vs
COASTAL FINANCIAL CORP（CCB）与Forestar Group Inc.（FOR）财务数据对比。点击上方公司名可切换其他公司
Forestar Group Inc.的季度营收约是COASTAL FINANCIAL CORP的2.0倍（$273.0M vs $138.0M），Forestar Group Inc.同比增速更快（9.0% vs -5.8%），COASTAL FINANCIAL CORP自由现金流更多（$246.1M vs $-157.1M），过去两年COASTAL FINANCIAL CORP的营收复合增速更高（-3.6% vs -9.6%）
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。
福雷斯特集团是一家住宅地块开发企业，总部位于得克萨斯州阿灵顿，业务覆盖美国21个州的51个市场。截至2020年12月31日的12个月内，该公司交付了11518块住宅地块，目前在纽约证券交易所上市，自2002年起就是美国规模最大的住宅建筑商D.R. Horton的控股子公司。
CCB vs FOR — 直观对比
营收规模更大
FOR
是对方的2.0倍
$138.0M
营收增速更快
FOR
高出14.8%
-5.8%
自由现金流更多
CCB
多$403.2M
$-157.1M
两年增速更快
CCB
近两年复合增速
-9.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $138.0M | $273.0M |
| 净利润 | — | $15.4M |
| 毛利率 | — | 20.1% |
| 营业利润率 | 12.4% | 7.6% |
| 净利率 | — | 5.6% |
| 营收同比 | -5.8% | 9.0% |
| 净利润同比 | — | -6.7% |
| 每股收益（稀释后） | $0.84 | $0.30 |
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CCBFOR
| Q4 25 | $138.0M | $273.0M | ||
| Q3 25 | $144.7M | $670.5M | ||
| Q2 25 | $119.4M | $390.5M | ||
| Q1 25 | $139.5M | $351.0M | ||
| Q4 24 | $146.5M | $250.4M | ||
| Q3 24 | $151.1M | $551.3M | ||
| Q2 24 | $135.3M | $318.4M | ||
| Q1 24 | $148.4M | $333.8M |
净利润CCBFOR
| Q4 25 | — | $15.4M | ||
| Q3 25 | $13.6M | $86.9M | ||
| Q2 25 | $11.0M | $32.9M | ||
| Q1 25 | $9.7M | $31.6M | ||
| Q4 24 | — | $16.5M | ||
| Q3 24 | $13.5M | $81.5M | ||
| Q2 24 | $11.6M | $38.7M | ||
| Q1 24 | $6.8M | $45.0M |
毛利率CCBFOR
| Q4 25 | — | 20.1% | ||
| Q3 25 | — | 22.3% | ||
| Q2 25 | — | 20.4% | ||
| Q1 25 | — | 22.6% | ||
| Q4 24 | — | 22.0% | ||
| Q3 24 | — | 23.9% | ||
| Q2 24 | — | 22.5% | ||
| Q1 24 | — | 24.9% |
营业利润率CCBFOR
| Q4 25 | 12.4% | 7.6% | ||
| Q3 25 | 12.4% | 16.9% | ||
| Q2 25 | 12.0% | 11.2% | ||
| Q1 25 | 8.4% | 11.6% | ||
| Q4 24 | 11.7% | 8.7% | ||
| Q3 24 | 10.8% | 19.7% | ||
| Q2 24 | 11.1% | 16.2% | ||
| Q1 24 | 5.9% | 17.6% |
净利率CCBFOR
| Q4 25 | — | 5.6% | ||
| Q3 25 | 9.4% | 13.0% | ||
| Q2 25 | 9.2% | 8.4% | ||
| Q1 25 | 7.0% | 9.0% | ||
| Q4 24 | — | 6.6% | ||
| Q3 24 | 8.9% | 14.8% | ||
| Q2 24 | 8.6% | 12.2% | ||
| Q1 24 | 4.6% | 13.5% |
每股收益（稀释后）CCBFOR
| Q4 25 | $0.84 | $0.30 | ||
| Q3 25 | $0.88 | $1.70 | ||
| Q2 25 | $0.71 | $0.65 | ||
| Q1 25 | $0.63 | $0.62 | ||
| Q4 24 | $0.95 | $0.32 | ||
| Q3 24 | $0.97 | $1.59 | ||
| Q2 24 | $0.84 | $0.76 | ||
| Q1 24 | $0.50 | $0.89 |
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 | — | $211.7M |
| 总债务越低越好 | — | $793.2M |
| 股东权益账面价值 | $491.0M | $1.8B |
| 总资产 | $4.7B | $3.2B |
| 负债/权益比越低杠杆越低 | — | 0.44× |
8季度趋势，按日历期对齐
现金及短期投资CCBFOR
| Q4 25 | — | $211.7M | ||
| Q3 25 | — | $379.2M | ||
| Q2 25 | — | $189.2M | ||
| Q1 25 | — | $174.3M | ||
| Q4 24 | — | $132.0M | ||
