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PennyMac Financial Services, Inc.（PFSI）与SouthState Bank Corp（SSB）财务数据对比。点击上方公司名可切换其他公司
SouthState Bank Corp的季度营收约是PennyMac Financial Services, Inc.的1.2倍（$661.7M vs $538.0M），PennyMac Financial Services, Inc.净利率更高（1752.5% vs 34.1%，领先1718.3%），过去两年SouthState Bank Corp的营收复合增速更高（37.4% vs 32.7%）
PennyMac Financial Services是总部位于美国加利福尼亚州西湖村的住宅抵押贷款企业，核心业务涵盖美国抵押贷款的发放、贷后服务，以及抵押贷款市场相关投资管理。公司下设两家子公司，其中PNMAC资本管理有限公司负责运营旗下的抵押贷款不动产投资信托（REIT）PennyMac Mortgage Investment Trust。
SouthState Bank总部位于美国佛罗里达州温特黑文，是银行控股公司SouthState Corporation旗下的银行子公司。截至2025年5月26日，该行已在南卡罗来纳、北卡罗来纳、佐治亚、佛罗里达、阿拉巴马、弗吉尼亚、科罗拉多、得克萨斯八州设有371家营业网点，为当地客户提供各类银行金融服务。
PFSI vs SSB — 直观对比
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $538.0M | $661.7M |
| 净利润 | $106.8M | $225.8M |
| 毛利率 | — | — |
| 营业利润率 | 25.0% | 15.1% |
| 净利率 | 1752.5% | 34.1% |
| 营收同比 | 14.4% | — |
| 净利润同比 | 2.2% | 153.5% |
| 每股收益（稀释后） | $1.97 | $2.28 |
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
| Q1 26 | — | $661.7M | ||
| Q4 25 | $538.0M | $581.1M | ||
| Q3 25 | $632.9M | $599.7M | ||
| Q2 25 | $444.7M | $577.9M | ||
| Q1 25 | $430.9M | $544.5M | ||
| Q4 24 | $470.1M | $369.8M | ||
| Q3 24 | $411.8M | $351.5M | ||
| Q2 24 | $406.1M | $350.3M |
| Q1 26 | — | $225.8M | ||
| Q4 25 | $106.8M | $247.7M | ||
| Q3 25 | $181.5M | $246.6M | ||
| Q2 25 | $136.5M | $215.2M | ||
| Q1 25 | $76.3M | $89.1M | ||
| Q4 24 | $104.5M | $144.2M | ||
| Q3 24 | $69.4M | $143.2M | ||
| Q2 24 | $98.3M | $132.4M |
| Q1 26 | — | 15.1% | ||
| Q4 25 | 25.0% | 54.3% | ||
| Q3 25 | 37.3% | 53.6% | ||
| Q2 25 | 17.2% | 48.8% | ||
| Q1 25 | 24.2% | 22.3% | ||
| Q4 24 | 27.5% | 50.7% | ||
| Q3 24 | 22.8% | 53.1% | ||
| Q2 24 | 33.0% | 49.3% |
| Q1 26 | — | 34.1% | ||
| Q4 25 | 1752.5% | 42.6% | ||
| Q3 25 | 28.7% | 41.1% | ||
| Q2 25 | 30.7% | 37.2% | ||
| Q1 25 | 17.7% | 16.4% | ||
| Q4 24 | 2559.8% | 39.0% | ||
| Q3 24 | 16.8% | 40.7% | ||
| Q2 24 | 24.2% | 37.8% |
| Q1 26 | — | $2.28 | ||
| Q4 25 | $1.97 | $2.47 | ||
| Q3 25 | $3.37 | $2.42 | ||
| Q2 25 | $2.54 | $2.11 | ||
| Q1 25 | $1.42 | $0.87 | ||
| Q4 24 | $1.95 | $1.88 | ||
| Q3 24 | $1.30 | $1.86 | ||
| Q2 24 | $1.85 | $1.73 |
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 | $410.0M | $2.9B |
| 总债务越低越好 | $6.2B | — |
| 股东权益账面价值 | $4.3B | $9.0B |
| 总资产 | $29.4B | $68.0B |
| 负债/权益比越低杠杆越低 | 1.45× | — |
8季度趋势，按日历期对齐
| Q1 26 | — | $2.9B | ||
| Q4 25 | $410.0M | — | ||
| Q3 25 | $62.2M | — | ||
| Q2 25 | $462.3M | — | ||
| Q1 25 | $443.4M | — | ||
