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ステート・ストリート（STT）とUNITED COMMUNITY BANKS INC（UCB）の財務データ比較。上の社名をクリックして会社を切り替えられます
ステート・ストリートの直近四半期売上が大きい（$3.7B vs $276.5M、UNITED COMMUNITY BANKS INCの約13.3倍）。UNITED COMMUNITY BANKS INCの純利益率が高く（30.5% vs 20.4%、差は10.1%）。UNITED COMMUNITY BANKS INCの前年同期比売上増加率が高い（11.6% vs 7.5%）。過去8四半期でUNITED COMMUNITY BANKS INCの売上複合成長率が高い（8.9% vs 8.1%）
ステート・ストリートは米国ボストンに本社を置く多国籍金融サービス・銀行持株会社で、起源は1792年設立のユニオン銀行であり、米国で2番目に長く営業を続ける銀行です。2025年第3四半期現在、運用資産約5.4兆米ドル、預かり・管理資産51.7兆米ドルを誇る世界有数の資産運用・保管機関です。
ユナイテッド・コミュニティ・バンクは米国の金融機関で、米国南東部有数の総合金融サービスプロバイダーである。総資産は277億米ドル、アラバマ、フロリダ、ジョージア、ノースカロライナ、サウスカロライナ、テネシーの6州に200の営業拠点を展開し、サウスカロライナ州に本社を置く銀行の中で総資産規模が最大である。
STT vs UCB — 直接比較
損益計算書 — Q4 2025 vs Q1 2026
| 指標 | | |
|---|---|---|
| 売上 | $3.7B | $276.5M |
| 純利益 | $747.0M | $84.3M |
| 粗利率 | — | — |
| 営業利益率 | 25.0% | — |
| 純利益率 | 20.4% | 30.5% |
| 売上前年比 | 7.5% | 11.6% |
| 純利益前年比 | -4.6% | 18.0% |
| EPS（希薄化後） | $2.41 | $0.69 |
緑 = その指標でリード。会計年度がずれている場合は期間が異なる場合あり
8四半期 売上・利益トレンド
並べて比較する四半期履歴。決算期がずれていても暦四半期で整列
| Q1 26 | — | $276.5M | ||
| Q4 25 | $3.7B | $278.4M | ||
| Q3 25 | $3.5B | $276.8M | ||
| Q2 25 | $3.4B | $260.2M | ||
| Q1 25 | $3.3B | $247.7M | ||
| Q4 24 | $3.4B | $239.5M | ||
| Q3 24 | $3.3B | $202.8M | ||
| Q2 24 | $3.2B | $233.0M |
| Q1 26 | — | $84.3M | ||
| Q4 25 | $747.0M | $86.5M | ||
| Q3 25 | $861.0M | $91.5M | ||
| Q2 25 | $693.0M | $78.7M | ||
| Q1 25 | $644.0M | $71.4M | ||
| Q4 24 | $783.0M | $75.8M | ||
| Q3 24 | $730.0M | $47.3M | ||
| Q2 24 | $711.0M | $66.6M |
| Q1 26 | — | — | ||
| Q4 25 | 25.0% | 40.5% | ||
| Q3 25 | 31.1% | 42.6% | ||
| Q2 25 | 25.8% | 38.6% | ||
| Q1 25 | 25.0% | 36.8% | ||
| Q4 24 | 28.1% | 40.3% | ||
| Q3 24 | 28.4% | 29.5% | ||
| Q2 24 | 28.6% | 36.9% |
| Q1 26 | — | 30.5% | ||
| Q4 25 | 20.4% | 31.1% | ||
| Q3 25 | 24.3% | 33.0% | ||
| Q2 25 | 20.1% | 30.3% | ||
| Q1 25 | 19.6% | 28.8% | ||
| Q4 24 | 22.9% | 31.7% | ||
| Q3 24 | 22.4% | 23.3% | ||
| Q2 24 | 22.3% | 28.6% |
| Q1 26 | — | $0.69 | ||
| Q4 25 | $2.41 | $0.71 | ||
| Q3 25 | $2.78 | $0.70 | ||
| Q2 25 | $2.17 | $0.63 | ||
| Q1 25 | $2.04 | $0.58 | ||
| Q4 24 | $2.43 | $0.61 | ||
| Q3 24 | $2.26 | $0.38 | ||
| Q2 24 | $2.15 | $0.54 |
貸借対照表と財務力
直近四半期の流動性・レバレッジ・純資産のスナップショット
| 指標 | | |
|---|---|---|
| 現金・短期投資手元流動性 | — | $493.1M |
| 総負債低いほど良い | — | $205.5M |
| 株主資本純資産 | $27.8B | $3.7B |
| 総資産 | $366.0B | $28.2M |
| 負債/資本比率低いほどレバレッジが低い | — | 0.06× |
8四半期トレンド — 暦四半期で整列
| Q1 26 | — | $493.1M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | $205.5M | ||
| Q4 25 | — | $120.4M | ||
| Q3 25 | — | $155.3M | ||
| Q2 25 | — | $155.1M | ||
| Q1 25 | — | $254.3M | ||
| Q4 24 | — | $254.2M | ||
| Q3 24 | — | $316.4M | ||
| Q2 24 | — | $324.9M |
| Q1 26 | — | $3.7B | ||
| Q4 25 | $27.8B | $3.6B | ||
| Q3 25 | $27.6B | $3.6B | ||
| Q2 25 | $27.3B | $3.6B | ||
