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CNB FINANCIAL CORP（CCNE）与牛津地产（IIPR）财务数据对比。点击上方公司名可切换其他公司
CNB FINANCIAL CORP的季度营收约是牛津地产的1.3倍（$86.4M vs $66.7M），牛津地产净利率更高（47.8% vs 24.0%，领先23.8%），CNB FINANCIAL CORP同比增速更快（45.5% vs -13.1%），过去两年CNB FINANCIAL CORP的营收复合增速更高（26.3% vs -6.0%）
CNB金融集团（宾夕法尼亚州）是美国区域性银行控股企业，总部位于宾州，提供零售及商业银行服务，涵盖储蓄账户、个人及商业贷款、财富管理等产品，服务区域覆盖宾州、俄亥俄州及西弗吉尼亚州，客户包括个人消费者和中小微企业。
牛津地产是一家加拿大跨国企业，业务涵盖房地产投资、开发与物业管理。其投资组合包含写字楼、零售、工业、多户住宅、生命科学及酒店类资产。该公司1960年以私营企业形式创立，自2003年起成为安大略省市政雇员退休系统（OMERS）的全资子公司，总部设于多伦多，在纽约、伦敦、澳大利亚、新加坡及卢森堡均设有区域总部。
CCNE vs IIPR — 直观对比
营收规模更大
CCNE
是对方的1.3倍
$66.7M
营收增速更快
CCNE
高出58.6%
-13.1%
净利率更高
IIPR
高出23.8%
24.0%
两年增速更快
CCNE
近两年复合增速
-6.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $86.4M | $66.7M |
| 净利润 | $20.7M | $31.8M |
| 毛利率 | — | — |
| 营业利润率 | 48.4% | 47.8% |
| 净利率 | 24.0% | 47.8% |
| 营收同比 | 45.5% | -13.1% |
| 净利润同比 | 37.4% | -20.4% |
| 每股收益（稀释后） | $0.69 | $1.07 |
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CCNEIIPR
| Q4 25 | $86.4M | $66.7M | ||
| Q3 25 | $77.7M | $64.7M | ||
| Q2 25 | $61.2M | $62.9M | ||
| Q1 25 | $56.9M | $71.7M | ||
| Q4 24 | $59.4M | $76.7M | ||
| Q3 24 | $58.5M | $76.5M | ||
| Q2 24 | $54.6M | $79.8M | ||
| Q1 24 | $54.2M | $75.5M |
净利润CCNEIIPR
| Q4 25 | $20.7M | $31.8M | ||
| Q3 25 | $20.0M | $29.3M | ||
| Q2 25 | $14.0M | $26.0M | ||
| Q1 25 | $11.5M | $31.1M | ||
| Q4 24 | $15.1M | $40.0M | ||
| Q3 24 | $14.0M | $40.2M | ||
| Q2 24 | $13.0M | $42.0M | ||
| Q1 24 | $12.6M | $39.4M |
营业利润率CCNEIIPR
| Q4 25 | 48.4% | 47.8% | ||
| Q3 25 | 11.7% | 45.5% | ||
| Q2 25 | 28.2% | 45.9% | ||
| Q1 25 | 25.2% | 47.4% | ||
| Q4 24 | 31.4% | 54.7% | ||
| Q3 24 | 29.6% | 54.8% | ||
| Q2 24 | 29.3% | 53.1% | ||
| Q1 24 | 28.5% | 55.7% |
净利率CCNEIIPR
| Q4 25 | 24.0% | 47.8% | ||
| Q3 25 | 25.7% | 45.3% | ||
| Q2 25 | 22.8% | 41.4% | ||
| Q1 25 | 20.2% | 43.3% | ||
| Q4 24 | 25.4% | 52.2% | ||
| Q3 24 | 23.9% | 52.6% | ||
| Q2 24 | 23.7% | 52.6% | ||
| Q1 24 | 23.3% | 52.3% |
每股收益（稀释后）CCNEIIPR
| Q4 25 | $0.69 | $1.07 | ||
| Q3 25 | $0.69 | $0.97 | ||
| Q2 25 | $0.61 | $0.86 | ||
| Q1 25 | $0.50 | $1.03 | ||
| Q4 24 | $0.67 | $1.35 | ||
| Q3 24 | $0.61 | $1.37 | ||
| Q2 24 | $0.56 | $1.44 | ||
| Q1 24 | $0.55 | $1.36 |
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 | $527.9M | $47.6M |
| 总债务越低越好 | $84.9M | $393.7M |
| 股东权益账面价值 | $872.1M | $1.8B |
| 总资产 | $8.4B | $2.4B |
| 负债/权益比越低杠杆越低 | 0.10× | 0.21× |
8季度趋势，按日历期对齐
现金及短期投资CCNEIIPR
| Q4 25 | $527.9M | $47.6M | ||
| Q3 25 | $438.1M | $41.9M | ||
| Q2 25 | $425.4M | $104.9M | ||
