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必能宝（PBI）与TEXAS CAPITAL BANCSHARES INC（TCBI）财务数据对比。点击上方公司名可切换其他公司
必能宝的季度营收约是TEXAS CAPITAL BANCSHARES INC的1.5倍（$477.6M vs $324.0M），TEXAS CAPITAL BANCSHARES INC净利率更高（22.8% vs 5.7%，领先17.1%），TEXAS CAPITAL BANCSHARES INC同比增速更快（15.5% vs -7.5%），过去两年TEXAS CAPITAL BANCSHARES INC的营收复合增速更高（10.2% vs -4.3%）
必能宝（Pitney Bowes）是全球知名科技与物流服务商，提供电商配送、邮寄处理、订单履约及客户信息管理解决方案，服务零售、金融、医疗、政府等领域的各类大中小企业客户，助力企业优化物流配送与客户运营效率。
德克萨斯资本银行总部位于美国得克萨斯州达拉斯，是得克萨斯资本 Bancshares 旗下的银行主体，在得州所有主要城市均设有线下网点，同时运营纯线上银行品牌Bask Bank，为客户提供多元便捷的金融服务。
PBI vs TCBI — 直观对比
营收规模更大
PBI
是对方的1.5倍
$324.0M
营收增速更快
TCBI
高出23.0%
-7.5%
净利率更高
TCBI
高出17.1%
5.7%
两年增速更快
TCBI
近两年复合增速
-4.3%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $477.6M | $324.0M |
| 净利润 | $27.3M | $73.8M |
| 毛利率 | — | — |
| 营业利润率 | 8.0% | — |
| 净利率 | 5.7% | 22.8% |
| 营收同比 | -7.5% | 15.5% |
| 净利润同比 | 173.1% | 56.8% |
| 每股收益（稀释后） | $0.18 | $1.56 |
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PBITCBI
| Q1 26 | — | $324.0M | ||
| Q4 25 | $477.6M | $327.5M | ||
| Q3 25 | $459.7M | $340.4M | ||
| Q2 25 | $461.9M | $307.5M | ||
| Q1 25 | $493.4M | $280.5M | ||
| Q4 24 | $516.1M | $229.6M | ||
| Q3 24 | $499.5M | $125.3M | ||
| Q2 24 | $489.7M | $267.0M |
净利润PBITCBI
| Q1 26 | — | $73.8M | ||
| Q4 25 | $27.3M | $100.7M | ||
| Q3 25 | $52.0M | $105.2M | ||
| Q2 25 | $30.0M | $77.3M | ||
| Q1 25 | $35.4M | $47.0M | ||
| Q4 24 | $-37.4M | $71.0M | ||
| Q3 24 | $-138.5M | $-61.3M | ||
| Q2 24 | $-24.9M | $41.7M |
毛利率PBITCBI
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 53.8% | — | ||
| Q3 24 | 52.4% | — | ||
| Q2 24 | 51.1% | — |
营业利润率PBITCBI
| Q1 26 | — | — | ||
| Q4 25 | 8.0% | 40.4% | ||
| Q3 25 | 14.8% | 40.5% | ||
| Q2 25 | 8.5% | 33.2% | ||
| Q1 25 | 9.5% | 21.6% | ||
| Q4 24 | -9.3% | 40.7% | ||
| Q3 24 | -8.8% | -63.8% | ||
| Q2 24 | -1.6% | 21.9% |
净利率PBITCBI
| Q1 26 | — | 22.8% | ||
| Q4 25 | 5.7% | 30.7% | ||
| Q3 25 | 11.3% | 30.9% | ||
| Q2 25 | 6.5% | 25.2% | ||
| Q1 25 | 7.2% | 16.8% | ||
| Q4 24 | -7.2% | 30.9% | ||
| Q3 24 | -27.7% | -48.9% | ||
| Q2 24 | -5.1% | 15.6% |
每股收益（稀释后）PBITCBI
| Q1 26 | — | $1.56 | ||
| Q4 25 | $0.18 | $2.11 | ||
| Q3 25 | $0.30 | $2.18 | ||
| Q2 25 | $0.17 | $1.58 | ||
| Q1 25 | $0.19 | $0.92 | ||
| Q4 24 | $-0.21 | $1.43 | ||
| Q3 24 | $-0.75 | $-1.41 | ||
| Q2 24 | $-0.14 | $0.80 |
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 | $297.1M | — |
| 总债务越低越好 | $2.0B | $878.3M |
| 股东权益账面价值 | $-802.4M | $3.6B |
| 总资产 | $3.2B | $33.5B |
| 负债/权益比越低杠杆越低 | — | 0.24× |
8季度趋势，按日历期对齐
现金及短期投资PBITCBI
| Q1 26 | — | — | ||
| Q4 25 | $297.1M | — | ||
| Q3 25 | $336.0M | — | ||
| Q2 25 | $300.8M | — | ||
| Q1 25 | $340.0M | — | ||
