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CULLEN/FROST BANKERS, INC.（CFR）与Mativ Holdings, Inc.（MATV）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Mativ Holdings, Inc.的1.3倍（$580.9M vs $463.1M），CULLEN/FROST BANKERS, INC.净利率更高（28.6% vs 21.8%，领先6.9%），CULLEN/FROST BANKERS, INC.同比增速更快（8.3% vs 1.0%），CULLEN/FROST BANKERS, INC.自由现金流更多（$127.3M vs $8.0M），过去两年CULLEN/FROST BANKERS, INC.的营收复合增速更高（7.6% vs -3.8%）
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。
Mativ Holdings是一家全球特种材料制造商，主要生产高性能先进聚合物、无纺布、过滤解决方案及功能性涂层材料，服务医疗、工业、消费品、航空航天、能源等领域，业务遍及北美、欧洲及亚太地区。
CFR vs MATV — 直观对比
营收规模更大
CFR
是对方的1.3倍
$463.1M
营收增速更快
CFR
高出7.3%
1.0%
净利率更高
CFR
高出6.9%
21.8%
自由现金流更多
CFR
多$119.3M
$8.0M
两年增速更快
CFR
近两年复合增速
-3.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $580.9M | $463.1M |
| 净利润 | $166.3M | $100.8M |
| 毛利率 | — | 18.8% |
| 营业利润率 | 34.1% | 2.2% |
| 净利率 | 28.6% | 21.8% |
| 营收同比 | 8.3% | 1.0% |
| 净利润同比 | 7.4% | 6620.0% |
| 每股收益（稀释后） | $2.56 | $1.87 |
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CFRMATV
| Q4 25 | $580.9M | $463.1M | ||
| Q3 25 | $567.3M | $513.7M | ||
| Q2 25 | $546.9M | $525.4M | ||
| Q1 25 | $540.2M | $484.8M | ||
| Q4 24 | $536.3M | $458.6M | ||
| Q3 24 | $518.0M | $498.5M | ||
| Q2 24 | $507.9M | $523.8M | ||
| Q1 24 | $501.4M | $500.2M |
净利润CFRMATV
| Q4 25 | $166.3M | $100.8M | ||
| Q3 25 | $174.4M | $-3.2M | ||
| Q2 25 | $157.0M | $-9.5M | ||
| Q1 25 | $150.9M | $-425.5M | ||
| Q4 24 | $154.9M | $1.5M | ||
| Q3 24 | $146.5M | $-20.8M | ||
| Q2 24 | $145.5M | $-1.4M | ||
| Q1 24 | $135.7M | $-28.0M |
毛利率CFRMATV
| Q4 25 | — | 18.8% | ||
| Q3 25 | — | 19.3% | ||
| Q2 25 | — | 19.7% | ||
| Q1 25 | — | 15.0% | ||
| Q4 24 | — | 16.9% | ||
| Q3 24 | — | 18.8% | ||
| Q2 24 | — | 20.8% | ||
| Q1 24 | — | 16.8% |
营业利润率CFRMATV
| Q4 25 | 34.1% | 2.2% | ||
| Q3 25 | 36.7% | 3.1% | ||
| Q2 25 | 34.1% | 3.8% | ||
| Q1 25 | 33.2% | -88.8% | ||
| Q4 24 | 34.3% | 0.6% | ||
| Q3 24 | 33.8% | 1.4% | ||
| Q2 24 | 34.5% | 2.0% | ||
| Q1 24 | 32.2% | -2.8% |
净利率CFRMATV
| Q4 25 | 28.6% | 21.8% | ||
| Q3 25 | 30.7% | -0.6% | ||
| Q2 25 | 28.7% | -1.8% | ||
| Q1 25 | 27.9% | -87.8% | ||
| Q4 24 | 28.9% | 0.3% | ||
| Q3 24 | 28.3% | -4.2% | ||
| Q2 24 | 28.6% | -0.3% | ||
| Q1 24 | 27.1% | -5.6% |
每股收益（稀释后）CFRMATV
| Q4 25 | $2.56 | $1.87 | ||
| Q3 25 | $2.67 | $-0.06 | ||
| Q2 25 | $2.39 | $-0.18 | ||
| Q1 25 | $2.30 | $-7.82 | ||
| Q4 24 | $2.36 | $0.03 | ||
| Q3 24 | $2.24 | $-0.38 | ||
| Q2 24 | $2.21 | $-0.03 | ||
| Q1 24 | $2.06 | $-0.52 |
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 | — | $84.2M |
| 总债务越低越好 | — | $1.0B |
| 股东权益账面价值 | $4.6B | $498.7M |
| 总资产 | $53.0B | $2.1B |
| 负债/权益比越低杠杆越低 | — | 2.07× |
8季度趋势，按日历期对齐
现金及短期投资CFRMATV
