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CULLEN/FROST BANKERS, INC.（CFR）与RBC Bearings INC（RBC）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RBC Bearings INC的1.3倍（$580.9M vs $461.6M），CULLEN/FROST BANKERS, INC.净利率更高（28.6% vs 14.6%，领先14.0%），RBC Bearings INC同比增速更快（17.0% vs 8.3%），CULLEN/FROST BANKERS, INC.自由现金流更多（$127.3M vs $99.1M），过去两年CULLEN/FROST BANKERS, INC.的营收复合增速更高（7.6% vs 5.6%）
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。
该文本实际介绍的并非RBC Bearings，而是美国多佛公司。多佛是一家工业产品综合制造商，1955年成立，总部位于伊利诺伊州当纳斯格罗夫。2021年其业务分为五大板块：工程产品、清洁能源与加注、成像与识别、泵与工艺解决方案、气候与可持续技术，是标普500成分股，在纽约证券交易所上市。
CFR vs RBC — 直观对比
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $580.9M | $461.6M |
| 净利润 | $166.3M | $67.4M |
| 毛利率 | — | 44.3% |
| 营业利润率 | 34.1% | 22.3% |
| 净利率 | 28.6% | 14.6% |
| 营收同比 | 8.3% | 17.0% |
| 净利润同比 | 7.4% | 16.4% |
| 每股收益（稀释后） | $2.56 | $2.13 |
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 | $461.6M | ||
| Q3 25 | $567.3M | $455.3M | ||
| Q2 25 | $546.9M | $436.0M | ||
| Q1 25 | $540.2M | $437.7M | ||
| Q4 24 | $536.3M | $394.4M | ||
| Q3 24 | $518.0M | $397.9M | ||
| Q2 24 | $507.9M | $406.3M | ||
| Q1 24 | $501.4M | $413.7M |
| Q4 25 | $166.3M | $67.4M | ||
| Q3 25 | $174.4M | $60.0M | ||
| Q2 25 | $157.0M | $68.5M | ||
| Q1 25 | $150.9M | $72.7M | ||
| Q4 24 | $154.9M | $57.9M | ||
| Q3 24 | $146.5M | $54.2M | ||
| Q2 24 | $145.5M | $61.4M | ||
| Q1 24 | $135.7M | — |
| Q4 25 | — | 44.3% | ||
| Q3 25 | — | 44.1% | ||
| Q2 25 | — | 44.8% | ||
| Q1 25 | — | 44.2% | ||
| Q4 24 | — | 44.3% | ||
| Q3 24 | — | 43.7% | ||
| Q2 24 | — | 45.3% | ||
| Q1 24 | — | 43.1% |
| Q4 25 | 34.1% | 22.3% | ||
| Q3 25 | 36.7% | 21.5% | ||
| Q2 25 | 34.1% | 23.2% | ||
| Q1 25 | 33.2% | 23.0% | ||
| Q4 24 | 34.3% | 21.7% | ||
| Q3 24 | 33.8% | 21.6% | ||
| Q2 24 | 34.5% | 24.0% | ||
| Q1 24 | 32.2% | 22.8% |
| Q4 25 | 28.6% | 14.6% | ||
| Q3 25 | 30.7% | 13.2% | ||
| Q2 25 | 28.7% | 15.7% | ||
| Q1 25 | 27.9% | 16.6% | ||
| Q4 24 | 28.9% | 14.7% | ||
| Q3 24 | 28.3% | 13.6% | ||
| Q2 24 | 28.6% | 15.1% | ||
| Q1 24 | 27.1% | — |
| Q4 25 | $2.56 | $2.13 | ||
| Q3 25 | $2.67 | $1.90 | ||
| Q2 25 | $2.39 | $2.17 | ||
| Q1 25 | $2.30 | $2.33 | ||
| Q4 24 | $2.36 | $1.82 | ||
| Q3 24 | $2.24 | $1.65 | ||
| Q2 24 | $2.21 | $1.90 | ||
| Q1 24 | $2.06 | $1.92 |
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 | — | $107.6M |
| 总债务越低越好 | — | $990.2M |
| 股东权益账面价值 | $4.6B | $3.3B |
| 总资产 | $53.0B | $5.1B |
| 负债/权益比越低杠杆越低 | — | 0.30× |
