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CAVCO INDUSTRIES, INC.（CVCO）与SouthState Bank Corp（SSB）财务数据对比。点击上方公司名可切换其他公司
SouthState Bank Corp的季度营收约是CAVCO INDUSTRIES, INC.的1.1倍（$661.7M vs $581.0M），SouthState Bank Corp净利率更高（34.1% vs 7.6%，领先26.5%），过去两年SouthState Bank Corp的营收复合增速更高（37.4% vs 17.6%）
Cavco工业是总部位于美国亚利桑那州凤凰城的制造企业，主营模块化住宅、休闲房车、度假木屋及预制房屋产品，在美国各地布局有完善的制造工厂与零售门店网络，可满足多元居住及休闲场景的使用需求。
SouthState Bank总部位于美国佛罗里达州温特黑文，是银行控股公司SouthState Corporation旗下的银行子公司。截至2025年5月26日，该行已在南卡罗来纳、北卡罗来纳、佐治亚、佛罗里达、阿拉巴马、弗吉尼亚、科罗拉多、得克萨斯八州设有371家营业网点，为当地客户提供各类银行金融服务。
CVCO vs SSB — 直观对比
营收规模更大
SSB
是对方的1.1倍
$581.0M
净利率更高
SSB
高出26.5%
7.6%
两年增速更快
SSB
近两年复合增速
17.6%
损益表 — Q3 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $581.0M | $661.7M |
| 净利润 | $44.1M | $225.8M |
| 毛利率 | 23.4% | — |
| 营业利润率 | 9.4% | 15.1% |
| 净利率 | 7.6% | 34.1% |
| 营收同比 | 11.3% | — |
| 净利润同比 | -22.0% | 153.5% |
| 每股收益（稀释后） | $5.58 | $2.28 |
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CVCOSSB
| Q1 26 | — | $661.7M | ||
| Q4 25 | $581.0M | $581.1M | ||
| Q3 25 | $556.5M | $599.7M | ||
| Q2 25 | $556.9M | $577.9M | ||
| Q1 25 | $508.4M | $544.5M | ||
| Q4 24 | $522.0M | $369.8M | ||
| Q3 24 | $507.5M | $351.5M | ||
| Q2 24 | $477.6M | $350.3M |
净利润CVCOSSB
| Q1 26 | — | $225.8M | ||
| Q4 25 | $44.1M | $247.7M | ||
| Q3 25 | $52.4M | $246.6M | ||
| Q2 25 | $51.6M | $215.2M | ||
| Q1 25 | $36.3M | $89.1M | ||
| Q4 24 | $56.5M | $144.2M | ||
| Q3 24 | $43.8M | $143.2M | ||
| Q2 24 | $34.4M | $132.4M |
毛利率CVCOSSB
| Q1 26 | — | — | ||
| Q4 25 | 23.4% | — | ||
| Q3 25 | 24.2% | — | ||
| Q2 25 | 23.3% | — | ||
| Q1 25 | 22.8% | — | ||
| Q4 24 | 24.9% | — | ||
| Q3 24 | 22.9% | — | ||
| Q2 24 | 21.7% | — |
营业利润率CVCOSSB
| Q1 26 | — | 15.1% | ||
| Q4 25 | 9.4% | 54.3% | ||
| Q3 25 | 11.2% | 53.6% | ||
| Q2 25 | 10.8% | 48.8% | ||
| Q1 25 | 7.6% | 22.3% | ||
| Q4 24 | 12.3% | 50.7% | ||
| Q3 24 | 9.7% | 53.1% | ||
| Q2 24 | 8.1% | 49.3% |
净利率CVCOSSB
| Q1 26 | — | 34.1% | ||
| Q4 25 | 7.6% | 42.6% | ||
| Q3 25 | 9.4% | 41.1% | ||
| Q2 25 | 9.3% | 37.2% | ||
| Q1 25 | 7.1% | 16.4% | ||
| Q4 24 | 10.8% | 39.0% | ||
| Q3 24 | 8.6% | 40.7% | ||
| Q2 24 | 7.2% | 37.8% |
每股收益（稀释后）CVCOSSB
| Q1 26 | — | $2.28 | ||
| Q4 25 | $5.58 | $2.47 | ||
| Q3 25 | $6.55 | $2.42 | ||
| Q2 25 | $6.42 | $2.11 | ||
| Q1 25 | $4.42 | $0.87 | ||
| Q4 24 | $6.90 | $1.88 | ||
| Q3 24 | $5.28 | $1.86 | ||
| Q2 24 | $4.11 | $1.73 |
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 | $241.9M | $2.9B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.1B | $9.0B |
