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BANCFIRST CORP（BANF）与COMERICA INC（CMA）财务数据对比。点击上方公司名可切换其他公司
COMERICA INC的季度营收约是BANCFIRST CORP的1.5倍（$187.0M vs $127.7M）。COMERICA INC净利率更高（94.1% vs 46.6%，领先47.5%）。BANCFIRST CORP同比增速更快（10.1% vs -2.1%）。过去两年BANCFIRST CORP的营收复合增速更高（9.7% vs -1.3%）
BancFirst Corporation是总部位于美国俄克拉荷马州的金融服务控股公司，旗下共运营三家附属银行：俄克拉荷马州特许银行BancFirst，以及得克萨斯州特许的Pegasus银行和沃辛顿银行，为两地市场提供多元金融服务。
Comerica公司是总部位于美国得克萨斯州达拉斯的金融服务企业，为美国大型金融控股公司之一。旗下Comerica银行为区域性商业银行，在得克萨斯、密歇根、加利福尼亚、佛罗里达、亚利桑那五州共设413家网点，在美国多座城市设有办公场所。
BANF vs CMA — 直观对比
营收规模更大
CMA
是对方的1.5倍
$127.7M
营收增速更快
BANF
高出12.2%
-2.1%
净利率更高
CMA
高出47.5%
46.6%
两年增速更快
BANF
近两年复合增速
-1.3%
损益表 — Q4 2025 vs Q3 2025
| 指标 | | |
|---|---|---|
| 营收 | $127.7M | $187.0M |
| 净利润 | $59.5M | $176.0M |
| 毛利率 | — | — |
| 营业利润率 | 59.0% | — |
| 净利率 | 46.6% | 94.1% |
| 营收同比 | 10.1% | -2.1% |
| 净利润同比 | 5.3% | -4.3% |
| 每股收益（稀释后） | $1.75 | $1.35 |
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BANFCMA
| Q4 25 | $127.7M | — | ||
| Q3 25 | $125.6M | $187.0M | ||
| Q2 25 | $121.3M | $185.0M | ||
| Q1 25 | $115.9M | $183.0M | ||
| Q4 24 | $115.9M | $191.0M | ||
| Q3 24 | $115.0M | $191.0M | ||
| Q2 24 | $109.9M | $203.0M | ||
| Q1 24 | $106.1M | $187.0M |
净利润BANFCMA
| Q4 25 | $59.5M | — | ||
| Q3 25 | $62.7M | $176.0M | ||
| Q2 25 | $62.3M | $199.0M | ||
| Q1 25 | $56.1M | $172.0M | ||
| Q4 24 | $56.5M | $170.0M | ||
| Q3 24 | $58.9M | $184.0M | ||
| Q2 24 | $50.6M | $206.0M | ||
| Q1 24 | $50.3M | $138.0M |
营业利润率BANFCMA
| Q4 25 | 59.0% | — | ||
| Q3 25 | 62.9% | — | ||
| Q2 25 | 65.7% | — | ||
| Q1 25 | 61.3% | — | ||
| Q4 24 | 62.1% | — | ||
| Q3 24 | 64.3% | — | ||
| Q2 24 | 59.3% | — | ||
| Q1 24 | 60.5% | — |
净利率BANFCMA
| Q4 25 | 46.6% | — | ||
| Q3 25 | 49.9% | 94.1% | ||
| Q2 25 | 51.4% | 107.6% | ||
| Q1 25 | 48.4% | 94.0% | ||
| Q4 24 | 48.7% | 89.0% | ||
| Q3 24 | 51.2% | 96.3% | ||
| Q2 24 | 46.1% | 101.5% | ||
| Q1 24 | 47.4% | 73.8% |
每股收益（稀释后）BANFCMA
| Q4 25 | $1.75 | — | ||
| Q3 25 | $1.85 | $1.35 | ||
| Q2 25 | $1.85 | $1.42 | ||
| Q1 25 | $1.66 | $1.25 | ||
| Q4 24 | $1.68 | $1.22 | ||
| Q3 24 | $1.75 | $1.33 | ||
| Q2 24 | $1.51 | $1.49 | ||
| Q1 24 | $1.50 | $0.98 |
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 | — | $5.4B |
| 股东权益账面价值 | $1.9B | $7.4B |
| 总资产 | $14.8B | $77.4B |
| 负债/权益比越低杠杆越低 | — | 0.73× |
8季度趋势，按日历期对齐
总债务BANFCMA
| Q4 25 | — | — | ||
| Q3 25 | — | $5.4B | ||
| Q2 25 | — | $5.8B | ||
| Q1 25 | — | $5.7B | ||
| Q4 24 | — | $6.7B | ||
