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COMMUNITY TRUST BANCORP INC（CTBI）与RE/MAX Holdings, Inc.（RMAX）财务数据对比。点击上方公司名可切换其他公司
COMMUNITY TRUST BANCORP INC的季度营收约是RE/MAX Holdings, Inc.的1.1倍（$74.7M vs $71.1M），COMMUNITY TRUST BANCORP INC净利率更高（36.5% vs 2.0%，领先34.5%），COMMUNITY TRUST BANCORP INC同比增速更快（13.8% vs -1.8%），COMMUNITY TRUST BANCORP INC自由现金流更多（$97.4M vs $33.5M），过去两年COMMUNITY TRUST BANCORP INC的营收复合增速更高（12.8% vs -4.7%）
社区信托银行集团是一家美国区域性银行控股公司，其前身是1903年成立的派克维尔国家银行，总部位于阿巴拉契亚地区核心的肯塔基州派克维尔。集团目前旗下经营商业银行社区信托银行，以及位于列克星敦的社区信托投资信托公司。
RE/MAX是全球知名的房地产特许经营机构，业务遍布全球一百多个国家和地区，旗下拥有数千家门店，总计超过十万名房产经纪人，在国际房产中介领域拥有极高的品牌知名度与市场影响力。
CTBI vs RMAX — 直观对比
营收规模更大
CTBI
是对方的1.1倍
$71.1M
营收增速更快
CTBI
高出15.6%
-1.8%
净利率更高
CTBI
高出34.5%
2.0%
自由现金流更多
CTBI
多$63.9M
$33.5M
两年增速更快
CTBI
近两年复合增速
-4.7%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $74.7M | $71.1M |
| 净利润 | $27.3M | $1.4M |
| 毛利率 | — | — |
| 营业利润率 | 47.3% | 13.1% |
| 净利率 | 36.5% | 2.0% |
| 营收同比 | 13.8% | -1.8% |
| 净利润同比 | 21.3% | -75.2% |
| 每股收益（稀释后） | $1.51 | — |
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CTBIRMAX
| Q4 25 | $74.7M | $71.1M | ||
| Q3 25 | $71.5M | $73.2M | ||
| Q2 25 | $70.2M | $72.8M | ||
| Q1 25 | $66.2M | $74.5M | ||
| Q4 24 | $65.7M | $72.5M | ||
| Q3 24 | $62.8M | $78.5M | ||
| Q2 24 | $61.4M | $78.5M | ||
| Q1 24 | $58.7M | $78.3M |
净利润CTBIRMAX
| Q4 25 | $27.3M | $1.4M | ||
| Q3 25 | $23.9M | $4.0M | ||
| Q2 25 | $24.9M | $4.7M | ||
| Q1 25 | $22.0M | $-2.0M | ||
| Q4 24 | $22.5M | $5.8M | ||
| Q3 24 | $22.1M | $966.0K | ||
| Q2 24 | $19.5M | $3.7M | ||
| Q1 24 | $18.7M | $-3.4M |
营业利润率CTBIRMAX
| Q4 25 | 47.3% | 13.1% | ||
| Q3 25 | 43.2% | 25.0% | ||
| Q2 25 | 46.2% | 19.3% | ||
| Q1 25 | 42.9% | 7.2% | ||
| Q4 24 | 44.7% | 5.9% | ||
| Q3 24 | 43.8% | 19.4% | ||
| Q2 24 | 42.3% | 20.6% | ||
| Q1 24 | 40.6% | 5.8% |
净利率CTBIRMAX
| Q4 25 | 36.5% | 2.0% | ||
| Q3 25 | 33.4% | 5.4% | ||
| Q2 25 | 35.5% | 6.4% | ||
| Q1 25 | 33.2% | -2.6% | ||
| Q4 24 | 34.2% | 8.0% | ||
| Q3 24 | 35.3% | 1.2% | ||
| Q2 24 | 31.8% | 4.7% | ||
| Q1 24 | 31.8% | -4.3% |
每股收益（稀释后）CTBIRMAX
| Q4 25 | $1.51 | — | ||
| Q3 25 | $1.32 | — | ||
| Q2 25 | $1.38 | — | ||
| Q1 25 | $1.22 | — | ||
| Q4 24 | $1.25 | — | ||
| Q3 24 | $1.23 | — | ||
| Q2 24 | $1.09 | — | ||
| Q1 24 | $1.04 | — |
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 | $363.7M | $118.7M |
| 总债务越低越好 | $63.8M | $432.2M |
| 股东权益账面价值 | $856.1M | $452.4M |
| 总资产 | $6.7B | $582.5M |
| 负债/权益比越低杠杆越低 | 0.07× | 0.96× |
8季度趋势，按日历期对齐
现金及短期投资CTBIRMAX
| Q4 25 | $363.7M | $118.7M | ||
| Q3 25 | $507.6M | $107.5M | ||
| Q2 25 | $395.3M | $94.3M | ||
| Q1 25 | $340.7M | $89.1M | ||
| Q4 24 | $369.5M | $96.6M | ||
| Q3 24 | $240.9M | $83.8M | ||
