vs
CULLEN/FROST BANKERS, INC.（CFR）与LCI INDUSTRIES（LCII）财务数据对比。点击上方公司名可切换其他公司
LCI INDUSTRIES的季度营收约是CULLEN/FROST BANKERS, INC.的1.6倍（$932.7M vs $580.9M），CULLEN/FROST BANKERS, INC.净利率更高（28.6% vs 2.0%，领先26.6%），LCI INDUSTRIES同比增速更快（16.1% vs 8.3%），CULLEN/FROST BANKERS, INC.自由现金流更多（$127.3M vs $64.3M），过去两年CULLEN/FROST BANKERS, INC.的营收复合增速更高（7.6% vs -1.8%）
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。
拉奇核心工业有限公司前身为巴基斯坦帝国化学工业公司，是一家总部位于卡拉奇的巴基斯坦综合性企业集团，业务覆盖聚酯、医药、农用化学品、纯碱及兽药等多品类产品的研发生产，在巴基斯坦本土工业领域拥有重要市场地位。
CFR vs LCII — 直观对比
营收规模更大
LCII
是对方的1.6倍
$580.9M
营收增速更快
LCII
高出7.8%
8.3%
净利率更高
CFR
高出26.6%
2.0%
自由现金流更多
CFR
多$63.0M
$64.3M
两年增速更快
CFR
近两年复合增速
-1.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $580.9M | $932.7M |
| 净利润 | $166.3M | $18.7M |
| 毛利率 | — | 22.1% |
| 营业利润率 | 34.1% | 3.8% |
| 净利率 | 28.6% | 2.0% |
| 营收同比 | 8.3% | 16.1% |
| 净利润同比 | 7.4% | 95.7% |
| 每股收益（稀释后） | $2.56 | $0.79 |
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CFRLCII
| Q4 25 | $580.9M | $932.7M | ||
| Q3 25 | $567.3M | $1.0B | ||
| Q2 25 | $546.9M | $1.1B | ||
| Q1 25 | $540.2M | $1.0B | ||
| Q4 24 | $536.3M | $803.1M | ||
| Q3 24 | $518.0M | $915.5M | ||
| Q2 24 | $507.9M | $1.1B | ||
| Q1 24 | $501.4M | $968.0M |
净利润CFRLCII
| Q4 25 | $166.3M | $18.7M | ||
| Q3 25 | $174.4M | $62.5M | ||
| Q2 25 | $157.0M | $57.6M | ||
| Q1 25 | $150.9M | $49.4M | ||
| Q4 24 | $154.9M | $9.5M | ||
| Q3 24 | $146.5M | $35.6M | ||
| Q2 24 | $145.5M | $61.2M | ||
| Q1 24 | $135.7M | $36.5M |
毛利率CFRLCII
| Q4 25 | — | 22.1% | ||
| Q3 25 | — | 24.4% | ||
| Q2 25 | — | 24.4% | ||
| Q1 25 | — | 24.1% | ||
| Q4 24 | — | 21.1% | ||
| Q3 24 | — | 24.0% | ||
| Q2 24 | — | 25.3% | ||
| Q1 24 | — | 23.1% |
营业利润率CFRLCII
| Q4 25 | 34.1% | 3.8% | ||
| Q3 25 | 36.7% | 7.3% | ||
| Q2 25 | 34.1% | 7.9% | ||
| Q1 25 | 33.2% | 7.8% | ||
| Q4 24 | 34.3% | 2.0% | ||
| Q3 24 | 33.8% | 5.9% | ||
| Q2 24 | 34.5% | 8.6% | ||
| Q1 24 | 32.2% | 6.0% |
净利率CFRLCII
| Q4 25 | 28.6% | 2.0% | ||
| Q3 25 | 30.7% | 6.0% | ||
| Q2 25 | 28.7% | 5.2% | ||
| Q1 25 | 27.9% | 4.7% | ||
| Q4 24 | 28.9% | 1.2% | ||
| Q3 24 | 28.3% | 3.9% | ||
| Q2 24 | 28.6% | 5.8% | ||
| Q1 24 | 27.1% | 3.8% |
每股收益（稀释后）CFRLCII
| Q4 25 | $2.56 | $0.79 | ||
| Q3 25 | $2.67 | $2.55 | ||
| Q2 25 | $2.39 | $2.29 | ||
| Q1 25 | $2.30 | $1.94 | ||
| Q4 24 | $2.36 | $0.37 | ||
| Q3 24 | $2.24 | $1.39 | ||
| Q2 24 | $2.21 | $2.40 | ||
| Q1 24 | $2.06 | $1.44 |
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 | — | $222.6M |
| 总债务越低越好 | — | $945.2M |
| 股东权益账面价值 | $4.6B | $1.4B |
| 总资产 | $53.0B | $3.2B |
| 负债/权益比越低杠杆越低 | — | 0.69× |
8季度趋势，按日历期对齐
现金及短期投资CFRLCII
| Q4 25 | — | $222.6M | ||
| Q3 25 | — | $199.7M | ||
| Q2 25 | — | $191.9M | ||
| Q1 25 | — | $231.2M | ||
| Q4 24 | — | $165.8M | ||
| Q3 24 | — | $161.2M | ||
| Q2 24 | — | $130.4M | ||
| Q1 24 | — | $22.6M |