8季度趋势，按日历期对齐
| Q4 25 | — | $107.6M | ||
| Q3 25 | — | $91.2M | ||
| Q2 25 | — | $132.9M | ||
| Q1 25 | — | $36.8M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $76.8M | ||
| Q1 24 | — | $63.5M |
| Q4 25 | — | $990.2M | ||
| Q3 25 | — | $1.1B | ||
| Q2 25 | — | $915.6M | ||
| Q1 25 | — | $920.1M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $1.2B |
| Q4 25 | $4.6B | $3.3B | ||
| Q3 25 | $4.5B | $3.2B | ||
| Q2 25 | $4.2B | $3.1B | ||
| Q1 25 | $4.1B | $3.0B | ||
| Q4 24 | $3.9B | $2.9B | ||
| Q3 24 | $4.1B | $2.9B | ||
| Q2 24 | $3.7B | $2.8B | ||
| Q1 24 | $3.6B | $2.8B |
| Q4 25 | $53.0B | $5.1B | ||
| Q3 25 | $52.5B | $5.1B | ||
| Q2 25 | $51.4B | $4.8B | ||
| Q1 25 | $52.0B | $4.7B | ||
| Q4 24 | $52.5B | $4.7B | ||
| Q3 24 | $51.0B | $4.7B | ||
| Q2 24 | $48.8B | $4.7B | ||
| Q1 24 | $49.5B | $4.7B |
| Q4 25 | — | 0.30× | ||
| Q3 25 | — | 0.34× | ||
| Q2 25 | — | 0.29× | ||
| Q1 25 | — | 0.30× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 0.43× |
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 | $122.1M |
| 自由现金流经营现金流 - 资本支出 | $127.3M | $99.1M |
| 自由现金流率自由现金流/营收 | 21.9% | 21.5% |
| 资本支出强度资本支出/营收 | 25.2% | 5.0% |
| 现金转化率经营现金流/净利润 | 1.65× | 1.81× |
| 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
| Q4 25 | $274.0M | $122.1M | ||
| Q3 25 | $248.6M | $88.4M | ||
| Q2 25 | $140.8M | $120.0M | ||
| Q1 25 | $-296.1M | — | ||
| Q4 24 | $989.5M | $84.0M | ||
| Q3 24 | $307.2M | — | ||
| Q2 24 | $129.6M | $97.4M | ||
| Q1 24 | $488.4M | — |
| Q4 25 | $127.3M | $99.1M | ||
| Q3 25 | $211.7M | $71.7M | ||
| Q2 25 | $114.5M | $104.3M | ||
| Q1 25 | $-337.1M | — | ||
| Q4 24 | $861.8M | $73.6M | ||
| Q3 24 | $281.9M | — | ||
| Q2 24 | $103.0M | $88.4M | ||
| Q1 24 | $450.3M | — |
| Q4 25 | 21.9% | 21.5% | ||
| Q3 25 | 37.3% | 15.7% | ||
| Q2 25 | 20.9% | 23.9% | ||
| Q1 25 | -62.4% | — | ||
| Q4 24 | 160.7% | 18.7% | ||
| Q3 24 | 54.4% | — | ||
| Q2 24 | 20.3% | 21.8% | ||
| Q1 24 | 89.8% | — |
| Q4 25 | 25.2% | 5.0% | ||
| Q3 25 | 6.5% | 3.7% | ||
| Q2 25 | 4.8% | 3.6% | ||
| Q1 25 | 7.6% | 3.2% | ||
| Q4 24 | 23.8% | 2.6% | ||
| Q3 24 | 4.9% | 4.1% | ||
| Q2 24 | 5.2% | 2.2% | ||
| Q1 24 | 7.6% | — |
| Q4 25 | 1.65× | 1.81× | ||
| Q3 25 | 1.43× | 1.47× | ||
| Q2 25 | 0.90× | 1.75× | ||
| Q1 25 | -1.96× | — | ||
| Q4 24 | 6.39× | 1.45× | ||
| Q3 24 | 2.10× | — | ||
| Q2 24 | 0.89× | 1.59× | ||
| 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
RBC
| Domestic | $413.3M | 90% |
| Foreign | $48.3M | 10% |
