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CULLEN/FROST BANKERS, INC.（CFR）与Stitch Fix, Inc.（SFIX）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Stitch Fix, Inc.的1.7倍（$580.9M vs $342.1M），CULLEN/FROST BANKERS, INC.净利率更高（28.6% vs -1.9%，领先30.5%），CULLEN/FROST BANKERS, INC.同比增速更快（8.3% vs 7.3%），CULLEN/FROST BANKERS, INC.自由现金流更多（$127.3M vs $5.6M），过去两年CULLEN/FROST BANKERS, INC.的营收复合增速更高（7.6% vs 1.8%）
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。
Stitch Fix是美国的在线个人造型服务平台，依托推荐算法与数据科学技术，根据顾客的身形尺寸、预算和风格偏好推送个性化服饰单品。该公司创立于2011年，2017年完成首次公开募股，目前总部位于旧金山。
CFR vs SFIX — 直观对比
营收规模更大
CFR
是对方的1.7倍
$342.1M
营收增速更快
CFR
高出1.0%
7.3%
净利率更高
CFR
高出30.5%
-1.9%
自由现金流更多
CFR
多$121.8M
$5.6M
两年增速更快
CFR
近两年复合增速
1.8%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $580.9M | $342.1M |
| 净利润 | $166.3M | $-6.4M |
| 毛利率 | — | 43.6% |
| 营业利润率 | 34.1% | -2.5% |
| 净利率 | 28.6% | -1.9% |
| 营收同比 | 8.3% | 7.3% |
| 净利润同比 | 7.4% | -1.7% |
| 每股收益（稀释后） | $2.56 | $-0.05 |
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CFRSFIX
| Q4 25 | $580.9M | $342.1M | ||
| Q3 25 | $567.3M | $311.2M | ||
| Q2 25 | $546.9M | $325.0M | ||
| Q1 25 | $540.2M | $312.1M | ||
| Q4 24 | $536.3M | $318.8M | ||
| Q3 24 | $518.0M | $319.6M | ||
| Q2 24 | $507.9M | $322.7M | ||
| Q1 24 | $501.4M | $330.4M |
净利润CFRSFIX
| Q4 25 | $166.3M | $-6.4M | ||
| Q3 25 | $174.4M | $-8.6M | ||
| Q2 25 | $157.0M | $-7.4M | ||
| Q1 25 | $150.9M | $-6.5M | ||
| Q4 24 | $154.9M | $-6.3M | ||
| Q3 24 | $146.5M | $-36.5M | ||
| Q2 24 | $145.5M | $-21.3M | ||
| Q1 24 | $135.7M | $-35.5M |
毛利率CFRSFIX
| Q4 25 | — | 43.6% | ||
| Q3 25 | — | 43.6% | ||
| Q2 25 | — | 44.2% | ||
| Q1 25 | — | 44.5% | ||
| Q4 24 | — | 45.4% | ||
| Q3 24 | — | 44.6% | ||
| Q2 24 | — | 45.5% | ||
| Q1 24 | — | 43.4% |
营业利润率CFRSFIX
| Q4 25 | 34.1% | -2.5% | ||
| Q3 25 | 36.7% | -3.6% | ||
| Q2 25 | 34.1% | -3.0% | ||
| Q1 25 | 33.2% | -2.9% | ||
| Q4 24 | 34.3% | -2.8% | ||
| Q3 24 | 33.8% | -13.1% | ||
| Q2 24 | 34.5% | -7.7% | ||
| Q1 24 | 32.2% | -11.5% |
净利率CFRSFIX
| Q4 25 | 28.6% | -1.9% | ||
| Q3 25 | 30.7% | -2.8% | ||
| Q2 25 | 28.7% | -2.3% | ||
| Q1 25 | 27.9% | -2.1% | ||
| Q4 24 | 28.9% | -2.0% | ||
| Q3 24 | 28.3% | -11.4% | ||
| Q2 24 | 28.6% | -6.6% | ||
| Q1 24 | 27.1% | -10.8% |
每股收益（稀释后）CFRSFIX
| Q4 25 | $2.56 | $-0.05 | ||
| Q3 25 | $2.67 | $-0.06 | ||
| Q2 25 | $2.39 | $-0.06 | ||
| Q1 25 | $2.30 | $-0.05 | ||
| Q4 24 | $2.36 | $-0.05 | ||
| Q3 24 | $2.24 | $-0.29 | ||
