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BANCFIRST CORP（BANF）与WEBSTER FINANCIAL CORP（WBS）财务数据对比。点击上方公司名可切换其他公司
BANCFIRST CORP的季度营收约是WEBSTER FINANCIAL CORP的2.2倍（$127.7M vs $58.7M）。WEBSTER FINANCIAL CORP净利率更高（435.9% vs 46.6%，领先389.3%）。BANCFIRST CORP同比增速更快（10.1% vs -0.2%）。WEBSTER FINANCIAL CORP自由现金流更多（$301.8M vs $43.2M）。过去两年BANCFIRST CORP的营收复合增速更高（9.7% vs -4.2%）
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。
韦伯斯特银行是总部位于美国康涅狄格州斯坦福德的商业银行，业务覆盖康涅狄格州、马萨诸塞州、罗德岛州、新泽西州，以及纽约州的威彻斯特、奥兰治、阿尔斯特、罗克兰县和纽约市，共设有177家营业网点和316台自动柜员机。
BANF vs WBS — 直观对比
营收规模更大
BANF
是对方的2.2倍
$58.7M
营收增速更快
BANF
高出10.3%
-0.2%
净利率更高
WBS
高出389.3%
46.6%
自由现金流更多
WBS
多$258.6M
$43.2M
两年增速更快
BANF
近两年复合增速
-4.2%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $127.7M | $58.7M |
| 净利润 | $59.5M | $255.8M |
| 毛利率 | — | — |
| 营业利润率 | 59.0% | — |
| 净利率 | 46.6% | 435.9% |
| 营收同比 | 10.1% | -0.2% |
| 净利润同比 | 5.3% | 43.9% |
| 每股收益（稀释后） | $1.75 | $1.54 |
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BANFWBS
| Q4 25 | $127.7M | $58.7M | ||
| Q3 25 | $125.6M | $59.1M | ||
| Q2 25 | $121.3M | $59.4M | ||
| Q1 25 | $115.9M | $60.8M | ||
| Q4 24 | $115.9M | $58.8M | ||
| Q3 24 | $115.0M | $61.1M | ||
| Q2 24 | $109.9M | $61.8M | ||
| Q1 24 | $106.1M | $64.0M |
净利润BANFWBS
| Q4 25 | $59.5M | $255.8M | ||
| Q3 25 | $62.7M | $261.2M | ||
| Q2 25 | $62.3M | $258.8M | ||
| Q1 25 | $56.1M | $226.9M | ||
| Q4 24 | $56.5M | $177.8M | ||
| Q3 24 | $58.9M | $193.0M | ||
| Q2 24 | $50.6M | $181.6M | ||
| Q1 24 | $50.3M | $216.3M |
营业利润率BANFWBS
| 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BANFWBS
| Q4 25 | 46.6% | 435.9% | ||
| Q3 25 | 49.9% | 442.3% | ||
| Q2 25 | 51.4% | 435.6% | ||
| Q1 25 | 48.4% | 373.4% | ||
| Q4 24 | 48.7% | 302.4% | ||
| Q3 24 | 51.2% | 316.0% | ||
| Q2 24 | 46.1% | 293.7% | ||
| Q1 24 | 47.4% | 338.0% |
每股收益（稀释后）BANFWBS
| Q4 25 | $1.75 | $1.54 | ||
| Q3 25 | $1.85 | $1.54 | ||
| Q2 25 | $1.85 | $1.52 | ||
| Q1 25 | $1.66 | $1.30 | ||
| Q4 24 | $1.68 | $1.01 | ||
| Q3 24 | $1.75 | $1.10 | ||
| Q2 24 | $1.51 | $1.03 | ||
| Q1 24 | $1.50 | $1.23 |
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 | — | $739.5M |
| 股东权益账面价值 | $1.9B | $9.5B |
| 总资产 | $14.8B | $84.1B |
| 负债/权益比越低杠杆越低 | — | 0.08× |
8季度趋势，按日历期对齐
总债务BANFWBS
| Q4 25 | — | $739.5M | ||
| Q3 25 | — | $1.2B | ||
| Q2 25 | — | $905.6M | ||
| Q1 25 | — | $907.4M | ||
| Q4 24 | — | $909.2M | ||
