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CVB FINANCIAL CORP（CVBF）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
CVB FINANCIAL CORP的季度营收约是RE/MAX Holdings, Inc.的1.9倍（$133.8M vs $71.1M），CVB FINANCIAL CORP同比增速更快（8.4% vs -1.8%），CVB FINANCIAL CORP自由现金流更多（$217.3M vs $33.5M），过去两年CVB FINANCIAL CORP的营收复合增速更高（2.8% vs -4.7%）
CVB金融集团是一家美国银行控股公司，运营公民商业银行，主要服务加利福尼亚州市场，面向中小企业、专业机构及个人客户提供商业银行、个人银行、财富管理等多元金融服务，核心业务包含商业贷款、存款账户、资产管理等。
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。
CVBF vs RMAX — 直观对比
营收规模更大
CVBF
是对方的1.9倍
$71.1M
营收增速更快
CVBF
高出10.2%
-1.8%
自由现金流更多
CVBF
多$183.8M
$33.5M
两年增速更快
CVBF
近两年复合增速
-4.7%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $133.8M | $71.1M |
| 净利润 | — | $1.4M |
| 毛利率 | — | — |
| 营业利润率 | 55.6% | 13.1% |
| 净利率 | — | 2.0% |
| 营收同比 | 8.4% | -1.8% |
| 净利润同比 | — | -75.2% |
| 每股收益（稀释后） | $0.41 | — |
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CVBFRMAX
| Q4 25 | $133.8M | $71.1M | ||
| Q3 25 | $128.6M | $73.2M | ||
| Q2 25 | $126.4M | $72.8M | ||
| Q1 25 | $126.7M | $74.5M | ||
| Q4 24 | $123.5M | $72.5M | ||
| Q3 24 | $126.5M | $78.5M | ||
| Q2 24 | $125.3M | $78.5M | ||
| Q1 24 | $126.6M | $78.3M |
净利润CVBFRMAX
| Q4 25 | — | $1.4M | ||
| Q3 25 | $52.6M | $4.0M | ||
| Q2 25 | $50.6M | $4.7M | ||
| Q1 25 | $51.1M | $-2.0M | ||
| Q4 24 | — | $5.8M | ||
| Q3 24 | $51.2M | $966.0K | ||
| Q2 24 | $50.0M | $3.7M | ||
| Q1 24 | $48.6M | $-3.4M |
营业利润率CVBFRMAX
| Q4 25 | 55.6% | 13.1% | ||
| Q3 25 | 53.7% | 25.0% | ||
| Q2 25 | 54.4% | 19.3% | ||
| Q1 25 | 54.9% | 7.2% | ||
| Q4 24 | 55.1% | 5.9% | ||
| Q3 24 | 53.5% | 19.4% | ||
| Q2 24 | 54.9% | 20.6% | ||
| Q1 24 | 52.8% | 5.8% |
净利率CVBFRMAX
| Q4 25 | — | 2.0% | ||
| Q3 25 | 40.9% | 5.4% | ||
| Q2 25 | 40.0% | 6.4% | ||
| Q1 25 | 40.3% | -2.6% | ||
| Q4 24 | — | 8.0% | ||
| Q3 24 | 40.5% | 1.2% | ||
| Q2 24 | 39.9% | 4.7% | ||
| Q1 24 | 38.4% | -4.3% |
每股收益（稀释后）CVBFRMAX
| Q4 25 | $0.41 | — | ||
| Q3 25 | $0.38 | — | ||
| Q2 25 | $0.37 | — | ||
| Q1 25 | $0.36 | — | ||
| Q4 24 | $0.36 | — | ||
| Q3 24 | $0.37 | — | ||
| Q2 24 | $0.36 | — | ||
| Q1 24 | $0.35 | — |
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 | $376.4M | $118.7M |
| 总债务越低越好 | — | $432.2M |
| 股东权益账面价值 | $2.3B | $452.4M |
| 总资产 | $15.6B | $582.5M |
| 负债/权益比越低杠杆越低 | — | 0.96× |
8季度趋势，按日历期对齐
现金及短期投资CVBFRMAX
| Q4 25 | $376.4M | $118.7M | ||
| Q3 25 | $783.9M | $107.5M | ||
| Q2 25 | $738.6M | $94.3M | ||
| Q1 25 | $529.1M | $89.1M | ||
| Q4 24 | $204.7M | $96.6M | ||
| Q3 24 | $453.5M | $83.8M | ||
| Q2 24 | $844.2M | $66.1M | ||
| Q1 24 | $949.6M | $82.1M |
