vs
Stellar Bancorp, Inc.（STEL）与null（SWIM）财务数据对比。点击上方公司名可切换其他公司
Stellar Bancorp, Inc.的季度营收约是null的1.1倍（$108.9M vs $100.0M），Stellar Bancorp, Inc.净利率更高（24.0% vs -7.0%，领先31.0%），null同比增速更快（14.5% vs 0.8%），Stellar Bancorp, Inc.自由现金流更多（$92.6M vs $14.1M），过去两年Stellar Bancorp, Inc.的营收复合增速更高（0.2% vs -4.9%）
Stellar Bancorp, Inc.是总部位于美国的金融控股公司，通过旗下全资银行子公司开展运营，提供全品类零售及商业银行服务，覆盖存款产品、个人及商业贷款、抵押贷款、财富管理解决方案，服务客群包括个人消费者、小微企业及区域企业客户。
该企业是一家源自美国的跨国律师事务所，1934年创立于加利福尼亚州洛杉矶，在诉讼业务、公司法务以及监管合规法律领域拥有深厚的行业积累与知名度，是全球颇具影响力的综合性律所之一。
STEL vs SWIM — 直观对比
营收规模更大
STEL
是对方的1.1倍
$100.0M
营收增速更快
SWIM
高出13.7%
0.8%
净利率更高
STEL
高出31.0%
-7.0%
自由现金流更多
STEL
多$78.5M
$14.1M
两年增速更快
STEL
近两年复合增速
-4.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $108.9M | $100.0M |
| 净利润 | $26.1M | $-7.0M |
| 毛利率 | — | 28.0% |
| 营业利润率 | 29.0% | -10.7% |
| 净利率 | 24.0% | -7.0% |
| 营收同比 | 0.8% | 14.5% |
| 净利润同比 | 3.7% | 76.0% |
| 每股收益（稀释后） | $0.52 | $-0.06 |
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STELSWIM
| Q4 25 | $108.9M | $100.0M | ||
| Q3 25 | $105.6M | $161.9M | ||
| Q2 25 | $104.1M | $172.6M | ||
| Q1 25 | $104.8M | $111.4M | ||
| Q4 24 | $108.0M | $87.3M | ||
| Q3 24 | $107.8M | $150.5M | ||
| Q2 24 | $106.8M | $160.1M | ||
| Q1 24 | $108.4M | $110.6M |
净利润STELSWIM
| Q4 25 | $26.1M | $-7.0M | ||
| Q3 25 | $25.7M | $8.1M | ||
| Q2 25 | $26.4M | $16.0M | ||
| Q1 25 | $24.7M | $-6.0M | ||
| Q4 24 | $25.2M | $-29.2M | ||
| Q3 24 | $33.9M | $5.9M | ||
| Q2 24 | $29.8M | $13.3M | ||
| Q1 24 | $26.1M | $-7.9M |
毛利率STELSWIM
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 35.4% | ||
| Q2 25 | — | 37.1% | ||
| Q1 25 | — | 29.5% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 32.4% | ||
| Q2 24 | — | 33.1% | ||
| Q1 24 | — | 27.7% |
营业利润率STELSWIM
| Q4 25 | 29.0% | -10.7% | ||
| Q3 25 | 30.5% | 13.3% | ||
| Q2 25 | 31.7% | 14.3% | ||
| Q1 25 | 29.6% | -4.4% | ||
| Q4 24 | 29.4% | -14.9% | ||
| Q3 24 | 39.6% | 8.9% | ||
| Q2 24 | 35.1% | 12.5% | ||
| Q1 24 | 30.4% | -1.9% |
净利率STELSWIM
| Q4 25 | 24.0% | -7.0% | ||
| Q3 25 | 24.3% | 5.0% | ||
| Q2 25 | 25.3% | 9.3% | ||
| Q1 25 | 23.6% | -5.4% | ||
| Q4 24 | 23.3% | -33.4% | ||
| Q3 24 | 31.4% | 3.9% | ||
| Q2 24 | 27.9% | 8.3% | ||
| Q1 24 | 24.1% | -7.1% |
每股收益（稀释后）STELSWIM
| Q4 25 | $0.52 | $-0.06 | ||
| Q3 25 | $0.50 | $0.07 | ||
| Q2 25 | $0.51 | $0.13 | ||
| Q1 25 | $0.46 | $-0.05 | ||
| Q4 24 | $0.47 | $-0.24 | ||
| Q3 24 | $0.63 | $0.05 | ||
| Q2 24 | $0.56 | $0.11 | ||
| Q1 24 | $0.49 | $-0.07 |
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 | $419.5M | — |
| 总债务越低越好 | — | $279.8M |
| 股东权益账面价值 | $1.7B | $405.9M |
| 总资产 | $10.8B | $823.2M |
| 负债/权益比越低杠杆越低 | — | 0.69× |
8季度趋势，按日历期对齐
现金及短期投资STELSWIM
| Q4 25 | $419.5M | — | ||
| Q3 25 | $728.4M | — | ||
| Q2 25 | $578.1M | — | ||
| Q1 25 | $560.6M | — | ||
