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H2O AMERICA（HTO）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H2O AMERICA的1.8倍（$367.6M vs $199.4M），PROSPERITY BANCSHARES INC净利率更高（31.6% vs 8.1%，领先23.5%），过去两年PROSPERITY BANCSHARES INC的营收复合增速更高（19.2% vs 15.3%）
H2O Wireless是美国的预付费移动通信服务商，依托AT&T网络运营，隶属于MVNO（移动虚拟网络运营商）Locus通信，自2019年起Locus成为Telrite控股的子公司，此前2010年起曾是KDDI美国旗下资产。该品牌主打无限制套餐服务，支持用户自带或购买无锁智能手机入网，AT&T合约机/锁网机也可兼容使用。
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。
HTO vs PB — 直观对比
营收规模更大
PB
是对方的1.8倍
$199.4M
净利率更高
PB
高出23.5%
8.1%
两年增速更快
PB
近两年复合增速
15.3%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $199.4M | $367.6M |
| 净利润 | $16.2M | $116.3M |
| 毛利率 | — | — |
| 营业利润率 | 16.6% | — |
| 净利率 | 8.1% | 31.6% |
| 营收同比 | 1.5% | — |
| 净利润同比 | -29.2% | -10.7% |
| 每股收益（稀释后） | $0.45 | $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HTOPB
| Q1 26 | — | $367.6M | ||
| Q4 25 | $199.4M | $275.0M | ||
| Q3 25 | $243.5M | $273.4M | ||
| Q2 25 | $197.8M | $267.7M | ||
| Q1 25 | $164.9M | $265.4M | ||
| Q4 24 | $196.5M | $267.8M | ||
| Q3 24 | $216.7M | $261.7M | ||
| Q2 24 | $173.1M | $258.8M |
净利润HTOPB
| Q1 26 | — | $116.3M | ||
| Q4 25 | $16.2M | $139.9M | ||
| Q3 25 | $45.1M | $137.6M | ||
| Q2 25 | $24.7M | $135.2M | ||
| Q1 25 | $16.6M | $130.2M | ||
| Q4 24 | $22.9M | $130.1M | ||
| Q3 24 | $38.7M | $127.3M | ||
| Q2 24 | $20.7M | $111.6M |
营业利润率HTOPB
| Q1 26 | — | — | ||
| Q4 25 | 16.6% | 65.1% | ||
| Q3 25 | 26.5% | 64.4% | ||
| Q2 25 | 22.2% | 64.3% | ||
| Q1 25 | 21.8% | 62.7% | ||
| Q4 24 | 22.2% | 62.0% | ||
| Q3 24 | 26.9% | 62.1% | ||
| Q2 24 | 23.4% | 55.2% |
净利率HTOPB
| Q1 26 | — | 31.6% | ||
| Q4 25 | 8.1% | 50.9% | ||
| Q3 25 | 18.5% | 50.3% | ||
| Q2 25 | 12.5% | 50.5% | ||
| Q1 25 | 10.0% | 49.1% | ||
| Q4 24 | 11.7% | 48.6% | ||
| Q3 24 | 17.8% | 48.6% | ||
| Q2 24 | 12.0% | 43.1% |
每股收益（稀释后）HTOPB
| Q1 26 | — | $1.16 | ||
| Q4 25 | $0.45 | $1.48 | ||
| Q3 25 | $1.27 | $1.45 | ||
| Q2 25 | $0.71 | $1.42 | ||
| Q1 25 | $0.49 | $1.37 | ||
| Q4 24 | $0.70 | $1.36 | ||
| Q3 24 | $1.17 | $1.34 | ||
| Q2 24 | $0.64 | $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 | $20.7M | — |
| 总债务越低越好 | $1.9B | — |
| 股东权益账面价值 | $1.5B | $8.2B |
| 总资产 | $5.1B | $43.6B |
| 负债/权益比越低杠杆越低 | 1.23× | — |
8季度趋势，按日历期对齐
现金及短期投资HTOPB
| Q1 26 | — | — | ||
| Q4 25 | $20.7M | — | ||
