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CULLEN/FROST BANKERS, INC.（CFR）与COMERICA INC（CMA）财务数据对比。点击上方公司名可切换其他公司
COMERICA INC的季度营收约是CULLEN/FROST BANKERS, INC.的1.4倍（$838.0M vs $580.9M），CULLEN/FROST BANKERS, INC.净利率更高（28.6% vs 21.0%，领先7.6%），CULLEN/FROST BANKERS, INC.同比增速更快（8.3% vs 3.3%），过去两年COMERICA INC的营收复合增速更高（108.9% vs 7.6%）
Frost Bank是总部位于美国圣安东尼奥的德克萨斯州特许银行，为银行控股公司卡伦/弗罗斯特银行家集团的核心子公司。其在得克萨斯州共设有200家营业网点、1750台自动柜员机，按总资产规模统计位列全美前60大银行之列。
Comerica公司是总部位于美国得克萨斯州达拉斯的金融服务企业，为美国大型金融控股公司之一。旗下Comerica银行为区域性商业银行，在得克萨斯、密歇根、加利福尼亚、佛罗里达、亚利桑那五州共设413家网点，在美国多座城市设有办公场所。
CFR vs CMA — 直观对比
营收规模更大
CMA
是对方的1.4倍
$580.9M
营收增速更快
CFR
高出5.0%
3.3%
净利率更高
CFR
高出7.6%
21.0%
两年增速更快
CMA
近两年复合增速
7.6%
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $580.9M | $838.0M |
| 净利润 | $166.3M | $176.0M |
| 毛利率 | — | — |
| 营业利润率 | 34.1% | — |
| 净利率 | 28.6% | 21.0% |
| 营收同比 | 8.3% | 3.3% |
| 净利润同比 | 7.4% | -4.3% |
| 每股收益（稀释后） | $2.56 | $1.35 |
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CFRCMA
| Q4 25 | $580.9M | — | ||
| Q3 25 | $567.3M | $838.0M | ||
| Q2 25 | $546.9M | $849.0M | ||
| Q1 25 | $540.2M | $829.0M | ||
| Q4 24 | $536.3M | $825.0M | ||
| Q3 24 | $518.0M | $811.0M | ||
| Q2 24 | $507.9M | $824.0M | ||
| Q1 24 | $501.4M | $784.0M |
净利润CFRCMA
| Q4 25 | $166.3M | — | ||
| Q3 25 | $174.4M | $176.0M | ||
| Q2 25 | $157.0M | $199.0M | ||
| Q1 25 | $150.9M | $172.0M | ||
| Q4 24 | $154.9M | $170.0M | ||
| Q3 24 | $146.5M | $184.0M | ||
| Q2 24 | $145.5M | $206.0M | ||
| Q1 24 | $135.7M | $138.0M |
营业利润率CFRCMA
| Q4 25 | 34.1% | — | ||
| Q3 25 | 36.7% | — | ||
| Q2 25 | 34.1% | — | ||
| Q1 25 | 33.2% | — | ||
| Q4 24 | 34.3% | — | ||
| Q3 24 | 33.8% | — | ||
| Q2 24 | 34.5% | — | ||
| Q1 24 | 32.2% | — |
净利率CFRCMA
| Q4 25 | 28.6% | — | ||
| Q3 25 | 30.7% | 21.0% | ||
| Q2 25 | 28.7% | 23.4% | ||
| Q1 25 | 27.9% | 20.7% | ||
| Q4 24 | 28.9% | 20.6% | ||
| Q3 24 | 28.3% | 22.7% | ||
| Q2 24 | 28.6% | 25.0% | ||
| Q1 24 | 27.1% | 17.6% |
每股收益（稀释后）CFRCMA
| Q4 25 | $2.56 | — | ||
| Q3 25 | $2.67 | $1.35 | ||
| Q2 25 | $2.39 | $1.42 | ||
| Q1 25 | $2.30 | $1.25 | ||
| Q4 24 | $2.36 | $1.22 | ||
| Q3 24 | $2.24 | $1.33 | ||
| Q2 24 | $2.21 | $1.49 | ||
| Q1 24 | $2.06 | $0.98 |
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 | — | — |
| 总债务越低越好 | — | $5.4B |
| 股东权益账面价值 | $4.6B | $7.4B |
| 总资产 | $53.0B | $77.4B |
| 负债/权益比越低杠杆越低 | — | 0.73× |