总债务CFRLCII
| Q4 25 | — | $945.2M | ||
| Q3 25 | — | $947.8M | ||
| Q2 25 | — | $948.0M | ||
| Q1 25 | — | $938.3M | ||
| Q4 24 | — | $757.3M | ||
| Q3 24 | — | $822.5M | ||
| Q2 24 | — | $829.7M | ||
| Q1 24 | — | $855.3M |
股东权益CFRLCII
| Q4 25 | $4.6B | $1.4B | ||
| Q3 25 | $4.5B | $1.4B | ||
| Q2 25 | $4.2B | $1.4B | ||
| Q1 25 | $4.1B | $1.4B | ||
| Q4 24 | $3.9B | $1.4B | ||
| Q3 24 | $4.1B | $1.4B | ||
| Q2 24 | $3.7B | $1.4B | ||
| Q1 24 | $3.6B | $1.4B |
总资产CFRLCII
| Q4 25 | $53.0B | $3.2B | ||
| Q3 25 | $52.5B | $3.2B | ||
| Q2 25 | $51.4B | $3.2B | ||
| Q1 25 | $52.0B | $3.1B | ||
| Q4 24 | $52.5B | $2.9B | ||
| Q3 24 | $51.0B | $3.0B | ||
| Q2 24 | $48.8B | $3.0B | ||
| Q1 24 | $49.5B | $3.0B |
负债/权益比CFRLCII
| Q4 25 | — | 0.69× | ||
| Q3 25 | — | 0.70× | ||
| Q2 25 | — | 0.68× | ||
| Q1 25 | — | 0.69× | ||
| Q4 24 | — | 0.55× | ||
| Q3 24 | — | 0.58× | ||
| Q2 24 | — | 0.60× | ||
| Q1 24 | — | 0.63× |
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 | $78.9M |
| 自由现金流经营现金流 - 资本支出 | $127.3M | $64.3M |
| 自由现金流率自由现金流/营收 | 21.9% | 6.9% |
| 资本支出强度资本支出/营收 | 25.2% | 1.6% |
| 现金转化率经营现金流/净利润 | 1.65× | 4.22× |
| 过去12个月自由现金流最近4个季度 | $116.4M | $278.3M |
8季度趋势，按日历期对齐
经营现金流CFRLCII
| Q4 25 | $274.0M | $78.9M | ||
| Q3 25 | $248.6M | $97.2M | ||
| Q2 25 | $140.8M | $112.2M | ||
| Q1 25 | $-296.1M | $42.7M | ||
| Q4 24 | $989.5M | $106.6M | ||
| Q3 24 | $307.2M | $78.4M | ||
| Q2 24 | $129.6M | $192.9M | ||
| Q1 24 | $488.4M | $-7.7M |
自由现金流CFRLCII
| Q4 25 | $127.3M | $64.3M | ||
| Q3 25 | $211.7M | $80.9M | ||
| Q2 25 | $114.5M | $99.5M | ||
| Q1 25 | $-337.1M | $33.7M | ||
| Q4 24 | $861.8M | $95.7M | ||
| Q3 24 | $281.9M | $68.3M | ||
| Q2 24 | $103.0M | $180.2M | ||
| Q1 24 | $450.3M | $-16.3M |
自由现金流率CFRLCII
| Q4 25 | 21.9% | 6.9% | ||
| Q3 25 | 37.3% | 7.8% | ||
| Q2 25 | 20.9% | 9.0% | ||
| Q1 25 | -62.4% | 3.2% | ||
| Q4 24 | 160.7% | 11.9% | ||
| Q3 24 | 54.4% | 7.5% | ||
| Q2 24 | 20.3% | 17.1% | ||
| Q1 24 | 89.8% | -1.7% |
资本支出强度CFRLCII
| Q4 25 | 25.2% | 1.6% | ||
| Q3 25 | 6.5% | 1.6% | ||
| Q2 25 | 4.8% | 1.2% | ||
| Q1 25 | 7.6% | 0.9% | ||
| Q4 24 | 23.8% | 1.4% | ||
| Q3 24 | 4.9% | 1.1% | ||
| Q2 24 | 5.2% | 1.2% | ||
| Q1 24 | 7.6% | 0.9% |
现金转化率CFRLCII
| Q4 25 | 1.65× | 4.22× | ||
| Q3 25 | 1.43× | 1.55× | ||
| Q2 25 | 0.90× | 1.95× | ||
| Q1 25 | -1.96× | 0.86× | ||
| Q4 24 | 6.39× | 11.17× | ||
| Q3 24 | 2.10× | 2.20× | ||
| Q2 24 | 0.89× | 3.15× | ||
| Q1 24 | 3.60× | -0.21× |
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
LCII
| Travel Trailer And Fifth Wheels | $378.4M | 41% |
| Chassis Chassis Partsand Slideout Mechanisms | $206.1M | 22% |
| Furnitureand Mattresses | $120.4M | 13% |
| Appliances | $69.9M | 7% |
| Other Products | $69.1M | 7% |
| Axlesand Suspension Solutions | $62.3M | 7% |
| Motorhomes | $34.2M | 4% |
