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美国银行（BAC）与美国合众银行（USB）财务数据对比。点击上方公司名可切换其他公司
美国银行的季度营收约是美国合众银行的4.2倍（$31.2B vs $7.4B），美国合众银行净利率更高（27.8% vs 24.1%，领先3.6%），过去两年美国银行的营收复合增速更高（11.3% vs 4.7%）
美国银行是美国知名跨国投资银行及金融服务控股集团，总部位于北卡罗来纳州夏洛特的美国银行企业中心，在曼哈顿设有投行业务及辅助办公总部，1998年由国民银行与原美国银行合并组建，为全球客户提供多元化综合金融服务。
美国合众银行是美国跨国银行机构，总部位于明尼苏达州明尼阿波利斯，在特拉华州注册成立。截至2025年为美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为系统重要性机构，旗下核心运营主体提供银行、投资、按揭等多元金融服务。
BAC vs USB — 直观对比
营收规模更大
BAC
是对方的4.2倍
$7.4B
净利率更高
USB
高出3.6%
24.1%
两年增速更快
BAC
近两年复合增速
4.7%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $31.2B | $7.4B |
| 净利润 | $7.5B | $2.0B |
| 毛利率 | — | — |
| 营业利润率 | 39.9% | 34.4% |
| 净利率 | 24.1% | 27.8% |
| 营收同比 | — | 5.1% |
| 净利润同比 | — | 23.0% |
| 每股收益（稀释后） | $0.96 | $1.26 |
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BACUSB
| Q4 25 | $31.2B | $7.4B | ||
| Q3 25 | $28.1B | $7.3B | ||
| Q2 25 | $26.5B | $7.0B | ||
| Q1 25 | $27.4B | $7.0B | ||
| Q4 24 | — | $7.0B | ||
| Q3 24 | $25.3B | $6.9B | ||
| Q2 24 | $25.4B | $6.9B | ||
| Q1 24 | $25.8B | $6.7B |
净利润BACUSB
| Q4 25 | $7.5B | $2.0B | ||
| Q3 25 | $8.5B | $2.0B | ||
| Q2 25 | $7.1B | $1.8B | ||
| Q1 25 | $7.4B | $1.7B | ||
| Q4 24 | — | $1.7B | ||
| Q3 24 | $6.9B | $1.7B | ||
| Q2 24 | $6.9B | $1.6B | ||
| Q1 24 | $6.7B | $1.3B |
营业利润率BACUSB
| Q4 25 | 39.9% | 34.4% | ||
| Q3 25 | 33.7% | 34.5% | ||
| Q2 25 | 29.1% | 32.7% | ||
| Q1 25 | 29.7% | 31.0% | ||
| Q4 24 | — | 30.1% | ||
| Q3 24 | 28.9% | 30.2% | ||
| Q2 24 | 29.8% | 29.9% | ||
| Q1 24 | 28.1% | 24.9% |
净利率BACUSB
| Q4 25 | 24.1% | 27.8% | ||
| Q3 25 | 30.2% | 27.3% | ||
| Q2 25 | 26.9% | 25.9% | ||
| Q1 25 | 27.0% | 24.6% | ||
| Q4 24 | — | 23.7% | ||
| Q3 24 | 27.2% | 25.0% | ||
| Q2 24 | 27.2% | 23.3% | ||
| Q1 24 | 25.9% | 19.6% |
每股收益（稀释后）BACUSB
| Q4 25 | $0.96 | $1.26 | ||
| Q3 25 | $1.06 | $1.22 | ||
| Q2 25 | $0.89 | $1.11 | ||
| Q1 25 | $0.90 | $1.03 | ||
| Q4 24 | — | $1.01 | ||
| Q3 24 | $0.81 | $1.03 | ||
| Q2 24 | $0.83 | $0.97 | ||
| Q1 24 | $0.76 | $0.78 |
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 | — | — |
| 总债务越低越好 | $317.8B | — |
| 股东权益账面价值 | $303.2B | $65.2B |
| 总资产 | $3411.7B | $692.3B |
| 负债/权益比越低杠杆越低 | 1.05× | — |
8季度趋势，按日历期对齐
总债务BACUSB
| Q4 25 | $317.8B | — | ||
| Q3 25 | $311.5B | — | ||
| Q2 25 | $313.4B | — | ||
| Q1 25 | $304.1B | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $296.9B | — | ||
| Q2 24 | $290.5B | — | ||
| Q1 24 | $296.3B | — |
股东权益BACUSB
| Q4 25 | $303.2B | $65.2B | ||
| Q3 25 | $304.2B | $63.3B | ||
| Q2 25 | $299.6B | $61.4B | ||
| Q1 25 | $295.6B | $60.1B | ||
| Q4 24 | — | $58.6B | ||
| Q3 24 | $296.5B | $58.9B | ||
| Q2 24 | $293.9B | $56.4B | ||
| Q1 24 | $293.6B | $55.6B |
总资产BACUSB
| Q4 25 | $3411.7B | $692.3B | ||
| Q3 25 | $3403.7B | $695.4B | ||
| Q2 25 | $3441.1B | $686.4B | ||
| Q1 25 | $3349.4B | $676.5B | ||
| Q4 24 | — | $678.3B | ||
| Q3 24 | $3324.3B | $686.5B | ||
| Q2 24 | $3258.0B | $680.1B | ||
| Q1 24 | $3273.8B | $683.6B |
负债/权益比BACUSB
| Q4 25 | 1.05× | — | ||
| Q3 25 | 1.02× | — | ||
| Q2 25 | 1.05× | — | ||
| Q1 25 | 1.03× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.00× | — | ||
| Q2 24 | 0.99× | — | ||
| Q1 24 | 1.01× | — |
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 | $-22.9B | $2.8B |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | -3.05× | 1.39× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流BACUSB
| Q4 25 | $-22.9B | $2.8B | ||
| Q3 25 | $46.9B | $3.4B | ||
| Q2 25 | $-9.1B | $2.0B | ||
| Q1 25 | $-2.2B | $-285.0M | ||
| Q4 24 | — | $4.8B | ||
| Q3 24 | — | $972.0M | ||
| Q2 24 | — | $2.9B | ||
| Q1 24 | $-15.5B | $2.7B |
现金转化率BACUSB
| Q4 25 | -3.05× | 1.39× | ||
| Q3 25 | 5.53× | 1.69× | ||
| Q2 25 | -1.28× | 1.12× | ||
| Q1 25 | -0.30× | -0.17× | ||
| Q4 24 | — | 2.87× | ||
| Q3 24 | — | 0.57× | ||
| Q2 24 | — | 1.79× | ||
| Q1 24 | -2.33× | 2.02× |
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
BAC
| Other | $7.0B | 22% |
| Global Wealth And Investment Management Segment | $6.6B | 21% |
| Global Banking Segment | $6.2B | 20% |
| Global Markets Segment | $5.3B | 17% |
| Investment And Brokerage Services Asset Management Fees | $4.2B | 13% |
| Investment Banking Income Underwriting Income | $752.0M | 2% |
| Investment Banking Income Financial Advisory Services | $590.0M | 2% |
| Investment Banking Income Syndication Fees | $324.0M | 1% |
| Corporate Securities Trading Loansand Other | $184.0M | 1% |
| Mortgage Trading Loans Mortgage Backed Securities And Asset Backed Securities | $31.0M | 0% |
| Equity Securities | $12.0M | 0% |
| Accrued Expensesand Other Liabilities | $11.0M | 0% |
USB
暂无分部数据