| Q1 25 | $520.2M | $133.3M | ||
| Q4 24 | $443.0M | $151.2M | ||
| Q3 24 | $360.9M | $172.4M | ||
| Q2 24 | $331.1M | $160.9M | ||
| Q1 24 | $301.5M | $173.5M |
总债务CCNEIIPR
| Q4 25 | $84.9M | $393.7M | ||
| Q3 25 | $84.8M | — | ||
| Q2 25 | $84.7M | — | ||
| Q1 25 | $84.6M | — | ||
| Q4 24 | $84.6M | — | ||
| Q3 24 | $84.5M | — | ||
| Q2 24 | $84.4M | — | ||
| Q1 24 | $84.3M | — |
股东权益CCNEIIPR
| Q4 25 | $872.1M | $1.8B | ||
| Q3 25 | $844.2M | $1.9B | ||
| Q2 25 | $637.3M | $1.9B | ||
| Q1 25 | $624.5M | $1.9B | ||
| Q4 24 | $610.7M | $1.9B | ||
| Q3 24 | $606.4M | $1.9B | ||
| Q2 24 | $586.7M | $1.9B | ||
| Q1 24 | $578.6M | $2.0B |
总资产CCNEIIPR
| Q4 25 | $8.4B | $2.4B | ||
| Q3 25 | $8.3B | $2.3B | ||
| Q2 25 | $6.3B | $2.3B | ||
| Q1 25 | $6.3B | $2.4B | ||
| Q4 24 | $6.2B | $2.4B | ||
| Q3 24 | $6.0B | $2.4B | ||
| Q2 24 | $5.9B | $2.4B | ||
| Q1 24 | $5.8B | $2.4B |
负债/权益比CCNEIIPR
| Q4 25 | 0.10× | 0.21× | ||
| Q3 25 | 0.10× | — | ||
| Q2 25 | 0.13× | — | ||
| Q1 25 | 0.14× | — | ||
| Q4 24 | 0.14× | — | ||
| Q3 24 | 0.14× | — | ||
| Q2 24 | 0.14× | — | ||
| Q1 24 | 0.15× | — |
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 | $65.0M | $198.2M |
| 自由现金流经营现金流 - 资本支出 | $58.7M | — |
| 自由现金流率自由现金流/营收 | 67.9% | — |
| 资本支出强度资本支出/营收 | 7.3% | — |
| 现金转化率经营现金流/净利润 | 3.14× | 6.22× |
| 过去12个月自由现金流最近4个季度 | $91.3M | — |
8季度趋势，按日历期对齐
经营现金流CCNEIIPR
| Q4 25 | $65.0M | $198.2M | ||
| Q3 25 | $7.0M | $45.6M | ||
| Q2 25 | $20.2M | $48.4M | ||
| Q1 25 | $11.6M | $54.2M | ||
| Q4 24 | $71.5M | $258.4M | ||
| Q3 24 | $26.4M | $64.9M | ||
| Q2 24 | $10.4M | $64.2M | ||
| Q1 24 | $12.5M | $71.6M |
自由现金流CCNEIIPR
| Q4 25 | $58.7M | — | ||
| Q3 25 | $4.9M | — | ||
| Q2 25 | $17.9M | — | ||
| Q1 25 | $9.9M | — | ||
| Q4 24 | $55.2M | — | ||
| Q3 24 | $22.2M | — | ||
| Q2 24 | $4.1M | — | ||
| Q1 24 | $10.0M | — |
自由现金流率CCNEIIPR
| Q4 25 | 67.9% | — | ||
| Q3 25 | 6.4% | — | ||
| Q2 25 | 29.2% | — | ||
| Q1 25 | 17.3% | — | ||
| Q4 24 | 93.0% | — | ||
| Q3 24 | 38.0% | — | ||
| Q2 24 | 7.6% | — | ||
| Q1 24 | 18.5% | — |
资本支出强度CCNEIIPR
| Q4 25 | 7.3% | — | ||
| Q3 25 | 2.7% | — | ||
| Q2 25 | 3.9% | — | ||
| Q1 25 | 3.0% | — | ||
| Q4 24 | 27.4% | — | ||
| Q3 24 | 7.1% | — | ||
| Q2 24 | 11.6% | — | ||
| Q1 24 | 4.5% | — |
现金转化率CCNEIIPR
| Q4 25 | 3.14× | 6.22× | ||
| Q3 25 | 0.35× | 1.56× | ||
| Q2 25 | 1.45× | 1.86× | ||
| Q1 25 | 1.01× | 1.75× | ||
| Q4 24 | 4.75× | 6.46× | ||
| Q3 24 | 1.89× | 1.61× | ||
| Q2 24 | 0.81× | 1.53× | ||
| Q1 24 | 0.99× | 1.82× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
