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CULLEN/FROST BANKERS, INC.（CFR）与COMPASS MINERALS INTERNATIONAL INC（CMP）财务数据对比。点击上方公司名可切换其他公司
CULLEN/FROST BANKERS, INC.的季度营收约是COMPASS MINERALS INTERNATIONAL INC的1.5倍（$580.9M vs $396.1M），CULLEN/FROST BANKERS, INC.净利率更高（28.6% vs 4.7%，领先23.9%），COMPASS MINERALS INTERNATIONAL INC同比增速更快（28.9% vs 8.3%），CULLEN/FROST BANKERS, INC.自由现金流更多（$127.3M vs $-59.8M），过去两年CULLEN/FROST BANKERS, INC.的营收复合增速更高（7.6% vs 4.3%）
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。
指南针矿产国际是一家美国上市矿产企业，总部位于堪萨斯州欧弗兰帕克，是盐、氯化镁和硫酸钾等产品的领先生产商。公司面向北美和英国客户供应经处理与未经处理的散装道路除冰盐，同时向全球种植者提供植物营养产品，此外也生产民用除冰、水质调节产品及相关商用产品。
CFR vs CMP — 直观对比
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $580.9M | $396.1M |
| 净利润 | $166.3M | $18.6M |
| 毛利率 | — | 16.0% |
| 营业利润率 | 34.1% | 9.2% |
| 净利率 | 28.6% | 4.7% |
| 营收同比 | 8.3% | 28.9% |
| 净利润同比 | 7.4% | 178.8% |
| 每股收益（稀释后） | $2.56 | $0.43 |
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
| Q4 25 | $580.9M | $396.1M | ||
| Q3 25 | $567.3M | $227.5M | ||
| Q2 25 | $546.9M | $214.6M | ||
| Q1 25 | $540.2M | $494.6M | ||
| Q4 24 | $536.3M | $307.2M | ||
| Q3 24 | $518.0M | $208.8M | ||
| Q2 24 | $507.9M | $202.9M | ||
| Q1 24 | $501.4M | $364.0M |
| Q4 25 | $166.3M | $18.6M | ||
| Q3 25 | $174.4M | $-7.2M | ||
| Q2 25 | $157.0M | $-17.0M | ||
| Q1 25 | $150.9M | $-32.0M | ||
| Q4 24 | $154.9M | $-23.6M | ||
| Q3 24 | $146.5M | $-48.3M | ||
| Q2 24 | $145.5M | $-43.6M | ||
| Q1 24 | $135.7M | $-38.9M |
| Q4 25 | — | 16.0% | ||
| Q3 25 | — | 16.9% | ||
| Q2 25 | — | 19.2% | ||
| Q1 25 | — | 15.5% | ||
| Q4 24 | — | 11.2% | ||
| Q3 24 | — | 9.3% | ||
| Q2 24 | — | 16.1% | ||
| Q1 24 | — | 19.7% |
| Q4 25 | 34.1% | 9.2% | ||
| Q3 25 | 36.7% | 5.3% | ||
| Q2 25 | 34.1% | 7.4% | ||
| Q1 25 | 33.2% | -0.6% | ||
| Q4 24 | 34.3% | 0.2% | ||
| Q3 24 | 33.8% | -14.3% | ||
| Q2 24 | 34.5% | 2.9% | ||
| Q1 24 | 32.2% | -10.8% |
| Q4 25 | 28.6% | 4.7% | ||
| Q3 25 | 30.7% | -3.2% | ||
| Q2 25 | 28.7% | -7.9% | ||
| Q1 25 | 27.9% | -6.5% | ||
| Q4 24 | 28.9% | -7.7% | ||
| Q3 24 | 28.3% | -23.1% | ||
| Q2 24 | 28.6% | -21.5% | ||
| Q1 24 | 27.1% | -10.7% |
| Q4 25 | $2.56 | $0.43 | ||
| Q3 25 | $2.67 | — | ||
| Q2 25 | $2.39 | $-0.41 | ||
| Q1 25 | $2.30 | $-0.77 | ||
| Q4 24 | $2.36 | $-0.57 | ||
| Q3 24 | $2.24 | $-1.17 | ||
| Q2 24 | $2.21 | $-1.05 | ||
| Q1 24 | $2.06 | $-0.94 |
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 | — | $46.7M |
| 总债务越低越好 | — | $890.0M |
| 股东权益账面价值 | $4.6B | $260.5M |
| 总资产 | $53.0B | $1.5B |
| 负债/权益比越低杠杆越低 | — | 3.42× |
8季度趋势，按日历期对齐
| Q4 25 | — | $46.7M | ||
| Q3 25 | — | $59.7M | ||
| Q2 25 | — | $79.4M | ||
| Q1 25 | — | $49.5M | ||
