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Dream Finders Homes, Inc.（DFH）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
Dream Finders Homes, Inc.的季度营收约是SouthState Bank Corp的1.8倍（$1.2B vs $661.7M），SouthState Bank Corp净利率更高（34.1% vs 4.8%，领先29.3%），过去两年SouthState Bank Corp的营收复合增速更高（37.4% vs 21.0%）
美国住宅建筑商Dream Finders Homes主要建造并销售独栋住宅、联排别墅等覆盖入门级到高端档次的居住物业，业务布局美国多个高速增长区域，同时为购房者提供按揭融资、产权保险、房屋保修等配套服务，覆盖各类客户群体。
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。
DFH vs SSB — 直观对比
营收规模更大
DFH
是对方的1.8倍
$661.7M
净利率更高
SSB
高出29.3%
4.8%
两年增速更快
SSB
近两年复合增速
21.0%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.2B | $661.7M |
| 净利润 | $58.8M | $225.8M |
| 毛利率 | — | — |
| 营业利润率 | 6.4% | 15.1% |
| 净利率 | 4.8% | 34.1% |
| 营收同比 | -22.3% | — |
| 净利润同比 | -54.9% | 153.5% |
| 每股收益（稀释后） | $0.57 | $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DFHSSB
| Q1 26 | — | $661.7M | ||
| Q4 25 | $1.2B | $581.1M | ||
| Q3 25 | $969.8M | $599.7M | ||
| Q2 25 | $1.2B | $577.9M | ||
| Q1 25 | $989.9M | $544.5M | ||
| Q4 24 | $1.6B | $369.8M | ||
| Q3 24 | $1.0B | $351.5M | ||
| Q2 24 | $1.1B | $350.3M |
净利润DFHSSB
| Q1 26 | — | $225.8M | ||
| Q4 25 | $58.8M | $247.7M | ||
| Q3 25 | $47.0M | $246.6M | ||
| Q2 25 | $56.6M | $215.2M | ||
| Q1 25 | $54.9M | $89.1M | ||
| Q4 24 | $130.5M | $144.2M | ||
| Q3 24 | $70.7M | $143.2M | ||
| Q2 24 | $80.9M | $132.4M |
毛利率DFHSSB
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 19.2% | — |
营业利润率DFHSSB
| Q1 26 | — | 15.1% | ||
| Q4 25 | 6.4% | 54.3% | ||
| Q3 25 | 6.3% | 53.6% | ||
| Q2 25 | 6.4% | 48.8% | ||
| Q1 25 | 7.2% | 22.3% | ||
| Q4 24 | 10.8% | 50.7% | ||
| Q3 24 | 9.2% | 53.1% | ||
| Q2 24 | 10.0% | 49.3% |
净利率DFHSSB
| Q1 26 | — | 34.1% | ||
| Q4 25 | 4.8% | 42.6% | ||
| Q3 25 | 4.8% | 41.1% | ||
| Q2 25 | 4.9% | 37.2% | ||
| Q1 25 | 5.5% | 16.4% | ||
| Q4 24 | 8.4% | 39.0% | ||
| Q3 24 | 7.0% | 40.7% | ||
| Q2 24 | 7.7% | 37.8% |
每股收益（稀释后）DFHSSB
| Q1 26 | — | $2.28 | ||
| Q4 25 | $0.57 | $2.47 | ||
| Q3 25 | $0.47 | $2.42 | ||
| Q2 25 | $0.56 | $2.11 | ||
| Q1 25 | $0.54 | $0.87 | ||
| Q4 24 | $1.28 | $1.88 | ||
| Q3 24 | $0.70 | $1.86 | ||
| Q2 24 | $0.81 | $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 | $234.8M | $2.9B |
| 总债务越低越好 | $1.6B | — |
| 股东权益账面价值 | $1.4B | $9.0B |
| 总资产 | $3.7B | $68.0B |
| 负债/权益比越低杠杆越低 | 1.13× | — |
8季度趋势，按日历期对齐
现金及短期投资DFHSSB
| Q1 26 | — | $2.9B | ||
| Q4 25 | $234.8M | — | ||
| Q3 25 | $251.0M | — | ||
| Q2 25 | $210.3M | — | ||
| Q1 25 | $297.5M | — | ||
| Q4 24 | $274.4M | — | ||
| Q3 24 | $204.9M | — | ||
| Q2 24 | $274.8M | — |
