vs
CULLEN/FROST BANKERS, INC.（CFR）与Rollins, Inc.（ROL）财务数据对比。点击上方公司名可切换其他公司
Rollins, Inc.的季度营收约是CULLEN/FROST BANKERS, INC.的1.6倍（$906.4M vs $580.9M），CULLEN/FROST BANKERS, INC.净利率更高（28.6% vs 11.9%，领先16.7%），Rollins, Inc.同比增速更快（10.2% vs 8.3%），CULLEN/FROST BANKERS, INC.自由现金流更多（$127.3M vs $111.2M），过去两年CULLEN/FROST BANKERS, INC.的营收复合增速更高（7.6% vs 0.8%）
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。
Rollins, Inc.是北美知名虫害防治服务商，面向住宅及商业客户提供专业防控服务。公司依托Orkin、HomeTeam Pest Defense等多家全资子公司布局全球业务，覆盖北美、英国等市场，在民用及商用虫害治理领域具备深厚的行业积累与品牌优势。
CFR vs ROL — 直观对比
营收规模更大
ROL
是对方的1.6倍
$580.9M
营收增速更快
ROL
高出1.9%
8.3%
净利率更高
CFR
高出16.7%
11.9%
自由现金流更多
CFR
多$16.1M
$111.2M
两年增速更快
CFR
近两年复合增速
0.8%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $580.9M | $906.4M |
| 净利润 | $166.3M | $107.8M |
| 毛利率 | — | — |
| 营业利润率 | 34.1% | 16.1% |
| 净利率 | 28.6% | 11.9% |
| 营收同比 | 8.3% | 10.2% |
| 净利润同比 | 7.4% | 2.5% |
| 每股收益（稀释后） | $2.56 | $0.22 |
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CFRROL
| Q1 26 | — | $906.4M | ||
| Q4 25 | $580.9M | $912.9M | ||
| Q3 25 | $567.3M | $1.0B | ||
| Q2 25 | $546.9M | $999.5M | ||
| Q1 25 | $540.2M | $822.5M | ||
| Q4 24 | $536.3M | $832.2M | ||
| Q3 24 | $518.0M | $916.3M | ||
| Q2 24 | $507.9M | $891.9M |
净利润CFRROL
| Q1 26 | — | $107.8M | ||
| Q4 25 | $166.3M | $116.4M | ||
| Q3 25 | $174.4M | $163.5M | ||
| Q2 25 | $157.0M | $141.5M | ||
| Q1 25 | $150.9M | $105.2M | ||
| Q4 24 | $154.9M | $105.7M | ||
| Q3 24 | $146.5M | $136.9M | ||
| Q2 24 | $145.5M | $129.4M |
营业利润率CFRROL
| Q1 26 | — | 16.1% | ||
| Q4 25 | 34.1% | 17.5% | ||
| Q3 25 | 36.7% | 21.9% | ||
| Q2 25 | 34.1% | 19.8% | ||
| Q1 25 | 33.2% | 17.3% | ||
| Q4 24 | 34.3% | 18.1% | ||
| Q3 24 | 33.8% | 20.9% | ||
| Q2 24 | 34.5% | 20.4% |
净利率CFRROL
| Q1 26 | — | 11.9% | ||
| Q4 25 | 28.6% | 12.8% | ||
| Q3 25 | 30.7% | 15.9% | ||
| Q2 25 | 28.7% | 14.2% | ||
| Q1 25 | 27.9% | 12.8% | ||
| Q4 24 | 28.9% | 12.7% | ||
| Q3 24 | 28.3% | 14.9% | ||
| Q2 24 | 28.6% | 14.5% |
每股收益（稀释后）CFRROL
| Q1 26 | — | $0.22 | ||
| Q4 25 | $2.56 | $0.24 | ||
| Q3 25 | $2.67 | $0.34 | ||
| Q2 25 | $2.39 | $0.29 | ||
| Q1 25 | $2.30 | $0.22 | ||
| Q4 24 | $2.36 | $0.22 | ||
| Q3 24 | $2.24 | $0.28 | ||
| Q2 24 | $2.21 | $0.27 |
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 | — | $116.5M |
| 总债务越低越好 | — | $650.6M |
| 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 | — | 0.47× |
8季度趋势，按日历期对齐
现金及短期投资CFRROL
| Q1 26 | — | $116.5M | ||
| Q4 25 | — | $100.0M | ||
| Q3 25 | — | $127.4M | ||
| Q2 25 | — | $123.0M | ||
