vs
COASTAL FINANCIAL CORP（CCB）与CSW INDUSTRIALS, INC.（CSW）财务数据对比。点击上方公司名可切换其他公司
CSW INDUSTRIALS, INC.的季度营收约是COASTAL FINANCIAL CORP的1.7倍（$233.0M vs $138.0M），CSW INDUSTRIALS, INC.同比增速更快（20.3% vs -5.8%），COASTAL FINANCIAL CORP自由现金流更多（$246.1M vs $22.7M），过去两年CSW INDUSTRIALS, INC.的营收复合增速更高（5.1% vs -3.6%）
富达国民金融是美国财富500强企业，面向房地产与按揭行业提供产权保险及交割服务。2019年，其产权及房地产业务相关年营收约为84.69亿美元，是行业内具有领先地位的金融服务提供商。
CCB vs CSW — 直观对比
营收规模更大
CSW
是对方的1.7倍
$138.0M
营收增速更快
CSW
高出26.1%
-5.8%
自由现金流更多
CCB
多$223.4M
$22.7M
两年增速更快
CSW
近两年复合增速
-3.6%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $138.0M | $233.0M |
| 净利润 | — | $10.3M |
| 毛利率 | — | 39.7% |
| 营业利润率 | 12.4% | 7.4% |
| 净利率 | — | 4.4% |
| 营收同比 | -5.8% | 20.3% |
| 净利润同比 | — | -61.9% |
| 每股收益（稀释后） | $0.84 | $0.62 |
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CCBCSW
| Q4 25 | $138.0M | $233.0M | ||
| Q3 25 | $144.7M | $277.0M | ||
| Q2 25 | $119.4M | $263.6M | ||
| Q1 25 | $139.5M | $230.5M | ||
| Q4 24 | $146.5M | $193.6M | ||
| Q3 24 | $151.1M | $227.9M | ||
| Q2 24 | $135.3M | $226.2M | ||
| Q1 24 | $148.4M | $210.9M |
净利润CCBCSW
| Q4 25 | — | $10.3M | ||
| Q3 25 | $13.6M | $40.7M | ||
| Q2 25 | $11.0M | $40.9M | ||
| Q1 25 | $9.7M | $35.1M | ||
| Q4 24 | — | $26.9M | ||
| Q3 24 | $13.5M | $36.1M | ||
| Q2 24 | $11.6M | $38.6M | ||
| Q1 24 | $6.8M | $31.8M |
毛利率CCBCSW
| Q4 25 | — | 39.7% | ||
| Q3 25 | — | 43.0% | ||
| Q2 25 | — | 43.8% | ||
| Q1 25 | — | 44.2% | ||
| Q4 24 | — | 41.4% | ||
| Q3 24 | — | 45.6% | ||
| Q2 24 | — | 47.5% | ||
| Q1 24 | — | 44.4% |
营业利润率CCBCSW
| Q4 25 | 12.4% | 7.4% | ||
| Q3 25 | 12.4% | 20.5% | ||
| Q2 25 | 12.0% | 20.8% | ||
| Q1 25 | 8.4% | 19.5% | ||
| Q4 24 | 11.7% | 15.3% | ||
| Q3 24 | 10.8% | 22.6% | ||
| Q2 24 | 11.1% | 24.3% | ||
| Q1 24 | 5.9% | 21.0% |
净利率CCBCSW
| Q4 25 | — | 4.4% | ||
| Q3 25 | 9.4% | 14.7% | ||
| Q2 25 | 9.2% | 15.5% | ||
| Q1 25 | 7.0% | 15.2% | ||
| Q4 24 | — | 13.9% | ||
| Q3 24 | 8.9% | 15.8% | ||
| Q2 24 | 8.6% | 17.1% | ||
| Q1 24 | 4.6% | 15.1% |
每股收益（稀释后）CCBCSW
| Q4 25 | $0.84 | $0.62 | ||
| Q3 25 | $0.88 | $2.41 | ||
| Q2 25 | $0.71 | $2.43 | ||
| Q1 25 | $0.63 | $2.05 | ||
| Q4 24 | $0.95 | $1.60 | ||
| Q3 24 | $0.97 | $2.26 | ||
| Q2 24 | $0.84 | $2.47 | ||
| Q1 24 | $0.50 | $2.03 |
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 | — | $40.2M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $491.0M | $1.1B |
| 总资产 | $4.7B | $2.3B |
| 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CCBCSW
| Q4 25 | — | $40.2M | ||
| Q3 25 | — | $31.5M | ||
| Q2 25 | — | $38.0M | ||
| Q1 25 | — | $225.8M | ||
| Q4 24 | — | $213.8M | ||
| Q3 24 | — | $273.2M | ||
| Q2 24 | — | $18.9M | ||
| Q1 24 | — | $22.2M |
总债务CCBCSW