总债务DFHSSB
| Q1 26 | — | — | ||
| Q4 25 | $1.6B | — | ||
| Q3 25 | $1.8B | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $1.3B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益DFHSSB
| Q1 26 | — | $9.0B | ||
| Q4 25 | $1.4B | $9.1B | ||
| Q3 25 | $1.4B | $9.0B | ||
| Q2 25 | $1.3B | $8.8B | ||
| Q1 25 | $1.3B | $8.6B | ||
| Q4 24 | $1.2B | $5.9B | ||
| Q3 24 | $1.1B | $5.9B | ||
| Q2 24 | $1.0B | $5.7B |
总资产DFHSSB
| Q1 26 | — | $68.0B | ||
| Q4 25 | $3.7B | $67.2B | ||
| Q3 25 | $3.8B | $66.0B | ||
| Q2 25 | $3.7B | $65.9B | ||
| Q1 25 | $3.5B | $65.1B | ||
| Q4 24 | $3.3B | $46.4B | ||
| Q3 24 | $3.3B | $46.1B | ||
| Q2 24 | $3.0B | $45.5B |
负债/权益比DFHSSB
| Q1 26 | — | — | ||
| Q4 25 | 1.13× | — | ||
| Q3 25 | 1.29× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 1.03× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | $143.6M | — |
| 自由现金流经营现金流 - 资本支出 | $136.0M | — |
| 自由现金流率自由现金流/营收 | 11.2% | — |
| 资本支出强度资本支出/营收 | 0.6% | — |
| 现金转化率经营现金流/净利润 | 2.44× | — |
| 过去12个月自由现金流最近4个季度 | $-126.4M | — |
8季度趋势，按日历期对齐
经营现金流DFHSSB
| Q1 26 | — | — | ||
| Q4 25 | $143.6M | $232.1M | ||
| Q3 25 | $-131.0M | $122.4M | ||
| Q2 25 | $-68.5M | $72.6M | ||
| Q1 25 | $-44.7M | $-126.3M | ||
| Q4 24 | $306.5M | $354.3M | ||
| Q3 24 | $-205.0M | $-246.8M | ||
| Q2 24 | $-110.6M | $126.8M |
自由现金流DFHSSB
| Q1 26 | — | — | ||
| Q4 25 | $136.0M | $215.5M | ||
| Q3 25 | $-135.7M | $101.7M | ||
| Q2 25 | $-78.8M | $52.5M | ||
| Q1 25 | $-47.9M | $-139.1M | ||
| Q4 24 | $302.6M | $340.9M | ||
| Q3 24 | $-222.5M | $-254.2M | ||
| Q2 24 | $-112.4M | $117.3M |
自由现金流率DFHSSB
| Q1 26 | — | — | ||
| Q4 25 | 11.2% | 37.1% | ||
| Q3 25 | -14.0% | 17.0% | ||
| Q2 25 | -6.8% | 9.1% | ||
| Q1 25 | -4.8% | -25.5% | ||
| Q4 24 | 19.4% | 92.2% | ||
| Q3 24 | -22.1% | -72.3% | ||
| Q2 24 | -10.6% | 33.5% |
资本支出强度DFHSSB
| Q1 26 | — | — | ||
| Q4 25 | 0.6% | 2.9% | ||
| Q3 25 | 0.5% | 3.5% | ||
| Q2 25 | 0.9% | 3.5% | ||
| Q1 25 | 0.3% | 2.4% | ||
| Q4 24 | 0.3% | 3.6% | ||
| Q3 24 | 1.7% | 2.1% | ||
| Q2 24 | 0.2% | 2.7% |
现金转化率DFHSSB
| Q1 26 | — | — | ||
| Q4 25 | 2.44× | 0.94× | ||
| Q3 25 | -2.79× | 0.50× | ||
| Q2 25 | -1.21× | 0.34× | ||
| Q1 25 | -0.81× | -1.42× | ||
| Q4 24 | 2.35× | 2.46× | ||
| Q3 24 | -2.90× | -1.72× | ||
| Q2 24 | -1.37× | 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
DFH
| Midwest Segment | $454.2M | 37% |
| Southeast Segment | $397.5M | 33% |
| Mid Atlantic Segment | $307.3M | 25% |
| Financial Services Segment | $53.7M | 4% |
SSB
| Net Interest Income | $561.6M | 85% |
| Noninterest Income | $100.1M | 15% |
