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BANCFIRST CORP（BANF）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
美国合众银行的季度营收约是BANCFIRST CORP的57.7倍（$7.4B vs $127.7M）。BANCFIRST CORP净利率更高（46.6% vs 27.8%，领先18.8%）。BANCFIRST CORP同比增速更快（10.1% vs 5.1%）。过去两年BANCFIRST CORP的营收复合增速更高（9.7% vs 4.7%）
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。
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。
BANF vs USB — 直观对比
营收规模更大
USB
是对方的57.7倍
$127.7M
营收增速更快
BANF
高出5.1%
5.1%
净利率更高
BANF
高出18.8%
27.8%
两年增速更快
BANF
近两年复合增速
4.7%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $127.7M | $7.4B |
| 净利润 | $59.5M | $2.0B |
| 毛利率 | — | — |
| 营业利润率 | 59.0% | 34.4% |
| 净利率 | 46.6% | 27.8% |
| 营收同比 | 10.1% | 5.1% |
| 净利润同比 | 5.3% | 23.0% |
| 每股收益（稀释后） | $1.75 | $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BANFUSB
| Q4 25 | $127.7M | $7.4B | ||
| Q3 25 | $125.6M | $7.3B | ||
| Q2 25 | $121.3M | $7.0B | ||
| Q1 25 | $115.9M | $7.0B | ||
| Q4 24 | $115.9M | $7.0B | ||
| Q3 24 | $115.0M | $6.9B | ||
| Q2 24 | $109.9M | $6.9B | ||
| Q1 24 | $106.1M | $6.7B |
净利润BANFUSB
| Q4 25 | $59.5M | $2.0B | ||
| Q3 25 | $62.7M | $2.0B | ||
| Q2 25 | $62.3M | $1.8B | ||
| Q1 25 | $56.1M | $1.7B | ||
| Q4 24 | $56.5M | $1.7B | ||
| Q3 24 | $58.9M | $1.7B | ||
| Q2 24 | $50.6M | $1.6B | ||
| Q1 24 | $50.3M | $1.3B |
营业利润率BANFUSB
| Q4 25 | 59.0% | 34.4% | ||
| Q3 25 | 62.9% | 34.5% | ||
| Q2 25 | 65.7% | 32.7% | ||
| Q1 25 | 61.3% | 31.0% | ||
| Q4 24 | 62.1% | 30.1% | ||
| Q3 24 | 64.3% | 30.2% | ||
| Q2 24 | 59.3% | 29.9% | ||
| Q1 24 | 60.5% | 24.9% |
净利率BANFUSB
| Q4 25 | 46.6% | 27.8% | ||
| Q3 25 | 49.9% | 27.3% | ||
| Q2 25 | 51.4% | 25.9% | ||
| Q1 25 | 48.4% | 24.6% | ||
| Q4 24 | 48.7% | 23.7% | ||
| Q3 24 | 51.2% | 25.0% | ||
| Q2 24 | 46.1% | 23.3% | ||
| Q1 24 | 47.4% | 19.6% |
每股收益（稀释后）BANFUSB
| Q4 25 | $1.75 | $1.26 | ||
| Q3 25 | $1.85 | $1.22 | ||
| Q2 25 | $1.85 | $1.11 | ||
| Q1 25 | $1.66 | $1.03 | ||
| Q4 24 | $1.68 | $1.01 | ||
| Q3 24 | $1.75 | $1.03 | ||
| Q2 24 | $1.51 | $0.97 | ||
| Q1 24 | $1.50 | $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 | — | — |
| 股东权益账面价值 | $1.9B | $65.2B |
| 总资产 | $14.8B | $692.3B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
股东权益BANFUSB
| Q4 25 | $1.9B | $65.2B | ||
| Q3 25 | $1.8B | $63.3B | ||
| Q2 25 | $1.7B | $61.4B | ||
| Q1 25 | $1.7B | $60.1B | ||
| Q4 24 | $1.6B | $58.6B | ||
| Q3 24 | $1.6B | $58.9B | ||
| Q2 24 | $1.5B | $56.4B | ||
| Q1 24 | $1.5B | $55.6B |
总资产BANFUSB
| Q4 25 | $14.8B | $692.3B | ||
| Q3 25 | $14.2B | $695.4B | ||
| Q2 25 | $14.0B | $686.4B | ||
| Q1 25 | $14.0B | $676.5B | ||
| Q4 24 | $13.6B | $678.3B | ||
| Q3 24 | $13.3B | $686.5B | ||
| Q2 24 | $12.7B | $680.1B | ||
| Q1 24 | $12.6B | $683.6B |
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 | $2.8B |
| 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× | 1.39× |
| 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BANFUSB
| Q4 25 | $54.8M | $2.8B | ||
| Q3 25 | $75.4M | $3.4B | ||
| Q2 25 | $78.1M | $2.0B | ||
| Q1 25 | $77.0M | $-285.0M | ||
| Q4 24 | $17.1M | $4.8B | ||
| Q3 24 | $77.6M | $972.0M | ||
| Q2 24 | $100.2M | $2.9B | ||
| Q1 24 | $66.3M | $2.7B |
自由现金流BANFUSB
| 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BANFUSB
| 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BANFUSB
| 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BANFUSB
| Q4 25 | 0.92× | 1.39× | ||
| Q3 25 | 1.20× | 1.69× | ||
| Q2 25 | 1.25× | 1.12× | ||
| Q1 25 | 1.37× | -0.17× | ||
| Q4 24 | 0.30× | 2.87× | ||
| Q3 24 | 1.32× | 0.57× | ||
| Q2 24 | 1.98× | 1.79× | ||
| Q1 24 | 1.32× | 2.02× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
