vs
CULLEN/FROST BANKERS, INC.（CFR）与Essex Property Trust（ESS）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Essex Property Trust的1.2倍（$580.9M vs $479.6M），CULLEN/FROST BANKERS, INC.净利率更高（28.6% vs 17.9%，领先10.7%），CULLEN/FROST BANKERS, INC.同比增速更快（8.3% vs 5.5%），过去两年CULLEN/FROST BANKERS, INC.的营收复合增速更高（7.6% vs 6.0%）
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。
Essex Property Trust是一家公开上市的房地产投资信托企业，重点布局美国西海岸优质不动产市场，核心投资标的为加利福尼亚州及西雅图大都会区的公寓类物业，在长租公寓的投资、运营及管理领域拥有深厚的行业积累与资源优势。
CFR vs ESS — 直观对比
营收规模更大
CFR
是对方的1.2倍
$479.6M
营收增速更快
CFR
高出2.8%
5.5%
净利率更高
CFR
高出10.7%
17.9%
两年增速更快
CFR
近两年复合增速
6.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $580.9M | $479.6M |
| 净利润 | $166.3M | $85.7M |
| 毛利率 | — | 70.0% |
| 营业利润率 | 34.1% | 31.7% |
| 净利率 | 28.6% | 17.9% |
| 营收同比 | 8.3% | 5.5% |
| 净利润同比 | 7.4% | -71.6% |
| 每股收益（稀释后） | $2.56 | $1.24 |
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CFRESS
| Q4 25 | $580.9M | $479.6M | ||
| Q3 25 | $567.3M | $473.3M | ||
| Q2 25 | $546.9M | $469.8M | ||
| Q1 25 | $540.2M | $464.6M | ||
| Q4 24 | $536.3M | $454.5M | ||
| Q3 24 | $518.0M | $450.7M | ||
| Q2 24 | $507.9M | $442.4M | ||
| Q1 24 | $501.4M | $426.9M |
净利润CFRESS
| Q4 25 | $166.3M | $85.7M | ||
| Q3 25 | $174.4M | $172.7M | ||
| Q2 25 | $157.0M | $231.5M | ||
| Q1 25 | $150.9M | $212.8M | ||
| Q4 24 | $154.9M | $301.7M | ||
| Q3 24 | $146.5M | $125.5M | ||
| Q2 24 | $145.5M | $99.0M | ||
| Q1 24 | $135.7M | $285.1M |
毛利率CFRESS
| Q4 25 | — | 70.0% | ||
| Q3 25 | — | 69.2% | ||
| Q2 25 | — | 70.7% | ||
| Q1 25 | — | 69.6% | ||
| Q4 24 | — | 70.0% | ||
| Q3 24 | — | 69.5% | ||
| Q2 24 | — | 70.8% | ||
| Q1 24 | — | 69.7% |
营业利润率CFRESS
| Q4 25 | 34.1% | 31.7% | ||
| Q3 25 | 36.7% | 44.5% | ||
| Q2 25 | 34.1% | 59.5% | ||
| Q1 25 | 33.2% | 55.3% | ||
| Q4 24 | 34.3% | 67.0% | ||
| Q3 24 | 33.8% | 28.6% | ||
| Q2 24 | 34.5% | 31.1% | ||
| Q1 24 | 32.2% | 31.0% |
净利率CFRESS
| Q4 25 | 28.6% | 17.9% | ||
| Q3 25 | 30.7% | 36.5% | ||
| Q2 25 | 28.7% | 49.3% | ||
| Q1 25 | 27.9% | 45.8% | ||
| Q4 24 | 28.9% | 66.4% | ||
| Q3 24 | 28.3% | 27.8% | ||
| Q2 24 | 28.6% | 22.4% | ||
| Q1 24 | 27.1% | 66.8% |
每股收益（稀释后）CFRESS
| Q4 25 | $2.56 | $1.24 | ||
| Q3 25 | $2.67 | $2.56 | ||
| Q2 25 | $2.39 | $3.44 | ||
| Q1 25 | $2.30 | $3.16 | ||
| Q4 24 | $2.36 | $4.00 | ||
| Q3 24 | $2.24 | $1.84 | ||
| Q2 24 | $2.21 | $1.45 | ||
| Q1 24 | $2.06 | $4.25 |
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 | — | $76.2M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $4.6B | $5.5B |
| 总资产 | $53.0B | $13.2B |
| 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CFRESS
| Q4 25 | — | $76.2M | ||
| Q3 25 | — | $66.0M | ||
| Q2 25 | — | $58.7M | ||
| Q1 25 | — | $98.7M | ||
| Q4 24 | — | $66.8M | ||
| Q3 24 | — | $71.3M | ||
| Q2 24 | — | $55.2M | ||
| Q1 24 | — | $499.0M |
总债务CFRESS
| Q4 25 | — | — | ||
| Q3 25 | — | $6.4B | ||
| Q2 25 | — | $6.4B | ||
| Q1 25 | — | $6.8B | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $6.4B | ||
| Q2 24 | — | $6.2B | ||
| Q1 24 | — | $6.6B |
股东权益CFRESS
| Q4 25 | $4.6B | $5.5B | ||
| Q3 25 | $4.5B | $5.6B | ||
| Q2 25 | $4.2B | $5.6B | ||
| Q1 25 | $4.1B | $5.6B | ||
| Q4 24 | $3.9B | $5.5B | ||
| Q3 24 | $4.1B | $5.4B | ||
| Q2 24 | $3.7B | $5.5B | ||
| Q1 24 | $3.6B | $5.5B |
总资产CFRESS
| Q4 25 | $53.0B | $13.2B | ||
| Q3 25 | $52.5B | $13.2B | ||
| Q2 25 | $51.4B | $13.2B | ||
| Q1 25 | $52.0B | $13.2B | ||
| Q4 24 | $52.5B | $12.9B | ||
| Q3 24 | $51.0B | $12.6B | ||
| Q2 24 | $48.8B | $12.5B | ||
| Q1 24 | $49.5B | $12.9B |
负债/权益比CFRESS
| Q4 25 | — | — | ||
| Q3 25 | — | 1.15× | ||
| Q2 25 | — | 1.14× | ||
| Q1 25 | — | 1.22× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 1.18× | ||
| Q2 24 | — | 1.13× | ||
| Q1 24 | — | 1.19× |
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 | $1.1B |
| 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× | 12.53× |
| 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CFRESS
| Q4 25 | $274.0M | $1.1B | ||
| Q3 25 | $248.6M | $342.6M | ||
| Q2 25 | $140.8M | $216.1M | ||
| Q1 25 | $-296.1M | $281.5M | ||
| Q4 24 | $989.5M | $1.1B | ||
| Q3 24 | $307.2M | $316.2M | ||
| Q2 24 | $129.6M | $218.9M | ||
| Q1 24 | $488.4M | $314.9M |
自由现金流CFRESS
| 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CFRESS
| 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CFRESS
| 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CFRESS
| Q4 25 | 1.65× | 12.53× | ||
| Q3 25 | 1.43× | 1.98× | ||
| Q2 25 | 0.90× | 0.93× | ||
| Q1 25 | -1.96× | 1.32× | ||
| Q4 24 | 6.39× | 3.54× | ||
| Q3 24 | 2.10× | 2.52× | ||
| Q2 24 | 0.89× | 2.21× | ||
| Q1 24 | 3.60× | 1.10× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
