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INTERNATIONAL BANCSHARES CORP（IBOC）与UNITIL CORP（UTL）财务数据对比。点击上方公司名可切换其他公司
INTERNATIONAL BANCSHARES CORP的季度营收约是UNITIL CORP的1.3倍（$217.7M vs $161.5M），INTERNATIONAL BANCSHARES CORP净利率更高（62.3% vs 11.8%，领先50.6%），UNITIL CORP同比增速更快（26.7% vs 4.5%），INTERNATIONAL BANCSHARES CORP自由现金流更多（$472.9M vs $-36.3M），过去两年INTERNATIONAL BANCSHARES CORP的营收复合增速更高（2.8% vs -4.9%）
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。
Unitil是一家跨州电力与天然气公用事业公司，业务覆盖美国新罕布什尔州、马萨诸塞州与缅因州。公司最早前身是1849年在缅因州成立的波特兰煤气灯公司，现企业主体于1984年设立，总部位于新罕布什尔州。目前公司总市值约6.8651亿美元，为约10.24万电力客户、超7.59万天然气客户提供服务。
IBOC vs UTL — 直观对比
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $217.7M | $161.5M |
| 净利润 | $106.9M | $19.0M |
| 毛利率 | — | — |
| 营业利润率 | 62.8% | 21.5% |
| 净利率 | 62.3% | 11.8% |
| 营收同比 | 4.5% | 26.7% |
| 净利润同比 | -7.1% | 21.8% |
| 每股收益（稀释后） | $1.71 | $1.05 |
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 | $161.5M | ||
| Q3 25 | $218.1M | $101.1M | ||
| Q2 25 | $208.2M | $102.6M | ||
| Q1 25 | $198.2M | $170.8M | ||
| Q4 24 | $208.3M | $127.5M | ||
| Q3 24 | $211.8M | $92.9M | ||
| Q2 24 | $207.8M | $95.7M | ||
| Q1 24 | $205.8M | $178.7M |
| Q4 25 | $106.9M | $19.0M | ||
| Q3 25 | $108.4M | $-300.0K | ||
| Q2 25 | $100.1M | $4.0M | ||
| Q1 25 | $96.9M | $27.5M | ||
| Q4 24 | $115.1M | $15.6M | ||
| Q3 24 | $99.8M | $0 | ||
| Q2 24 | $97.0M | $4.3M | ||
| Q1 24 | $97.3M | $27.2M |
| Q4 25 | 62.8% | 21.5% | ||
| Q3 25 | 62.6% | 6.9% | ||
| Q2 25 | 60.5% | 13.0% | ||
| Q1 25 | 61.1% | 27.0% | ||
| Q4 24 | 64.2% | 22.1% | ||
| Q3 24 | 60.0% | 6.2% | ||
| Q2 24 | 60.1% | 13.0% | ||
| Q1 24 | 59.9% | 24.7% |
| Q4 25 | 62.3% | 11.8% | ||
| Q3 25 | 49.7% | -0.3% | ||
| Q2 25 | 48.1% | 3.9% | ||
| Q1 25 | 48.9% | 16.1% | ||
| Q4 24 | 71.5% | 12.2% | ||
| Q3 24 | 47.1% | — | ||
| Q2 24 | 46.7% | 4.5% | ||
| Q1 24 | 47.3% | 15.2% |
| Q4 25 | $1.71 | $1.05 | ||
| Q3 25 | $1.74 | $-0.02 | ||
| Q2 25 | $1.61 | $0.25 | ||
| Q1 25 | $1.56 | $1.69 | ||
| Q4 24 | $1.85 | $0.97 | ||
| Q3 24 | $1.60 | $0.00 | ||
| Q2 24 | $1.56 | $0.27 | ||
| Q1 24 | $1.56 | $1.69 |
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 | $15.6M |
| 总债务越低越好 | — | $670.5M |
| 股东权益账面价值 | $3.3B | $609.6M |
| 总资产 | $16.6B | $2.1B |
| 负债/权益比越低杠杆越低 | — | 1.10× |
8季度趋势，按日历期对齐
| Q4 25 | $5.5B | $15.6M | ||
| Q3 25 | $5.6B | $14.6M | ||
| Q2 25 | $5.8B | $8.5M | ||
| Q1 25 | $5.6B | $10.2M | ||
| Q4 24 | $5.4B | $6.3M | ||
| Q3 24 | $5.8B | $6.3M | ||
