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CULLEN/FROST BANKERS, INC.（CFR）与Reddit, Inc.（RDDT）财务数据对比。点击上方公司名可切换其他公司
Reddit, Inc.的季度营收约是CULLEN/FROST BANKERS, INC.的1.1倍（$663.0M vs $580.9M），Reddit, Inc.净利率更高（30.8% vs 28.6%，领先2.1%），Reddit, Inc.同比增速更快（69.0% vs 8.3%），Reddit, Inc.自由现金流更多（$311.0M vs $127.3M），过去两年Reddit, Inc.的营收复合增速更高（53.6% 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。
Reddit是美国知名的社交新闻聚合与论坛类社交媒体平台，注册用户可发布链接、文字帖、图片、视频等各类内容，其他用户可对内容进行点赞或点踩，内容按主题归类到用户创建的子板块中，获赞更高的内容会排在板块前列，热度足够的内容还将展示在全站首页。
CFR vs RDDT — 直观对比
营收规模更大
RDDT
是对方的1.1倍
$580.9M
营收增速更快
RDDT
高出60.7%
8.3%
净利率更高
RDDT
高出2.1%
28.6%
自由现金流更多
RDDT
多$183.7M
$127.3M
两年增速更快
RDDT
近两年复合增速
7.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $580.9M | $663.0M |
| 净利润 | $166.3M | $204.0M |
| 毛利率 | — | 100.0% |
| 营业利润率 | 34.1% | 0.0% |
| 净利率 | 28.6% | 30.8% |
| 营收同比 | 8.3% | 69.0% |
| 净利润同比 | 7.4% | 680.0% |
| 每股收益（稀释后） | $2.56 | $1.01 |
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CFRRDDT
| Q1 26 | — | $663.0M | ||
| Q4 25 | $580.9M | $725.6M | ||
| Q3 25 | $567.3M | $584.9M | ||
| Q2 25 | $546.9M | $499.6M | ||
| Q1 25 | $540.2M | $392.4M | ||
| Q4 24 | $536.3M | $427.7M | ||
| Q3 24 | $518.0M | $348.4M | ||
| Q2 24 | $507.9M | $281.2M |
净利润CFRRDDT
| Q1 26 | — | $204.0M | ||
| Q4 25 | $166.3M | $251.6M | ||
| Q3 25 | $174.4M | $162.7M | ||
| Q2 25 | $157.0M | $89.3M | ||
| Q1 25 | $150.9M | $26.2M | ||
| Q4 24 | $154.9M | $71.0M | ||
| Q3 24 | $146.5M | $29.9M | ||
| Q2 24 | $145.5M | $-10.1M |
毛利率CFRRDDT
| Q1 26 | — | 100.0% | ||
| Q4 25 | — | 91.9% | ||
| Q3 25 | — | 91.0% | ||
| Q2 25 | — | 90.8% | ||
| Q1 25 | — | 90.5% | ||
| Q4 24 | — | 92.6% | ||
| Q3 24 | — | 90.1% | ||
| Q2 24 | — | 89.5% |
营业利润率CFRRDDT
| Q1 26 | — | 0.0% | ||
| Q4 25 | 34.1% | 31.9% | ||
| Q3 25 | 36.7% | 23.7% | ||
| Q2 25 | 34.1% | 13.6% | ||
| Q1 25 | 33.2% | 1.0% | ||
| Q4 24 | 34.3% | 12.4% | ||
| Q3 24 | 33.8% | 2.0% | ||
| Q2 24 | 34.5% | -11.0% |
净利率CFRRDDT
| Q1 26 | — | 30.8% | ||
| Q4 25 | 28.6% | 34.7% | ||
| Q3 25 | 30.7% | 27.8% | ||
| Q2 25 | 28.7% | 17.9% | ||
| Q1 25 | 27.9% | 6.7% | ||
| Q4 24 | 28.9% | 16.6% | ||
| Q3 24 | 28.3% | 8.6% | ||
| Q2 24 | 28.6% | -3.6% |
每股收益（稀释后）CFRRDDT
| Q1 26 | — | $1.01 | ||
| Q4 25 | $2.56 | $1.24 | ||
| Q3 25 | $2.67 | $0.80 | ||
| Q2 25 | $2.39 | $0.45 | ||
| Q1 25 | $2.30 | $0.13 | ||
| Q4 24 | $2.36 | $4.76 | ||
| Q3 24 | $2.24 | $0.16 | ||
| Q2 24 | $2.21 | $-0.06 |