| Q2 24 | $2.21 | $-0.18 | ||
| Q1 24 | $2.06 | $-0.30 |
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 | — | $244.2M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $4.6B | $204.1M |
| 总资产 | $53.0B | $530.7M |
| 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CFRSFIX
| Q4 25 | — | $244.2M | ||
| Q3 25 | — | $234.9M | ||
| Q2 25 | — | $234.2M | ||
| Q1 25 | — | $219.1M | ||
| Q4 24 | — | $253.3M | ||
| Q3 24 | — | $247.0M | ||
| Q2 24 | — | $244.5M | ||
| Q1 24 | — | $229.8M |
股东权益CFRSFIX
| Q4 25 | $4.6B | $204.1M | ||
| Q3 25 | $4.5B | $203.0M | ||
| Q2 25 | $4.2B | $200.4M | ||
| Q1 25 | $4.1B | $197.8M | ||
| Q4 24 | $3.9B | $190.5M | ||
| Q3 24 | $4.1B | $187.0M | ||
| Q2 24 | $3.7B | $208.9M | ||
| Q1 24 | $3.6B | $213.3M |
总资产CFRSFIX
| Q4 25 | $53.0B | $530.7M | ||
| Q3 25 | $52.5B | $480.6M | ||
| Q2 25 | $51.4B | $484.7M | ||
| Q1 25 | $52.0B | $472.6M | ||
| Q4 24 | $52.5B | $507.1M | ||
| Q3 24 | $51.0B | $486.9M | ||
| Q2 24 | $48.8B | $537.0M | ||
| Q1 24 | $49.5B | $538.3M |
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 | $10.9M |
| 自由现金流经营现金流 - 资本支出 | $127.3M | $5.6M |
| 自由现金流率自由现金流/营收 | 21.9% | 1.6% |
| 资本支出强度资本支出/营收 | 25.2% | 1.6% |
| 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 | $4.9M |
8季度趋势，按日历期对齐
经营现金流CFRSFIX
| Q4 25 | $274.0M | $10.9M | ||
| Q3 25 | $248.6M | $7.0M | ||
| Q2 25 | $140.8M | $20.5M | ||
| Q1 25 | $-296.1M | $-16.2M | ||
| Q4 24 | $989.5M | $14.3M | ||
| Q3 24 | $307.2M | $8.2M | ||
| Q2 24 | $129.6M | $21.7M | ||
| Q1 24 | $488.4M | $-22.3M |
自由现金流CFRSFIX
| Q4 25 | $127.3M | $5.6M | ||
| Q3 25 | $211.7M | $2.8M | ||
| Q2 25 | $114.5M | $16.0M | ||
| Q1 25 | $-337.1M | $-19.4M | ||
| Q4 24 | $861.8M | $9.9M | ||
| Q3 24 | $281.9M | $4.5M | ||
| Q2 24 | $103.0M | $18.9M | ||
| Q1 24 | $450.3M | $-26.1M |
自由现金流率CFRSFIX
| Q4 25 | 21.9% | 1.6% | ||
| Q3 25 | 37.3% | 0.9% | ||
| Q2 25 | 20.9% | 4.9% | ||
| Q1 25 | -62.4% | -6.2% | ||
| Q4 24 | 160.7% | 3.1% | ||
| Q3 24 | 54.4% | 1.4% | ||
| Q2 24 | 20.3% | 5.9% | ||
| Q1 24 | 89.8% | -7.9% |
资本支出强度CFRSFIX
| Q4 25 | 25.2% | 1.6% | ||
| Q3 25 | 6.5% | 1.4% | ||
| Q2 25 | 4.8% | 1.4% | ||
| Q1 25 | 7.6% | 1.0% | ||
| Q4 24 | 23.8% | 1.4% | ||
| Q3 24 | 4.9% | 1.2% | ||
| Q2 24 | 5.2% | 0.9% | ||
| Q1 24 | 7.6% | 1.1% |
现金转化率CFRSFIX
| Q4 25 | 1.65× | — | ||
| Q3 25 | 1.43× | — | ||
| Q2 25 | 0.90× | — | ||
| Q1 25 | -1.96× | — | ||
| 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