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $800.1M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $166.0M |
股东权益CCBCSW
| Q4 25 | $491.0M | $1.1B | ||
| Q3 25 | $475.3M | $1.1B | ||
| Q2 25 | $461.7M | $1.1B | ||
| Q1 25 | $449.9M | $1.1B | ||
| Q4 24 | $438.7M | $1.0B | ||
| Q3 24 | $331.9M | $1.0B | ||
| Q2 24 | $316.7M | $650.2M | ||
| Q1 24 | $303.7M | $615.7M |
总资产CCBCSW
| Q4 25 | $4.7B | $2.3B | ||
| Q3 25 | $4.6B | $1.5B | ||
| Q2 25 | $4.5B | $1.5B | ||
| Q1 25 | $4.3B | $1.4B | ||
| Q4 24 | $4.1B | $1.4B | ||
| Q3 24 | $4.1B | $1.4B | ||
| Q2 24 | $4.0B | $1.1B | ||
| Q1 24 | $3.9B | $1.0B |
负债/权益比CCBCSW
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 0.75× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 0.27× |
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 | $254.6M | $28.9M |
| 自由现金流经营现金流 - 资本支出 | $246.1M | $22.7M |
| 自由现金流率自由现金流/营收 | 178.3% | 9.8% |
| 资本支出强度资本支出/营收 | 6.1% | 2.6% |
| 现金转化率经营现金流/净利润 | — | 2.81× |
| 过去12个月自由现金流最近4个季度 | $436.4M | $162.0M |
8季度趋势，按日历期对齐
经营现金流CCBCSW
| Q4 25 | $254.6M | $28.9M | ||
| Q3 25 | $59.0M | $61.8M | ||
| Q2 25 | $66.0M | $60.6M | ||
| Q1 25 | $71.7M | $27.3M | ||
| Q4 24 | $259.8M | $11.6M | ||
| Q3 24 | $62.6M | $66.8M | ||
| Q2 24 | $72.1M | $62.7M | ||
| Q1 24 | $56.8M | $22.4M |
自由现金流CCBCSW
| Q4 25 | $246.1M | $22.7M | ||
| Q3 25 | $57.4M | $58.7M | ||
| Q2 25 | $64.0M | $57.7M | ||
| Q1 25 | $68.9M | $22.8M | ||
| Q4 24 | $249.9M | $8.5M | ||
| Q3 24 | $60.2M | $61.3M | ||
| Q2 24 | $69.5M | $59.6M | ||
| Q1 24 | $55.0M | $17.5M |
自由现金流率CCBCSW
| Q4 25 | 178.3% | 9.8% | ||
| Q3 25 | 39.7% | 21.2% | ||
| Q2 25 | 53.6% | 21.9% | ||
| Q1 25 | 49.4% | 9.9% | ||
| Q4 24 | 170.6% | 4.4% | ||
| Q3 24 | 39.8% | 26.9% | ||
| Q2 24 | 51.3% | 26.3% | ||
| Q1 24 | 37.1% | 8.3% |
资本支出强度CCBCSW
| Q4 25 | 6.1% | 2.6% | ||
| Q3 25 | 1.2% | 1.1% | ||
| Q2 25 | 1.7% | 1.1% | ||
| Q1 25 | 2.0% | 2.0% | ||
| Q4 24 | 6.8% | 1.6% | ||
| Q3 24 | 1.6% | 2.4% | ||
| Q2 24 | 1.9% | 1.4% | ||
| Q1 24 | 1.2% | 2.3% |
现金转化率CCBCSW
| Q4 25 | — | 2.81× | ||
| Q3 25 | 4.34× | 1.52× | ||
| Q2 25 | 5.99× | 1.48× | ||
| Q1 25 | 7.37× | 0.78× | ||
| Q4 24 | — | 0.43× | ||
| Q3 24 | 4.65× | 1.85× | ||
| Q2 24 | 6.22× | 1.62× | ||
| Q1 24 | 8.35× | 0.71× |
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
CCB
| Other | $74.7M | 54% |
| Baa S Credit Enhancements | $47.3M | 34% |
| Baa S Program Income | $8.4M | 6% |
| Transaction Fees | $4.9M | 4% |
| Servicing And Other Baa S Fees | $1.6M | 1% |
| Baa S Fraud Enhancements | $1.1M | 1% |
CSW
| Contractor Solutions Segment | $166.3M | 71% |
| Specialized Reliability Solutions Segment | $38.2M | 16% |
| Engineered Building Solutions Segment | $28.5M | 12% |