| Q1 25 | $26.7B | $3.5B | ||
| Q4 24 | $25.3B | $3.4B | ||
| Q3 24 | $25.8B | $3.4B | ||
| Q2 24 | $24.8B | $3.3B |
| Q1 26 | — | $28.2M | ||
| Q4 25 | $366.0B | $28.0B | ||
| Q3 25 | $371.1B | $28.1B | ||
| Q2 25 | $376.7B | $28.1B | ||
| Q1 25 | $372.7B | $27.9B | ||
| Q4 24 | $353.2B | $27.7B | ||
| Q3 24 | $338.5B | $27.4B | ||
| Q2 24 | $325.6B | $27.1B |
| Q1 26 | — | 0.06× | ||
| Q4 25 | — | 0.03× | ||
| Q3 25 | — | 0.04× | ||
| Q2 25 | — | 0.04× | ||
| Q1 25 | — | 0.07× | ||
| Q4 24 | — | 0.07× | ||
| Q3 24 | — | 0.09× | ||
| Q2 24 | — | 0.10× |
キャッシュフローと資本効率
再投資後に実際に生み出すキャッシュ。純利益より操作が難しい
| 指標 | | |
|---|---|---|
| 営業キャッシュフロー直近四半期 | $10.0B | — |
| フリーキャッシュフロー営業CF - 設備投資 | $9.8B | — |
| FCFマージンFCF / 売上 | 266.6% | — |
| 設備投資強度設備投資 / 売上 | 7.3% | — |
| キャッシュ転換率営業CF / 純利益 | 13.44× | — |
| 直近12ヶ月FCF直近4四半期 | $10.8B | — |
8四半期トレンド — 暦四半期で整列
| Q1 26 | — | — | ||
| Q4 25 | $10.0B | $65.5M | ||
| Q3 25 | $7.9B | $123.1M | ||
| Q2 25 | $-8.4B | $96.8M | ||
| Q1 25 | $2.4B | $98.6M | ||
| Q4 24 | $-7.4B | $148.1M | ||
| Q3 24 | $2.7B | $7.7M | ||
| Q2 24 | $-7.6B | $105.1M |
| Q1 26 | — | — | ||
| Q4 25 | $9.8B | $59.7M | ||
| Q3 25 | $7.7B | $117.7M | ||
| Q2 25 | $-8.8B | $84.7M | ||
| Q1 25 | $2.2B | $94.3M | ||
| Q4 24 | $-7.7B | $142.6M | ||
| Q3 24 | $2.5B | $-2.2M | ||
| Q2 24 | $-7.9B | $87.2M |
| Q1 26 | — | — | ||
| Q4 25 | 266.6% | 21.4% | ||
| Q3 25 | 216.0% | 42.5% | ||
| Q2 25 | -254.1% | 32.6% | ||
| Q1 25 | 66.1% | 38.1% | ||
| Q4 24 | -225.1% | 59.5% | ||
| Q3 24 | 75.9% | -1.1% | ||
| Q2 24 | -246.2% | 37.4% |
| Q1 26 | — | — | ||
| Q4 25 | 7.3% | 2.1% | ||
| Q3 25 | 6.9% | 1.9% | ||
| Q2 25 | 9.3% | 4.7% | ||
| Q1 25 | 6.9% | 1.7% | ||
| Q4 24 | 7.3% | 2.3% | ||
| Q3 24 | 7.2% | 4.9% | ||
| Q2 24 | 6.7% | 7.7% |
| Q1 26 | — | — | ||
| Q4 25 | 13.44× | 0.76× | ||
| Q3 25 | 9.18× | 1.35× | ||
| Q2 25 | -12.18× | 1.23× | ||
| Q1 25 | 3.72× | 1.38× | ||
| Q4 24 | -9.49× | 1.95× | ||
| Q3 24 | 3.71× | 0.16× | ||
| Q2 24 | -10.75× | 1.58× |
財務フロー比較
売上 → 粗利 → 営業利益 → 純利益のサンキー図
セグメント別売上内訳
STT
| Other | $2.1B | 56% |
| Investment Management | $729.0M | 20% |
| Management Services | $662.0M | 18% |
| Foreign Exchange Trading Services | $102.0M | 3% |
| Other Fee Revenue | $56.0M | 2% |
| Securities Financing Services | $54.0M | 1% |
UCB
| Deposits | $98.0M | 35% |
| Investment securities, including tax exempt of $1,646 and $1,678, respectively | $45.3M | 16% |
| Money market | $40.7M | 15% |
| Time | $28.7M | 10% |
| NOW and interest-bearing demand | $28.1M | 10% |
| Service charges and fees | $9.5M | 3% |
| Other | $8.0M | 3% |
| Mortgage loan gains and other related fees | $8.0M | 3% |
| Wealth management fees | $4.6M | 2% |
| Lending and loan servicing fees | $4.0M | 1% |
| Deposits in banks and short-term investments | $1.2M | 0% |
| Securities gains, net | $133.0K | 0% |