| Q3 24 | — | $911.0M | ||
| Q2 24 | — | $912.7M | ||
| Q1 24 | — | $914.5M |
股东权益BANFWBS
| Q4 25 | $1.9B | $9.5B | ||
| Q3 25 | $1.8B | $9.5B | ||
| Q2 25 | $1.7B | $9.3B | ||
| Q1 25 | $1.7B | $9.2B | ||
| Q4 24 | $1.6B | $9.1B | ||
| Q3 24 | $1.6B | $9.2B | ||
| Q2 24 | $1.5B | $8.8B | ||
| Q1 24 | $1.5B | $8.7B |
总资产BANFWBS
| Q4 25 | $14.8B | $84.1B | ||
| Q3 25 | $14.2B | $83.2B | ||
| Q2 25 | $14.0B | $81.9B | ||
| Q1 25 | $14.0B | $80.3B | ||
| Q4 24 | $13.6B | $79.0B | ||
| Q3 24 | $13.3B | $79.5B | ||
| Q2 24 | $12.7B | $76.8B | ||
| Q1 24 | $12.6B | $76.2B |
负债/权益比BANFWBS
| Q4 25 | — | 0.08× | ||
| Q3 25 | — | 0.13× | ||
| Q2 25 | — | 0.10× | ||
| Q1 25 | — | 0.10× | ||
| Q4 24 | — | 0.10× | ||
| Q3 24 | — | 0.10× | ||
| Q2 24 | — | 0.10× | ||
| Q1 24 | — | 0.10× |
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 | $317.6M |
| 自由现金流经营现金流 - 资本支出 | $43.2M | $301.8M |
| 自由现金流率自由现金流/营收 | 33.9% | 514.2% |
| 资本支出强度资本支出/营收 | 9.0% | 26.9% |
| 现金转化率经营现金流/净利润 | 0.92× | 1.24× |
| 过去12个月自由现金流最近4个季度 | $237.0M | $1.0B |
8季度趋势，按日历期对齐
经营现金流BANFWBS
| Q4 25 | $54.8M | $317.6M | ||
| Q3 25 | $75.4M | $374.7M | ||
| Q2 25 | $78.1M | $270.9M | ||
| Q1 25 | $77.0M | $94.9M | ||
| Q4 24 | $17.1M | $891.3M | ||
| Q3 24 | $77.6M | $45.3M | ||
| Q2 24 | $100.2M | $224.0M | ||
| Q1 24 | $66.3M | $243.7M |
自由现金流BANFWBS
| Q4 25 | $43.2M | $301.8M | ||
| Q3 25 | $63.7M | $362.5M | ||
| Q2 25 | $64.4M | $257.7M | ||
| Q1 25 | $65.6M | $86.6M | ||
| Q4 24 | $2.0M | $879.0M | ||
| Q3 24 | $72.4M | $35.3M | ||
| Q2 24 | $94.1M | $215.6M | ||
| Q1 24 | $56.1M | $238.6M |
自由现金流率BANFWBS
| Q4 25 | 33.9% | 514.2% | ||
| Q3 25 | 50.7% | 613.7% | ||
| Q2 25 | 53.1% | 433.6% | ||
| Q1 25 | 56.6% | 142.5% | ||
| Q4 24 | 1.7% | 1495.2% | ||
| Q3 24 | 62.9% | 57.8% | ||
| Q2 24 | 85.7% | 348.6% | ||
| Q1 24 | 52.8% | 372.8% |
资本支出强度BANFWBS
| Q4 25 | 9.0% | 26.9% | ||
| Q3 25 | 9.3% | 20.7% | ||
| Q2 25 | 11.3% | 22.2% | ||
| Q1 25 | 9.8% | 13.7% | ||
| Q4 24 | 13.1% | 21.0% | ||
| Q3 24 | 4.6% | 16.4% | ||
| Q2 24 | 5.5% | 13.6% | ||
| Q1 24 | 9.7% | 7.9% |
现金转化率BANFWBS
| Q4 25 | 0.92× | 1.24× | ||
| Q3 25 | 1.20× | 1.43× | ||
| Q2 25 | 1.25× | 1.05× | ||
| Q1 25 | 1.37× | 0.42× | ||
| Q4 24 | 0.30× | 5.01× | ||
| Q3 24 | 1.32× | 0.23× | ||
| Q2 24 | 1.98× | 1.23× | ||
| Q1 24 | 1.32× | 1.13× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
