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INTERNATIONAL BANCSHARES CORP（IBOC）与Penguin Solutions, Inc.（PENG）财务数据对比。点击上方公司名可切换其他公司
Penguin Solutions, Inc.的季度营收约是INTERNATIONAL BANCSHARES CORP的1.6倍（$343.1M vs $217.7M），INTERNATIONAL BANCSHARES CORP净利率更高（62.3% vs 1.5%，领先60.8%），INTERNATIONAL BANCSHARES CORP同比增速更快（4.5% vs 0.6%），INTERNATIONAL BANCSHARES CORP自由现金流更多（$472.9M vs $28.2M），过去两年Penguin Solutions, Inc.的营收复合增速更高（11.8% vs 2.8%）
国际银行股份公司（International Bancshares Corporation）是总部位于美国得克萨斯州拉雷多的银行控股公司，核心子公司为国际商业银行。目前集团通过旗下银行子公司运营217个营业网点、315台自动柜员机，服务覆盖得克萨斯州、俄克拉荷马州的88个城镇社区。
企鹅解决方案公司旗下的兰波集团以拉姆齐解决方案品牌开展业务，是一家美国企业，业务涵盖个人理财、领导力发展、人际关系管理与职业发展相关产品与服务。该公司由戴夫·拉姆齐与妻子莎伦于1991年创立，总部位于田纳西州富兰克林。
IBOC vs PENG — 直观对比
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $217.7M | $343.1M |
| 净利润 | $106.9M | $5.3M |
| 毛利率 | — | 28.0% |
| 营业利润率 | 62.8% | 5.7% |
| 净利率 | 62.3% | 1.5% |
| 营收同比 | 4.5% | 0.6% |
| 净利润同比 | -7.1% | 1.0% |
| 每股收益（稀释后） | $1.71 | $0.04 |
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
| Q4 25 | $217.7M | $343.1M | ||
| Q3 25 | $218.1M | $337.9M | ||
| Q2 25 | $208.2M | $324.3M | ||
| Q1 25 | $198.2M | $365.5M | ||
| Q4 24 | $208.3M | $341.1M | ||
| Q3 24 | $211.8M | $284.8M | ||
| Q2 24 | $207.8M | $300.6M | ||
| Q1 24 | $205.8M | — |
| Q4 25 | $106.9M | $5.3M | ||
| Q3 25 | $108.4M | $9.4M | ||
| Q2 25 | $100.1M | $2.7M | ||
| Q1 25 | $96.9M | $8.1M | ||
| Q4 24 | $115.1M | $5.2M | ||
| Q3 24 | $99.8M | — | ||
| Q2 24 | $97.0M | $5.6M | ||
| Q1 24 | $97.3M | — |
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 28.6% | ||
| Q2 25 | — | 29.3% | ||
| Q1 25 | — | 28.6% | ||
| Q4 24 | — | 28.7% | ||
| Q3 24 | — | 28.8% | ||
| Q2 24 | — | 29.6% | ||
| Q1 24 | — | — |
| Q4 25 | 62.8% | 5.7% | ||
| Q3 25 | 62.6% | 3.7% | ||
| Q2 25 | 60.5% | 3.0% | ||
| Q1 25 | 61.1% | 5.1% | ||
| Q4 24 | 64.2% | 5.1% | ||
| Q3 24 | 60.0% | -1.2% | ||
| Q2 24 | 60.1% | 3.8% | ||
| Q1 24 | 59.9% | — |
| Q4 25 | 62.3% | 1.5% | ||
| Q3 25 | 49.7% | 2.8% | ||
| Q2 25 | 48.1% | 0.8% | ||
| Q1 25 | 48.9% | 2.2% | ||
| Q4 24 | 71.5% | 1.5% | ||
| Q3 24 | 47.1% | — | ||
| Q2 24 | 46.7% | 1.9% | ||
| Q1 24 | 47.3% | — |
| Q4 25 | $1.71 | $0.04 | ||
| Q3 25 | $1.74 | $0.10 | ||
| Q2 25 | $1.61 | $-0.01 | ||
| Q1 25 | $1.56 | $0.09 | ||
| Q4 24 | $1.85 | $0.10 | ||
| Q3 24 | $1.60 | — | ||
| Q2 24 | $1.56 | $0.10 | ||
| Q1 24 | $1.56 | — |
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 | $5.5B | $461.5M |
| 总债务越低越好 | — | $462.3M |
| 股东权益账面价值 | $3.3B | $389.7M |
| 总资产 | $16.6B | $1.6B |
| 负债/权益比越低杠杆越低 | — | 1.19× |
8季度趋势，按日历期对齐
| Q4 25 | $5.5B | $461.5M | ||
| Q3 25 | $5.6B | $453.8M | ||
