vs
CARRIAGE SERVICES INC（CSV）与NORTHPOINTE BANCSHARES INC（NPB）财务数据对比。点击上方公司名可切换其他公司
CARRIAGE SERVICES INC的季度营收约是NORTHPOINTE BANCSHARES INC的1.7倍（$105.5M vs $63.4M），NORTHPOINTE BANCSHARES INC净利率更高（34.9% vs 11.6%，领先23.3%）
怡和Cycle & Carriage有限公司是怡和集团在东南亚的投资控股公司，目前该集团持有其75%的股份，是怡和集团在东南亚区域开展资本布局与投资业务的核心平台。
Northpointe Bancshares Inc是一家美国银行控股公司，通过旗下全资银行子公司开展业务，提供各类零售及商业银行服务，涵盖存款账户、住房抵押贷款、小微企业信贷、财富管理等，主要服务美国本土区域社区客户。
CSV vs NPB — 直观对比
营收规模更大
CSV
是对方的1.7倍
$63.4M
净利率更高
NPB
高出23.3%
11.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $105.5M | $63.4M |
| 净利润 | $12.3M | $22.2M |
| 毛利率 | 34.8% | — |
| 营业利润率 | 23.3% | — |
| 净利率 | 11.6% | 34.9% |
| 营收同比 | 8.0% | — |
| 净利润同比 | 24.5% | — |
| 每股收益（稀释后） | $0.76 | $0.62 |
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CSVNPB
| Q1 26 | — | $63.4M | ||
| Q4 25 | $105.5M | $43.5M | ||
| Q3 25 | $102.7M | $40.3M | ||
| Q2 25 | $102.1M | $36.5M | ||
| Q1 25 | $107.1M | $30.4M | ||
| Q4 24 | $97.7M | — | ||
| Q3 24 | $100.7M | — | ||
| Q2 24 | $102.3M | — |
净利润CSVNPB
| Q1 26 | — | $22.2M | ||
| Q4 25 | $12.3M | $23.6M | ||
| Q3 25 | $6.6M | $22.2M | ||
| Q2 25 | $11.7M | $20.3M | ||
| Q1 25 | $20.9M | $17.2M | ||
| Q4 24 | $9.9M | — | ||
| Q3 24 | $9.9M | — | ||
| Q2 24 | $6.3M | — |
毛利率CSVNPB
| Q1 26 | — | — | ||
| Q4 25 | 34.8% | — | ||
| Q3 25 | 35.3% | — | ||
| Q2 25 | 35.2% | — | ||
| Q1 25 | 35.3% | — | ||
| Q4 24 | 34.4% | — | ||
| Q3 24 | 35.2% | — | ||
| Q2 24 | 36.2% | — |
营业利润率CSVNPB
| Q1 26 | — | — | ||
| Q4 25 | 23.3% | 73.5% | ||
| Q3 25 | 17.0% | 72.3% | ||
| Q2 25 | 23.5% | 73.0% | ||
| Q1 25 | 29.5% | 74.4% | ||
| Q4 24 | 21.6% | — | ||
| Q3 24 | 22.7% | — | ||
| Q2 24 | 18.0% | — |
净利率CSVNPB
| Q1 26 | — | 34.9% | ||
| Q4 25 | 11.6% | 54.4% | ||
| Q3 25 | 6.4% | 55.0% | ||
| Q2 25 | 11.5% | 55.7% | ||
| Q1 25 | 19.5% | 56.8% | ||
| Q4 24 | 10.1% | — | ||
| Q3 24 | 9.8% | — | ||
| Q2 24 | 6.1% | — |
每股收益（稀释后）CSVNPB
| Q1 26 | — | $0.62 | ||
| Q4 25 | $0.76 | $0.54 | ||
| Q3 25 | $0.41 | $0.57 | ||
| Q2 25 | $0.74 | $0.51 | ||
| Q1 25 | $1.34 | $0.49 | ||
| Q4 24 | $0.62 | — | ||
| Q3 24 | $0.63 | — | ||
| Q2 24 | $0.40 | — |
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 | $1.7M | $487.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $254.8M | $590.0M |
| 总资产 | $1.3B | $7.4B |
| 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CSVNPB
| Q1 26 | — | $487.6M | ||
