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CNB FINANCIAL CORP（CCNE）与RE/MAX Holdings, Inc.（RMAX）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RE/MAX Holdings, Inc.的1.2倍（$86.4M vs $71.1M），CNB FINANCIAL CORP净利率更高（24.0% vs 2.0%，领先21.9%），CNB FINANCIAL CORP同比增速更快（45.5% vs -1.8%），CNB FINANCIAL CORP自由现金流更多（$58.7M vs $33.5M），过去两年CNB FINANCIAL CORP的营收复合增速更高（26.3% vs -4.7%）
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。
RE/MAX是全球知名的房地产特许经营机构，业务遍布全球一百多个国家和地区，旗下拥有数千家门店，总计超过十万名房产经纪人，在国际房产中介领域拥有极高的品牌知名度与市场影响力。
CCNE vs RMAX — 直观对比
营收规模更大
CCNE
是对方的1.2倍
$71.1M
营收增速更快
CCNE
高出47.3%
-1.8%
净利率更高
CCNE
高出21.9%
2.0%
自由现金流更多
CCNE
多$25.1M
$33.5M
两年增速更快
CCNE
近两年复合增速
-4.7%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $86.4M | $71.1M |
| 净利润 | $20.7M | $1.4M |
| 毛利率 | — | — |
| 营业利润率 | 48.4% | 13.1% |
| 净利率 | 24.0% | 2.0% |
| 营收同比 | 45.5% | -1.8% |
| 净利润同比 | 37.4% | -75.2% |
| 每股收益（稀释后） | $0.69 | — |
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CCNERMAX
| Q4 25 | $86.4M | $71.1M | ||
| Q3 25 | $77.7M | $73.2M | ||
| Q2 25 | $61.2M | $72.8M | ||
| Q1 25 | $56.9M | $74.5M | ||
| Q4 24 | $59.4M | $72.5M | ||
| Q3 24 | $58.5M | $78.5M | ||
| Q2 24 | $54.6M | $78.5M | ||
| Q1 24 | $54.2M | $78.3M |
净利润CCNERMAX
| Q4 25 | $20.7M | $1.4M | ||
| Q3 25 | $20.0M | $4.0M | ||
| Q2 25 | $14.0M | $4.7M | ||
| Q1 25 | $11.5M | $-2.0M | ||
| Q4 24 | $15.1M | $5.8M | ||
| Q3 24 | $14.0M | $966.0K | ||
| Q2 24 | $13.0M | $3.7M | ||
| Q1 24 | $12.6M | $-3.4M |
营业利润率CCNERMAX
| Q4 25 | 48.4% | 13.1% | ||
| Q3 25 | 11.7% | 25.0% | ||
| Q2 25 | 28.2% | 19.3% | ||
| Q1 25 | 25.2% | 7.2% | ||
| Q4 24 | 31.4% | 5.9% | ||
| Q3 24 | 29.6% | 19.4% | ||
| Q2 24 | 29.3% | 20.6% | ||
| Q1 24 | 28.5% | 5.8% |
净利率CCNERMAX
| Q4 25 | 24.0% | 2.0% | ||
| Q3 25 | 25.7% | 5.4% | ||
| Q2 25 | 22.8% | 6.4% | ||
| Q1 25 | 20.2% | -2.6% | ||
| Q4 24 | 25.4% | 8.0% | ||
| Q3 24 | 23.9% | 1.2% | ||
| Q2 24 | 23.7% | 4.7% | ||
| Q1 24 | 23.3% | -4.3% |
每股收益（稀释后）CCNERMAX
| Q4 25 | $0.69 | — | ||
| Q3 25 | $0.69 | — | ||
| Q2 25 | $0.61 | — | ||
| Q1 25 | $0.50 | — | ||
| Q4 24 | $0.67 | — | ||
| Q3 24 | $0.61 | — | ||
| Q2 24 | $0.56 | — | ||
| Q1 24 | $0.55 | — |
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 | $118.7M |
| 总债务越低越好 | $84.9M | $432.2M |
| 股东权益账面价值 | $872.1M | $452.4M |
| 总资产 | $8.4B | $582.5M |
| 负债/权益比越低杠杆越低 | 0.10× | 0.96× |
8季度趋势，按日历期对齐
现金及短期投资CCNERMAX
| Q4 25 | $527.9M | $118.7M | ||
| Q3 25 | $438.1M | $107.5M | ||
| Q2 25 | $425.4M | $94.3M | ||
| Q1 25 | $520.2M | $89.1M | ||
| Q4 24 | $443.0M | $96.6M | ||
| Q3 24 | $360.9M | $83.8M | ||
| Q2 24 | $331.1M | $66.1M | ||
| Q1 24 | $301.5M | $82.1M |
总债务CCNERMAX
