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CARRIAGE SERVICES INC（CSV）与合众银行（OSBC）财务数据对比。点击上方公司名可切换其他公司
CARRIAGE SERVICES INC的季度营收约是合众银行的1.1倍（$105.5M vs $93.8M），合众银行净利率更高（27.3% vs 11.6%，领先15.6%），过去两年合众银行的营收复合增速更高（15.1% vs 1.0%）
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。
合众银行是一家总部位于美国明尼阿波利斯、在特拉华州注册的美国跨国银行机构。截至2025年，它是美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的金融机构，主营银行、投资、抵押等金融服务。
CSV vs OSBC — 直观对比
营收规模更大
CSV
是对方的1.1倍
$93.8M
净利率更高
OSBC
高出15.6%
11.6%
两年增速更快
OSBC
近两年复合增速
1.0%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $105.5M | $93.8M |
| 净利润 | $12.3M | $25.6M |
| 毛利率 | 34.8% | — |
| 营业利润率 | 23.3% | — |
| 净利率 | 11.6% | 27.3% |
| 营收同比 | 8.0% | — |
| 净利润同比 | 24.5% | 159.2% |
| 每股收益（稀释后） | $0.76 | $0.48 |
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CSVOSBC
| Q1 26 | — | $93.8M | ||
| Q4 25 | $105.5M | $95.2M | ||
| Q3 25 | $102.7M | $95.9M | ||
| Q2 25 | $102.1M | $75.1M | ||
| Q1 25 | $107.1M | $73.1M | ||
| Q4 24 | $97.7M | $73.2M | ||
| Q3 24 | $100.7M | $71.2M | ||
| Q2 24 | $102.3M | $70.8M |
净利润CSVOSBC
| Q1 26 | — | $25.6M | ||
| Q4 25 | $12.3M | — | ||
| Q3 25 | $6.6M | $9.9M | ||
| Q2 25 | $11.7M | $21.8M | ||
| Q1 25 | $20.9M | $19.8M | ||
| Q4 24 | $9.9M | — | ||
| Q3 24 | $9.9M | $23.0M | ||
| Q2 24 | $6.3M | $21.9M |
毛利率CSVOSBC
| 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CSVOSBC
| Q1 26 | — | — | ||
| Q4 25 | 23.3% | 41.2% | ||
| Q3 25 | 17.0% | 13.6% | ||
| Q2 25 | 23.5% | 38.9% | ||
| Q1 25 | 29.5% | 35.8% | ||
| Q4 24 | 21.6% | 34.7% | ||
| Q3 24 | 22.7% | 41.9% | ||
| Q2 24 | 18.0% | 41.2% |
净利率CSVOSBC
| Q1 26 | — | 27.3% | ||
| Q4 25 | 11.6% | — | ||
| Q3 25 | 6.4% | 10.3% | ||
| Q2 25 | 11.5% | 29.0% | ||
| Q1 25 | 19.5% | 27.1% | ||
| Q4 24 | 10.1% | — | ||
| Q3 24 | 9.8% | 32.3% | ||
| Q2 24 | 6.1% | 30.9% |
每股收益（稀释后）CSVOSBC
| Q1 26 | — | $0.48 | ||
| Q4 25 | $0.76 | $0.53 | ||
| Q3 25 | $0.41 | $0.18 | ||
| Q2 25 | $0.74 | $0.48 | ||
| Q1 25 | $1.34 | $0.43 | ||
| Q4 24 | $0.62 | $0.42 | ||
| Q3 24 | $0.63 | $0.50 | ||
| Q2 24 | $0.40 | $0.48 |
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 | $115.7M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $254.8M | $893.3M |
| 总资产 | $1.3B | $6.8B |
| 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CSVOSBC
| Q1 26 | — | $115.7M | ||
| Q4 25 | $1.7M | $124.0M | ||
| Q3 25 | $1.2M | $116.5M | ||
| Q2 25 | $1.4M | $141.8M | ||
| Q1 25 | $4.6M | $256.1M | ||
| Q4 24 | $1.2M | $99.3M | ||
| Q3 24 | $1.3M | $115.8M | ||
| Q2 24 | $1.5M | $120.9M |
股东权益CSVOSBC
| Q1 26 | — | $893.3M | ||
| Q4 25 | $254.8M | $896.8M | ||
| Q3 25 | $242.1M | $866.7M | ||
| Q2 25 | $235.4M | $718.6M | ||
| Q1 25 | $223.1M | $694.5M | ||
| Q4 24 | $208.6M | $671.0M | ||
| Q3 24 | $198.1M | $661.4M | ||
| Q2 24 | $187.9M | $619.3M |
总资产CSVOSBC
| Q1 26 | — | $6.8B | ||
| Q4 25 | $1.3B | $6.9B | ||
| Q3 25 | $1.3B | $7.0B | ||
| Q2 25 | $1.3B | $5.7B | ||
| Q1 25 | $1.3B | $5.7B | ||
| Q4 24 | $1.3B | $5.6B | ||
| Q3 24 | $1.3B | $5.7B | ||
| Q2 24 | $1.3B | $5.7B |
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CSVOSBC
| Q1 26 | — | — | ||
| Q4 25 | $14.1M | $122.3M | ||
| Q3 25 | $24.7M | $35.9M | ||
| Q2 25 | $8.1M | $24.2M | ||
| Q1 25 | $13.8M | $17.8M | ||
| Q4 24 | $9.3M | $131.5M | ||
| Q3 24 | $20.9M | $48.5M | ||
| Q2 24 | $2.2M | $11.6M |
自由现金流CSVOSBC
| Q1 26 | — | — | ||
| Q4 25 | $6.2M | $117.8M | ||
| Q3 25 | $18.0M | $34.7M | ||
| Q2 25 | $5.2M | $23.5M | ||
| Q1 25 | $10.6M | $16.2M | ||
| Q4 24 | $4.9M | $120.7M | ||
| Q3 24 | $16.2M | $46.2M | ||
| Q2 24 | $-1.4M | $8.7M |
自由现金流率CSVOSBC
| Q1 26 | — | — | ||
| Q4 25 | 5.9% | 123.7% | ||
| Q3 25 | 17.5% | 36.2% | ||
| Q2 25 | 5.1% | 31.2% | ||
| Q1 25 | 9.9% | 22.2% | ||
| Q4 24 | 5.0% | 165.0% | ||
| Q3 24 | 16.1% | 64.9% | ||
| Q2 24 | -1.4% | 12.3% |
资本支出强度CSVOSBC
| Q1 26 | — | — | ||
| Q4 25 | 7.5% | 4.7% | ||
| Q3 25 | 6.5% | 1.3% | ||
| Q2 25 | 2.8% | 1.1% | ||
| Q1 25 | 3.0% | 2.2% | ||
| Q4 24 | 4.5% | 14.7% | ||
| Q3 24 | 4.6% | 3.3% | ||
| Q2 24 | 3.5% | 4.2% |
现金转化率CSVOSBC
| Q1 26 | — | — | ||
| Q4 25 | 1.15× | — | ||
| Q3 25 | 3.76× | 3.64× | ||
| Q2 25 | 0.69× | 1.11× | ||
| Q1 25 | 0.66× | 0.90× | ||
| Q4 24 | 0.94× | — | ||
| Q3 24 | 2.11× | 2.11× | ||
| Q2 24 | 0.34× | 0.53× |
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% |
OSBC
| Net Interest Income | $81.1M | 87% |
| Noninterest Income | $12.6M | 13% |
