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Consensus Cloud Solutions, Inc.（CCSI）与Merchants Bancorp（MBIN）财务数据对比。点击上方公司名可切换其他公司
Merchants Bancorp的季度营收约是Consensus Cloud Solutions, Inc.的2.0倍（$175.2M vs $88.5M），Merchants Bancorp净利率更高（38.6% vs 27.9%，领先10.7%），过去两年Merchants Bancorp的营收复合增速更高（4.8% 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。
Ameris Bancorp是总部位于美国佐治亚州亚特兰大的银行控股企业，旗下设有Ameris Bank子公司，在佐治亚州、阿拉巴马州、佛罗里达州、北卡罗来纳州、南卡罗来纳州运营全服务网点，同时在上述五州及弗吉尼亚州、马里兰州、田纳西州设立仅办理抵押贷款业务的网点，为个人和企业客户提供线上及移动端银行服务。
CCSI vs MBIN — 直观对比
营收规模更大
MBIN
是对方的2.0倍
$88.5M
净利率更高
MBIN
高出10.7%
27.9%
两年增速更快
MBIN
近两年复合增速
0.6%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $88.5M | $175.2M |
| 净利润 | $24.7M | $67.7M |
| 毛利率 | 80.9% | — |
| 营业利润率 | 42.7% | — |
| 净利率 | 27.9% | 38.6% |
| 营收同比 | 1.5% | — |
| 净利润同比 | 16.7% | 16.3% |
| 每股收益（稀释后） | $1.30 | $1.25 |
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CCSIMBIN
| Q1 26 | $88.5M | $175.2M | ||
| Q4 25 | $87.1M | $185.3M | ||
| Q3 25 | $87.8M | $171.1M | ||
| Q2 25 | $87.7M | $179.2M | ||
| Q1 25 | $87.1M | $145.9M | ||
| Q4 24 | $87.0M | $193.8M | ||
| Q3 24 | $87.8M | $149.6M | ||
| Q2 24 | $87.5M | $159.5M |
净利润CCSIMBIN
| Q1 26 | $24.7M | $67.7M | ||
| Q4 25 | $20.5M | — | ||
| Q3 25 | $22.1M | $54.7M | ||
| Q2 25 | $20.8M | $38.0M | ||
| Q1 25 | $21.2M | $58.2M | ||
| Q4 24 | $18.1M | — | ||
| Q3 24 | $21.1M | $61.3M | ||
| Q2 24 | $23.9M | $76.4M |
毛利率CCSIMBIN
| Q1 26 | 80.9% | — | ||
| 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CCSIMBIN
| Q1 26 | 42.7% | — | ||
| Q4 25 | 41.1% | 39.9% | ||
| Q3 25 | 43.2% | 37.8% | ||
| Q2 25 | 44.5% | 27.3% | ||
| Q1 25 | 43.0% | 52.4% | ||
| Q4 24 | 38.4% | 66.0% | ||
| Q3 24 | 43.8% | 54.4% | ||
| Q2 24 | 45.6% | 62.2% |
净利率CCSIMBIN
| Q1 26 | 27.9% | 38.6% | ||
| Q4 25 | 23.5% | — | ||
| Q3 25 | 25.2% | 32.0% | ||
| Q2 25 | 23.7% | 21.2% | ||
| Q1 25 | 24.3% | 39.9% | ||
| Q4 24 | 20.8% | — | ||
| Q3 24 | 24.1% | 41.0% | ||
| Q2 24 | 27.3% | 47.9% |
每股收益（稀释后）CCSIMBIN
| Q1 26 | $1.30 | $1.25 | ||
| Q4 25 | $1.06 | $1.28 | ||
| Q3 25 | $1.15 | $0.97 | ||
| Q2 25 | $1.07 | $0.60 | ||
| Q1 25 | $1.07 | $0.93 | ||
| Q4 24 | $0.92 | $1.84 | ||
| Q3 24 | $1.09 | $1.17 | ||
| Q2 24 | $1.24 | $1.49 |
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 | $92.3M | $83.2M |
| 总债务越低越好 | $556.8M | $32.0M |
| 股东权益账面价值 | $22.0M | $2.3B |
| 总资产 | $678.7M | $20.3B |
| 负债/权益比越低杠杆越低 | 25.31× | 0.01× |
