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Consensus Cloud Solutions, Inc.（CCSI）与合众银行（FSBC）财务数据对比。点击上方公司名可切换其他公司
Consensus Cloud Solutions, Inc.的季度营收约是合众银行的1.9倍（$87.1M vs $45.1M），合众银行净利率更高（41.3% vs 23.5%，领先17.7%），过去两年合众银行的营收复合增速更高（21.3% vs -0.6%）
Consensus Cloud Solutions是一家云解决方案提供商，核心产品包括加密数字传真、安全文档交换、工作流程自动化工具，主要面向医疗、法律、金融服务等领域的北美企业客户提供相关服务。
合众银行是总部设在美国明尼阿波利斯、在特拉华州注册的美国跨国银行机构，截至2025年为美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的银行。它旗下核心运营实体为美国银行全国协会，以US Bank品牌开展业务，提供银行、投资、抵押等金融服务。
CCSI vs FSBC — 直观对比
营收规模更大
CCSI
是对方的1.9倍
$45.1M
净利率更高
FSBC
高出17.7%
23.5%
两年增速更快
FSBC
近两年复合增速
-0.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $87.1M | $45.1M |
| 净利润 | $20.5M | $18.6M |
| 毛利率 | 80.0% | — |
| 营业利润率 | 41.1% | — |
| 净利率 | 23.5% | 41.3% |
| 营收同比 | 0.1% | — |
| 净利润同比 | 13.5% | 42.0% |
| 每股收益（稀释后） | $1.06 | $0.87 |
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CCSIFSBC
| Q1 26 | — | $45.1M | ||
| Q4 25 | $87.1M | $43.5M | ||
| Q3 25 | $87.8M | $41.3M | ||
| Q2 25 | $87.7M | $38.3M | ||
| Q1 25 | $87.1M | $35.3M | ||
| Q4 24 | $87.0M | $35.2M | ||
| Q3 24 | $87.8M | $31.8M | ||
| Q2 24 | $87.5M | $30.7M |
净利润CCSIFSBC
| Q1 26 | — | $18.6M | ||
| Q4 25 | $20.5M | $17.6M | ||
| Q3 25 | $22.1M | $16.3M | ||
| Q2 25 | $20.8M | $14.5M | ||
| Q1 25 | $21.2M | $13.1M | ||
| Q4 24 | $18.1M | $13.3M | ||
| Q3 24 | $21.1M | $10.9M | ||
| Q2 24 | $23.9M | $10.8M |
毛利率CCSIFSBC
| Q1 26 | — | — | ||
| Q4 25 | 80.0% | — | ||
| Q3 25 | 80.0% | — | ||
| Q2 25 | 79.9% | — | ||
| Q1 25 | 79.3% | — | ||
| Q4 24 | 79.5% | — | ||
| Q3 24 | 79.9% | — | ||
| Q2 24 | 80.4% | — |
营业利润率CCSIFSBC
| Q1 26 | — | — | ||
| Q4 25 | 41.1% | 52.9% | ||
| Q3 25 | 43.2% | 53.8% | ||
| Q2 25 | 44.5% | 52.4% | ||
| Q1 25 | 43.0% | 52.0% | ||
| Q4 24 | 38.4% | 55.1% | ||
| Q3 24 | 43.8% | 48.0% | ||
| Q2 24 | 45.6% | 49.4% |
净利率CCSIFSBC
| Q1 26 | — | 41.3% | ||
| Q4 25 | 23.5% | 40.6% | ||
| Q3 25 | 25.2% | 39.6% | ||
| Q2 25 | 23.7% | 37.9% | ||
| Q1 25 | 24.3% | 37.1% | ||
| Q4 24 | 20.8% | 37.9% | ||
| Q3 24 | 24.1% | 34.4% | ||
| Q2 24 | 27.3% | 35.2% |
每股收益（稀释后）CCSIFSBC
| Q1 26 | — | $0.87 | ||
| Q4 25 | $1.06 | $0.83 | ||
| Q3 25 | $1.15 | $0.77 | ||
| Q2 25 | $1.07 | $0.68 | ||
| Q1 25 | $1.07 | $0.62 | ||
| Q4 24 | $0.92 | $0.61 | ||
| Q3 24 | $1.09 | $0.52 | ||
| Q2 24 | $1.24 | $0.51 |
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 | $74.7M | $644.4M |
| 总债务越低越好 | $558.4M | — |
| 股东权益账面价值 | $13.8M | $458.5M |
| 总资产 | $663.8M | $5.0B |
| 负债/权益比越低杠杆越低 | 40.54× | — |
8季度趋势，按日历期对齐
现金及短期投资CCSIFSBC
| Q1 26 | — | $644.4M | ||