| Q1 25 | — | $201.2M | ||
| Q4 24 | — | $89.6M | ||
| Q3 24 | — | $95.3M | ||
| Q2 24 | — | $106.7M |
总债务CFRROL
| Q1 26 | — | $650.6M | ||
| Q4 25 | — | $486.1M | ||
| Q3 25 | — | $485.7M | ||
| Q2 25 | — | $485.3M | ||
| Q1 25 | — | $485.5M | ||
| Q4 24 | — | $395.3M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益CFRROL
| Q1 26 | — | $1.4B | ||
| Q4 25 | $4.6B | $1.4B | ||
| Q3 25 | $4.5B | $1.5B | ||
| Q2 25 | $4.2B | $1.4B | ||
| Q1 25 | $4.1B | $1.4B | ||
| Q4 24 | $3.9B | $1.3B | ||
| Q3 24 | $4.1B | $1.3B | ||
| Q2 24 | $3.7B | $1.2B |
总资产CFRROL
| Q1 26 | — | $3.2B | ||
| Q4 25 | $53.0B | $3.1B | ||
| Q3 25 | $52.5B | $3.2B | ||
| Q2 25 | $51.4B | $3.2B | ||
| Q1 25 | $52.0B | $2.9B | ||
| Q4 24 | $52.5B | $2.8B | ||
| Q3 24 | $51.0B | $2.8B | ||
| Q2 24 | $48.8B | $2.8B |
负债/权益比CFRROL
| Q1 26 | — | 0.47× | ||
| Q4 25 | — | 0.35× | ||
| Q3 25 | — | 0.32× | ||
| Q2 25 | — | 0.34× | ||
| Q1 25 | — | 0.36× | ||
| Q4 24 | — | 0.30× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | $118.4M |
| 自由现金流经营现金流 - 资本支出 | $127.3M | $111.2M |
| 自由现金流率自由现金流/营收 | 21.9% | 12.3% |
| 资本支出强度资本支出/营收 | 25.2% | 0.8% |
| 现金转化率经营现金流/净利润 | 1.65× | 1.10× |
| 过去12个月自由现金流最近4个季度 | $116.4M | $621.1M |
8季度趋势，按日历期对齐
经营现金流CFRROL
| Q1 26 | — | $118.4M | ||
| Q4 25 | $274.0M | $164.7M | ||
| Q3 25 | $248.6M | $191.3M | ||
| Q2 25 | $140.8M | $175.1M | ||
| Q1 25 | $-296.1M | $146.9M | ||
| Q4 24 | $989.5M | $188.2M | ||
| Q3 24 | $307.2M | $146.9M | ||
| Q2 24 | $129.6M | $145.1M |
自由现金流CFRROL
| Q1 26 | — | $111.2M | ||
| Q4 25 | $127.3M | $159.0M | ||
| Q3 25 | $211.7M | $182.8M | ||
| Q2 25 | $114.5M | $168.0M | ||
| Q1 25 | $-337.1M | $140.1M | ||
| Q4 24 | $861.8M | $184.0M | ||
| Q3 24 | $281.9M | $139.4M | ||
| Q2 24 | $103.0M | $136.4M |
自由现金流率CFRROL
| Q1 26 | — | 12.3% | ||
| Q4 25 | 21.9% | 17.4% | ||
| Q3 25 | 37.3% | 17.8% | ||
| Q2 25 | 20.9% | 16.8% | ||
| Q1 25 | -62.4% | 17.0% | ||
| Q4 24 | 160.7% | 22.1% | ||
| Q3 24 | 54.4% | 15.2% | ||
| Q2 24 | 20.3% | 15.3% |
资本支出强度CFRROL
| Q1 26 | — | 0.8% | ||
| Q4 25 | 25.2% | 0.6% | ||
| Q3 25 | 6.5% | 0.8% | ||
| Q2 25 | 4.8% | 0.7% | ||
| Q1 25 | 7.6% | 0.8% | ||
| Q4 24 | 23.8% | 0.5% | ||
| Q3 24 | 4.9% | 0.8% | ||
| Q2 24 | 5.2% | 1.0% |
现金转化率CFRROL
| Q1 26 | — | 1.10× | ||
| Q4 25 | 1.65× | 1.41× | ||
| Q3 25 | 1.43× | 1.17× | ||
| Q2 25 | 0.90× | 1.24× | ||
| Q1 25 | -1.96× | 1.40× | ||
| Q4 24 | 6.39× | 1.78× | ||
| Q3 24 | 2.10× | 1.07× | ||
| Q2 24 | 0.89× | 1.12× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