| Q4 24 | — | $45.8M | ||
| Q3 24 | — | $20.2M | ||
| Q2 24 | — | $12.8M | ||
| Q1 24 | — | $38.3M |
| Q4 25 | — | $890.0M | ||
| Q3 25 | — | $839.8M | ||
| Q2 25 | — | $833.4M | ||
| Q1 25 | — | $807.6M | ||
| Q4 24 | — | $974.4M | ||
| Q3 24 | — | $921.2M | ||
| Q2 24 | — | $875.1M | ||
| Q1 24 | — | $877.2M |
| Q4 25 | $4.6B | $260.5M | ||
| Q3 25 | $4.5B | $234.1M | ||
| Q2 25 | $4.2B | $249.8M | ||
| Q1 25 | $4.1B | $236.5M | ||
| Q4 24 | $3.9B | $263.0M | ||
| Q3 24 | $4.1B | $316.6M | ||
| Q2 24 | $3.7B | $352.1M | ||
| Q1 24 | $3.6B | $400.4M |
| Q4 25 | $53.0B | $1.5B | ||
| Q3 25 | $52.5B | $1.5B | ||
| Q2 25 | $51.4B | $1.5B | ||
| Q1 25 | $52.0B | $1.5B | ||
| Q4 24 | $52.5B | $1.7B | ||
| Q3 24 | $51.0B | $1.6B | ||
| Q2 24 | $48.8B | $1.6B | ||
| Q1 24 | $49.5B | $1.7B |
| Q4 25 | — | 3.42× | ||
| Q3 25 | — | 3.59× | ||
| Q2 25 | — | 3.34× | ||
| Q1 25 | — | 3.41× | ||
| Q4 24 | — | 3.70× | ||
| Q3 24 | — | 2.91× | ||
| Q2 24 | — | 2.49× | ||
| Q1 24 | — | 2.19× |
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 | $-37.0M |
| 自由现金流经营现金流 - 资本支出 | $127.3M | $-59.8M |
| 自由现金流率自由现金流/营收 | 21.9% | -15.1% |
| 资本支出强度资本支出/营收 | 25.2% | 5.8% |
| 现金转化率经营现金流/净利润 | 1.65× | -1.99× |
| 过去12个月自由现金流最近4个季度 | $116.4M | $94.1M |
8季度趋势，按日历期对齐
| Q4 25 | $274.0M | $-37.0M | ||
| Q3 25 | $248.6M | $-6.9M | ||
| Q2 25 | $140.8M | $21.8M | ||
| Q1 25 | $-296.1M | $186.9M | ||
| Q4 24 | $989.5M | $-4.1M | ||
| Q3 24 | $307.2M | $-12.7M | ||
| Q2 24 | $129.6M | $-6.8M | ||
| Q1 24 | $488.4M | $86.2M |
| Q4 25 | $127.3M | $-59.8M | ||
| Q3 25 | $211.7M | $-22.8M | ||
| Q2 25 | $114.5M | $3.8M | ||
| Q1 25 | $-337.1M | $172.9M | ||
| Q4 24 | $861.8M | $-25.9M | ||
| Q3 24 | $281.9M | $-33.6M | ||
| Q2 24 | $103.0M | $-21.5M | ||
| Q1 24 | $450.3M | $56.2M |
| Q4 25 | 21.9% | -15.1% | ||
| Q3 25 | 37.3% | -10.0% | ||
| Q2 25 | 20.9% | 1.8% | ||
| Q1 25 | -62.4% | 35.0% | ||
| Q4 24 | 160.7% | -8.4% | ||
| Q3 24 | 54.4% | -16.1% | ||
| Q2 24 | 20.3% | -10.6% | ||
| Q1 24 | 89.8% | 15.4% |
| Q4 25 | 25.2% | 5.8% | ||
| Q3 25 | 6.5% | 7.0% | ||
| Q2 25 | 4.8% | 8.4% | ||
| Q1 25 | 7.6% | 2.8% | ||
| Q4 24 | 23.8% | 7.1% | ||
| Q3 24 | 4.9% | 10.0% | ||
| Q2 24 | 5.2% | 7.2% | ||
| Q1 24 | 7.6% | 8.2% |
| Q4 25 | 1.65× | -1.99× | ||
| Q3 25 | 1.43× | — | ||
| Q2 25 | 0.90× | — | ||
| Q1 25 | -1.96× | — | ||
| Q4 24 | 6.39× | — | ||
| Q3 24 | 2.10× | — | ||
| Q2 24 | 0.89× | — | ||
| Q1 24 | 3.60× | — |
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
CFR
暂无分部数据
CMP
| Highway Deicing Salt | $210.8M | 53% |
| Consumer Industrial Salt | $120.7M | 30% |
| Plant Nutrition | $60.8M | 15% |
| Transferred Over Time | $2.8M | 1% |
| Other | $1.0M | 0% |
