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Consensus Cloud Solutions, Inc.（CCSI）与MERCANTILE BANK CORP（MBWM）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MERCANTILE BANK CORP的1.3倍（$87.1M vs $67.6M），MERCANTILE BANK CORP净利率更高（33.6% vs 23.5%，领先10.0%），过去两年MERCANTILE BANK CORP的营收复合增速更高（9.1% 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。
泰米尔纳德商业银行（TMB）是一家印度银行，总部位于泰米尔纳德邦杜蒂戈林。该行始建于1921年，最初名为纳达尔银行，1962年11月更名为泰米尔纳德商业银行，以拓展纳达尔社群以外的业务。目前该银行在印度全境拥有600家全功能网点、12个区域办事处及各类配套服务中心与自助设施。
CCSI vs MBWM — 直观对比
营收规模更大
CCSI
是对方的1.3倍
$67.6M
净利率更高
MBWM
高出10.0%
23.5%
两年增速更快
MBWM
近两年复合增速
-0.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $87.1M | $67.6M |
| 净利润 | $20.5M | $22.7M |
| 毛利率 | 80.0% | — |
| 营业利润率 | 41.1% | — |
| 净利率 | 23.5% | 33.6% |
| 营收同比 | 0.1% | — |
| 净利润同比 | 13.5% | 16.1% |
| 每股收益（稀释后） | $1.06 | $1.32 |
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CCSIMBWM
| Q1 26 | — | $67.6M | ||
| Q4 25 | $87.1M | $62.1M | ||
| Q3 25 | $87.8M | $62.4M | ||
| Q2 25 | $87.7M | $60.9M | ||
| Q1 25 | $87.1M | $57.3M | ||
| Q4 24 | $87.0M | $58.5M | ||
| Q3 24 | $87.8M | $58.0M | ||
| Q2 24 | $87.5M | $56.8M |
净利润CCSIMBWM
| Q1 26 | — | $22.7M | ||
| Q4 25 | $20.5M | $22.8M | ||
| Q3 25 | $22.1M | $23.8M | ||
| Q2 25 | $20.8M | $22.6M | ||
| Q1 25 | $21.2M | $19.5M | ||
| Q4 24 | $18.1M | $19.6M | ||
| Q3 24 | $21.1M | $19.6M | ||
| Q2 24 | $23.9M | $18.8M |
毛利率CCSIMBWM
| 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CCSIMBWM
| Q1 26 | — | — | ||
| Q4 25 | 41.1% | 42.0% | ||
| Q3 25 | 43.2% | 44.0% | ||
| Q2 25 | 44.5% | 42.6% | ||
| Q1 25 | 43.0% | 42.0% | ||
| Q4 24 | 38.4% | 39.7% | ||
| Q3 24 | 43.8% | 42.4% | ||
| Q2 24 | 45.6% | 41.4% |
净利率CCSIMBWM
| Q1 26 | — | 33.6% | ||
| Q4 25 | 23.5% | 36.8% | ||
| Q3 25 | 25.2% | 38.1% | ||
| Q2 25 | 23.7% | 37.1% | ||
| Q1 25 | 24.3% | 34.1% | ||
| Q4 24 | 20.8% | 33.5% | ||
| Q3 24 | 24.1% | 33.8% | ||
| Q2 24 | 27.3% | 33.1% |
每股收益（稀释后）CCSIMBWM
| Q1 26 | — | $1.32 | ||
| Q4 25 | $1.06 | $1.41 | ||
| Q3 25 | $1.15 | $1.46 | ||
| Q2 25 | $1.07 | $1.39 | ||
| Q1 25 | $1.07 | $1.21 | ||
| Q4 24 | $0.92 | $1.20 | ||
| Q3 24 | $1.09 | $1.22 | ||
| Q2 24 | $1.24 | $1.17 |
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 | — |
| 总债务越低越好 | $558.4M | $1.5M |
| 股东权益账面价值 | $13.8M | $736.9M |
| 总资产 | $663.8M | $6.9B |
| 负债/权益比越低杠杆越低 | 40.54× | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资CCSIMBWM
| Q1 26 | — | — | ||
| 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CCSIMBWM
| Q1 26 | — | $1.5M | ||
| 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CCSIMBWM
| Q1 26 | — | $736.9M | ||
| Q4 25 | $13.8M | $724.9M | ||
| Q3 25 | $-2.6M | $657.6M | ||
| Q2 25 | $-26.5M | $631.5M | ||
| Q1 25 | $-49.4M | $608.3M | ||
| Q4 24 | $-79.5M | $584.5M | ||
| Q3 24 | $-93.2M | $583.3M | ||
| Q2 24 | $-124.4M | $551.2M |
总资产CCSIMBWM
| Q1 26 | — | $6.9B | ||
| Q4 25 | $663.8M | $6.8B | ||
| Q3 25 | $675.0M | $6.3B | ||
| Q2 25 | $641.5M | $6.2B | ||
| Q1 25 | $629.6M | $6.1B | ||
| Q4 24 | $602.2M | $6.1B | ||
| Q3 24 | $622.5M | $5.9B | ||
| Q2 24 | $608.5M | $5.6B |
负债/权益比CCSIMBWM
| Q1 26 | — | 0.00× | ||
| 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CCSIMBWM
| Q1 26 | — | — | ||
| Q4 25 | $15.2M | $18.0M | ||
| Q3 25 | $51.6M | $23.1M | ||
| Q2 25 | $28.3M | $-7.8M | ||
| Q1 25 | $40.9M | $-3.0M | ||
| Q4 24 | $11.1M | $101.1M | ||
| Q3 24 | $41.6M | $-8.1M | ||
| Q2 24 | $24.4M | $9.1M |
自由现金流CCSIMBWM
| Q1 26 | — | — | ||
| Q4 25 | $7.3M | — | ||
| Q3 25 | $44.4M | — | ||
| Q2 25 | $20.3M | — | ||
| Q1 25 | $33.7M | — | ||
| Q4 24 | $3.1M | — | ||
| Q3 24 | $33.6M | — | ||
| Q2 24 | $15.8M | — |
自由现金流率CCSIMBWM
| Q1 26 | — | — | ||
| Q4 25 | 8.4% | — | ||
| Q3 25 | 50.6% | — | ||
| Q2 25 | 23.2% | — | ||
| Q1 25 | 38.7% | — | ||
| Q4 24 | 3.6% | — | ||
| Q3 24 | 38.3% | — | ||
| Q2 24 | 18.1% | — |
资本支出强度CCSIMBWM
| Q1 26 | — | — | ||
| Q4 25 | 9.1% | — | ||
| Q3 25 | 8.2% | — | ||
| Q2 25 | 9.1% | — | ||
| Q1 25 | 8.3% | — | ||
| Q4 24 | 9.2% | — | ||
| Q3 24 | 9.1% | — | ||
| Q2 24 | 9.8% | — |
现金转化率CCSIMBWM
| Q1 26 | — | — | ||
| Q4 25 | 0.74× | 0.79× | ||
| Q3 25 | 2.34× | 0.97× | ||
| Q2 25 | 1.36× | -0.35× | ||
| Q1 25 | 1.94× | -0.15× | ||
| Q4 24 | 0.62× | 5.15× | ||
| Q3 24 | 1.97× | -0.41× | ||
| Q2 24 | 1.02× | 0.49× |
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
MBWM
| Net Interest Income | $55.9M | 83% |
| Noninterest Income | $11.7M | 17% |
