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CULLEN/FROST BANKERS, INC.（CFR）与LifeStance Health Group, Inc.（LFST）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LifeStance Health Group, Inc.的1.5倍（$580.9M vs $382.2M），CULLEN/FROST BANKERS, INC.净利率更高（28.6% vs 3.1%，领先25.6%），LifeStance Health Group, Inc.同比增速更快（17.4% vs 8.3%），CULLEN/FROST BANKERS, INC.自由现金流更多（$127.3M vs $46.6M），过去两年LifeStance Health Group, Inc.的营收复合增速更高（12.8% 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。
LifeStance Health Group是美国的门诊行为健康服务提供商，支持线下面诊与远程诊疗两种服务模式，业务涵盖心理咨询、精神科诊疗、经颅磁刺激（TMS）以及氯胺酮治疗等。该公司曾多次因劳动违规、客户信息泄露及误导投资者相关问题遭遇诉讼。
CFR vs LFST — 直观对比
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $580.9M | $382.2M |
| 净利润 | $166.3M | $11.7M |
| 毛利率 | — | — |
| 营业利润率 | 34.1% | 4.7% |
| 净利率 | 28.6% | 3.1% |
| 营收同比 | 8.3% | 17.4% |
| 净利润同比 | 7.4% | 264.1% |
| 每股收益（稀释后） | $2.56 | — |
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 | $382.2M | ||
| Q3 25 | $567.3M | $363.8M | ||
| Q2 25 | $546.9M | $345.3M | ||
| Q1 25 | $540.2M | $333.0M | ||
| Q4 24 | $536.3M | $325.5M | ||
| Q3 24 | $518.0M | $312.7M | ||
| Q2 24 | $507.9M | $312.3M | ||
| Q1 24 | $501.4M | $300.4M |
| Q4 25 | $166.3M | $11.7M | ||
| Q3 25 | $174.4M | $1.1M | ||
| Q2 25 | $157.0M | $-3.8M | ||
| Q1 25 | $150.9M | $709.0K | ||
| Q4 24 | $154.9M | $-7.1M | ||
| Q3 24 | $146.5M | $-6.0M | ||
| Q2 24 | $145.5M | $-23.3M | ||
| Q1 24 | $135.7M | $-21.1M |
| Q4 25 | 34.1% | 4.7% | ||
| Q3 25 | 36.7% | 2.0% | ||
| Q2 25 | 34.1% | -0.9% | ||
| Q1 25 | 33.2% | 0.5% | ||
| Q4 24 | 34.3% | 0.3% | ||
| Q3 24 | 33.8% | 0.0% | ||
| Q2 24 | 34.5% | -5.1% | ||
| Q1 24 | 32.2% | -5.6% |
| Q4 25 | 28.6% | 3.1% | ||
| Q3 25 | 30.7% | 0.3% | ||
| Q2 25 | 28.7% | -1.1% | ||
| Q1 25 | 27.9% | 0.2% | ||
| Q4 24 | 28.9% | -2.2% | ||
| Q3 24 | 28.3% | -1.9% | ||
| Q2 24 | 28.6% | -7.5% | ||
| Q1 24 | 27.1% | -7.0% |
| Q4 25 | $2.56 | — | ||
| Q3 25 | $2.67 | — | ||
| Q2 25 | $2.39 | — | ||
| Q1 25 | $2.30 | — | ||
| Q4 24 | $2.36 | — | ||
| Q3 24 | $2.24 | — | ||
| Q2 24 | $2.21 | — | ||
| Q1 24 | $2.06 | — |
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 | — | $248.6M |
| 总债务越低越好 | — | $282.8M |
| 股东权益账面价值 | $4.6B | $1.5B |
| 总资产 | $53.0B | $2.2B |
| 负债/权益比越低杠杆越低 | — | 0.19× |
8季度趋势，按日历期对齐
| Q4 25 | — | $248.6M | ||
| Q3 25 | — | $203.9M | ||
| Q2 25 | — | $188.9M | ||
| Q1 25 | — | $134.3M | ||
