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Cadre Holdings, Inc.（CDRE）与合众银行（OSBC）财务数据对比。点击上方公司名可切换其他公司
Cadre Holdings, Inc.的季度营收约是合众银行的1.8倍（$167.2M vs $93.8M），合众银行净利率更高（27.3% vs 7.0%，领先20.3%），过去两年合众银行的营收复合增速更高（15.1% vs 10.1%）
Cadre Holdings, Inc.是美国金融科技企业，面向个人及机构客户提供房地产投资项目直投渠道，覆盖纽约等地的商业地产。公司打造的投资平台支持投资者自主选择参与的具体交易项目，且投资门槛远低于全额收购物业所需资金，让不动产投资变得更接近股票交易，获得财经媒体的广泛认可。
合众银行是一家总部位于美国明尼阿波利斯、在特拉华州注册的美国跨国银行机构。截至2025年，它是美国第五大银行，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金融机构，主营银行、投资、抵押等金融服务。
CDRE vs OSBC — 直观对比
营收规模更大
CDRE
是对方的1.8倍
$93.8M
净利率更高
OSBC
高出20.3%
7.0%
两年增速更快
OSBC
近两年复合增速
10.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $167.2M | $93.8M |
| 净利润 | $11.7M | $25.6M |
| 毛利率 | 43.4% | — |
| 营业利润率 | 12.2% | — |
| 净利率 | 7.0% | 27.3% |
| 营收同比 | -5.0% | — |
| 净利润同比 | -9.6% | 159.2% |
| 每股收益（稀释后） | $0.22 | $0.48 |
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CDREOSBC
| Q1 26 | — | $93.8M | ||
| Q4 25 | $167.2M | $95.2M | ||
| Q3 25 | $155.9M | $95.9M | ||
| Q2 25 | $157.1M | $75.1M | ||
| Q1 25 | $130.1M | $73.1M | ||
| Q4 24 | $176.0M | $73.2M | ||
| Q3 24 | $109.4M | $71.2M | ||
| Q2 24 | $144.3M | $70.8M |
净利润CDREOSBC
| Q1 26 | — | $25.6M | ||
| Q4 25 | $11.7M | — | ||
| Q3 25 | $10.9M | $9.9M | ||
| Q2 25 | $12.2M | $21.8M | ||
| Q1 25 | $9.2M | $19.8M | ||
| Q4 24 | $13.0M | — | ||
| Q3 24 | $3.7M | $23.0M | ||
| Q2 24 | $12.6M | $21.9M |
毛利率CDREOSBC
| Q1 26 | — | — | ||
| Q4 25 | 43.4% | — | ||
| Q3 25 | 42.7% | — | ||
| Q2 25 | 40.9% | — | ||
| Q1 25 | 43.1% | — | ||
| Q4 24 | 43.9% | — | ||
| Q3 24 | 36.6% | — | ||
| Q2 24 | 40.6% | — |
营业利润率CDREOSBC
| Q1 26 | — | — | ||
| Q4 25 | 12.2% | 41.2% | ||
| Q3 25 | 12.0% | 13.6% | ||
| Q2 25 | 9.3% | 38.9% | ||
| Q1 25 | 10.4% | 35.8% | ||
| Q4 24 | 16.7% | 34.7% | ||
| Q3 24 | 5.0% | 41.9% | ||
| Q2 24 | 13.8% | 41.2% |
净利率CDREOSBC
| Q1 26 | — | 27.3% | ||
| Q4 25 | 7.0% | — | ||
| Q3 25 | 7.0% | 10.3% | ||
| Q2 25 | 7.8% | 29.0% | ||
| Q1 25 | 7.1% | 27.1% | ||
| Q4 24 | 7.4% | — | ||
| Q3 24 | 3.3% | 32.3% | ||
| Q2 24 | 8.7% | 30.9% |
每股收益（稀释后）CDREOSBC
| Q1 26 | — | $0.48 | ||
| Q4 25 | $0.22 | $0.53 | ||
| Q3 25 | $0.27 | $0.18 | ||
| Q2 25 | $0.30 | $0.48 | ||
| Q1 25 | $0.23 | $0.43 | ||
| Q4 24 | $0.32 | $0.42 | ||
| Q3 24 | $0.09 | $0.50 | ||
| Q2 24 | $0.31 | $0.48 |
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 | $122.9M | $115.7M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $317.8M | $893.3M |
| 总资产 | $770.0M | $6.8B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资CDREOSBC