总债务CVBFRMAX
| Q4 25 | — | $432.2M | ||
| Q3 25 | — | $433.3M | ||
| Q2 25 | — | $434.4M | ||
| Q1 25 | — | $435.3M | ||
| Q4 24 | — | $436.2M | ||
| Q3 24 | — | $437.2M | ||
| Q2 24 | — | $438.1M | ||
| Q1 24 | — | $439.0M |
股东权益CVBFRMAX
| Q4 25 | $2.3B | $452.4M | ||
| Q3 25 | $2.3B | $448.1M | ||
| Q2 25 | $2.2B | $442.4M | ||
| Q1 25 | $2.2B | $433.5M | ||
| Q4 24 | $2.2B | $429.5M | ||
| Q3 24 | $2.2B | $423.1M | ||
| Q2 24 | $2.1B | $418.4M | ||
| Q1 24 | $2.1B | $412.0M |
总资产CVBFRMAX
| Q4 25 | $15.6B | $582.5M | ||
| Q3 25 | $15.7B | $582.2M | ||
| Q2 25 | $15.4B | $574.8M | ||
| Q1 25 | $15.3B | $571.4M | ||
| Q4 24 | $15.2B | $581.6M | ||
| Q3 24 | $15.4B | $578.6M | ||
| Q2 24 | $16.2B | $571.4M | ||
| Q1 24 | $16.5B | $566.7M |
负债/权益比CVBFRMAX
| Q4 25 | — | 0.96× | ||
| Q3 25 | — | 0.97× | ||
| Q2 25 | — | 0.98× | ||
| Q1 25 | — | 1.00× | ||
| Q4 24 | — | 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 | $221.4M | $40.9M |
| 自由现金流经营现金流 - 资本支出 | $217.3M | $33.5M |
| 自由现金流率自由现金流/营收 | 162.4% | 47.1% |
| 资本支出强度资本支出/营收 | 3.0% | 10.4% |
| 现金转化率经营现金流/净利润 | — | 28.39× |
| 过去12个月自由现金流最近4个季度 | $391.5M | $56.8M |
8季度趋势，按日历期对齐
经营现金流CVBFRMAX
| Q4 25 | $221.4M | $40.9M | ||
| Q3 25 | $81.5M | $17.7M | ||
| Q2 25 | $53.1M | $4.6M | ||
| Q1 25 | $41.9M | $5.7M | ||
| Q4 24 | $249.8M | $59.7M | ||
| Q3 24 | $71.4M | $17.6M | ||
| Q2 24 | $26.1M | $15.9M | ||
| Q1 24 | $77.5M | $9.4M |
自由现金流CVBFRMAX
| Q4 25 | $217.3M | $33.5M | ||
| Q3 25 | $80.7M | $16.4M | ||
| Q2 25 | $52.3M | $2.9M | ||
| Q1 25 | $41.2M | $4.0M | ||
| Q4 24 | $244.6M | $53.0M | ||
| Q3 24 | $70.2M | $16.3M | ||
| Q2 24 | $24.4M | $14.0M | ||
| Q1 24 | $77.3M | $6.8M |
自由现金流率CVBFRMAX
| Q4 25 | 162.4% | 47.1% | ||
| Q3 25 | 62.8% | 22.4% | ||
| Q2 25 | 41.4% | 4.0% | ||
| Q1 25 | 32.5% | 5.3% | ||
| Q4 24 | 198.0% | 73.2% | ||
| Q3 24 | 55.5% | 20.8% | ||
| Q2 24 | 19.5% | 17.8% | ||
| Q1 24 | 61.1% | 8.6% |
资本支出强度CVBFRMAX
| Q4 25 | 3.0% | 10.4% | ||
| Q3 25 | 0.7% | 1.8% | ||
| Q2 25 | 0.7% | 2.2% | ||
| Q1 25 | 0.5% | 2.3% | ||
| Q4 24 | 4.2% | 9.1% | ||
| Q3 24 | 1.0% | 1.7% | ||
| Q2 24 | 1.4% | 2.4% | ||
| Q1 24 | 0.1% | 3.3% |
现金转化率CVBFRMAX
| Q4 25 | — | 28.39× | ||
| Q3 25 | 1.55× | 4.45× | ||
| Q2 25 | 1.05× | 0.97× | ||
| Q1 25 | 0.82× | — | ||
| Q4 24 | — | 10.28× | ||
| Q3 24 | 1.39× | 18.22× | ||
| Q2 24 | 0.52× | 4.29× | ||
| Q1 24 | 1.59× | — |
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
CVBF
暂无分部数据
RMAX
| Franchising Segment | $50.1M | 70% |
| Broker Fees | $13.9M | 20% |
| Annual Dues | $7.4M | 10% |