| Q4 25 | $1.7M | $496.5M | ||
| Q3 25 | $1.2M | $419.2M | ||
| Q2 25 | $1.4M | $415.7M | ||
| Q1 25 | $4.6M | $321.5M | ||
| Q4 24 | $1.2M | — | ||
| Q3 24 | $1.3M | — | ||
| Q2 24 | $1.5M | — |
股东权益CSVNPB
| Q1 26 | — | $590.0M | ||
| Q4 25 | $254.8M | $569.0M | ||
| Q3 25 | $242.1M | $623.5M | ||
| Q2 25 | $235.4M | $604.3M | ||
| Q1 25 | $223.1M | $586.5M | ||
| Q4 24 | $208.6M | — | ||
| Q3 24 | $198.1M | — | ||
| Q2 24 | $187.9M | — |
总资产CSVNPB
| Q1 26 | — | $7.4B | ||
| Q4 25 | $1.3B | $7.0B | ||
| Q3 25 | $1.3B | $6.8B | ||
| Q2 25 | $1.3B | $6.4B | ||
| Q1 25 | $1.3B | $5.9B | ||
| Q4 24 | $1.3B | — | ||
| Q3 24 | $1.3B | — | ||
| Q2 24 | $1.3B | — |
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 | $14.1M | — |
| 自由现金流经营现金流 - 资本支出 | $6.2M | — |
| 自由现金流率自由现金流/营收 | 5.9% | — |
| 资本支出强度资本支出/营收 | 7.5% | — |
| 现金转化率经营现金流/净利润 | 1.15× | — |
| 过去12个月自由现金流最近4个季度 | $40.1M | — |
8季度趋势，按日历期对齐
经营现金流CSVNPB
| Q1 26 | — | — | ||
| Q4 25 | $14.1M | $-28.3M | ||
| Q3 25 | $24.7M | $90.4M | ||
| Q2 25 | $8.1M | $-72.3M | ||
| Q1 25 | $13.8M | $54.4M | ||
| Q4 24 | $9.3M | — | ||
| Q3 24 | $20.9M | — | ||
| Q2 24 | $2.2M | — |
自由现金流CSVNPB
| Q1 26 | — | — | ||
| Q4 25 | $6.2M | $-28.8M | ||
| Q3 25 | $18.0M | $89.6M | ||
| Q2 25 | $5.2M | $-73.4M | ||
| Q1 25 | $10.6M | $54.1M | ||
| Q4 24 | $4.9M | — | ||
| Q3 24 | $16.2M | — | ||
| Q2 24 | $-1.4M | — |
自由现金流率CSVNPB
| Q1 26 | — | — | ||
| Q4 25 | 5.9% | -66.1% | ||
| Q3 25 | 17.5% | 222.3% | ||
| Q2 25 | 5.1% | -201.1% | ||
| Q1 25 | 9.9% | 178.0% | ||
| Q4 24 | 5.0% | — | ||
| Q3 24 | 16.1% | — | ||
| Q2 24 | -1.4% | — |
资本支出强度CSVNPB
| Q1 26 | — | — | ||
| Q4 25 | 7.5% | 1.2% | ||
| Q3 25 | 6.5% | 2.0% | ||
| Q2 25 | 2.8% | 3.1% | ||
| Q1 25 | 3.0% | 1.1% | ||
| Q4 24 | 4.5% | — | ||
| Q3 24 | 4.6% | — | ||
| Q2 24 | 3.5% | — |
现金转化率CSVNPB
| Q1 26 | — | — | ||
| Q4 25 | 1.15× | -1.20× | ||
| Q3 25 | 3.76× | 4.08× | ||
| Q2 25 | 0.69× | -3.55× | ||
| Q1 25 | 0.66× | 3.16× | ||
| Q4 24 | 0.94× | — | ||
| Q3 24 | 2.11× | — | ||
| Q2 24 | 0.34× | — |
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
CSV
| Propertyand Merchandise | $47.8M | 45% |
| Cemetery Interment Rights | $24.8M | 23% |
| Merchandise | $18.9M | 18% |
| Other Revenue | $10.2M | 10% |
| Other | $3.9M | 4% |
NPB
| Net Interest Income | $41.3M | 65% |
| Noninterest Income | $22.1M | 35% |