| Q1 26 | — | $115.7M | ||
| Q4 25 | $122.9M | $124.0M | ||
| Q3 25 | $150.9M | $116.5M | ||
| Q2 25 | $137.5M | $141.8M | ||
| Q1 25 | $133.4M | $256.1M | ||
| Q4 24 | $124.9M | $99.3M | ||
| Q3 24 | $93.0M | $115.8M | ||
| Q2 24 | $105.9M | $120.9M |
股东权益CDREOSBC
| Q1 26 | — | $893.3M | ||
| Q4 25 | $317.8M | $896.8M | ||
| Q3 25 | $340.4M | $866.7M | ||
| Q2 25 | $332.5M | $718.6M | ||
| Q1 25 | $317.6M | $694.5M | ||
| Q4 24 | $311.5M | $671.0M | ||
| Q3 24 | $300.3M | $661.4M | ||
| Q2 24 | $299.4M | $619.3M |
总资产CDREOSBC
| Q1 26 | — | $6.8B | ||
| Q4 25 | $770.0M | $6.9B | ||
| Q3 25 | $792.1M | $7.0B | ||
| Q2 25 | $794.4M | $5.7B | ||
| Q1 25 | $656.3M | $5.7B | ||
| Q4 24 | $652.7M | $5.6B | ||
| Q3 24 | $616.6M | $5.7B | ||
| Q2 24 | $620.6M | $5.7B |
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 | $21.3M | — |
| 自由现金流经营现金流 - 资本支出 | $18.0M | — |
| 自由现金流率自由现金流/营收 | 10.7% | — |
| 资本支出强度资本支出/营收 | 2.0% | — |
| 现金转化率经营现金流/净利润 | 1.81× | — |
| 过去12个月自由现金流最近4个季度 | $56.8M | — |
8季度趋势，按日历期对齐
经营现金流CDREOSBC
| Q1 26 | — | — | ||
| Q4 25 | $21.3M | $122.3M | ||
| Q3 25 | $22.5M | $35.9M | ||
| Q2 25 | $2.6M | $24.2M | ||
| Q1 25 | $17.4M | $17.8M | ||
| Q4 24 | $23.7M | $131.5M | ||
| Q3 24 | $-5.2M | $48.5M | ||
| Q2 24 | $11.1M | $11.6M |
自由现金流CDREOSBC
| Q1 26 | — | — | ||
| Q4 25 | $18.0M | $117.8M | ||
| Q3 25 | $21.6M | $34.7M | ||
| Q2 25 | $1.2M | $23.5M | ||
| Q1 25 | $16.1M | $16.2M | ||
| Q4 24 | $22.4M | $120.7M | ||
| Q3 24 | $-6.2M | $46.2M | ||
| Q2 24 | $9.1M | $8.7M |
自由现金流率CDREOSBC
| Q1 26 | — | — | ||
| Q4 25 | 10.7% | 123.7% | ||
| Q3 25 | 13.9% | 36.2% | ||
| Q2 25 | 0.7% | 31.2% | ||
| Q1 25 | 12.4% | 22.2% | ||
| Q4 24 | 12.7% | 165.0% | ||
| Q3 24 | -5.7% | 64.9% | ||
| Q2 24 | 6.3% | 12.3% |
资本支出强度CDREOSBC
| Q1 26 | — | — | ||
| Q4 25 | 2.0% | 4.7% | ||
| Q3 25 | 0.5% | 1.3% | ||
| Q2 25 | 0.9% | 1.1% | ||
| Q1 25 | 1.0% | 2.2% | ||
| Q4 24 | 0.7% | 14.7% | ||
| Q3 24 | 0.9% | 3.3% | ||
| Q2 24 | 1.4% | 4.2% |
现金转化率CDREOSBC
| Q1 26 | — | — | ||
| Q4 25 | 1.81× | — | ||
| Q3 25 | 2.05× | 3.64× | ||
| Q2 25 | 0.21× | 1.11× | ||
| Q1 25 | 1.88× | 0.90× | ||
| Q4 24 | 1.83× | — | ||
| Q3 24 | -1.43× | 2.11× | ||
| Q2 24 | 0.89× | 0.53× |
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
CDRE
| U.s.state And Local Agencies | $72.7M | 43% |
| Other | $48.6M | 29% |
| U.s.Federal Agencies | $31.6M | 19% |
| Commercial | $12.0M | 7% |
OSBC
| Net Interest Income | $81.1M | 87% |
| Noninterest Income | $12.6M | 13% |
