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CULLEN/FROST BANKERS, INC.（CFR）与Utz Brands, Inc.（UTZ）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Utz Brands, Inc.的1.7倍（$580.9M vs $341.0M），CULLEN/FROST BANKERS, INC.净利率更高（28.6% vs 0.7%，领先27.9%），CULLEN/FROST BANKERS, INC.同比增速更快（8.3% vs -3.1%），CULLEN/FROST BANKERS, INC.自由现金流更多（$127.3M vs $16.5M），过去两年CULLEN/FROST BANKERS, INC.的营收复合增速更高（7.6% vs -1.5%）
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。
Utz Brands, Inc.常简称为Utz，是总部位于美国宾夕法尼亚州汉诺威的休闲食品企业。该公司主打生产薯片、碱水脆饼等多种休闲食品，大部分产品以旗下品牌矩阵发售，同时也为仓储式会员店和批发商供应休闲零食。
CFR vs UTZ — 直观对比
营收规模更大
CFR
是对方的1.7倍
$341.0M
营收增速更快
CFR
高出11.5%
-3.1%
净利率更高
CFR
高出27.9%
0.7%
自由现金流更多
CFR
多$110.8M
$16.5M
两年增速更快
CFR
近两年复合增速
-1.5%
损益表 — Q4 FY2025 vs Q4 FY2024
| 指标 | | |
|---|---|---|
| 营收 | $580.9M | $341.0M |
| 净利润 | $166.3M | $2.3M |
| 毛利率 | — | 25.5% |
| 营业利润率 | 34.1% | 2.1% |
| 净利率 | 28.6% | 0.7% |
| 营收同比 | 8.3% | -3.1% |
| 净利润同比 | 7.4% | 108.3% |
| 每股收益（稀释后） | $2.56 | $0.04 |
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CFRUTZ
| Q4 25 | $580.9M | — | ||
| Q3 25 | $567.3M | — | ||
| Q2 25 | $546.9M | — | ||
| Q1 25 | $540.2M | — | ||
| Q4 24 | $536.3M | $341.0M | ||
| Q3 24 | $518.0M | $365.5M | ||
| Q2 24 | $507.9M | $356.2M | ||
| Q1 24 | $501.4M | $346.5M |
净利润CFRUTZ
| Q4 25 | $166.3M | — | ||
| Q3 25 | $174.4M | — | ||
| Q2 25 | $157.0M | — | ||
| Q1 25 | $150.9M | — | ||
| Q4 24 | $154.9M | $2.3M | ||
| Q3 24 | $146.5M | $-2.2M | ||
| Q2 24 | $145.5M | $19.8M | ||
| Q1 24 | $135.7M | $-4.0M |
毛利率CFRUTZ
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 25.5% | ||
| Q3 24 | — | 26.9% | ||
| Q2 24 | — | 26.7% | ||
| Q1 24 | — | 25.5% |
营业利润率CFRUTZ
| Q4 25 | 34.1% | — | ||
| Q3 25 | 36.7% | — | ||
| Q2 25 | 34.1% | — | ||
| Q1 25 | 33.2% | — | ||
| Q4 24 | 34.3% | 2.1% | ||
| Q3 24 | 33.8% | 5.3% | ||
| Q2 24 | 34.5% | 6.3% | ||
| Q1 24 | 32.2% | 2.8% |
净利率CFRUTZ
| Q4 25 | 28.6% | — | ||
| Q3 25 | 30.7% | — | ||
| Q2 25 | 28.7% | — | ||
| Q1 25 | 27.9% | — | ||
| Q4 24 | 28.9% | 0.7% | ||
| Q3 24 | 28.3% | -0.6% | ||
| Q2 24 | 28.6% | 5.6% | ||
| Q1 24 | 27.1% | -1.2% |
每股收益（稀释后）CFRUTZ
| Q4 25 | $2.56 | — | ||
| Q3 25 | $2.67 | — | ||
| Q2 25 | $2.39 | — | ||
| Q1 25 | $2.30 | — | ||
| Q4 24 | $2.36 | $0.04 | ||
| Q3 24 | $2.24 | $-0.03 | ||
| Q2 24 | $2.21 | $0.23 | ||
| Q1 24 | $2.06 | $-0.05 |
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 | — | $56.1M |
| 总债务越低越好 | — | $768.6M |
| 股东权益账面价值 | $4.6B | $696.9M |
