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MONRO, INC.（MNRO）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MONRO, INC.的1.3倍（$367.6M vs $293.4M），PROSPERITY BANCSHARES INC净利率更高（31.6% vs 3.8%，领先27.8%），过去两年PROSPERITY BANCSHARES INC的营收复合增速更高（19.2% vs -2.7%）
蒙罗公司（Monro, Inc.）是一家汽车服务企业，创始并总部设在美国纽约州罗切斯特。截至2025年，蒙罗共拥有1260家门店，按门店数量与营收计算，是北美仅次于Driven Brands的第二大汽车服务企业。
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。
MNRO vs PB — 直观对比
营收规模更大
PB
是对方的1.3倍
$293.4M
净利率更高
PB
高出27.8%
3.8%
两年增速更快
PB
近两年复合增速
-2.7%
损益表 — Q3 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $293.4M | $367.6M |
| 净利润 | $11.1M | $116.3M |
| 毛利率 | 34.9% | — |
| 营业利润率 | 6.3% | — |
| 净利率 | 3.8% | 31.6% |
| 营收同比 | -4.0% | — |
| 净利润同比 | 143.1% | -10.7% |
| 每股收益（稀释后） | $0.35 | $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MNROPB
| Q1 26 | — | $367.6M | ||
| Q4 25 | $293.4M | $275.0M | ||
| Q3 25 | $288.9M | $273.4M | ||
| Q2 25 | $301.0M | $267.7M | ||
| Q1 25 | $295.0M | $265.4M | ||
| Q4 24 | $305.8M | $267.8M | ||
| Q3 24 | $301.4M | $261.7M | ||
| Q2 24 | $293.2M | $258.8M |
净利润MNROPB
| Q1 26 | — | $116.3M | ||
| Q4 25 | $11.1M | $139.9M | ||
| Q3 25 | $5.7M | $137.6M | ||
| Q2 25 | $-8.1M | $135.2M | ||
| Q1 25 | $-21.3M | $130.2M | ||
| Q4 24 | $4.6M | $130.1M | ||
| Q3 24 | $5.6M | $127.3M | ||
| Q2 24 | $5.9M | $111.6M |
毛利率MNROPB
| Q1 26 | — | — | ||
| Q4 25 | 34.9% | — | ||
| Q3 25 | 35.7% | — | ||
| Q2 25 | 35.5% | — | ||
| Q1 25 | 33.0% | — | ||
| Q4 24 | 34.3% | — | ||
| Q3 24 | 35.3% | — | ||
| Q2 24 | 37.2% | — |
营业利润率MNROPB
| Q1 26 | — | — | ||
| Q4 25 | 6.3% | 65.1% | ||
| Q3 25 | 4.4% | 64.4% | ||
| Q2 25 | -2.0% | 64.3% | ||
| Q1 25 | -8.1% | 62.7% | ||
| Q4 24 | 3.3% | 62.0% | ||
| Q3 24 | 4.4% | 62.1% | ||
| Q2 24 | 4.5% | 55.2% |
净利率MNROPB
| Q1 26 | — | 31.6% | ||
| Q4 25 | 3.8% | 50.9% | ||
| Q3 25 | 2.0% | 50.3% | ||
| Q2 25 | -2.7% | 50.5% | ||
| Q1 25 | -7.2% | 49.1% | ||
| Q4 24 | 1.5% | 48.6% | ||
| Q3 24 | 1.9% | 48.6% | ||
| Q2 24 | 2.0% | 43.1% |
每股收益（稀释后）MNROPB
| Q1 26 | — | $1.16 | ||
| Q4 25 | $0.35 | $1.48 | ||
| Q3 25 | $0.18 | $1.45 | ||
| Q2 25 | $-0.28 | $1.42 | ||
| Q1 25 | $-0.74 | $1.37 | ||
| Q4 24 | $0.15 | $1.36 | ||
| Q3 24 | $0.18 | $1.34 | ||
| Q2 24 | $0.19 | $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 | $4.9M | — |
| 总债务越低越好 | $45.0M | — |
| 股东权益账面价值 | $604.9M | $8.2B |
| 总资产 | $1.6B | $43.6B |
| 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MNROPB
| Q1 26 | — | — | ||
| Q4 25 | $4.9M | — | ||
| Q3 25 | $10.5M | — | ||
| Q2 25 | $7.8M | — | ||
| Q1 25 | $20.8M | — | ||
| Q4 24 | $10.2M | — | ||
| Q3 24 | $20.9M | — | ||
| Q2 24 | $18.7M | — |
