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南玻集团（CSGS）与PROSPERITY BANCSHARES INC（PB）财务数据对比。点击上方公司名可切换其他公司
PROSPERITY BANCSHARES INC的季度营收约是南玻集团的1.1倍（$367.6M vs $323.1M），PROSPERITY BANCSHARES INC净利率更高（31.6% vs 2.2%，领先29.5%），过去两年PROSPERITY BANCSHARES INC的营收复合增速更高（19.2% vs 4.6%）
中国南玻集团股份有限公司是中国规模最大的建筑玻璃生产商，业务涵盖浮法玻璃、建筑玻璃、显示玻璃、汽车玻璃、镀膜玻璃、镜子、彩滤玻璃、太阳能玻璃及节能玻璃等各类玻璃产品的研发、生产与销售，产品广泛应用于建筑、消费电子、新能源汽车、光伏等多个领域。
Prosperity Bancshares Inc.是总部位于美国得克萨斯州休斯顿的银行控股公司，业务覆盖得克萨斯州及俄克拉荷马州中部。截至2019年12月31日，公司共运营285家分支机构，广泛分布在休斯顿、达拉斯-沃斯堡都会区及得州南部、东部、中部、西部等区域。
CSGS vs PB — 直观对比
营收规模更大
PB
是对方的1.1倍
$323.1M
净利率更高
PB
高出29.5%
2.2%
两年增速更快
PB
近两年复合增速
4.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $323.1M | $367.6M |
| 净利润 | $7.0M | $116.3M |
| 毛利率 | 50.0% | — |
| 营业利润率 | 9.0% | — |
| 净利率 | 2.2% | 31.6% |
| 营收同比 | 2.0% | — |
| 净利润同比 | -79.7% | -10.7% |
| 每股收益（稀释后） | $0.24 | $1.16 |
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CSGSPB
| Q1 26 | — | $367.6M | ||
| Q4 25 | $323.1M | $275.0M | ||
| Q3 25 | $303.6M | $273.4M | ||
| Q2 25 | $297.1M | $267.7M | ||
| Q1 25 | $299.5M | $265.4M | ||
| Q4 24 | $316.7M | $267.8M | ||
| Q3 24 | $295.1M | $261.7M | ||
| Q2 24 | $290.3M | $258.8M |
净利润CSGSPB
| Q1 26 | — | $116.3M | ||
| Q4 25 | $7.0M | $139.9M | ||
| Q3 25 | $20.5M | $137.6M | ||
| Q2 25 | $12.3M | $135.2M | ||
| Q1 25 | $16.1M | $130.2M | ||
| Q4 24 | $34.5M | $130.1M | ||
| Q3 24 | $19.1M | $127.3M | ||
| Q2 24 | $13.8M | $111.6M |
毛利率CSGSPB
| Q1 26 | — | — | ||
| Q4 25 | 50.0% | — | ||
| Q3 25 | 48.1% | — | ||
| Q2 25 | 49.5% | — | ||
| Q1 25 | 48.4% | — | ||
| Q4 24 | 51.3% | — | ||
| Q3 24 | 49.4% | — | ||
| Q2 24 | 47.3% | — |
营业利润率CSGSPB
| Q1 26 | — | — | ||
| Q4 25 | 9.0% | 65.1% | ||
| Q3 25 | 10.0% | 64.4% | ||
| Q2 25 | 10.0% | 64.3% | ||
| Q1 25 | 9.8% | 62.7% | ||
| Q4 24 | 13.4% | 62.0% | ||
| Q3 24 | 10.8% | 62.1% | ||
| Q2 24 | 8.8% | 55.2% |
净利率CSGSPB
| Q1 26 | — | 31.6% | ||
| Q4 25 | 2.2% | 50.9% | ||
| Q3 25 | 6.7% | 50.3% | ||
| Q2 25 | 4.1% | 50.5% | ||
| Q1 25 | 5.4% | 49.1% | ||
| Q4 24 | 10.9% | 48.6% | ||
| Q3 24 | 6.5% | 48.6% | ||
| Q2 24 | 4.8% | 43.1% |
每股收益（稀释后）CSGSPB
| Q1 26 | — | $1.16 | ||
| Q4 25 | $0.24 | $1.48 | ||
| Q3 25 | $0.73 | $1.45 | ||
| Q2 25 | $0.44 | $1.42 | ||
| Q1 25 | $0.57 | $1.37 | ||
| Q4 24 | $1.20 | $1.36 | ||
| Q3 24 | $0.67 | $1.34 | ||
| Q2 24 | $0.48 | $1.17 |
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 | $180.0M | — |
| 总债务越低越好 | $539.5M | — |
| 股东权益账面价值 | $283.7M | $8.2B |
| 总资产 | $1.5B | $43.6B |
| 负债/权益比越低杠杆越低 | 1.90× | — |
8季度趋势，按日历期对齐
现金及短期投资CSGSPB
| Q1 26 | — | — | ||
| Q4 25 | $180.0M | — | ||
| Q3 25 | $158.4M | — | ||
| Q2 25 | $145.9M | — | ||
| Q1 25 | $136.0M | — | ||