| Q3 25 | $11.3M | — | ||
| Q2 25 | $19.8M | — | ||
| Q1 25 | $23.7M | — | ||
| Q4 24 | $11.1M | — | ||
| Q3 24 | $4.0M | — | ||
| Q2 24 | $22.8M | — |
总债务HTOPB
| Q1 26 | — | — | ||
| Q4 25 | $1.9B | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益HTOPB
| Q1 26 | — | $8.2B | ||
| Q4 25 | $1.5B | $7.6B | ||
| Q3 25 | $1.5B | $7.7B | ||
| Q2 25 | $1.5B | $7.6B | ||
| Q1 25 | $1.4B | $7.5B | ||
| Q4 24 | $1.4B | $7.4B | ||
| Q3 24 | $1.3B | $7.4B | ||
| Q2 24 | $1.3B | $7.3B |
总资产HTOPB
| Q1 26 | — | $43.6B | ||
| Q4 25 | $5.1B | $38.5B | ||
| Q3 25 | $5.0B | $38.3B | ||
| Q2 25 | $4.8B | $38.4B | ||
| Q1 25 | $4.7B | $38.8B | ||
| Q4 24 | $4.7B | $39.6B | ||
| Q3 24 | $4.6B | $40.1B | ||
| Q2 24 | $4.4B | $39.8B |
负债/权益比HTOPB
| Q1 26 | — | — | ||
| Q4 25 | 1.23× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 1.26× | — | ||
| 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 | $63.5M | — |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | 3.92× | — |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流HTOPB
| Q1 26 | — | — | ||
| Q4 25 | $63.5M | $78.3M | ||
| Q3 25 | $77.3M | $194.8M | ||
| Q2 25 | $60.8M | $98.2M | ||
| Q1 25 | $43.2M | $178.2M | ||
| Q4 24 | $41.5M | $-205.8M | ||
| Q3 24 | $53.5M | $274.6M | ||
| Q2 24 | $49.3M | $216.5M |
自由现金流HTOPB
| Q1 26 | — | — | ||
| Q4 25 | — | $68.5M | ||
| Q3 25 | — | $185.7M | ||
| Q2 25 | — | $91.8M | ||
| Q1 25 | — | $171.1M | ||
| Q4 24 | — | $-210.7M | ||
| Q3 24 | — | $270.2M | ||
| Q2 24 | — | $211.8M |
自由现金流率HTOPB
| Q1 26 | — | — | ||
| Q4 25 | — | 24.9% | ||
| Q3 25 | — | 67.9% | ||
| Q2 25 | — | 34.3% | ||
| Q1 25 | — | 64.5% | ||
| Q4 24 | — | -78.7% | ||
| Q3 24 | — | 103.3% | ||
| Q2 24 | — | 81.8% |
资本支出强度HTOPB
| Q1 26 | — | — | ||
| Q4 25 | — | 3.6% | ||
| Q3 25 | — | 3.3% | ||
| Q2 25 | — | 2.4% | ||
| Q1 25 | — | 2.7% | ||
| Q4 24 | — | 1.8% | ||
| Q3 24 | — | 1.7% | ||
| Q2 24 | — | 1.8% |
现金转化率HTOPB
| Q1 26 | — | — | ||
| Q4 25 | 3.92× | 0.56× | ||
| Q3 25 | 1.71× | 1.42× | ||
| Q2 25 | 2.47× | 0.73× | ||
| Q1 25 | 2.61× | 1.37× | ||
| Q4 24 | 1.81× | -1.58× | ||
| Q3 24 | 1.39× | 2.16× | ||
| Q2 24 | 2.38× | 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
HTO
| Water Utility Services | $191.0M | 96% |
| Other | $8.4M | 4% |
PB
| Net Interest Income | $321.1M | 87% |
| Noninterest Income | $46.5M | 13% |
