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合众银行（CUBI）与Doximity, Inc.（DOCS）财务数据对比。点击上方公司名可切换其他公司
合众银行的季度营收约是Doximity, Inc.的1.3倍（$236.9M vs $185.1M），合众银行同比增速更快（21.8% vs 9.8%），过去两年Doximity, Inc.的营收复合增速更高（25.2% vs 14.2%）
合众银行是总部位于美国明尼苏达州明尼阿波利斯、在特拉华州注册的跨国银行机构，2025年位列美国第五大银行，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。旗下核心运营主体为美国合众银行全国协会，提供银行、投资、按揭等多元金融服务。
Doximity Inc成立于2010年，是面向医疗专业人士的线上社交服务平台，为平台会员提供精选医疗资讯、远程医疗工具，以及病例协作相关功能，助力医疗从业者高效交流信息、开展诊疗相关工作。
CUBI vs DOCS — 直观对比
营收规模更大
CUBI
是对方的1.3倍
$185.1M
营收增速更快
CUBI
高出12.1%
9.8%
两年增速更快
DOCS
近两年复合增速
14.2%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $236.9M | $185.1M |
| 净利润 | — | $61.6M |
| 毛利率 | — | 89.9% |
| 营业利润率 | 41.1% | 38.9% |
| 净利率 | — | 33.3% |
| 营收同比 | 21.8% | 9.8% |
| 净利润同比 | — | -18.1% |
| 每股收益（稀释后） | $2.04 | $0.31 |
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CUBIDOCS
| Q4 25 | $236.9M | $185.1M | ||
| Q3 25 | $232.1M | $168.5M | ||
| Q2 25 | $206.3M | $145.9M | ||
| Q1 25 | $143.0M | $138.3M | ||
| Q4 24 | $167.8M | $168.6M | ||
| Q3 24 | $167.1M | $136.8M | ||
| Q2 24 | $198.7M | $126.7M | ||
| Q1 24 | $181.6M | $118.1M |
净利润CUBIDOCS
| Q4 25 | — | $61.6M | ||
| Q3 25 | $75.7M | $62.1M | ||
| Q2 25 | $60.9M | $53.3M | ||
| Q1 25 | $12.9M | $62.5M | ||
| Q4 24 | — | $75.2M | ||
| Q3 24 | $46.7M | $44.2M | ||
| Q2 24 | $58.1M | $41.4M | ||
| Q1 24 | $49.7M | $40.6M |
毛利率CUBIDOCS
| Q4 25 | — | 89.9% | ||
| Q3 25 | — | 90.3% | ||
| Q2 25 | — | 89.2% | ||
| Q1 25 | — | 89.5% | ||
| Q4 24 | — | 91.6% | ||
| Q3 24 | — | 90.0% | ||
| Q2 24 | — | 89.3% | ||
| Q1 24 | — | 89.4% |
营业利润率CUBIDOCS
| Q4 25 | 41.1% | 38.9% | ||
| Q3 25 | 43.2% | 37.8% | ||
| Q2 25 | 38.2% | 37.4% | ||
| Q1 25 | 8.3% | 35.2% | ||
| Q4 24 | 21.4% | 47.4% | ||
| Q3 24 | 27.5% | 38.8% | ||
| Q2 24 | 38.8% | 36.4% | ||
| Q1 24 | 36.0% | 35.5% |
净利率CUBIDOCS
| Q4 25 | — | 33.3% | ||
| Q3 25 | 32.6% | 36.8% | ||
| Q2 25 | 29.5% | 36.5% | ||
| Q1 25 | 9.0% | 45.2% | ||
| Q4 24 | — | 44.6% | ||
| Q3 24 | 28.0% | 32.3% | ||
| Q2 24 | 29.2% | 32.7% | ||
| Q1 24 | 27.4% | 34.4% |
每股收益（稀释后）CUBIDOCS
| Q4 25 | $2.04 | $0.31 | ||
| Q3 25 | $2.20 | $0.31 | ||
| Q2 25 | $1.73 | $0.27 | ||
| Q1 25 | $0.29 | $0.31 | ||
| Q4 24 | $0.72 | $0.37 | ||
| Q3 24 | $1.31 | $0.22 | ||
| Q2 24 | $1.66 | $0.21 | ||
| Q1 24 | $1.40 | $0.20 |
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 | $4.4B | $64.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $2.1B | $979.3M |