总债务MNROPB
| Q1 26 | — | — | ||
| Q4 25 | $45.0M | — | ||
| Q3 25 | $60.0M | — | ||
| Q2 25 | $71.5M | — | ||
| Q1 25 | $61.3M | — | ||
| Q4 24 | $59.3M | — | ||
| Q3 24 | $62.0M | — | ||
| Q2 24 | $112.0M | — |
股东权益MNROPB
| Q1 26 | — | $8.2B | ||
| Q4 25 | $604.9M | $7.6B | ||
| Q3 25 | $601.7M | $7.7B | ||
| Q2 25 | $604.9M | $7.6B | ||
| Q1 25 | $620.8M | $7.5B | ||
| Q4 24 | $648.9M | $7.4B | ||
| Q3 24 | $651.9M | $7.4B | ||
| Q2 24 | $654.4M | $7.3B |
总资产MNROPB
| Q1 26 | — | $43.6B | ||
| Q4 25 | $1.6B | $38.5B | ||
| Q3 25 | $1.6B | $38.3B | ||
| Q2 25 | $1.6B | $38.4B | ||
| Q1 25 | $1.6B | $38.8B | ||
| Q4 24 | $1.7B | $39.6B | ||
| Q3 24 | $1.7B | $40.1B | ||
| Q2 24 | $1.7B | $39.8B |
负债/权益比MNROPB
| Q1 26 | — | — | ||
| Q4 25 | 0.07× | — | ||
| Q3 25 | 0.10× | — | ||
| Q2 25 | 0.12× | — | ||
| Q1 25 | 0.10× | — | ||
| Q4 24 | 0.09× | — | ||
| Q3 24 | 0.10× | — | ||
| Q2 24 | 0.17× | — |
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 | $17.8M | — |
| 自由现金流经营现金流 - 资本支出 | $9.1M | — |
| 自由现金流率自由现金流/营收 | 3.1% | — |
| 资本支出强度资本支出/营收 | 3.0% | — |
| 现金转化率经营现金流/净利润 | 1.60× | — |
| 过去12个月自由现金流最近4个季度 | $49.6M | — |
8季度趋势，按日历期对齐
经营现金流MNROPB
| Q1 26 | — | — | ||
| Q4 25 | $17.8M | $78.3M | ||
| Q3 25 | $32.3M | $194.8M | ||
| Q2 25 | $-1.9M | $98.2M | ||
| Q1 25 | $28.9M | $178.2M | ||
| Q4 24 | $14.8M | $-205.8M | ||
| Q3 24 | $62.6M | $274.6M | ||
| Q2 24 | $25.6M | $216.5M |
自由现金流MNROPB
| Q1 26 | — | — | ||
| Q4 25 | $9.1M | $68.5M | ||
| Q3 25 | $26.6M | $185.7M | ||
| Q2 25 | $-9.3M | $91.8M | ||
| Q1 25 | $23.2M | $171.1M | ||
| Q4 24 | $7.9M | $-210.7M | ||
| Q3 24 | $57.6M | $270.2M | ||
| Q2 24 | $16.8M | $211.8M |
自由现金流率MNROPB
| Q1 26 | — | — | ||
| Q4 25 | 3.1% | 24.9% | ||
| Q3 25 | 9.2% | 67.9% | ||
| Q2 25 | -3.1% | 34.3% | ||
| Q1 25 | 7.9% | 64.5% | ||
| Q4 24 | 2.6% | -78.7% | ||
| Q3 24 | 19.1% | 103.3% | ||
| Q2 24 | 5.7% | 81.8% |
资本支出强度MNROPB
| Q1 26 | — | — | ||
| Q4 25 | 3.0% | 3.6% | ||
| Q3 25 | 2.0% | 3.3% | ||
| Q2 25 | 2.5% | 2.4% | ||
| Q1 25 | 1.9% | 2.7% | ||
| Q4 24 | 2.2% | 1.8% | ||
| Q3 24 | 1.6% | 1.7% | ||
| Q2 24 | 3.0% | 1.8% |
现金转化率MNROPB
| Q1 26 | — | — | ||
| Q4 25 | 1.60× | 0.56× | ||
| Q3 25 | 5.71× | 1.42× | ||
| Q2 25 | — | 0.73× | ||
| Q1 25 | — | 1.37× | ||
| Q4 24 | 3.23× | -1.58× | ||
| Q3 24 | 11.08× | 2.16× | ||
| Q2 24 | 4.37× | 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
MNRO
| Tires | $150.2M | 51% |
| Maintenance | $73.5M | 25% |
| Brakes | $35.1M | 12% |
| Steering | $24.9M | 8% |
| Batteries | $6.2M | 2% |
| Exhaust | $3.2M | 1% |
PB
| Net Interest Income | $321.1M | 87% |
| Noninterest Income | $46.5M | 13% |