| Q2 24 | $5.7B | $2.8M | ||
| Q1 24 | $5.7B | $6.3M |
| Q4 25 | — | $670.5M | ||
| Q3 25 | — | $670.5M | ||
| Q2 25 | — | $640.7M | ||
| Q1 25 | — | $642.1M | ||
| Q4 24 | — | $643.3M | ||
| Q3 24 | — | $643.3M | ||
| Q2 24 | — | $511.3M | ||
| Q1 24 | — | $512.8M |
| Q4 25 | $3.3B | $609.6M | ||
| Q3 25 | $3.1B | $597.2M | ||
| Q2 25 | $3.0B | $532.8M | ||
| Q1 25 | $2.9B | $534.1M | ||
| Q4 24 | $2.8B | $512.5M | ||
| Q3 24 | $2.7B | $502.4M | ||
| Q2 24 | $2.6B | $508.8M | ||
| Q1 24 | $2.5B | $510.8M |
| Q4 25 | $16.6B | $2.1B | ||
| Q3 25 | $16.6B | $1.9B | ||
| Q2 25 | $16.5B | $1.9B | ||
| Q1 25 | $16.3B | $1.9B | ||
| Q4 24 | $15.7B | $1.8B | ||
| Q3 24 | $15.9B | $1.7B | ||
| Q2 24 | $15.5B | $1.7B | ||
| Q1 24 | $15.4B | $1.7B |
| Q4 25 | — | 1.10× | ||
| Q3 25 | — | 1.12× | ||
| Q2 25 | — | 1.20× | ||
| Q1 25 | — | 1.20× | ||
| Q4 24 | — | 1.26× | ||
| Q3 24 | — | 1.28× | ||
| Q2 24 | — | 1.00× | ||
| Q1 24 | — | 1.00× |
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 | $21.4M |
| 自由现金流经营现金流 - 资本支出 | $472.9M | $-36.3M |
| 自由现金流率自由现金流/营收 | 217.2% | -22.5% |
| 资本支出强度资本支出/营收 | 8.3% | 35.7% |
| 现金转化率经营现金流/净利润 | 4.59× | 1.13× |
| 过去12个月自由现金流最近4个季度 | $809.9M | $-53.8M |
8季度趋势，按日历期对齐
| Q4 25 | $491.1M | $21.4M | ||
| Q3 25 | $115.2M | $15.6M | ||
| Q2 25 | $95.5M | $42.2M | ||
| Q1 25 | $140.5M | $52.1M | ||
| Q4 24 | $473.9M | $23.3M | ||
| Q3 24 | $116.5M | $26.1M | ||
| Q2 24 | $107.2M | $49.9M | ||
| Q1 24 | $135.4M | $26.6M |
| Q4 25 | $472.9M | $-36.3M | ||
| Q3 25 | $112.2M | $-39.0M | ||
| Q2 25 | $91.6M | $2.0M | ||
| Q1 25 | $133.1M | $19.5M | ||
| Q4 24 | $459.8M | $-32.3M | ||
| Q3 24 | $109.6M | $-31.3M | ||
| Q2 24 | $104.9M | $13.2M | ||
| Q1 24 | $128.9M | $6.4M |
| Q4 25 | 217.2% | -22.5% | ||
| Q3 25 | 51.5% | -38.6% | ||
| Q2 25 | 44.0% | 1.9% | ||
| Q1 25 | 67.1% | 11.4% | ||
| Q4 24 | 220.8% | -25.3% | ||
| Q3 24 | 51.7% | -33.7% | ||
| Q2 24 | 50.5% | 13.8% | ||
| Q1 24 | 62.6% | 3.6% |
| Q4 25 | 8.3% | 35.7% | ||
| Q3 25 | 1.3% | 54.0% | ||
| Q2 25 | 1.9% | 39.2% | ||
| Q1 25 | 3.7% | 19.1% | ||
| Q4 24 | 6.8% | 43.6% | ||
| Q3 24 | 3.3% | 61.8% | ||
| Q2 24 | 1.1% | 38.3% | ||
| Q1 24 | 3.2% | 11.3% |
| Q4 25 | 4.59× | 1.13× | ||
| Q3 25 | 1.06× | — | ||
| Q2 25 | 0.95× | 10.55× | ||
| Q1 25 | 1.45× | 1.89× | ||
| Q4 24 | 4.12× | 1.49× | ||
| Q3 24 | 1.17× | — | ||
| Q2 24 | 1.11× | 11.60× | ||
| Q1 24 | 1.39× | 0.98× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