| Q4 24 | $911.2M | — | ||
| Q3 24 | $516.2M | — | ||
| Q2 24 | $490.3M | — | ||
| Q1 24 | $399.7M | — |
总债务STELSWIM
| Q4 25 | — | $279.8M | ||
| Q3 25 | — | $281.1M | ||
| Q2 25 | — | $281.5M | ||
| Q1 25 | — | $306.9M | ||
| Q4 24 | — | $281.5M | ||
| Q3 24 | — | $282.8M | ||
| Q2 24 | — | $282.4M | ||
| Q1 24 | — | $282.8M |
股东权益STELSWIM
| Q4 25 | $1.7B | $405.9M | ||
| Q3 25 | $1.7B | $408.4M | ||
| Q2 25 | $1.6B | $398.4M | ||
| Q1 25 | $1.6B | $381.1M | ||
| Q4 24 | $1.6B | $387.2M | ||
| Q3 24 | $1.6B | $416.6M | ||
| Q2 24 | $1.6B | $408.1M | ||
| Q1 24 | $1.5B | $391.8M |
总资产STELSWIM
| Q4 25 | $10.8B | $823.2M | ||
| Q3 25 | $10.6B | $844.4M | ||
| Q2 25 | $10.5B | $822.1M | ||
| Q1 25 | $10.4B | $824.6M | ||
| Q4 24 | $10.9B | $794.2M | ||
| Q3 24 | $10.6B | $853.4M | ||
| Q2 24 | $10.7B | $830.0M | ||
| Q1 24 | $10.7B | $808.6M |
负债/权益比STELSWIM
| Q4 25 | — | 0.69× | ||
| Q3 25 | — | 0.69× | ||
| Q2 25 | — | 0.71× | ||
| Q1 25 | — | 0.81× | ||
| Q4 24 | — | 0.73× | ||
| Q3 24 | — | 0.68× | ||
| Q2 24 | — | 0.69× | ||
| Q1 24 | — | 0.72× |
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 | $97.0M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $92.6M | $14.1M |
| 自由现金流率自由现金流/营收 | 85.0% | 14.1% |
| 资本支出强度资本支出/营收 | 4.0% | 9.2% |
| 现金转化率经营现金流/净利润 | 3.71× | — |
| 过去12个月自由现金流最近4个季度 | $173.2M | $38.0M |
8季度趋势，按日历期对齐
经营现金流STELSWIM
| Q4 25 | $97.0M | $23.3M | ||
| Q3 25 | $63.6M | $51.0M | ||
| Q2 25 | $25.8M | $36.0M | ||
| Q1 25 | $-5.7M | $-46.9M | ||
| Q4 24 | $132.6M | $6.2M | ||
| Q3 24 | $59.5M | $37.2M | ||
| Q2 24 | $38.1M | $52.4M | ||
| Q1 24 | $31.1M | $-34.5M |
自由现金流STELSWIM
| Q4 25 | $92.6M | $14.1M | ||
| Q3 25 | $62.5M | $45.2M | ||
| Q2 25 | $24.5M | $29.1M | ||
| Q1 25 | $-6.4M | $-50.3M | ||
| Q4 24 | $128.0M | $-98.0K | ||
| Q3 24 | $57.7M | $33.2M | ||
| Q2 24 | $37.1M | $47.9M | ||
| Q1 24 | $30.5M | $-39.9M |
自由现金流率STELSWIM
| Q4 25 | 85.0% | 14.1% | ||
| Q3 25 | 59.2% | 27.9% | ||
| Q2 25 | 23.6% | 16.8% | ||
| Q1 25 | -6.2% | -45.2% | ||
| Q4 24 | 118.5% | -0.1% | ||
| Q3 24 | 53.5% | 22.1% | ||
| Q2 24 | 34.8% | 29.9% | ||
| Q1 24 | 28.2% | -36.0% |
资本支出强度STELSWIM
| Q4 25 | 4.0% | 9.2% | ||
| Q3 25 | 1.1% | 3.6% | ||
| Q2 25 | 1.2% | 4.0% | ||
| Q1 25 | 0.7% | 3.1% | ||
| Q4 24 | 4.3% | 7.2% | ||
| Q3 24 | 1.7% | 2.7% | ||
| Q2 24 | 0.9% | 2.8% | ||
| Q1 24 | 0.5% | 4.8% |
现金转化率STELSWIM
| Q4 25 | 3.71× | — | ||
| Q3 25 | 2.48× | 6.29× | ||
| Q2 25 | 0.98× | 2.25× | ||
| Q1 25 | -0.23× | — | ||
| Q4 24 | 5.26× | — | ||
| Q3 24 | 1.76× | 6.32× | ||
| Q2 24 | 1.28× | 3.95× | ||
| Q1 24 | 1.19× | — |
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
STEL
暂无分部数据
SWIM
| In Ground Swimming Pools | $50.2M | 50% |
| Covers | $37.0M | 37% |
| Liners | $12.7M | 13% |
