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Mechanics Bancorp（MCHB）与世纪互联（VNET）财务数据对比。点击上方公司名可切换其他公司
Mechanics Bancorp的季度营收约是世纪互联的1.3倍（$458.8M vs $362.7M），Mechanics Bancorp自由现金流更多（$187.1M vs $-193.1M），过去两年Mechanics Bancorp的营收复合增速更高（232.1% vs 17.4%）
Mechanics Bancorp是总部位于美国的银行控股公司，核心子公司为Mechanics Bank，提供零售银行、商业银行及财富管理类服务，覆盖储蓄账户、各类贷款、投资咨询等业务，主要服务加利福尼亚州的个人消费者及中小型企业客户。
VNET Group即世纪互联，是中国领先的第三方中立数据中心服务商，提供机柜托管、云基础设施、混合云部署及网络管理等解决方案，服务覆盖科技、金融、零售等多领域企业客户，为企业数字化运营提供稳定的算力与网络支撑。
MCHB vs VNET — 直观对比
营收规模更大
MCHB
是对方的1.3倍
$362.7M
自由现金流更多
MCHB
多$380.2M
$-193.1M
两年增速更快
MCHB
近两年复合增速
17.4%
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $458.8M | $362.7M |
| 净利润 | — | $-38.7M |
| 毛利率 | — | 20.9% |
| 营业利润率 | — | 0.5% |
| 净利率 | — | -10.7% |
| 营收同比 | — | — |
| 净利润同比 | — | — |
| 每股收益（稀释后） | — | — |
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MCHBVNET
| Q4 25 | $458.8M | — | ||
| Q3 25 | $255.4M | $362.7M | ||
| Q2 25 | $49.0M | — | ||
| Q1 25 | $45.4M | $309.5M | ||
| Q4 24 | $29.6M | — | ||
| Q3 24 | $147.9M | $302.2M | ||
| Q2 24 | $42.9M | $274.4M | ||
| Q1 24 | $41.6M | $262.9M |
净利润MCHBVNET
| Q4 25 | — | — | ||
| Q3 25 | $55.2M | $-38.7M | ||
| Q2 25 | $-4.4M | — | ||
| Q1 25 | $-4.5M | $-2.4M | ||
| Q4 24 | $-123.3M | — | ||
| Q3 24 | $39.9M | $-2.1M | ||
| Q2 24 | $-6.2M | $-1.1M | ||
| Q1 24 | $-7.5M | $-22.0M |
毛利率MCHBVNET
| Q4 25 | — | — | ||
| Q3 25 | — | 20.9% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 25.2% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 23.2% | ||
| Q2 24 | — | 21.3% | ||
| Q1 24 | — | 21.6% |
营业利润率MCHBVNET
| Q4 25 | — | — | ||
| Q3 25 | 17.7% | 0.5% | ||
| Q2 25 | -9.8% | — | ||
| Q1 25 | -10.5% | 0.1% | ||
| Q4 24 | -312.2% | — | ||
| Q3 24 | 37.5% | 24.5% | ||
| Q2 24 | -18.6% | 0.2% | ||
| Q1 24 | -25.4% | 0.2% |
净利率MCHBVNET
| Q4 25 | — | — | ||
| Q3 25 | 21.6% | -10.7% | ||
| Q2 25 | -9.0% | — | ||
| Q1 25 | -9.8% | -0.8% | ||
| Q4 24 | -416.4% | — | ||
| Q3 24 | 27.0% | -0.7% | ||
| Q2 24 | -14.5% | -0.4% | ||
| Q1 24 | -18.0% | -8.4% |
每股收益（稀释后）MCHBVNET
| Q4 25 | — | — | ||
| Q3 25 | $0.26 | — | ||
| Q2 25 | $-0.23 | — | ||
| Q1 25 | $-0.24 | — | ||
| Q4 24 | $-6.53 | — | ||
| Q3 24 | $0.20 | — | ||
| Q2 24 | $-0.33 | — | ||
| Q1 24 | $-0.40 | — |
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 | $1.0B | $492.1M |
| 总债务越低越好 | $192.0M | — |
| 股东权益账面价值 | $2.9B | $890.8M |
| 总资产 | $22.4B | $6.1B |
| 负债/权益比越低杠杆越低 | 0.07× | — |
8季度趋势，按日历期对齐
现金及短期投资MCHBVNET
| Q4 25 | $1.0B | — | ||
| Q3 25 | $1.4B | $492.1M | ||
