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化石集团（FOSL）与PROSPERITY BANCSHARES INC（PB）财务数据对比。点击上方公司名可切换其他公司
PROSPERITY BANCSHARES INC的季度营收约是化石集团的1.4倍（$367.6M vs $270.2M），PROSPERITY BANCSHARES INC净利率更高（31.6% vs -14.8%，领先46.4%），过去两年PROSPERITY BANCSHARES INC的营收复合增速更高（19.2% vs -11.4%）
化石集团是1984年成立的美国时尚设计制造企业，总部位于得克萨斯州理查森。集团旗下拥有Fossil、Relic、Michele Watch、Skagen、Zodiac Watches等多个品牌，同时也为宝马、彪马、阿玛尼、迈克高仕、DKNY等多个知名品牌代工生产授权配饰。
Prosperity Bancshares Inc.是总部位于美国得克萨斯州休斯顿的银行控股公司，业务覆盖得克萨斯州及俄克拉荷马州中部。截至2019年12月31日，公司共运营285家分支机构，广泛分布在休斯顿、达拉斯-沃斯堡都会区及得州南部、东部、中部、西部等区域。
FOSL vs PB — 直观对比
营收规模更大
PB
是对方的1.4倍
$270.2M
净利率更高
PB
高出46.4%
-14.8%
两年增速更快
PB
近两年复合增速
-11.4%
损益表 — Q3 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $270.2M | $367.6M |
| 净利润 | $-40.0M | $116.3M |
| 毛利率 | 49.0% | — |
| 营业利润率 | -8.0% | — |
| 净利率 | -14.8% | 31.6% |
| 营收同比 | -21.1% | — |
| 净利润同比 | -257.8% | -10.7% |
| 每股收益（稀释后） | $-0.76 | $1.16 |
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FOSLPB
| Q1 26 | — | $367.6M | ||
| Q4 25 | $270.2M | $275.0M | ||
| Q3 25 | $220.4M | $273.4M | ||
| Q2 25 | $233.3M | $267.7M | ||
| Q1 25 | — | $265.4M | ||
| Q4 24 | $342.3M | $267.8M | ||
| Q3 24 | $287.8M | $261.7M | ||
| Q2 24 | $260.0M | $258.8M |
净利润FOSLPB
| Q1 26 | — | $116.3M | ||
| Q4 25 | $-40.0M | $139.9M | ||
| Q3 25 | $-2.1M | $137.6M | ||
| Q2 25 | $-17.9M | $135.2M | ||
| Q1 25 | — | $130.2M | ||
| Q4 24 | $-11.2M | $130.1M | ||
| Q3 24 | $-31.9M | $127.3M | ||
| Q2 24 | $-38.8M | $111.6M |
毛利率FOSLPB
| Q1 26 | — | — | ||
| Q4 25 | 49.0% | — | ||
| Q3 25 | 57.5% | — | ||
| Q2 25 | 61.3% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 53.9% | — | ||
| Q3 24 | 49.4% | — | ||
| Q2 24 | 52.6% | — |
营业利润率FOSLPB
| Q1 26 | — | — | ||
| Q4 25 | -8.0% | 65.1% | ||
| Q3 25 | 3.9% | 64.4% | ||
| Q2 25 | -2.9% | 64.3% | ||
| Q1 25 | — | 62.7% | ||
| Q4 24 | -4.8% | 62.0% | ||
| Q3 24 | -8.5% | 62.1% | ||
| Q2 24 | -13.1% | 55.2% |
净利率FOSLPB
| Q1 26 | — | 31.6% | ||
| Q4 25 | -14.8% | 50.9% | ||
| Q3 25 | -1.0% | 50.3% | ||
| Q2 25 | -7.7% | 50.5% | ||
| Q1 25 | — | 49.1% | ||
| Q4 24 | -3.3% | 48.6% | ||
| Q3 24 | -11.1% | 48.6% | ||
| Q2 24 | -14.9% | 43.1% |
每股收益（稀释后）FOSLPB
| Q1 26 | — | $1.16 | ||
| Q4 25 | $-0.76 | $1.48 | ||
| Q3 25 | $-0.04 | $1.45 | ||
| Q2 25 | $-0.33 | $1.42 | ||
| Q1 25 | — | $1.37 | ||
| Q4 24 | $-0.15 | $1.36 | ||
| Q3 24 | $-0.60 | $1.34 | ||
| Q2 24 | $-0.73 | $1.17 |
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 | $79.2M | — |
| 总债务越低越好 | $169.1M | — |
| 股东权益账面价值 | $112.6M | $8.2B |
| 总资产 | $701.0M | $43.6B |
| 负债/权益比越低杠杆越低 | 1.50× | — |
8季度趋势，按日历期对齐
现金及短期投资FOSLPB
| Q1 26 | — | — | ||
| Q4 25 | $79.2M | — | ||
| Q3 25 | $109.9M | — | ||
| Q2 25 | $78.3M | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $123.6M | — | ||