| Q3 24 | — | $481.2M | ||
| Q2 24 | — | $359.2M | ||
| Q1 24 | — | $416.2M |
总债务CCBFOR
| Q4 25 | — | $793.2M | ||
| Q3 25 | — | $802.7M | ||
| Q2 25 | — | $872.8M | ||
| Q1 25 | — | $872.5M | ||
| Q4 24 | — | $806.8M | ||
| Q3 24 | — | $706.4M | ||
| Q2 24 | — | $706.1M | ||
| Q1 24 | — | $705.7M |
股东权益CCBFOR
| Q4 25 | $491.0M | $1.8B | ||
| Q3 25 | $475.3M | $1.8B | ||
| Q2 25 | $461.7M | $1.7B | ||
| Q1 25 | $449.9M | $1.6B | ||
| Q4 24 | $438.7M | $1.6B | ||
| Q3 24 | $331.9M | $1.6B | ||
| Q2 24 | $316.7M | $1.5B | ||
| Q1 24 | $303.7M | $1.5B |
总资产CCBFOR
| Q4 25 | $4.7B | $3.2B | ||
| Q3 25 | $4.6B | $3.1B | ||
| Q2 25 | $4.5B | $3.1B | ||
| Q1 25 | $4.3B | $3.0B | ||
| Q4 24 | $4.1B | $3.0B | ||
| Q3 24 | $4.1B | $2.8B | ||
| Q2 24 | $4.0B | $2.7B | ||
| Q1 24 | $3.9B | $2.6B |
负债/权益比CCBFOR
| Q4 25 | — | 0.44× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.52× | ||
| Q1 25 | — | 0.53× | ||
| Q4 24 | — | 0.50× | ||
| Q3 24 | — | 0.44× | ||
| Q2 24 | — | 0.47× | ||
| Q1 24 | — | 0.48× |
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 | $-157.0M |
| 自由现金流经营现金流 - 资本支出 | $246.1M | $-157.1M |
| 自由现金流率自由现金流/营收 | 178.3% | -57.5% |
| 资本支出强度资本支出/营收 | 6.1% | 0.0% |
| 现金转化率经营现金流/净利润 | — | -10.19× |
| 过去12个月自由现金流最近4个季度 | $436.4M | $93.0M |
8季度趋势，按日历期对齐
经营现金流CCBFOR
| Q4 25 | $254.6M | $-157.0M | ||
| Q3 25 | $59.0M | $256.3M | ||
| Q2 25 | $66.0M | $15.8M | ||
| Q1 25 | $71.7M | $-19.8M | ||
| Q4 24 | $259.8M | $-450.0M | ||
| Q3 24 | $62.6M | $119.2M | ||
| Q2 24 | $72.1M | $-61.7M | ||
| Q1 24 | $56.8M | $-59.2M |
自由现金流CCBFOR
| Q4 25 | $246.1M | $-157.1M | ||
| Q3 25 | $57.4M | $255.6M | ||
| Q2 25 | $64.0M | $15.0M | ||
| Q1 25 | $68.9M | $-20.5M | ||
| Q4 24 | $249.9M | — | ||
| Q3 24 | $60.2M | $118.4M | ||
| Q2 24 | $69.5M | $-62.3M | ||
| Q1 24 | $55.0M | $-59.8M |
自由现金流率CCBFOR
| Q4 25 | 178.3% | -57.5% | ||
| Q3 25 | 39.7% | 38.1% | ||
| Q2 25 | 53.6% | 3.8% | ||
| Q1 25 | 49.4% | -5.8% | ||
| Q4 24 | 170.6% | — | ||
| Q3 24 | 39.8% | 21.5% | ||
| Q2 24 | 51.3% | -19.6% | ||
| Q1 24 | 37.1% | -17.9% |
资本支出强度CCBFOR
| Q4 25 | 6.1% | 0.0% | ||
| Q3 25 | 1.2% | 0.1% | ||
| Q2 25 | 1.7% | 0.2% | ||
| Q1 25 | 2.0% | 0.2% | ||
| Q4 24 | 6.8% | 0.0% | ||
| Q3 24 | 1.6% | 0.1% | ||
| Q2 24 | 1.9% | 0.2% | ||
| Q1 24 | 1.2% | 0.2% |
现金转化率CCBFOR
| Q4 25 | — | -10.19× | ||
| Q3 25 | 4.34× | 2.95× | ||
| Q2 25 | 5.99× | 0.48× | ||
| Q1 25 | 7.37× | -0.63× | ||
| Q4 24 | — | -27.27× | ||
| Q3 24 | 4.65× | 1.46× | ||
| Q2 24 | 6.22× | -1.59× | ||
| Q1 24 | 8.35× | -1.32× |
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% |
FOR
| D.R.Horton Inc. | $183.8M | 67% |
| Other | $89.2M | 33% |