| Q2 25 | $201.1M | — | ||
| Q1 25 | $252.2M | $544.3M | ||
| Q4 24 | $999.7M | — | ||
| Q3 24 | $205.9M | $219.5M | ||
| Q2 24 | $218.7M | $247.2M | ||
| Q1 24 | $320.3M | $246.9M |
总债务MCHBVNET
| Q4 25 | $192.0M | — | ||
| Q3 25 | $190.1M | — | ||
| Q2 25 | $225.3M | — | ||
| Q1 25 | $225.2M | — | ||
| Q4 24 | $0 | — | ||
| Q3 24 | $0 | $1.2B | ||
| Q2 24 | $224.9M | — | ||
| Q1 24 | $224.9M | — |
股东权益MCHBVNET
| Q4 25 | $2.9B | — | ||
| Q3 25 | $2.8B | $890.8M | ||
| Q2 25 | $2.4B | — | ||
| Q1 25 | $400.8M | $927.8M | ||
| Q4 24 | $2.3B | — | ||
| Q3 24 | $2.3B | $902.9M | ||
| Q2 24 | $2.2B | $900.6M | ||
| Q1 24 | $527.3M | $895.1M |
总资产MCHBVNET
| Q4 25 | $22.4B | — | ||
| Q3 25 | $22.7B | $6.1B | ||
| Q2 25 | $7.6B | — | ||
| Q1 25 | $7.8B | $5.4B | ||
| Q4 24 | $16.5B | — | ||
| Q3 24 | $9.2B | $4.3B | ||
| Q2 24 | $9.3B | $4.0B | ||
| Q1 24 | $9.5B | $3.9B |
负债/权益比MCHBVNET
| Q4 25 | 0.07× | — | ||
| Q3 25 | 0.07× | — | ||
| Q2 25 | 0.09× | — | ||
| Q1 25 | 0.56× | — | ||
| Q4 24 | 0.00× | — | ||
| Q3 24 | 0.00× | 1.28× | ||
| Q2 24 | 0.10× | — | ||
| Q1 24 | 0.43× | — |
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 | $193.6M | $113.8M |
| 自由现金流经营现金流 - 资本支出 | $187.1M | $-193.1M |
| 自由现金流率自由现金流/营收 | 40.8% | -53.2% |
| 资本支出强度资本支出/营收 | 1.4% | 84.6% |
| 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 | $263.7M | $-589.7M |
8季度趋势，按日历期对齐
经营现金流MCHBVNET
| Q4 25 | $193.6M | — | ||
| Q3 25 | $112.0M | $113.8M | ||
| Q2 25 | $-9.8M | — | ||
| Q1 25 | $-22.5M | $27.0M | ||
| Q4 24 | $292.3M | — | ||
| Q3 24 | $247.0M | $108.3M | ||
| Q2 24 | $-21.8M | $55.8M | ||
| Q1 24 | $-7.8M | $37.1M |
自由现金流MCHBVNET
| Q4 25 | $187.1M | — | ||
| Q3 25 | $109.1M | $-193.1M | ||
| Q2 25 | $-9.9M | — | ||
| Q1 25 | $-22.6M | $-220.0M | ||
| Q4 24 | $285.9M | — | ||
| Q3 24 | $244.5M | $-95.0M | ||
| Q2 24 | $-22.0M | $-81.6M | ||
| Q1 24 | $-13.9M | $-102.2M |
自由现金流率MCHBVNET
| Q4 25 | 40.8% | — | ||
| Q3 25 | 42.7% | -53.2% | ||
| Q2 25 | -20.2% | — | ||
| Q1 25 | -49.7% | -71.1% | ||
| Q4 24 | 965.3% | — | ||
| Q3 24 | 165.4% | -31.4% | ||
| Q2 24 | -51.3% | -29.8% | ||
| Q1 24 | -33.4% | -38.9% |
资本支出强度MCHBVNET
| Q4 25 | 1.4% | — | ||
| Q3 25 | 1.1% | 84.6% | ||
| Q2 25 | 0.2% | — | ||
| Q1 25 | 0.1% | 79.8% | ||
| Q4 24 | 21.5% | — | ||
| Q3 24 | 1.7% | 67.3% | ||
| Q2 24 | 0.7% | 50.1% | ||
| Q1 24 | 14.6% | 53.0% |
现金转化率MCHBVNET
| Q4 25 | — | — | ||
| Q3 25 | 2.03× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 6.18× | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