| Q2 24 | $161.7M | $66.1M | ||
| Q1 24 | $293.3M | $82.1M |
总债务CTBIRMAX
| Q4 25 | $63.8M | $432.2M | ||
| Q3 25 | — | $433.3M | ||
| Q2 25 | — | $434.4M | ||
| Q1 25 | — | $435.3M | ||
| Q4 24 | $64.0M | $436.2M | ||
| Q3 24 | — | $437.2M | ||
| Q2 24 | — | $438.1M | ||
| Q1 24 | — | $439.0M |
股东权益CTBIRMAX
| Q4 25 | $856.1M | $452.4M | ||
| Q3 25 | $831.4M | $448.1M | ||
| Q2 25 | $806.9M | $442.4M | ||
| Q1 25 | $784.2M | $433.5M | ||
| Q4 24 | $757.6M | $429.5M | ||
| Q3 24 | $760.8M | $423.1M | ||
| Q2 24 | $719.3M | $418.4M | ||
| Q1 24 | $707.7M | $412.0M |
总资产CTBIRMAX
| Q4 25 | $6.7B | $582.5M | ||
| Q3 25 | $6.6B | $582.2M | ||
| Q2 25 | $6.4B | $574.8M | ||
| Q1 25 | $6.3B | $571.4M | ||
| Q4 24 | $6.2B | $581.6M | ||
| Q3 24 | $6.0B | $578.6M | ||
| Q2 24 | $5.8B | $571.4M | ||
| Q1 24 | $5.9B | $566.7M |
负债/权益比CTBIRMAX
| Q4 25 | 0.07× | 0.96× | ||
| Q3 25 | — | 0.97× | ||
| Q2 25 | — | 0.98× | ||
| Q1 25 | — | 1.00× | ||
| Q4 24 | 0.08× | 1.02× | ||
| Q3 24 | — | 1.03× | ||
| Q2 24 | — | 1.05× | ||
| Q1 24 | — | 1.07× |
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 | $105.0M | $40.9M |
| 自由现金流经营现金流 - 资本支出 | $97.4M | $33.5M |
| 自由现金流率自由现金流/营收 | 130.3% | 47.1% |
| 资本支出强度资本支出/营收 | 10.2% | 10.4% |
| 现金转化率经营现金流/净利润 | 3.85× | 28.39× |
| 过去12个月自由现金流最近4个季度 | $181.8M | $56.8M |
8季度趋势，按日历期对齐
经营现金流CTBIRMAX
| Q4 25 | $105.0M | $40.9M | ||
| Q3 25 | $37.5M | $17.7M | ||
| Q2 25 | $15.9M | $4.6M | ||
| Q1 25 | $36.6M | $5.7M | ||
| Q4 24 | $105.3M | $59.7M | ||
| Q3 24 | $36.7M | $17.6M | ||
| Q2 24 | $20.0M | $15.9M | ||
| Q1 24 | $26.2M | $9.4M |
自由现金流CTBIRMAX
| Q4 25 | $97.4M | $33.5M | ||
| Q3 25 | $36.4M | $16.4M | ||
| Q2 25 | $13.6M | $2.9M | ||
| Q1 25 | $34.5M | $4.0M | ||
| Q4 24 | $97.2M | $53.0M | ||
| Q3 24 | $35.4M | $16.3M | ||
| Q2 24 | $18.4M | $14.0M | ||
| Q1 24 | $24.0M | $6.8M |
自由现金流率CTBIRMAX
| Q4 25 | 130.3% | 47.1% | ||
| Q3 25 | 50.8% | 22.4% | ||
| Q2 25 | 19.3% | 4.0% | ||
| Q1 25 | 52.2% | 5.3% | ||
| Q4 24 | 148.0% | 73.2% | ||
| Q3 24 | 56.4% | 20.8% | ||
| Q2 24 | 30.1% | 17.8% | ||
| Q1 24 | 40.9% | 8.6% |
资本支出强度CTBIRMAX
| Q4 25 | 10.2% | 10.4% | ||
| Q3 25 | 1.7% | 1.8% | ||
| Q2 25 | 3.4% | 2.2% | ||
| Q1 25 | 3.1% | 2.3% | ||
| Q4 24 | 12.3% | 9.1% | ||
| Q3 24 | 2.1% | 1.7% | ||
| Q2 24 | 2.5% | 2.4% | ||
| Q1 24 | 3.7% | 3.3% |
现金转化率CTBIRMAX
| Q4 25 | 3.85× | 28.39× | ||
| Q3 25 | 1.57× | 4.45× | ||
| Q2 25 | 0.64× | 0.97× | ||
| Q1 25 | 1.66× | — | ||
| Q4 24 | 4.68× | 10.28× | ||
| Q3 24 | 1.66× | 18.22× | ||
| Q2 24 | 1.02× | 4.29× | ||
| Q1 24 | 1.40× | — |
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
CTBI
暂无分部数据
RMAX
| Franchising Segment | $50.1M | 70% |
| Broker Fees | $13.9M | 20% |
| Annual Dues | $7.4M | 10% |