| Q4 25 | — | $84.2M | ||
| Q3 25 | — | $97.1M | ||
| Q2 25 | — | $95.6M | ||
| Q1 25 | — | $84.0M | ||
| Q4 24 | — | $94.3M | ||
| Q3 24 | — | $162.2M | ||
| Q2 24 | — | $133.4M | ||
| Q1 24 | — | $128.9M |
总债务CFRMATV
| Q4 25 | — | $1.0B | ||
| Q3 25 | — | $1.0B | ||
| Q2 25 | — | $1.1B | ||
| Q1 25 | — | $1.1B | ||
| Q4 24 | — | $1.1B | ||
| Q3 24 | — | $1.2B | ||
| Q2 24 | — | $1.2B | ||
| Q1 24 | — | $1.2B |
股东权益CFRMATV
| Q4 25 | $4.6B | $498.7M | ||
| Q3 25 | $4.5B | $397.4M | ||
| Q2 25 | $4.2B | $416.6M | ||
| Q1 25 | $4.1B | $428.2M | ||
| Q4 24 | $3.9B | $858.5M | ||
| Q3 24 | $4.1B | $882.3M | ||
| Q2 24 | $3.7B | $898.0M | ||
| Q1 24 | $3.6B | $906.9M |
总资产CFRMATV
| Q4 25 | $53.0B | $2.1B | ||
| Q3 25 | $52.5B | $2.0B | ||
| Q2 25 | $51.4B | $2.1B | ||
| Q1 25 | $52.0B | $2.1B | ||
| Q4 24 | $52.5B | $2.4B | ||
| Q3 24 | $51.0B | $2.6B | ||
| Q2 24 | $48.8B | $2.6B | ||
| Q1 24 | $49.5B | $2.7B |
负债/权益比CFRMATV
| Q4 25 | — | 2.07× | ||
| Q3 25 | — | 2.63× | ||
| Q2 25 | — | 2.66× | ||
| Q1 25 | — | 2.67× | ||
| Q4 24 | — | 1.30× | ||
| Q3 24 | — | 1.32× | ||
| Q2 24 | — | 1.29× | ||
| Q1 24 | — | 1.30× |
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 | $19.3M |
| 自由现金流经营现金流 - 资本支出 | $127.3M | $8.0M |
| 自由现金流率自由现金流/营收 | 21.9% | 1.7% |
| 资本支出强度资本支出/营收 | 25.2% | 2.4% |
| 现金转化率经营现金流/净利润 | 1.65× | 0.19× |
| 过去12个月自由现金流最近4个季度 | $116.4M | $93.8M |
8季度趋势，按日历期对齐
经营现金流CFRMATV
| Q4 25 | $274.0M | $19.3M | ||
| Q3 25 | $248.6M | $72.8M | ||
| Q2 25 | $140.8M | $57.6M | ||
| Q1 25 | $-296.1M | $-15.9M | ||
| Q4 24 | $989.5M | $24.1M | ||
| Q3 24 | $307.2M | $37.6M | ||
| Q2 24 | $129.6M | $46.1M | ||
| Q1 24 | $488.4M | $-13.0M |
自由现金流CFRMATV
| Q4 25 | $127.3M | $8.0M | ||
| Q3 25 | $211.7M | $66.7M | ||
| Q2 25 | $114.5M | $48.9M | ||
| Q1 25 | $-337.1M | $-29.8M | ||
| Q4 24 | $861.8M | $2.0M | ||
| Q3 24 | $281.9M | $25.5M | ||
| Q2 24 | $103.0M | $37.4M | ||
| Q1 24 | $450.3M | $-25.1M |
自由现金流率CFRMATV
| Q4 25 | 21.9% | 1.7% | ||
| Q3 25 | 37.3% | 13.0% | ||
| Q2 25 | 20.9% | 9.3% | ||
| Q1 25 | -62.4% | -6.1% | ||
| Q4 24 | 160.7% | 0.4% | ||
| Q3 24 | 54.4% | 5.1% | ||
| Q2 24 | 20.3% | 7.1% | ||
| Q1 24 | 89.8% | -5.0% |
资本支出强度CFRMATV
| Q4 25 | 25.2% | 2.4% | ||
| Q3 25 | 6.5% | 1.2% | ||
| Q2 25 | 4.8% | 1.7% | ||
| Q1 25 | 7.6% | 2.9% | ||
| Q4 24 | 23.8% | 4.8% | ||
| Q3 24 | 4.9% | 2.4% | ||
| Q2 24 | 5.2% | 1.7% | ||
| Q1 24 | 7.6% | 2.4% |
现金转化率CFRMATV
| Q4 25 | 1.65× | 0.19× | ||
| Q3 25 | 1.43× | — | ||
| Q2 25 | 0.90× | — | ||
| Q1 25 | -1.96× | — | ||
| Q4 24 | 6.39× | 16.07× | ||
| 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
MATV
| Other | $208.7M | 45% |
| SAS Segment | $157.4M | 34% |
| FAM Segment | $97.0M | 21% |