| Q3 24 | — | $6.8B | ||
| Q2 24 | — | $7.1B | ||
| Q1 24 | — | $7.1B |
股东权益BANFCMA
| Q4 25 | $1.9B | — | ||
| Q3 25 | $1.8B | $7.4B | ||
| Q2 25 | $1.7B | $6.9B | ||
| Q1 25 | $1.7B | $7.1B | ||
| Q4 24 | $1.6B | $6.5B | ||
| Q3 24 | $1.6B | $7.4B | ||
| Q2 24 | $1.5B | $6.2B | ||
| Q1 24 | $1.5B | $6.0B |
总资产BANFCMA
| Q4 25 | $14.8B | — | ||
| Q3 25 | $14.2B | $77.4B | ||
| Q2 25 | $14.0B | $78.0B | ||
| Q1 25 | $14.0B | $77.6B | ||
| Q4 24 | $13.6B | $79.3B | ||
| Q3 24 | $13.3B | $79.7B | ||
| Q2 24 | $12.7B | $79.6B | ||
| Q1 24 | $12.6B | $79.4B |
负债/权益比BANFCMA
| Q4 25 | — | — | ||
| Q3 25 | — | 0.73× | ||
| Q2 25 | — | 0.84× | ||
| Q1 25 | — | 0.81× | ||
| Q4 24 | — | 1.02× | ||
| Q3 24 | — | 0.92× | ||
| Q2 24 | — | 1.15× | ||
| Q1 24 | — | 1.18× |
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 | $54.8M | $-270.0M |
| 自由现金流经营现金流 - 资本支出 | $43.2M | — |
| 自由现金流率自由现金流/营收 | 33.9% | — |
| 资本支出强度资本支出/营收 | 9.0% | — |
| 现金转化率经营现金流/净利润 | 0.92× | -1.53× |
| 过去12个月自由现金流最近4个季度 | $237.0M | — |
8季度趋势，按日历期对齐
经营现金流BANFCMA
| Q4 25 | $54.8M | — | ||
| Q3 25 | $75.4M | $-270.0M | ||
| Q2 25 | $78.1M | $476.0M | ||
| Q1 25 | $77.0M | $273.0M | ||
| Q4 24 | $17.1M | $-354.0M | ||
| Q3 24 | $77.6M | $1.0B | ||
| Q2 24 | $100.2M | $111.0M | ||
| Q1 24 | $66.3M | $-205.0M |
自由现金流BANFCMA
| Q4 25 | $43.2M | — | ||
| Q3 25 | $63.7M | — | ||
| Q2 25 | $64.4M | — | ||
| Q1 25 | $65.6M | — | ||
| Q4 24 | $2.0M | — | ||
| Q3 24 | $72.4M | — | ||
| Q2 24 | $94.1M | — | ||
| Q1 24 | $56.1M | — |
自由现金流率BANFCMA
| Q4 25 | 33.9% | — | ||
| Q3 25 | 50.7% | — | ||
| Q2 25 | 53.1% | — | ||
| Q1 25 | 56.6% | — | ||
| Q4 24 | 1.7% | — | ||
| Q3 24 | 62.9% | — | ||
| Q2 24 | 85.7% | — | ||
| Q1 24 | 52.8% | — |
资本支出强度BANFCMA
| Q4 25 | 9.0% | — | ||
| Q3 25 | 9.3% | — | ||
| Q2 25 | 11.3% | — | ||
| Q1 25 | 9.8% | — | ||
| Q4 24 | 13.1% | — | ||
| Q3 24 | 4.6% | — | ||
| Q2 24 | 5.5% | — | ||
| Q1 24 | 9.7% | — |
现金转化率BANFCMA
| Q4 25 | 0.92× | — | ||
| Q3 25 | 1.20× | -1.53× | ||
| Q2 25 | 1.25× | 2.39× | ||
| Q1 25 | 1.37× | 1.59× | ||
| Q4 24 | 0.30× | -2.08× | ||
| Q3 24 | 1.32× | 5.70× | ||
| Q2 24 | 1.98× | 0.54× | ||
| Q1 24 | 1.32× | -1.49× |
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
BANF
暂无分部数据
CMA
| Business Bank | $93.0M | 50% |
| Credit And Debit Card | $47.0M | 25% |
| Retail Bank | $28.0M | 15% |
| Capital Markets | $9.0M | 5% |
| Other | $6.0M | 3% |
| Commercial Loan | $3.0M | 2% |
| Brokerage Commissions Revenue | $1.0M | 1% |