| Q4 25 | $74.7M | — | ||
| Q3 25 | $97.6M | — | ||
| Q2 25 | $57.9M | — | ||
| Q1 25 | $53.4M | — | ||
| Q4 24 | $33.5M | — | ||
| Q3 24 | $54.6M | — | ||
| Q2 24 | $49.2M | — |
总债务CCSIFSBC
| Q1 26 | — | — | ||
| Q4 25 | $558.4M | — | ||
| Q3 25 | $578.6M | — | ||
| Q2 25 | $578.2M | — | ||
| Q1 25 | $583.7M | — | ||
| Q4 24 | $593.0M | — | ||
| Q3 24 | $612.5M | — | ||
| Q2 24 | $642.8M | — |
股东权益CCSIFSBC
| Q1 26 | — | $458.5M | ||
| Q4 25 | $13.8M | $445.8M | ||
| Q3 25 | $-2.6M | $431.3M | ||
| Q2 25 | $-26.5M | $416.7M | ||
| Q1 25 | $-49.4M | $406.5M | ||
| Q4 24 | $-79.5M | $396.6M | ||
| Q3 24 | $-93.2M | $389.9M | ||
| Q2 24 | $-124.4M | $380.5M |
总资产CCSIFSBC
| Q1 26 | — | $5.0B | ||
| Q4 25 | $663.8M | $4.8B | ||
| Q3 25 | $675.0M | $4.6B | ||
| Q2 25 | $641.5M | $4.4B | ||
| Q1 25 | $629.6M | $4.2B | ||
| Q4 24 | $602.2M | $4.1B | ||
| Q3 24 | $622.5M | $3.9B | ||
| Q2 24 | $608.5M | $3.6B |
负债/权益比CCSIFSBC
| Q1 26 | — | — | ||
| Q4 25 | 40.54× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | $15.2M | — |
| 自由现金流经营现金流 - 资本支出 | $7.3M | — |
| 自由现金流率自由现金流/营收 | 8.4% | — |
| 资本支出强度资本支出/营收 | 9.1% | — |
| 现金转化率经营现金流/净利润 | 0.74× | — |
| 过去12个月自由现金流最近4个季度 | $105.9M | — |
8季度趋势，按日历期对齐
经营现金流CCSIFSBC
| Q1 26 | — | — | ||
| Q4 25 | $15.2M | $72.6M | ||
| Q3 25 | $51.6M | $18.8M | ||
| Q2 25 | $28.3M | $17.8M | ||
| Q1 25 | $40.9M | $15.5M | ||
| Q4 24 | $11.1M | $51.8M | ||
| Q3 24 | $41.6M | $17.5M | ||
| Q2 24 | $24.4M | $16.0M |
自由现金流CCSIFSBC
| Q1 26 | — | — | ||
| Q4 25 | $7.3M | $71.4M | ||
| Q3 25 | $44.4M | $18.6M | ||
| Q2 25 | $20.3M | $17.5M | ||
| Q1 25 | $33.7M | $15.4M | ||
| Q4 24 | $3.1M | $51.2M | ||
| Q3 24 | $33.6M | $17.3M | ||
| Q2 24 | $15.8M | $15.8M |
自由现金流率CCSIFSBC
| Q1 26 | — | — | ||
| Q4 25 | 8.4% | 164.3% | ||
| Q3 25 | 50.6% | 45.0% | ||
| Q2 25 | 23.2% | 45.8% | ||
| Q1 25 | 38.7% | 43.5% | ||
| Q4 24 | 3.6% | 145.5% | ||
| Q3 24 | 38.3% | 54.5% | ||
| Q2 24 | 18.1% | 51.6% |
资本支出强度CCSIFSBC
| Q1 26 | — | — | ||
| Q4 25 | 9.1% | 2.8% | ||
| Q3 25 | 8.2% | 0.5% | ||
| Q2 25 | 9.1% | 0.6% | ||
| Q1 25 | 8.3% | 0.3% | ||
| Q4 24 | 9.2% | 1.8% | ||
| Q3 24 | 9.1% | 0.7% | ||
| Q2 24 | 9.8% | 0.7% |
现金转化率CCSIFSBC
| Q1 26 | — | — | ||
| Q4 25 | 0.74× | 4.12× | ||
| Q3 25 | 2.34× | 1.15× | ||
| Q2 25 | 1.36× | 1.23× | ||
| Q1 25 | 1.94× | 1.18× | ||
| Q4 24 | 0.62× | 3.89× | ||
| Q3 24 | 1.97× | 1.60× | ||
| Q2 24 | 1.02× | 1.49× |
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
CCSI
暂无分部数据
FSBC
| Net Interest Income | $43.5M | 96% |
| Noninterest Income | $1.6M | 4% |