| 总资产 | $53.0B | $2.7B |
| 负债/权益比越低杠杆越低 | — | 1.10× |
8季度趋势，按日历期对齐
现金及短期投资CFRUTZ
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $56.1M | ||
| Q3 24 | — | $64.9M | ||
| Q2 24 | — | $66.6M | ||
| Q1 24 | — | $47.0M |
总债务CFRUTZ
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $768.6M | ||
| Q3 24 | — | $780.8M | ||
| Q2 24 | — | $797.6M | ||
| Q1 24 | — | $756.9M |
股东权益CFRUTZ
| Q4 25 | $4.6B | — | ||
| Q3 25 | $4.5B | — | ||
| Q2 25 | $4.2B | — | ||
| Q1 25 | $4.1B | — | ||
| Q4 24 | $3.9B | $696.9M | ||
| Q3 24 | $4.1B | $685.7M | ||
| Q2 24 | $3.7B | $686.0M | ||
| Q1 24 | $3.6B | $671.1M |
总资产CFRUTZ
| Q4 25 | $53.0B | — | ||
| Q3 25 | $52.5B | — | ||
| Q2 25 | $51.4B | — | ||
| Q1 25 | $52.0B | — | ||
| Q4 24 | $52.5B | $2.7B | ||
| Q3 24 | $51.0B | $2.6B | ||
| Q2 24 | $48.8B | $2.7B | ||
| Q1 24 | $49.5B | $2.6B |
负债/权益比CFRUTZ
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.10× | ||
| Q3 24 | — | 1.14× | ||
| Q2 24 | — | 1.16× | ||
| Q1 24 | — | 1.13× |
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 | $54.2M |
| 自由现金流经营现金流 - 资本支出 | $127.3M | $16.5M |
| 自由现金流率自由现金流/营收 | 21.9% | 4.8% |
| 资本支出强度资本支出/营收 | 25.2% | 11.1% |
| 现金转化率经营现金流/净利润 | 1.65× | 23.67× |
| 过去12个月自由现金流最近4个季度 | $116.4M | $7.6M |
8季度趋势，按日历期对齐
经营现金流CFRUTZ
| Q4 25 | $274.0M | — | ||
| Q3 25 | $248.6M | — | ||
| Q2 25 | $140.8M | — | ||
| Q1 25 | $-296.1M | — | ||
| Q4 24 | $989.5M | $54.2M | ||
| Q3 24 | $307.2M | $52.2M | ||
| Q2 24 | $129.6M | $8.9M | ||
| Q1 24 | $488.4M | $-9.1M |
自由现金流CFRUTZ
| Q4 25 | $127.3M | — | ||
| Q3 25 | $211.7M | — | ||
| Q2 25 | $114.5M | — | ||
| Q1 25 | $-337.1M | — | ||
| Q4 24 | $861.8M | $16.5M | ||
| Q3 24 | $281.9M | $29.1M | ||
| Q2 24 | $103.0M | $-15.3M | ||
| Q1 24 | $450.3M | $-22.7M |
自由现金流率CFRUTZ
| Q4 25 | 21.9% | — | ||
| Q3 25 | 37.3% | — | ||
| Q2 25 | 20.9% | — | ||
| Q1 25 | -62.4% | — | ||
| Q4 24 | 160.7% | 4.8% | ||
| Q3 24 | 54.4% | 8.0% | ||
| Q2 24 | 20.3% | -4.3% | ||
| Q1 24 | 89.8% | -6.5% |
资本支出强度CFRUTZ
| Q4 25 | 25.2% | — | ||
| Q3 25 | 6.5% | — | ||
| Q2 25 | 4.8% | — | ||
| Q1 25 | 7.6% | — | ||
| Q4 24 | 23.8% | 11.1% | ||
| Q3 24 | 4.9% | 6.3% | ||
| Q2 24 | 5.2% | 6.8% | ||
| Q1 24 | 7.6% | 3.9% |
现金转化率CFRUTZ
| Q4 25 | 1.65× | — | ||
| Q3 25 | 1.43× | — | ||
| Q2 25 | 0.90× | — | ||
| Q1 25 | -1.96× | — | ||
| Q4 24 | 6.39× | 23.67× | ||
| Q3 24 | 2.10× | — | ||
| Q2 24 | 0.89× | 0.45× | ||
| 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
