 25 | $100.5M | $16.0M | ||
| Q1 25 | $126.0M | $-19.4M | ||
| Q4 24 | $531.7M | $9.9M | ||
| Q3 24 | $419.1M | $4.5M | ||
| Q2 24 | $138.9M | $18.9M |
自由现金流率CBSHSFIX
| Q1 26 | — | — | ||
| Q4 25 | 131.8% | 1.6% | ||
| Q3 25 | 25.7% | 0.9% | ||
| Q2 25 | 22.5% | 4.9% | ||
| Q1 25 | 29.4% | -6.2% | ||
| Q4 24 | 126.0% | 3.1% | ||
| Q3 24 | 99.5% | 1.4% | ||
| Q2 24 | 33.5% | 5.9% |
资本支出强度CBSHSFIX
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | 1.6% | ||
| Q3 25 | 3.6% | 1.4% | ||
| Q2 25 | 2.4% | 1.4% | ||
| Q1 25 | 2.9% | 1.0% | ||
| Q4 24 | 10.9% | 1.4% | ||
| Q3 24 | 3.0% | 1.2% | ||
| Q2 24 | 2.1% | 0.9% |
现金转化率CBSHSFIX
| 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