| Q3 24 | $106.3M | — | ||
| Q2 24 | $104.9M | — |
总债务FOSLPB
| Q1 26 | — | — | ||
| Q4 25 | $169.1M | — | ||
| Q3 25 | $165.6M | — | ||
| Q2 25 | $167.2M | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $162.7M | — | ||
| Q3 24 | $173.4M | — | ||
| Q2 24 | $156.5M | — |
股东权益FOSLPB
| Q1 26 | — | $8.2B | ||
| Q4 25 | $112.6M | $7.6B | ||
| Q3 25 | $150.3M | $7.7B | ||
| Q2 25 | $140.6M | $7.6B | ||
| Q1 25 | — | $7.5B | ||
| Q4 24 | $148.7M | $7.4B | ||
| Q3 24 | $164.4M | $7.4B | ||
| Q2 24 | $189.6M | $7.3B |
总资产FOSLPB
| Q1 26 | — | $43.6B | ||
| Q4 25 | $701.0M | $38.5B | ||
| Q3 25 | $704.5M | $38.3B | ||
| Q2 25 | $686.0M | $38.4B | ||
| Q1 25 | — | $38.8B | ||
| Q4 24 | $763.6M | $39.6B | ||
| Q3 24 | $812.4M | $40.1B | ||
| Q2 24 | $785.7M | $39.8B |
负债/权益比FOSLPB
| Q1 26 | — | — | ||
| Q4 25 | 1.50× | — | ||
| Q3 25 | 1.10× | — | ||
| Q2 25 | 1.19× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 1.09× | — | ||
| Q3 24 | 1.06× | — | ||
| Q2 24 | 0.83× | — |
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 | $-22.2M | — |
| 自由现金流经营现金流 - 资本支出 | $-22.5M | — |
| 自由现金流率自由现金流/营收 | -8.3% | — |
| 资本支出强度资本支出/营收 | 0.1% | — |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | $-46.0M | — |
8季度趋势，按日历期对齐
经营现金流FOSLPB
| Q1 26 | — | — | ||
| Q4 25 | $-22.2M | $78.3M | ||
| Q3 25 | $9.4M | $194.8M | ||
| Q2 25 | $-60.4M | $98.2M | ||
| Q1 25 | — | $178.2M | ||
| Q4 24 | $30.5M | $-205.8M | ||
| Q3 24 | $-22.8M | $274.6M | ||
| Q2 24 | $38.4M | $216.5M |
自由现金流FOSLPB
| Q1 26 | — | — | ||
| Q4 25 | $-22.5M | $68.5M | ||
| Q3 25 | $8.6M | $185.7M | ||
| Q2 25 | $-60.6M | $91.8M | ||
| Q1 25 | — | $171.1M | ||
| Q4 24 | $28.5M | $-210.7M | ||
| Q3 24 | $-24.1M | $270.2M | ||
| Q2 24 | $36.6M | $211.8M |
自由现金流率FOSLPB
| Q1 26 | — | — | ||
| Q4 25 | -8.3% | 24.9% | ||
| Q3 25 | 3.9% | 67.9% | ||
| Q2 25 | -26.0% | 34.3% | ||
| Q1 25 | — | 64.5% | ||
| Q4 24 | 8.3% | -78.7% | ||
| Q3 24 | -8.4% | 103.3% | ||
| Q2 24 | 14.1% | 81.8% |
资本支出强度FOSLPB
| Q1 26 | — | — | ||
| Q4 25 | 0.1% | 3.6% | ||
| Q3 25 | 0.4% | 3.3% | ||
| Q2 25 | 0.1% | 2.4% | ||
| Q1 25 | — | 2.7% | ||
| Q4 24 | 0.6% | 1.8% | ||
| Q3 24 | 0.4% | 1.7% | ||
| Q2 24 | 0.7% | 1.8% |
现金转化率FOSLPB
| Q1 26 | — | — | ||
| Q4 25 | — | 0.56× | ||
| Q3 25 | — | 1.42× | ||
| Q2 25 | — | 0.73× | ||
| Q1 25 | — | 1.37× | ||
| Q4 24 | — | -1.58× | ||
| Q3 24 | — | 2.16× | ||
| Q2 24 | — | 1.94× |
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
FOSL
| Transferred At Point In Time | $109.7M | 41% |
| Traditional Watches | $91.3M | 34% |
| Other | $50.8M | 19% |
| Leathers | $9.5M | 4% |
| Jewelry | $4.0M | 1% |
| Smartwatches | $3.3M | 1% |
| Products Other | $1.6M | 1% |
PB
| Net Interest Income | $321.1M | 87% |
| Noninterest Income | $46.5M | 13% |