| Q4 24 | $161.8M | — | ||
| Q3 24 | $118.4M | — | ||
| Q2 24 | $110.4M | — |
总债务CSGSPB
| Q1 26 | — | — | ||
| Q4 25 | $539.5M | — | ||
| Q3 25 | $538.6M | — | ||
| Q2 25 | $537.8M | — | ||
| Q1 25 | $537.6M | — | ||
| Q4 24 | $538.5M | — | ||
| Q3 24 | $539.5M | — | ||
| Q2 24 | $540.5M | — |
股东权益CSGSPB
| Q1 26 | — | $8.2B | ||
| Q4 25 | $283.7M | $7.6B | ||
| Q3 25 | $289.5M | $7.7B | ||
| Q2 25 | $290.7M | $7.6B | ||
| Q1 25 | $283.1M | $7.5B | ||
| Q4 24 | $282.6M | $7.4B | ||
| Q3 24 | $288.4M | $7.4B | ||
| Q2 24 | $273.3M | $7.3B |
总资产CSGSPB
| Q1 26 | — | $43.6B | ||
| Q4 25 | $1.5B | $38.5B | ||
| Q3 25 | $1.5B | $38.3B | ||
| Q2 25 | $1.4B | $38.4B | ||
| Q1 25 | $1.4B | $38.8B | ||
| Q4 24 | $1.5B | $39.6B | ||
| Q3 24 | $1.4B | $40.1B | ||
| Q2 24 | $1.4B | $39.8B |
负债/权益比CSGSPB
| Q1 26 | — | — | ||
| Q4 25 | 1.90× | — | ||
| Q3 25 | 1.86× | — | ||
| Q2 25 | 1.85× | — | ||
| Q1 25 | 1.90× | — | ||
| Q4 24 | 1.91× | — | ||
| Q3 24 | 1.87× | — | ||
| Q2 24 | 1.98× | — |
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 | $59.2M | — |
| 自由现金流经营现金流 - 资本支出 | $55.8M | — |
| 自由现金流率自由现金流/营收 | 17.3% | — |
| 资本支出强度资本支出/营收 | 1.1% | — |
| 现金转化率经营现金流/净利润 | 8.46× | — |
| 过去12个月自由现金流最近4个季度 | $141.4M | — |
8季度趋势，按日历期对齐
经营现金流CSGSPB
| Q1 26 | — | — | ||
| Q4 25 | $59.2M | $78.3M | ||
| Q3 25 | $47.9M | $194.8M | ||
| Q2 25 | $37.3M | $98.2M | ||
| Q1 25 | $11.5M | $178.2M | ||
| Q4 24 | $82.5M | $-205.8M | ||
| Q3 24 | $39.5M | $274.6M | ||
| Q2 24 | $43.1M | $216.5M |
自由现金流CSGSPB
| Q1 26 | — | — | ||
| Q4 25 | $55.8M | $68.5M | ||
| Q3 25 | $43.9M | $185.7M | ||
| Q2 25 | $34.6M | $91.8M | ||
| Q1 25 | $7.1M | $171.1M | ||
| Q4 24 | $76.6M | $-210.7M | ||
| Q3 24 | $32.0M | $270.2M | ||
| Q2 24 | $38.8M | $211.8M |
自由现金流率CSGSPB
| Q1 26 | — | — | ||
| Q4 25 | 17.3% | 24.9% | ||
| Q3 25 | 14.5% | 67.9% | ||
| Q2 25 | 11.6% | 34.3% | ||
| Q1 25 | 2.4% | 64.5% | ||
| Q4 24 | 24.2% | -78.7% | ||
| Q3 24 | 10.8% | 103.3% | ||
| Q2 24 | 13.4% | 81.8% |
资本支出强度CSGSPB
| Q1 26 | — | — | ||
| Q4 25 | 1.1% | 3.6% | ||
| Q3 25 | 1.3% | 3.3% | ||
| Q2 25 | 0.9% | 2.4% | ||
| Q1 25 | 1.5% | 2.7% | ||
| Q4 24 | 1.9% | 1.8% | ||
| Q3 24 | 2.5% | 1.7% | ||
| Q2 24 | 1.5% | 1.8% |
现金转化率CSGSPB
| Q1 26 | — | — | ||
| Q4 25 | 8.46× | 0.56× | ||
| Q3 25 | 2.34× | 1.42× | ||
| Q2 25 | 3.04× | 0.73× | ||
| Q1 25 | 0.71× | 1.37× | ||
| Q4 24 | 2.39× | -1.58× | ||
| Q3 24 | 2.07× | 2.16× | ||
| Q2 24 | 3.12× | 1.94× |
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
CSGS
| Software As A Service And Related Solutions | $287.2M | 89% |
| License And Service | $22.6M | 7% |
| Maintenance | $13.3M | 4% |
PB
| Net Interest Income | $321.1M | 87% |
| Noninterest Income | $46.5M | 13% |