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 | — | $1.4B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $4.6B | $3.2B |
| 总资产 | $53.0B | $3.5B |
| 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CFRRDDT
| Q1 26 | — | $1.4B | ||
| Q4 25 | — | $953.6M | ||
| Q3 25 | — | $911.7M | ||
| Q2 25 | — | $734.1M | ||
| Q1 25 | — | $635.7M | ||
| Q4 24 | — | $562.1M | ||
| Q3 24 | — | $515.9M | ||
| Q2 24 | — | $468.0M |
股东权益CFRRDDT
| Q1 26 | — | $3.2B | ||
| Q4 25 | $4.6B | $2.9B | ||
| Q3 25 | $4.5B | $2.6B | ||
| Q2 25 | $4.2B | $2.4B | ||
| Q1 25 | $4.1B | $2.2B | ||
| Q4 24 | $3.9B | $2.1B | ||
| Q3 24 | $4.1B | $2.0B | ||
| Q2 24 | $3.7B | $1.9B |
总资产CFRRDDT
| Q1 26 | — | $3.5B | ||
| Q4 25 | $53.0B | $3.2B | ||
| Q3 25 | $52.5B | $2.9B | ||
| Q2 25 | $51.4B | $2.6B | ||
| Q1 25 | $52.0B | $2.4B | ||
| Q4 24 | $52.5B | $2.3B | ||
| Q3 24 | $51.0B | $2.2B | ||
| Q2 24 | $48.8B | $2.1B |
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 | — |
| 自由现金流经营现金流 - 资本支出 | $127.3M | $311.0M |
| 自由现金流率自由现金流/营收 | 21.9% | 46.9% |
| 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× | — |
| 过去12个月自由现金流最近4个季度 | $116.4M | $868.6M |
8季度趋势，按日历期对齐
经营现金流CFRRDDT
| Q1 26 | — | — | ||
| Q4 25 | $274.0M | $266.8M | ||
| Q3 25 | $248.6M | $185.2M | ||
| Q2 25 | $140.8M | $111.3M | ||
| Q1 25 | $-296.1M | $127.6M | ||
| Q4 24 | $989.5M | $90.0M | ||
| Q3 24 | $307.2M | $71.6M | ||
| Q2 24 | $129.6M | $28.4M |
自由现金流CFRRDDT
| Q1 26 | — | $311.0M | ||
| Q4 25 | $127.3M | $263.6M | ||
| Q3 25 | $211.7M | $183.1M | ||
| Q2 25 | $114.5M | $110.8M | ||
| Q1 25 | $-337.1M | $126.6M | ||
| Q4 24 | $861.8M | $89.2M | ||
| Q3 24 | $281.9M | $70.3M | ||
| Q2 24 | $103.0M | $27.2M |
自由现金流率CFRRDDT
| Q1 26 | — | 46.9% | ||
| Q4 25 | 21.9% | 36.3% | ||
| Q3 25 | 37.3% | 31.3% | ||
| Q2 25 | 20.9% | 22.2% | ||
| Q1 25 | -62.4% | 32.3% | ||
| Q4 24 | 160.7% | 20.8% | ||
| Q3 24 | 54.4% | 20.2% | ||
| Q2 24 | 20.3% | 9.7% |
资本支出强度CFRRDDT
| Q1 26 | — | — | ||
| Q4 25 | 25.2% | 0.4% | ||
| Q3 25 | 6.5% | 0.4% | ||
| Q2 25 | 4.8% | 0.1% | ||
| Q1 25 | 7.6% | 0.2% | ||
| Q4 24 | 23.8% | 0.2% | ||
| Q3 24 | 4.9% | 0.4% | ||
| Q2 24 | 5.2% | 0.4% |
现金转化率CFRRDDT
| Q1 26 | — | — | ||
| Q4 25 | 1.65× | 1.06× | ||
| Q3 25 | 1.43× | 1.14× | ||
| Q2 25 | 0.90× | 1.25× | ||
| Q1 25 | -1.96× | 4.88× | ||
| Q4 24 | 6.39× | 1.27× | ||
| Q3 24 | 2.10× | 2.40× | ||
| Q2 24 | 0.89× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
