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CF BANKSHARES INC.（CFBK）与林德（LIN）财务数据对比。点击上方公司名可切换其他公司
林德的季度营收约是CF BANKSHARES INC.的557.7倍（$8.8B vs $15.7M），CF BANKSHARES INC.同比增速更快（12.6% vs 8.2%），CF BANKSHARES INC.自由现金流更多（$18.2M vs $898.0K），过去两年CF BANKSHARES INC.的营收复合增速更高（13.7% vs 3.1%）
CF BANKSHARES INC.是一家美国区域性银行控股企业，通过旗下社区银行子公司运营，提供全方位个人及商业银行解决方案，包括存款产品、各类贷款、财富管理服务及数字银行工具，主要服务美国中西部地区的个人消费者和中小企客户。
林德是全球知名跨国化工企业，按市场份额及营收计为全球最大工业气体供应商。公司1879年由德国科学家、工程师卡尔·冯·林德在德国威斯巴登创立，现总部位于英国沃金，在爱尔兰注册，2018年由原林德股份公司与1907年在美国成立的普莱克斯合并组建。
CFBK vs LIN — 直观对比
营收规模更大
LIN
是对方的557.7倍
$15.7M
营收增速更快
CFBK
高出4.4%
8.2%
自由现金流更多
CFBK
多$17.3M
$898.0K
两年增速更快
CFBK
近两年复合增速
3.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $15.7M | $8.8B |
| 净利润 | $5.7M | — |
| 毛利率 | — | 48.5% |
| 营业利润率 | 43.4% | 27.8% |
| 净利率 | 40.0% | — |
| 营收同比 | 12.6% | 8.2% |
| 净利润同比 | 29.9% | — |
| 每股收益（稀释后） | $0.88 | $3.98 |
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CFBKLIN
| Q1 26 | — | $8.8B | ||
| Q4 25 | $15.7M | $8.8B | ||
| Q3 25 | $15.5M | $8.6B | ||
| Q2 25 | $15.6M | $8.5B | ||
| Q1 25 | $14.1M | $8.1B | ||
| Q4 24 | $14.0M | $8.3B | ||
| Q3 24 | $13.1M | $8.4B | ||
| Q2 24 | $12.6M | $8.3B |
净利润CFBKLIN
| Q1 26 | — | — | ||
| Q4 25 | $5.7M | $1.5B | ||
| Q3 25 | $2.3M | $1.9B | ||
| Q2 25 | $5.0M | $1.8B | ||
| Q1 25 | $4.4M | $1.7B | ||
| Q4 24 | $4.4M | $1.7B | ||
| Q3 24 | $4.2M | $1.6B | ||
| Q2 24 | $1.7M | $1.7B |
毛利率CFBKLIN
| Q1 26 | — | 48.5% | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
营业利润率CFBKLIN
| Q1 26 | — | 27.8% | ||
| Q4 25 | 43.4% | 23.0% | ||
| Q3 25 | 17.5% | 27.5% | ||
| Q2 25 | 41.1% | 27.7% | ||
| Q1 25 | 39.5% | 26.9% | ||
| Q4 24 | 36.9% | 27.4% | ||
| Q3 24 | 40.4% | 25.0% | ||
| Q2 24 | 15.4% | 26.4% |
净利率CFBKLIN
| Q1 26 | — | — | ||
| Q4 25 | 40.0% | 17.5% | ||
| Q3 25 | 15.1% | 22.4% | ||
| Q2 25 | 32.3% | 20.8% | ||
| Q1 25 | 31.4% | 20.6% | ||
| Q4 24 | 35.2% | 20.8% | ||
| Q3 24 | 32.2% | 18.5% | ||
| Q2 24 | 13.5% | 20.1% |
每股收益（稀释后）CFBKLIN
| Q1 26 | — | $3.98 | ||
| Q4 25 | $0.88 | $3.28 | ||
| Q3 25 | $0.36 | $4.09 | ||
| Q2 25 | $0.77 | $3.73 | ||
| Q1 25 | $0.68 | $3.51 | ||
| Q4 24 | $0.68 | $3.61 | ||
| Q3 24 | $0.65 | $3.22 | ||
| Q2 24 | $0.26 | $3.44 |
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 | $259.0M | $4.0B |
| 总债务越低越好 | — | $24.7B |
| 股东权益账面价值 | $184.4M | $40.1B |
| 总资产 | $2.1B | $86.3B |
| 负债/权益比越低杠杆越低 | — | 0.62× |
8季度趋势，按日历期对齐
现金及短期投资CFBKLIN
| Q1 26 | — | $4.0B | ||
| Q4 25 | $259.0M | $5.1B | ||
| Q3 25 | $272.4M | $4.5B | ||
| Q2 25 | $275.7M | $4.8B | ||