| Q2 25 | $5.8B | $735.5M | ||
| Q1 25 | $5.6B | $647.0M | ||
| Q4 24 | $5.4B | $393.7M | ||
| Q3 24 | $5.8B | $389.5M | ||
| Q2 24 | $5.7B | $467.5M | ||
| Q1 24 | $5.7B | — |
| Q4 25 | — | $462.3M | ||
| Q3 25 | — | $461.8M | ||
| Q2 25 | — | $659.5M | ||
| Q1 25 | — | $658.8M | ||
| Q4 24 | — | $658.1M | ||
| Q3 24 | — | $657.3M | ||
| Q2 24 | — | $667.0M | ||
| Q1 24 | — | — |
| Q4 25 | $3.3B | $389.7M | ||
| Q3 25 | $3.1B | $394.2M | ||
| Q2 25 | $3.0B | $584.8M | ||
| Q1 25 | $2.9B | $602.5M | ||
| Q4 24 | $2.8B | $400.4M | ||
| Q3 24 | $2.7B | $391.4M | ||
| Q2 24 | $2.6B | $423.4M | ||
| Q1 24 | $2.5B | — |
| Q4 25 | $16.6B | $1.6B | ||
| Q3 25 | $16.6B | $1.6B | ||
| Q2 25 | $16.5B | $1.8B | ||
| Q1 25 | $16.3B | $1.8B | ||
| Q4 24 | $15.7B | $1.6B | ||
| Q3 24 | $15.9B | $1.5B | ||
| Q2 24 | $15.5B | $1.5B | ||
| Q1 24 | $15.4B | — |
| Q4 25 | — | 1.19× | ||
| Q3 25 | — | 1.17× | ||
| Q2 25 | — | 1.13× | ||
| Q1 25 | — | 1.09× | ||
| Q4 24 | — | 1.64× | ||
| Q3 24 | — | 1.68× | ||
| Q2 24 | — | 1.58× | ||
| Q1 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 | $491.1M | $31.1M |
| 自由现金流经营现金流 - 资本支出 | $472.9M | $28.2M |
| 自由现金流率自由现金流/营收 | 217.2% | 8.2% |
| 资本支出强度资本支出/营收 | 8.3% | 0.8% |
| 现金转化率经营现金流/净利润 | 4.59× | 5.89× |
| 过去12个月自由现金流最近4个季度 | $809.9M | $116.3M |
8季度趋势，按日历期对齐
| Q4 25 | $491.1M | $31.1M | ||
| Q3 25 | $115.2M | $-70.4M | ||
| Q2 25 | $95.5M | $92.8M | ||
| Q1 25 | $140.5M | $72.9M | ||
| Q4 24 | $473.9M | $13.8M | ||
| Q3 24 | $116.5M | — | ||
| Q2 24 | $107.2M | $57.9M | ||
| Q1 24 | $135.4M | — |
| Q4 25 | $472.9M | $28.2M | ||
| Q3 25 | $112.2M | $-73.4M | ||
| Q2 25 | $91.6M | $90.9M | ||
| Q1 25 | $133.1M | $70.5M | ||
| Q4 24 | $459.8M | $12.0M | ||
| Q3 24 | $109.6M | — | ||
| Q2 24 | $104.9M | $48.9M | ||
| Q1 24 | $128.9M | — |
| Q4 25 | 217.2% | 8.2% | ||
| Q3 25 | 51.5% | -21.7% | ||
| Q2 25 | 44.0% | 28.0% | ||
| Q1 25 | 67.1% | 19.3% | ||
| Q4 24 | 220.8% | 3.5% | ||
| Q3 24 | 51.7% | — | ||
| Q2 24 | 50.5% | 16.3% | ||
| Q1 24 | 62.6% | — |
| Q4 25 | 8.3% | 0.8% | ||
| Q3 25 | 1.3% | 0.9% | ||
| Q2 25 | 1.9% | 0.6% | ||
| Q1 25 | 3.7% | 0.6% | ||
| Q4 24 | 6.8% | 0.5% | ||
| Q3 24 | 3.3% | — | ||
| Q2 24 | 1.1% | 3.0% | ||
| Q1 24 | 3.2% | — |
| Q4 25 | 4.59× | 5.89× | ||
| Q3 25 | 1.06× | -7.47× | ||
| Q2 25 | 0.95× | 34.88× | ||
| Q1 25 | 1.45× | 9.02× | ||
| Q4 24 | 4.12× | 2.65× | ||
| Q3 24 | 1.17× | — | ||
| Q2 24 | 1.11× | 10.30× | ||
| Q1 24 | 1.39× | — |
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
IBOC
暂无分部数据
PENG
| Integrated Memory Segment | $171.6M | 50% |
| Advanced Computing Segment | $115.7M | 34% |
| Optimized LED Segment | $55.7M | 16% |