| Q4 25 | $84.9M | $432.2M | ||
| Q3 25 | $84.8M | $433.3M | ||
| Q2 25 | $84.7M | $434.4M | ||
| Q1 25 | $84.6M | $435.3M | ||
| Q4 24 | $84.6M | $436.2M | ||
| Q3 24 | $84.5M | $437.2M | ||
| Q2 24 | $84.4M | $438.1M | ||
| Q1 24 | $84.3M | $439.0M |
股东权益CCNERMAX
| Q4 25 | $872.1M | $452.4M | ||
| Q3 25 | $844.2M | $448.1M | ||
| Q2 25 | $637.3M | $442.4M | ||
| Q1 25 | $624.5M | $433.5M | ||
| Q4 24 | $610.7M | $429.5M | ||
| Q3 24 | $606.4M | $423.1M | ||
| Q2 24 | $586.7M | $418.4M | ||
| Q1 24 | $578.6M | $412.0M |
总资产CCNERMAX
| Q4 25 | $8.4B | $582.5M | ||
| Q3 25 | $8.3B | $582.2M | ||
| Q2 25 | $6.3B | $574.8M | ||
| Q1 25 | $6.3B | $571.4M | ||
| Q4 24 | $6.2B | $581.6M | ||
| Q3 24 | $6.0B | $578.6M | ||
| Q2 24 | $5.9B | $571.4M | ||
| Q1 24 | $5.8B | $566.7M |
负债/权益比CCNERMAX
| Q4 25 | 0.10× | 0.96× | ||
| Q3 25 | 0.10× | 0.97× | ||
| Q2 25 | 0.13× | 0.98× | ||
| Q1 25 | 0.14× | 1.00× | ||
| Q4 24 | 0.14× | 1.02× | ||
| Q3 24 | 0.14× | 1.03× | ||
| Q2 24 | 0.14× | 1.05× | ||
| Q1 24 | 0.15× | 1.07× |
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 | $40.9M |
| 自由现金流经营现金流 - 资本支出 | $58.7M | $33.5M |
| 自由现金流率自由现金流/营收 | 67.9% | 47.1% |
| 资本支出强度资本支出/营收 | 7.3% | 10.4% |
| 现金转化率经营现金流/净利润 | 3.14× | 28.39× |
| 过去12个月自由现金流最近4个季度 | $91.3M | $56.8M |
8季度趋势，按日历期对齐
经营现金流CCNERMAX
| Q4 25 | $65.0M | $40.9M | ||
| Q3 25 | $7.0M | $17.7M | ||
| Q2 25 | $20.2M | $4.6M | ||
| Q1 25 | $11.6M | $5.7M | ||
| Q4 24 | $71.5M | $59.7M | ||
| Q3 24 | $26.4M | $17.6M | ||
| Q2 24 | $10.4M | $15.9M | ||
| Q1 24 | $12.5M | $9.4M |
自由现金流CCNERMAX
| Q4 25 | $58.7M | $33.5M | ||
| Q3 25 | $4.9M | $16.4M | ||
| Q2 25 | $17.9M | $2.9M | ||
| Q1 25 | $9.9M | $4.0M | ||
| Q4 24 | $55.2M | $53.0M | ||
| Q3 24 | $22.2M | $16.3M | ||
| Q2 24 | $4.1M | $14.0M | ||
| Q1 24 | $10.0M | $6.8M |
自由现金流率CCNERMAX
| Q4 25 | 67.9% | 47.1% | ||
| Q3 25 | 6.4% | 22.4% | ||
| Q2 25 | 29.2% | 4.0% | ||
| Q1 25 | 17.3% | 5.3% | ||
| Q4 24 | 93.0% | 73.2% | ||
| Q3 24 | 38.0% | 20.8% | ||
| Q2 24 | 7.6% | 17.8% | ||
| Q1 24 | 18.5% | 8.6% |
资本支出强度CCNERMAX
| Q4 25 | 7.3% | 10.4% | ||
| Q3 25 | 2.7% | 1.8% | ||
| Q2 25 | 3.9% | 2.2% | ||
| Q1 25 | 3.0% | 2.3% | ||
| Q4 24 | 27.4% | 9.1% | ||
| Q3 24 | 7.1% | 1.7% | ||
| Q2 24 | 11.6% | 2.4% | ||
| Q1 24 | 4.5% | 3.3% |
现金转化率CCNERMAX
| Q4 25 | 3.14× | 28.39× | ||
| Q3 25 | 0.35× | 4.45× | ||
| Q2 25 | 1.45× | 0.97× | ||
| Q1 25 | 1.01× | — | ||
| Q4 24 | 4.75× | 10.28× | ||
| Q3 24 | 1.89× | 18.22× | ||
| Q2 24 | 0.81× | 4.29× | ||
| Q1 24 | 0.99× | — |
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
CCNE
暂无分部数据
RMAX
| Franchising Segment | $50.1M | 70% |
| Broker Fees | $13.9M | 20% |
| Annual Dues | $7.4M | 10% |