| Q4 24 | $486.1M | — | ||
| Q3 24 | $575.5M | — | ||
| Q2 24 | $612.0M | — |
总债务PBITCBI
| Q1 26 | — | $878.3M | ||
| Q4 25 | $2.0B | $620.6M | ||
| Q3 25 | $2.1B | $620.4M | ||
| Q2 25 | $1.9B | $620.3M | ||
| Q1 25 | $1.9B | $660.5M | ||
| Q4 24 | $1.9B | $660.3M | ||
| Q3 24 | $2.1B | $660.2M | ||
| Q2 24 | $2.1B | $660.0M |
股东权益PBITCBI
| Q1 26 | — | $3.6B | ||
| Q4 25 | $-802.4M | $3.6B | ||
| Q3 25 | $-661.5M | $3.6B | ||
| Q2 25 | $-536.8M | $3.5B | ||
| Q1 25 | $-535.9M | $3.4B | ||
| Q4 24 | $-578.4M | $3.4B | ||
| Q3 24 | $-518.9M | $3.4B | ||
| Q2 24 | $-427.9M | $3.2B |
总资产PBITCBI
| Q1 26 | — | $33.5B | ||
| Q4 25 | $3.2B | $31.5B | ||
| Q3 25 | $3.3B | $32.5B | ||
| Q2 25 | $3.2B | $31.9B | ||
| Q1 25 | $3.3B | $31.4B | ||
| Q4 24 | $3.4B | $30.7B | ||
| Q3 24 | $3.6B | $31.6B | ||
| Q2 24 | $4.1B | $29.9B |
负债/权益比PBITCBI
| Q1 26 | — | 0.24× | ||
| Q4 25 | — | 0.17× | ||
| Q3 25 | — | 0.17× | ||
| Q2 25 | — | 0.18× | ||
| Q1 25 | — | 0.19× | ||
| Q4 24 | — | 0.20× | ||
| Q3 24 | — | 0.20× | ||
| Q2 24 | — | 0.21× |
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 | $221.7M | — |
| 自由现金流经营现金流 - 资本支出 | $201.4M | — |
| 自由现金流率自由现金流/营收 | 42.2% | — |
| 资本支出强度资本支出/营收 | 4.2% | — |
| 现金转化率经营现金流/净利润 | 8.11× | — |
| 过去12个月自由现金流最近4个季度 | $317.0M | — |
8季度趋势，按日历期对齐
经营现金流PBITCBI
| Q1 26 | — | — | ||
| Q4 25 | $221.7M | $360.2M | ||
| Q3 25 | $66.8M | $166.3M | ||
| Q2 25 | $111.4M | $63.0M | ||
| Q1 25 | $-16.7M | $368.0K | ||
| Q4 24 | $134.5M | $480.1M | ||
| Q3 24 | $14.7M | $332.8M | ||
| Q2 24 | $92.6M | $33.3M |
自由现金流PBITCBI
| Q1 26 | — | — | ||
| Q4 25 | $201.4M | $347.6M | ||
| Q3 25 | $51.1M | $161.3M | ||
| Q2 25 | $98.0M | $57.5M | ||
| Q1 25 | $-33.6M | $-2.0M | ||
| Q4 24 | $112.3M | $415.2M | ||
| Q3 24 | $-4.7M | $317.6M | ||
| Q2 24 | $76.1M | $11.1M |
自由现金流率PBITCBI
| Q1 26 | — | — | ||
| Q4 25 | 42.2% | 106.1% | ||
| Q3 25 | 11.1% | 47.4% | ||
| Q2 25 | 21.2% | 18.7% | ||
| Q1 25 | -6.8% | -0.7% | ||
| Q4 24 | 21.8% | 180.9% | ||
| Q3 24 | -0.9% | 253.4% | ||
| Q2 24 | 15.5% | 4.1% |
资本支出强度PBITCBI
| Q1 26 | — | — | ||
| Q4 25 | 4.2% | 3.8% | ||
| Q3 25 | 3.4% | 1.5% | ||
| Q2 25 | 2.9% | 1.8% | ||
| Q1 25 | 3.4% | 0.9% | ||
| Q4 24 | 4.3% | 28.2% | ||
| Q3 24 | 3.9% | 12.1% | ||
| Q2 24 | 3.4% | 8.3% |
现金转化率PBITCBI
| Q1 26 | — | — | ||
| Q4 25 | 8.11× | 3.58× | ||
| Q3 25 | 1.29× | 1.58× | ||
| Q2 25 | 3.72× | 0.81× | ||
| Q1 25 | -0.47× | 0.01× | ||
| Q4 24 | — | 6.76× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 0.80× |
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
PBI
| Sales And Services | $218.4M | 46% |
| Presort Services | $159.7M | 33% |
| Financing And Other | $79.0M | 17% |
| Other | $20.5M | 4% |
TCBI
暂无分部数据