| Q1 25 | $241.0M | $5.3B | ||
| Q4 24 | $235.3M | $4.8B | ||
| Q3 24 | $233.5M | $5.2B | ||
| Q2 24 | $241.8M | $4.6B |
总债务CFBKLIN
| Q1 26 | — | $24.7B | ||
| Q4 25 | — | $20.7B | ||
| Q3 25 | — | $18.6B | ||
| Q2 25 | — | $19.7B | ||
| Q1 25 | — | $17.6B | ||
| Q4 24 | — | $15.3B | ||
| Q3 24 | — | $17.5B | ||
| Q2 24 | — | $16.9B |
股东权益CFBKLIN
| Q1 26 | — | $40.1B | ||
| Q4 25 | $184.4M | $38.2B | ||
| Q3 25 | $179.3M | $38.6B | ||
| Q2 25 | $177.0M | $38.5B | ||
| Q1 25 | $172.7M | $38.0B | ||
| Q4 24 | $168.4M | $38.1B | ||
| Q3 24 | $164.0M | $39.2B | ||
| Q2 24 | $159.6M | $38.2B |
总资产CFBKLIN
| Q1 26 | — | $86.3B | ||
| Q4 25 | $2.1B | $86.8B | ||
| Q3 25 | $2.1B | $86.0B | ||
| Q2 25 | $2.1B | $86.1B | ||
| Q1 25 | $2.1B | $82.7B | ||
| Q4 24 | $2.1B | $80.1B | ||
| Q3 24 | $2.1B | $82.5B | ||
| Q2 24 | $2.0B | $80.2B |
负债/权益比CFBKLIN
| Q1 26 | — | 0.62× | ||
| Q4 25 | — | 0.54× | ||
| Q3 25 | — | 0.48× | ||
| Q2 25 | — | 0.51× | ||
| Q1 25 | — | 0.46× | ||
| Q4 24 | — | 0.40× | ||
| Q3 24 | — | 0.45× | ||
| Q2 24 | — | 0.44× |
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 | $18.7M | — |
| 自由现金流经营现金流 - 资本支出 | $18.2M | $898.0K |
| 自由现金流率自由现金流/营收 | 115.6% | 0.0% |
| 资本支出强度资本支出/营收 | 3.1% | — |
| 现金转化率经营现金流/净利润 | 3.26× | — |
| 过去12个月自由现金流最近4个季度 | $33.4M | $4.2B |
8季度趋势，按日历期对齐
经营现金流CFBKLIN
| Q1 26 | — | — | ||
| Q4 25 | $18.7M | $3.0B | ||
| Q3 25 | $5.5M | $2.9B | ||
| Q2 25 | $8.0M | $2.2B | ||
| Q1 25 | $2.2M | $2.2B | ||
| Q4 24 | $14.2M | $2.8B | ||
| Q3 24 | $-1.3M | $2.7B | ||
| Q2 24 | $4.0M | $1.9B |
自由现金流CFBKLIN
| Q1 26 | — | $898.0K | ||
| Q4 25 | $18.2M | $1.6B | ||
| Q3 25 | $5.2M | $1.7B | ||
| Q2 25 | $7.8M | $954.0M | ||
| Q1 25 | $2.2M | $891.0M | ||
| Q4 24 | $13.9M | $1.6B | ||
| Q3 24 | $-1.3M | $1.7B | ||
| Q2 24 | $4.0M | $796.0M |
自由现金流率CFBKLIN
| Q1 26 | — | 0.0% | ||
| Q4 25 | 115.6% | 17.9% | ||
| Q3 25 | 33.6% | 19.4% | ||
| Q2 25 | 50.3% | 11.2% | ||
| Q1 25 | 15.2% | 11.0% | ||
| Q4 24 | 99.6% | 18.8% | ||
| Q3 24 | -9.9% | 19.9% | ||
| Q2 24 | 31.6% | 9.6% |
资本支出强度CFBKLIN
| Q1 26 | — | — | ||
| Q4 25 | 3.1% | 16.6% | ||
| Q3 25 | 1.7% | 14.8% | ||
| Q2 25 | 0.7% | 14.8% | ||
| Q1 25 | 0.4% | 15.7% | ||
| Q4 24 | 1.9% | 15.1% | ||
| Q3 24 | 0.2% | 12.8% | ||
| Q2 24 | 0.1% | 13.7% |
现金转化率CFBKLIN
| Q1 26 | — | — | ||
| Q4 25 | 3.26× | 1.98× | ||
| Q3 25 | 2.34× | 1.53× | ||
| Q2 25 | 1.58× | 1.25× | ||
| Q1 25 | 0.50× | 1.29× | ||
| Q4 24 | 3.21× | 1.63× | ||
| Q3 24 | -0.30× | 1.76× | ||
| Q2 24 | 2.35× | 1.16× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