8季度趋势，按日历期对齐
现金及短期投资CCSIMBIN
| Q1 26 | $92.3M | $83.2M | ||
| 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CCSIMBIN
| Q1 26 | $556.8M | $32.0M | ||
| 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CCSIMBIN
| Q1 26 | $22.0M | $2.3B | ||
| Q4 25 | $13.8M | $2.3B | ||
| Q3 25 | $-2.6M | $2.2B | ||
| Q2 25 | $-26.5M | $2.2B | ||
| Q1 25 | $-49.4M | $2.2B | ||
| Q4 24 | $-79.5M | $2.2B | ||
| Q3 24 | $-93.2M | $1.9B | ||
| Q2 24 | $-124.4M | $1.9B |
总资产CCSIMBIN
| Q1 26 | $678.7M | $20.3B | ||
| Q4 25 | $663.8M | $19.4B | ||
| Q3 25 | $675.0M | $19.4B | ||
| Q2 25 | $641.5M | $19.1B | ||
| Q1 25 | $629.6M | $18.8B | ||
| Q4 24 | $602.2M | $18.8B | ||
| Q3 24 | $622.5M | $18.7B | ||
| Q2 24 | $608.5M | $18.2B |
负债/权益比CCSIMBIN
| Q1 26 | 25.31× | 0.01× | ||
| 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 | $45.8M | — |
| 自由现金流经营现金流 - 资本支出 | $38.5M | — |
| 自由现金流率自由现金流/营收 | 43.5% | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | 1.86× | — |
| 过去12个月自由现金流最近4个季度 | $110.6M | — |
8季度趋势，按日历期对齐
经营现金流CCSIMBIN
| Q1 26 | $45.8M | — | ||
| Q4 25 | $15.2M | $-341.2M | ||
| Q3 25 | $51.6M | $29.8M | ||
| Q2 25 | $28.3M | $-121.2M | ||
| Q1 25 | $40.9M | $148.0M | ||
| Q4 24 | $11.1M | $-835.3M | ||
| Q3 24 | $41.6M | $-492.6M | ||
| Q2 24 | $24.4M | $51.1M |
自由现金流CCSIMBIN
| Q1 26 | $38.5M | — | ||
| Q4 25 | $7.3M | $-362.2M | ||
| Q3 25 | $44.4M | $24.0M | ||
| Q2 25 | $20.3M | $-125.7M | ||
| Q1 25 | $33.7M | $141.2M | ||
| Q4 24 | $3.1M | $-853.7M | ||
| Q3 24 | $33.6M | $-497.2M | ||
| Q2 24 | $15.8M | $45.8M |
自由现金流率CCSIMBIN
| Q1 26 | 43.5% | — | ||
| Q4 25 | 8.4% | -195.5% | ||
| Q3 25 | 50.6% | 14.0% | ||
| Q2 25 | 23.2% | -70.1% | ||
| Q1 25 | 38.7% | 96.8% | ||
| Q4 24 | 3.6% | -440.6% | ||
| Q3 24 | 38.3% | -332.4% | ||
| Q2 24 | 18.1% | 28.7% |
资本支出强度CCSIMBIN
| Q1 26 | — | — | ||
| Q4 25 | 9.1% | 11.3% | ||
| Q3 25 | 8.2% | 3.4% | ||
| Q2 25 | 9.1% | 2.5% | ||
| Q1 25 | 8.3% | 4.7% | ||
| Q4 24 | 9.2% | 9.5% | ||
| Q3 24 | 9.1% | 3.0% | ||
| Q2 24 | 9.8% | 3.3% |
现金转化率CCSIMBIN
| Q1 26 | 1.86× | — | ||
| Q4 25 | 0.74× | — | ||
| Q3 25 | 2.34× | 0.54× | ||
| Q2 25 | 1.36× | -3.19× | ||
| Q1 25 | 1.94× | 2.54× | ||
| Q4 24 | 0.62× | — | ||
| Q3 24 | 1.97× | -8.04× | ||
| Q2 24 | 1.02× | 0.67× |
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
MBIN
| Net Interest Income | $128.6M | 73% |
| Noninterest Income | $46.6M | 27% |