| 总资产 | $24.9B | $1.2B |
| 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CUBIDOCS
| Q4 25 | $4.4B | $64.8M | ||
| Q3 25 | $4.2B | $169.2M | ||
| Q2 25 | $3.5B | $137.3M | ||
| Q1 25 | $3.4B | $209.6M | ||
| Q4 24 | $3.8B | $165.3M | ||
| Q3 24 | $3.1B | $184.2M | ||
| Q2 24 | $3.0B | $111.4M | ||
| Q1 24 | $3.7B | $96.8M |
股东权益CUBIDOCS
| Q4 25 | $2.1B | $979.3M | ||
| Q3 25 | $2.1B | $1.1B | ||
| Q2 25 | $1.9B | $1.0B | ||
| Q1 25 | $1.9B | $1.1B | ||
| Q4 24 | $1.8B | $1.0B | ||
| Q3 24 | $1.8B | $961.2M | ||
| Q2 24 | $1.7B | $913.6M | ||
| Q1 24 | $1.7B | $901.4M |
总资产CUBIDOCS
| Q4 25 | $24.9B | $1.2B | ||
| Q3 25 | $24.3B | $1.3B | ||
| Q2 25 | $22.6B | $1.2B | ||
| Q1 25 | $22.4B | $1.3B | ||
| Q4 24 | $22.3B | $1.2B | ||
| Q3 24 | $21.5B | $1.1B | ||
| Q2 24 | $20.9B | $1.1B | ||
| Q1 24 | $21.3B | $1.1B |
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 | $494.8M | $60.9M |
| 自由现金流经营现金流 - 资本支出 | $481.0M | — |
| 自由现金流率自由现金流/营收 | 203.0% | — |
| 资本支出强度资本支出/营收 | 5.8% | — |
| 现金转化率经营现金流/净利润 | — | 0.99× |
| 过去12个月自由现金流最近4个季度 | $843.0M | — |
8季度趋势，按日历期对齐
经营现金流CUBIDOCS
| Q4 25 | $494.8M | $60.9M | ||
| Q3 25 | $116.9M | $93.9M | ||
| Q2 25 | $162.2M | $62.1M | ||
| Q1 25 | $94.1M | $98.5M | ||
| Q4 24 | $145.1M | $65.2M | ||
| Q3 24 | $24.4M | $68.3M | ||
| Q2 24 | $6.1M | $41.2M | ||
| Q1 24 | $-18.8M | $63.9M |
自由现金流CUBIDOCS
| Q4 25 | $481.0M | — | ||
| Q3 25 | $106.4M | — | ||
| Q2 25 | $162.1M | — | ||
| Q1 25 | $93.4M | — | ||
| Q4 24 | $143.6M | — | ||
| Q3 24 | $24.1M | — | ||
| Q2 24 | $5.8M | — | ||
| Q1 24 | $-19.2M | — |
自由现金流率CUBIDOCS
| Q4 25 | 203.0% | — | ||
| Q3 25 | 45.9% | — | ||
| Q2 25 | 78.6% | — | ||
| Q1 25 | 65.4% | — | ||
| Q4 24 | 85.5% | — | ||
| Q3 24 | 14.4% | — | ||
| Q2 24 | 2.9% | — | ||
| Q1 24 | -10.6% | — |
资本支出强度CUBIDOCS
| Q4 25 | 5.8% | — | ||
| Q3 25 | 4.5% | — | ||
| Q2 25 | 0.0% | — | ||
| Q1 25 | 0.5% | 0.0% | ||
| Q4 24 | 0.9% | 0.0% | ||
| Q3 24 | 0.2% | 0.0% | ||
| Q2 24 | 0.2% | 0.0% | ||
| Q1 24 | 0.2% | 0.0% |
现金转化率CUBIDOCS
| Q4 25 | — | 0.99× | ||
| Q3 25 | 1.54× | 1.51× | ||
| Q2 25 | 2.66× | 1.16× | ||
| Q1 25 | 7.29× | 1.58× | ||
| Q4 24 | — | 0.87× | ||
| Q3 24 | 0.52× | 1.55× | ||
| Q2 24 | 0.10× | 1.00× | ||
| Q1 24 | -0.38× | 1.57× |
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
CUBI
暂无分部数据
DOCS
| Subscription | $175.4M | 95% |
| Service Other | $9.7M | 5% |
