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COMMERCE BANCSHARES INC（CBSH）与TEXAS CAPITAL BANCSHARES INC（TCBI）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TEXAS CAPITAL BANCSHARES INC的1.5倍（$475.7M vs $324.0M），COMMERCE BANCSHARES INC净利率更高（29.8% vs 22.8%，领先7.0%），TEXAS CAPITAL BANCSHARES INC同比增速更快（15.5% vs 11.1%），过去两年TEXAS CAPITAL BANCSHARES INC的营收复合增速更高（10.2% 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。
德克萨斯资本银行总部位于美国得克萨斯州达拉斯，是得克萨斯资本 Bancshares 旗下的银行主体，在得州所有主要城市均设有线下网点，同时运营纯线上银行品牌Bask Bank，为客户提供多元便捷的金融服务。
CBSH vs TCBI — 直观对比
营收规模更大
CBSH
是对方的1.5倍
$324.0M
营收增速更快
TCBI
高出4.4%
11.1%
净利率更高
CBSH
高出7.0%
22.8%
两年增速更快
TCBI
近两年复合增速
7.1%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $475.7M | $324.0M |
| 净利润 | $141.6M | $73.8M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 29.8% | 22.8% |
| 营收同比 | 11.1% | 15.5% |
| 净利润同比 | 0.7% | 56.8% |
| 每股收益（稀释后） | $0.96 | $1.56 |
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CBSHTCBI
| Q1 26 | $475.7M | $324.0M | ||
| Q4 25 | $449.4M | $327.5M | ||
| Q3 25 | $441.0M | $340.4M | ||
| Q2 25 | $445.8M | $307.5M | ||
| Q1 25 | $428.1M | $280.5M | ||
| Q4 24 | $422.1M | $229.6M | ||
| Q3 24 | $421.4M | $125.3M | ||
| Q2 24 | $414.5M | $267.0M |
净利润CBSHTCBI
| Q1 26 | $141.6M | $73.8M | ||
| Q4 25 | $140.7M | $100.7M | ||
| Q3 25 | $141.5M | $105.2M | ||
| Q2 25 | $152.5M | $77.3M | ||
| Q1 25 | $131.6M | $47.0M | ||
| Q4 24 | $136.1M | $71.0M | ||
| Q3 24 | $138.0M | $-61.3M | ||
| Q2 24 | $139.6M | $41.7M |
营业利润率CBSHTCBI
| Q1 26 | — | — | ||
| Q4 25 | 40.8% | 40.4% | ||
| Q3 25 | 41.9% | 40.5% | ||
| Q2 25 | 44.0% | 33.2% | ||
| Q1 25 | 39.2% | 21.6% | ||
| Q4 24 | 41.2% | 40.7% | ||
| Q3 24 | 42.4% | -63.8% | ||
| Q2 24 | 43.4% | 21.9% |
净利率CBSHTCBI
| Q1 26 | 29.8% | 22.8% | ||
| Q4 25 | 31.3% | 30.7% | ||
| Q3 25 | 32.1% | 30.9% | ||
| Q2 25 | 34.2% | 25.2% | ||
| Q1 25 | 30.7% | 16.8% | ||
| Q4 24 | 32.2% | 30.9% | ||
| Q3 24 | 32.8% | -48.9% | ||
| Q2 24 | 33.7% | 15.6% |
每股收益（稀释后）CBSHTCBI
| Q1 26 | $0.96 | $1.56 | ||
| Q4 25 | $0.86 | $2.11 | ||
| Q3 25 | $1.06 | $2.18 | ||
| Q2 25 | $1.14 | $1.58 | ||
| Q1 25 | $0.98 | $0.92 | ||
| Q4 24 | $0.83 | $1.43 | ||
| Q3 24 | $1.01 | $-1.41 | ||
| Q2 24 | $1.03 | $0.80 |
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 | — | — |
| 总债务越低越好 | — | $878.3M |
| 股东权益账面价值 | $4.3B | $3.6B |
| 总资产 | $35.7B | $33.5B |
| 负债/权益比越低杠杆越低 | — | 0.24× |
8季度趋势，按日历期对齐
总债务CBSHTCBI
| Q1 26 | — | $878.3M | ||
| Q4 25 | — | $620.6M | ||
| Q3 25 | — | $620.4M | ||
| Q2 25 | — | $620.3M | ||
| Q1 25 | — | $660.5M | ||
| Q4 24 | — | $660.3M | ||
| Q3 24 | — | $660.2M | ||
| Q2 24 | — | $660.0M |
股东权益CBSHTCBI
| Q1 26 | $4.3B | $3.6B | ||
| Q4 25 | $3.8B | $3.6B | ||
| Q3 25 | $3.8B | $3.6B | ||
| Q2 25 | $3.6B | $3.5B | ||
| Q1 25 | $3.5B | $3.4B | ||
| Q4 24 | $3.3B | $3.4B | ||
| Q3 24 | $3.4B | $3.4B | ||
| Q2 24 | $3.1B | $3.2B |
总资产CBSHTCBI
| Q1 26 | $35.7B | $33.5B | ||
| Q4 25 | $32.9B | $31.5B | ||
| Q3 25 | $32.3B | $32.5B | ||
| Q2 25 | $32.3B | $31.9B | ||
| Q1 25 | $32.4B | $31.4B | ||
| Q4 24 | $32.0B | $30.7B | ||
| Q3 24 | $31.5B | $31.6B | ||
| Q2 24 | $30.6B | $29.9B |
负债/权益比CBSHTCBI
| Q1 26 | — | 0.24× | ||
| Q4 25 | — | 0.17× | ||
| Q3 25 | — | 0.17× | ||
| Q2 25 | — | 0.18× | ||
| Q1 25 | — | 0.19× | ||
| Q4 24 | — | 0.20× | ||
| Q3 24 | — | 0.20× | ||
| Q2 24 | — | 0.21× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
