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CF BANKSHARES INC.（CFBK）与泛美白银（USAS）财务数据对比。点击上方公司名可切换其他公司
泛美白银的季度营收约是CF BANKSHARES INC.的1.2倍（$19.1M vs $15.7M），CF BANKSHARES INC.净利率更高（40.0% vs -82.3%，领先122.4%），CF BANKSHARES INC.同比增速更快（12.6% vs -28.0%），CF BANKSHARES INC.自由现金流更多（$18.2M vs $-41.3M）
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。
泛美白银是一家总部位于加拿大的矿业企业，业务布局集中在拉丁美洲，在墨西哥、秘鲁、玻利维亚、阿根廷多国持有运营矿山及其他矿产开发项目，是美洲地区重要的贵金属开采企业。
CFBK vs USAS — 直观对比
营收规模更大
USAS
是对方的1.2倍
$15.7M
营收增速更快
CFBK
高出40.7%
-28.0%
净利率更高
CFBK
高出122.4%
-82.3%
自由现金流更多
CFBK
多$59.5M
$-41.3M
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $15.7M | $19.1M |
| 净利润 | $5.7M | $-15.7M |
| 毛利率 | — | 34.2% |
| 营业利润率 | 43.4% | — |
| 净利率 | 40.0% | -82.3% |
| 营收同比 | 12.6% | -28.0% |
| 净利润同比 | 29.9% | 2.8% |
| 每股收益（稀释后） | $0.88 | — |
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CFBKUSAS
| Q4 25 | $15.7M | — | ||
| Q3 25 | $15.5M | $19.1M | ||
| Q2 25 | $15.6M | — | ||
| Q1 25 | $14.1M | — | ||
| Q4 24 | $14.0M | — | ||
| Q3 24 | $13.1M | $26.5M | ||
| Q2 24 | $12.6M | — | ||
| Q1 24 | $12.2M | — |
净利润CFBKUSAS
| Q4 25 | $5.7M | — | ||
| Q3 25 | $2.3M | $-15.7M | ||
| Q2 25 | $5.0M | — | ||
| Q1 25 | $4.4M | — | ||
| Q4 24 | $4.4M | — | ||
| Q3 24 | $4.2M | $-16.2M | ||
| Q2 24 | $1.7M | — | ||
| Q1 24 | $3.1M | — |
毛利率CFBKUSAS
| Q4 25 | — | — | ||
| Q3 25 | — | 34.2% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 23.6% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
营业利润率CFBKUSAS
| Q4 25 | 43.4% | — | ||
| Q3 25 | 17.5% | — | ||
| Q2 25 | 41.1% | — | ||
| Q1 25 | 39.5% | — | ||
| Q4 24 | 36.9% | — | ||
| Q3 24 | 40.4% | — | ||
| Q2 24 | 15.4% | — | ||
| Q1 24 | 30.9% | — |
净利率CFBKUSAS
| Q4 25 | 40.0% | — | ||
| Q3 25 | 15.1% | -82.3% | ||
| Q2 25 | 32.3% | — | ||
| Q1 25 | 31.4% | — | ||
| Q4 24 | 35.2% | — | ||
| Q3 24 | 32.2% | -60.9% | ||
| Q2 24 | 13.5% | — | ||
| Q1 24 | 25.2% | — |
每股收益（稀释后）CFBKUSAS
| Q4 25 | $0.88 | — | ||
| Q3 25 | $0.36 | — | ||
| Q2 25 | $0.77 | — | ||
| Q1 25 | $0.68 | — | ||
| Q4 24 | $0.68 | — | ||
| Q3 24 | $0.65 | — | ||
| Q2 24 | $0.26 | — | ||
| Q1 24 | $0.47 | — |
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 | $39.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $184.4M | $50.2M |
| 总资产 | $2.1B | $234.7M |
| 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CFBKUSAS
| Q4 25 | $259.0M | — | ||
| Q3 25 | $272.4M | $39.1M | ||
| Q2 25 | $275.7M | — | ||
| Q1 25 | $241.0M | — | ||
| Q4 24 | $235.3M | — | ||
| Q3 24 | $233.5M | — | ||
| Q2 24 | $241.8M | — | ||
| Q1 24 | $236.9M | — |
股东权益CFBKUSAS
| Q4 25 | $184.4M | — | ||
| Q3 25 | $179.3M | $50.2M | ||
| Q2 25 | $177.0M | — | ||
| Q1 25 | $172.7M | — | ||
| Q4 24 | $168.4M | — | ||
| Q3 24 | $164.0M | $53.1M | ||
| Q2 24 | $159.6M | — | ||
| Q1 24 | $158.0M | — |
总资产CFBKUSAS
| Q4 25 | $2.1B | — | ||
| Q3 25 | $2.1B | $234.7M | ||
| Q2 25 | $2.1B | — | ||
| Q1 25 | $2.1B | — | ||
| Q4 24 | $2.1B | — | ||
| Q3 24 | $2.1B | — | ||
| Q2 24 | $2.0B | — | ||
| Q1 24 | $2.0B | — |
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 | $-12.5M |
| 自由现金流经营现金流 - 资本支出 | $18.2M | $-41.3M |
| 自由现金流率自由现金流/营收 | 115.6% | -216.5% |
| 资本支出强度资本支出/营收 | 3.1% | 150.8% |
| 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 | — |
8季度趋势，按日历期对齐
经营现金流CFBKUSAS
| Q4 25 | $18.7M | — | ||
| Q3 25 | $5.5M | $-12.5M | ||
| Q2 25 | $8.0M | — | ||
| Q1 25 | $2.2M | — | ||
| Q4 24 | $14.2M | — | ||
| Q3 24 | $-1.3M | $2.4M | ||
| Q2 24 | $4.0M | — | ||
| Q1 24 | $-1.2M | — |
自由现金流CFBKUSAS
| Q4 25 | $18.2M | — | ||
| Q3 25 | $5.2M | $-41.3M | ||
| Q2 25 | $7.8M | — | ||
| Q1 25 | $2.2M | — | ||
| Q4 24 | $13.9M | — | ||
| Q3 24 | $-1.3M | $-11.2M | ||
| Q2 24 | $4.0M | — | ||
| Q1 24 | $-1.2M | — |
自由现金流率CFBKUSAS
| Q4 25 | 115.6% | — | ||
| Q3 25 | 33.6% | -216.5% | ||
| Q2 25 | 50.3% | — | ||
| Q1 25 | 15.2% | — | ||
| Q4 24 | 99.6% | — | ||
| Q3 24 | -9.9% | -42.2% | ||
| Q2 24 | 31.6% | — | ||
| Q1 24 | -9.5% | — |
资本支出强度CFBKUSAS
| Q4 25 | 3.1% | — | ||
| Q3 25 | 1.7% | 150.8% | ||
| Q2 25 | 0.7% | — | ||
| Q1 25 | 0.4% | — | ||
| Q4 24 | 1.9% | — | ||
| Q3 24 | 0.2% | 51.2% | ||
| Q2 24 | 0.1% | — | ||
| Q1 24 | 0.0% | — |
现金转化率CFBKUSAS
| Q4 25 | 3.26× | — | ||
| Q3 25 | 2.34× | — | ||
| Q2 25 | 1.58× | — | ||
| Q1 25 | 0.50× | — | ||
| Q4 24 | 3.21× | — | ||
| Q3 24 | -0.30× | — | ||
| Q2 24 | 2.35× | — | ||
| Q1 24 | -0.38× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