| Q4 24 | — | $154.6M | ||
| Q3 24 | — | $102.6M | ||
| Q2 24 | — | $87.0M | ||
| Q1 24 | — | $49.5M |
| Q4 25 | — | $282.8M | ||
| Q3 25 | — | $284.6M | ||
| Q2 25 | — | $286.4M | ||
| Q1 25 | — | $288.2M | ||
| Q4 24 | — | $290.0M | ||
| Q3 24 | — | $287.3M | ||
| Q2 24 | — | $288.0M | ||
| Q1 24 | — | $288.8M |
| Q4 25 | $4.6B | $1.5B | ||
| Q3 25 | $4.5B | $1.5B | ||
| Q2 25 | $4.2B | $1.5B | ||
| Q1 25 | $4.1B | $1.5B | ||
| Q4 24 | $3.9B | $1.4B | ||
| Q3 24 | $4.1B | $1.4B | ||
| Q2 24 | $3.7B | $1.4B | ||
| Q1 24 | $3.6B | $1.4B |
| Q4 25 | $53.0B | $2.2B | ||
| Q3 25 | $52.5B | $2.1B | ||
| Q2 25 | $51.4B | $2.1B | ||
| Q1 25 | $52.0B | $2.1B | ||
| Q4 24 | $52.5B | $2.1B | ||
| Q3 24 | $51.0B | $2.1B | ||
| Q2 24 | $48.8B | $2.1B | ||
| Q1 24 | $49.5B | $2.1B |
| Q4 25 | — | 0.19× | ||
| Q3 25 | — | 0.19× | ||
| Q2 25 | — | 0.19× | ||
| Q1 25 | — | 0.20× | ||
| Q4 24 | — | 0.20× | ||
| Q3 24 | — | 0.20× | ||
| Q2 24 | — | 0.20× | ||
| Q1 24 | — | 0.20× |
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 | $57.6M |
| 自由现金流经营现金流 - 资本支出 | $127.3M | $46.6M |
| 自由现金流率自由现金流/营收 | 21.9% | 12.2% |
| 资本支出强度资本支出/营收 | 25.2% | 2.9% |
| 现金转化率经营现金流/净利润 | 1.65× | 4.93× |
| 过去12个月自由现金流最近4个季度 | $116.4M | $110.0M |
8季度趋势，按日历期对齐
| Q4 25 | $274.0M | $57.6M | ||
| Q3 25 | $248.6M | $27.3M | ||
| Q2 25 | $140.8M | $64.4M | ||
| Q1 25 | $-296.1M | $-3.1M | ||
| Q4 24 | $989.5M | $62.3M | ||
| Q3 24 | $307.2M | $22.7M | ||
| Q2 24 | $129.6M | $44.1M | ||
| Q1 24 | $488.4M | $-21.8M |
| Q4 25 | $127.3M | $46.6M | ||
| Q3 25 | $211.7M | $17.0M | ||
| Q2 25 | $114.5M | $56.6M | ||
| Q1 25 | $-337.1M | $-10.3M | ||
| Q4 24 | $861.8M | $56.0M | ||
| Q3 24 | $281.9M | $17.7M | ||
| Q2 24 | $103.0M | $39.0M | ||
| Q1 24 | $450.3M | $-26.9M |
| Q4 25 | 21.9% | 12.2% | ||
| Q3 25 | 37.3% | 4.7% | ||
| Q2 25 | 20.9% | 16.4% | ||
| Q1 25 | -62.4% | -3.1% | ||
| Q4 24 | 160.7% | 17.2% | ||
| Q3 24 | 54.4% | 5.7% | ||
| Q2 24 | 20.3% | 12.5% | ||
| Q1 24 | 89.8% | -9.0% |
| Q4 25 | 25.2% | 2.9% | ||
| Q3 25 | 6.5% | 2.8% | ||
| Q2 25 | 4.8% | 2.2% | ||
| Q1 25 | 7.6% | 2.2% | ||
| Q4 24 | 23.8% | 1.9% | ||
| Q3 24 | 4.9% | 1.6% | ||
| Q2 24 | 5.2% | 1.6% | ||
| Q1 24 | 7.6% | 1.7% |
| Q4 25 | 1.65× | 4.93× | ||
| Q3 25 | 1.43× | 25.34× | ||
| Q2 25 | 0.90× | — | ||
| Q1 25 | -1.96× | -4.36× | ||
| 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