| Q4 24 | $420.6M | — | ||
| Q3 24 | $667.9M | — | ||
| Q2 24 | $188.8M | — |
| Q1 26 | — | — | ||
| Q4 25 | $6.2B | — | ||
| Q3 25 | $6.2B | — | ||
| Q2 25 | $5.6B | — | ||
| Q1 25 | $5.8B | — | ||
| Q4 24 | $5.3B | — | ||
| Q3 24 | $4.9B | — | ||
| Q2 24 | $4.9B | — |
| Q1 26 | — | $9.0B | ||
| Q4 25 | $4.3B | $9.1B | ||
| Q3 25 | $4.2B | $9.0B | ||
| Q2 25 | $4.0B | $8.8B | ||
| Q1 25 | $3.9B | $8.6B | ||
| Q4 24 | $3.8B | $5.9B | ||
| Q3 24 | $3.7B | $5.9B | ||
| Q2 24 | $3.7B | $5.7B |
| Q1 26 | — | $68.0B | ||
| Q4 25 | $29.4B | $67.2B | ||
| Q3 25 | $25.4B | $66.0B | ||
| Q2 25 | $24.2B | $65.9B | ||
| Q1 25 | $23.9B | $65.1B | ||
| Q4 24 | $26.1B | $46.4B | ||
| Q3 24 | $22.9B | $46.1B | ||
| Q2 24 | $21.6B | $45.5B |
| Q1 26 | — | — | ||
| Q4 25 | 1.45× | — | ||
| Q3 25 | 1.48× | — | ||
| Q2 25 | 1.38× | — | ||
| Q1 25 | 1.48× | — | ||
| Q4 24 | 1.37× | — | ||
| Q3 24 | 1.32× | — | ||
| Q2 24 | 1.35× | — |
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 | $-1.7B | — |
| 自由现金流经营现金流 - 资本支出 | $-1.7B | — |
| 自由现金流率自由现金流/营收 | -309.3% | — |
| 资本支出强度资本支出/营收 | 2.2% | — |
| 现金转化率经营现金流/净利润 | -15.46× | — |
| 过去12个月自由现金流最近4个季度 | $-1.4B | — |
8季度趋势，按日历期对齐
| Q1 26 | — | — | ||
| Q4 25 | $-1.7B | $232.1M | ||
| Q3 25 | $-697.4M | $122.4M | ||
| Q2 25 | $-131.3M | $72.6M | ||
| Q1 25 | $1.1B | $-126.3M | ||
| Q4 24 | $-4.5B | $354.3M | ||
| Q3 24 | $-393.7M | $-246.8M | ||
| Q2 24 | $-1.1B | $126.8M |
| Q1 26 | — | — | ||
| Q4 25 | $-1.7B | $215.5M | ||
| Q3 25 | $-699.4M | $101.7M | ||
| Q2 25 | $-132.6M | $52.5M | ||
| Q1 25 | $1.1B | $-139.1M | ||
| Q4 24 | $-4.5B | $340.9M | ||
| Q3 24 | $-393.9M | $-254.2M | ||
| Q2 24 | $-1.1B | $117.3M |
| Q1 26 | — | — | ||
| Q4 25 | -309.3% | 37.1% | ||
| Q3 25 | -110.5% | 17.0% | ||
| Q2 25 | -29.8% | 9.1% | ||
| Q1 25 | 247.3% | -25.5% | ||
| Q4 24 | -964.7% | 92.2% | ||
| Q3 24 | -95.6% | -72.3% | ||
| Q2 24 | -269.2% | 33.5% |
| Q1 26 | — | — | ||
| Q4 25 | 2.2% | 2.9% | ||
| Q3 25 | 0.3% | 3.5% | ||
| Q2 25 | 0.3% | 3.5% | ||
| Q1 25 | 0.1% | 2.4% | ||
| Q4 24 | 0.4% | 3.6% | ||
| Q3 24 | 0.0% | 2.1% | ||
| Q2 24 | 0.1% | 2.7% |
| Q1 26 | — | — | ||
| Q4 25 | -15.46× | 0.94× | ||
| Q3 25 | -3.84× | 0.50× | ||
| Q2 25 | -0.96× | 0.34× | ||
| Q1 25 | 13.97× | -1.42× | ||
| Q4 24 | -43.39× | 2.46× | ||
| Q3 24 | -5.68× | -1.72× | ||
| Q2 24 | -11.12× | 0.96× |
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
PFSI
暂无分部数据
SSB
| Net Interest Income | $561.6M | 85% |
| Noninterest Income | $100.1M | 15% |