| 总资产 | $1.5B | $68.0B |
| 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CVCOSSB
| Q1 26 | — | $2.9B | ||
| Q4 25 | $241.9M | — | ||
| Q3 25 | $391.8M | — | ||
| Q2 25 | $362.4M | — | ||
| Q1 25 | $376.1M | — | ||
| Q4 24 | $378.9M | — | ||
| Q3 24 | $388.7M | — | ||
| Q2 24 | $380.0M | — |
股东权益CVCOSSB
| Q1 26 | — | $9.0B | ||
| Q4 25 | $1.1B | $9.1B | ||
| Q3 25 | $1.1B | $9.0B | ||
| Q2 25 | $1.1B | $8.8B | ||
| Q1 25 | $1.1B | $8.6B | ||
| Q4 24 | $1.1B | $5.9B | ||
| Q3 24 | $1.0B | $5.9B | ||
| Q2 24 | $1.0B | $5.7B |
总资产CVCOSSB
| Q1 26 | — | $68.0B | ||
| Q4 25 | $1.5B | $67.2B | ||
| Q3 25 | $1.4B | $66.0B | ||
| Q2 25 | $1.4B | $65.9B | ||
| Q1 25 | $1.4B | $65.1B | ||
| Q4 24 | $1.4B | $46.4B | ||
| Q3 24 | $1.4B | $46.1B | ||
| Q2 24 | $1.4B | $45.5B |
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 | $66.1M | — |
| 自由现金流经营现金流 - 资本支出 | $57.6M | — |
| 自由现金流率自由现金流/营收 | 9.9% | — |
| 资本支出强度资本支出/营收 | 1.5% | — |
| 现金转化率经营现金流/净利润 | 1.50× | — |
| 过去12个月自由现金流最近4个季度 | $205.3M | — |
8季度趋势，按日历期对齐
经营现金流CVCOSSB
| Q1 26 | — | — | ||
| Q4 25 | $66.1M | $232.1M | ||
| Q3 25 | $78.5M | $122.4M | ||
| Q2 25 | $55.5M | $72.6M | ||
| Q1 25 | $38.6M | $-126.3M | ||
| Q4 24 | $37.8M | $354.3M | ||
| Q3 24 | $54.7M | $-246.8M | ||
| Q2 24 | $47.4M | $126.8M |
自由现金流CVCOSSB
| Q1 26 | — | — | ||
| Q4 25 | $57.6M | $215.5M | ||
| Q3 25 | $68.7M | $101.7M | ||
| Q2 25 | $46.4M | $52.5M | ||
| Q1 25 | $32.5M | $-139.1M | ||
| Q4 24 | $32.3M | $340.9M | ||
| Q3 24 | $49.8M | $-254.2M | ||
| Q2 24 | $42.4M | $117.3M |
自由现金流率CVCOSSB
| Q1 26 | — | — | ||
| Q4 25 | 9.9% | 37.1% | ||
| Q3 25 | 12.4% | 17.0% | ||
| Q2 25 | 8.3% | 9.1% | ||
| Q1 25 | 6.4% | -25.5% | ||
| Q4 24 | 6.2% | 92.2% | ||
| Q3 24 | 9.8% | -72.3% | ||
| Q2 24 | 8.9% | 33.5% |
资本支出强度CVCOSSB
| Q1 26 | — | — | ||
| Q4 25 | 1.5% | 2.9% | ||
| Q3 25 | 1.7% | 3.5% | ||
| Q2 25 | 1.6% | 3.5% | ||
| Q1 25 | 1.2% | 2.4% | ||
| Q4 24 | 1.0% | 3.6% | ||
| Q3 24 | 1.0% | 2.1% | ||
| Q2 24 | 1.0% | 2.7% |
现金转化率CVCOSSB
| Q1 26 | — | — | ||
| Q4 25 | 1.50× | 0.94× | ||
| Q3 25 | 1.50× | 0.50× | ||
| Q2 25 | 1.08× | 0.34× | ||
| Q1 25 | 1.06× | -1.42× | ||
| Q4 24 | 0.67× | 2.46× | ||
| Q3 24 | 1.25× | -1.72× | ||
| Q2 24 | 1.38× | 0.96× |
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
CVCO
| Manufactured Product Other | $532.5M | 92% |
| Other | $26.0M | 4% |
| Financial Service Other | $20.5M | 4% |
| Insurance Agency Commissions | $2.0M | 0% |
SSB
| Net Interest Income | $561.6M | 85% |
| Noninterest Income | $100.1M | 15% |