8季度趋势，按日历期对齐
总债务CFRCMA
| Q4 25 | — | — | ||
| Q3 25 | — | $5.4B | ||
| Q2 25 | — | $5.8B | ||
| Q1 25 | — | $5.7B | ||
| Q4 24 | — | $6.7B | ||
| Q3 24 | — | $6.8B | ||
| Q2 24 | — | $7.1B | ||
| Q1 24 | — | $7.1B |
股东权益CFRCMA
| Q4 25 | $4.6B | — | ||
| Q3 25 | $4.5B | $7.4B | ||
| Q2 25 | $4.2B | $6.9B | ||
| Q1 25 | $4.1B | $7.1B | ||
| Q4 24 | $3.9B | $6.5B | ||
| Q3 24 | $4.1B | $7.4B | ||
| Q2 24 | $3.7B | $6.2B | ||
| Q1 24 | $3.6B | $6.0B |
总资产CFRCMA
| Q4 25 | $53.0B | — | ||
| Q3 25 | $52.5B | $77.4B | ||
| Q2 25 | $51.4B | $78.0B | ||
| Q1 25 | $52.0B | $77.6B | ||
| Q4 24 | $52.5B | $79.3B | ||
| Q3 24 | $51.0B | $79.7B | ||
| Q2 24 | $48.8B | $79.6B | ||
| Q1 24 | $49.5B | $79.4B |
负债/权益比CFRCMA
| Q4 25 | — | — | ||
| Q3 25 | — | 0.73× | ||
| Q2 25 | — | 0.84× | ||
| Q1 25 | — | 0.81× | ||
| Q4 24 | — | 1.02× | ||
| Q3 24 | — | 0.92× | ||
| Q2 24 | — | 1.15× | ||
| Q1 24 | — | 1.18× |
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 | $274.0M | $-270.0M |
| 自由现金流经营现金流 - 资本支出 | $127.3M | — |
| 自由现金流率自由现金流/营收 | 21.9% | — |
| 资本支出强度资本支出/营收 | 25.2% | — |
| 现金转化率经营现金流/净利润 | 1.65× | -1.53× |
| 过去12个月自由现金流最近4个季度 | $116.4M | — |
8季度趋势，按日历期对齐
经营现金流CFRCMA
| Q4 25 | $274.0M | — | ||
| Q3 25 | $248.6M | $-270.0M | ||
| Q2 25 | $140.8M | $476.0M | ||
| Q1 25 | $-296.1M | $273.0M | ||
| Q4 24 | $989.5M | $601.0M | ||
| Q3 24 | $307.2M | $1.0B | ||
| Q2 24 | $129.6M | $111.0M | ||
| Q1 24 | $488.4M | $-205.0M |
自由现金流CFRCMA
| Q4 25 | $127.3M | — | ||
| Q3 25 | $211.7M | — | ||
| Q2 25 | $114.5M | — | ||
| Q1 25 | $-337.1M | — | ||
| Q4 24 | $861.8M | — | ||
| Q3 24 | $281.9M | — | ||
| Q2 24 | $103.0M | — | ||
| Q1 24 | $450.3M | — |
自由现金流率CFRCMA
| Q4 25 | 21.9% | — | ||
| Q3 25 | 37.3% | — | ||
| Q2 25 | 20.9% | — | ||
| Q1 25 | -62.4% | — | ||
| Q4 24 | 160.7% | — | ||
| Q3 24 | 54.4% | — | ||
| Q2 24 | 20.3% | — | ||
| Q1 24 | 89.8% | — |
资本支出强度CFRCMA
| Q4 25 | 25.2% | — | ||
| Q3 25 | 6.5% | — | ||
| Q2 25 | 4.8% | — | ||
| Q1 25 | 7.6% | — | ||
| Q4 24 | 23.8% | — | ||
| Q3 24 | 4.9% | — | ||
| Q2 24 | 5.2% | — | ||
| Q1 24 | 7.6% | — |
现金转化率CFRCMA
| Q4 25 | 1.65× | — | ||
| Q3 25 | 1.43× | -1.53× | ||
| Q2 25 | 0.90× | 2.39× | ||
| Q1 25 | -1.96× | 1.59× | ||
| Q4 24 | 6.39× | 3.54× | ||
| Q3 24 | 2.10× | 5.70× | ||
| Q2 24 | 0.89× | 0.54× | ||
| Q1 24 | 3.60× | -1.49× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
