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纽约梅隆银行（BK）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纽约梅隆银行的1.4倍（$7.4B vs $5.4B），纽约梅隆银行净利率更高（30.1% vs 27.8%，领先2.4%），纽约梅隆银行同比增速更快（12.9% vs 5.1%），过去两年纽约梅隆银行的营收复合增速更高（129.2% vs 4.7%）
纽约梅隆银行是总部位于美国纽约的全球性金融服务机构，2007年7月由纽约银行与梅隆金融公司合并组建而成，业务覆盖全球众多市场，为机构、企业及个人客户提供专业金融服务，在资产管理、证券服务等领域拥有领先的行业地位。
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。
BK vs USB — 直观对比
营收规模更大
USB
是对方的1.4倍
$5.4B
营收增速更快
BK
高出7.8%
5.1%
净利率更高
BK
高出2.4%
27.8%
两年增速更快
BK
近两年复合增速
4.7%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $5.4B | $7.4B |
| 净利润 | $1.6B | $2.0B |
| 毛利率 | — | — |
| 营业利润率 | — | 34.4% |
| 净利率 | 30.1% | 27.8% |
| 营收同比 | 12.9% | 5.1% |
| 净利润同比 | 33.4% | 23.0% |
| 每股收益（稀释后） | $2.24 | $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BKUSB
| Q1 26 | $5.4B | — | ||
| Q4 25 | $1.3B | $7.4B | ||
| Q3 25 | $1.2B | $7.3B | ||
| Q2 25 | $1.2B | $7.0B | ||
| Q1 25 | $1.2B | $7.0B | ||
| Q4 24 | $1.2B | $7.0B | ||
| Q3 24 | $1.0B | $6.9B | ||
| Q2 24 | $1.0B | $6.9B |
净利润BKUSB
| Q1 26 | $1.6B | — | ||
| Q4 25 | $1.5B | $2.0B | ||
| Q3 25 | $1.4B | $2.0B | ||
| Q2 25 | $1.4B | $1.8B | ||
| Q1 25 | $1.2B | $1.7B | ||
| Q4 24 | $1.2B | $1.7B | ||
| Q3 24 | $1.2B | $1.7B | ||
| Q2 24 | $1.2B | $1.6B |
营业利润率BKUSB
| Q1 26 | — | — | ||
| Q4 25 | — | 34.4% | ||
| Q3 25 | — | 34.5% | ||
| Q2 25 | — | 32.7% | ||
| Q1 25 | — | 31.0% | ||
| Q4 24 | — | 30.1% | ||
| Q3 24 | — | 30.2% | ||
| Q2 24 | — | 29.9% |
净利率BKUSB
| Q1 26 | 30.1% | — | ||
| Q4 25 | 108.5% | 27.8% | ||
| Q3 25 | 116.9% | 27.3% | ||
| Q2 25 | 118.3% | 25.9% | ||
| Q1 25 | 105.3% | 24.6% | ||
| Q4 24 | 96.7% | 23.7% | ||
| Q3 24 | 112.8% | 25.0% | ||
| Q2 24 | 113.4% | 23.3% |
每股收益（稀释后）BKUSB
| Q1 26 | $2.24 | — | ||
| Q4 25 | $2.01 | $1.26 | ||
| Q3 25 | $1.88 | $1.22 | ||
| Q2 25 | $1.93 | $1.11 | ||
| Q1 25 | $1.58 | $1.03 | ||
| Q4 24 | $1.53 | $1.01 | ||
| Q3 24 | $1.50 | $1.03 | ||
| Q2 24 | $1.52 | $0.97 |
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 | $32.6B | — |
| 股东权益账面价值 | $172.0B | $65.2B |
| 总资产 | $561.5B | $692.3B |
| 负债/权益比越低杠杆越低 | 0.19× | — |
8季度趋势，按日历期对齐
现金及短期投资BKUSB
| Q1 26 | — | — | ||
| Q4 25 | $5.1B | — | ||
| Q3 25 | $5.1B | — | ||
| Q2 25 | $5.7B | — | ||
| Q1 25 | $5.4B | — | ||
| Q4 24 | $4.2B | — | ||
| Q3 24 | $6.2B | — | ||
| Q2 24 | $5.3B | — |
总债务BKUSB
| Q1 26 | $32.6B | — | ||
| Q4 25 | $31.9B | — | ||
| Q3 25 | $32.3B | — | ||
| Q2 25 | $33.4B | — | ||
| Q1 25 | $30.9B | — | ||
| Q4 24 | $30.9B | — | ||
| Q3 24 | $33.2B | — | ||
| Q2 24 | $30.9B | — |
股东权益BKUSB
| Q1 26 | $172.0B | — | ||
| Q4 25 | $44.3B | $65.2B | ||
| Q3 25 | $43.9B | $63.3B | ||
| Q2 25 | $44.0B | $61.4B | ||
| Q1 25 | $43.1B | $60.1B | ||
| Q4 24 | $41.3B | $58.6B | ||
| Q3 24 | $42.0B | $58.9B | ||
| Q2 24 | $40.8B | $56.4B |
总资产BKUSB
| Q1 26 | $561.5B | — | ||
| Q4 25 | $472.3B | $692.3B | ||
| Q3 25 | $455.3B | $695.4B | ||
| Q2 25 | $485.8B | $686.4B | ||
| Q1 25 | $440.7B | $676.5B | ||
| Q4 24 | $416.1B | $678.3B | ||
| Q3 24 | $427.5B | $686.5B | ||
| Q2 24 | $428.5B | $680.1B |
负债/权益比BKUSB
| Q1 26 | 0.19× | — | ||
| Q4 25 | 0.72× | — | ||
| Q3 25 | 0.74× | — | ||
| Q2 25 | 0.76× | — | ||
| Q1 25 | 0.72× | — | ||
| Q4 24 | 0.75× | — | ||
| Q3 24 | 0.79× | — | ||
| Q2 24 | 0.76× | — |
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 | — | $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 | — | 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BKUSB
| Q1 26 | — | — | ||
| Q4 25 | $5.2B | $2.8B | ||
| Q3 25 | $-1.1B | $3.4B | ||
| Q2 25 | $2.2B | $2.0B | ||
| Q1 25 | $412.0M | $-285.0M | ||
| Q4 24 | $1.6B | $4.8B | ||
| Q3 24 | $-312.0M | $972.0M | ||
| Q2 24 | $2.1B | $2.9B |
自由现金流BKUSB
| Q1 26 | — | — | ||
| Q4 25 | $4.7B | — | ||
| Q3 25 | $-1.5B | — | ||
| Q2 25 | $1.8B | — | ||
| Q1 25 | $92.0M | — | ||
| Q4 24 | $1.1B | — | ||
| Q3 24 | $-687.0M | — | ||
| Q2 24 | $1.7B | — |
自由现金流率BKUSB
| Q1 26 | — | — | ||
| Q4 25 | 352.8% | — | ||
| Q3 25 | -121.5% | — | ||
| Q2 25 | 152.8% | — | ||
| Q1 25 | 7.9% | — | ||
| Q4 24 | 95.2% | — | ||
| Q3 24 | -65.6% | — | ||
| Q2 24 | 169.6% | — |
资本支出强度BKUSB
| Q1 26 | — | — | ||
| Q4 25 | 32.4% | — | ||
| Q3 25 | 35.4% | — | ||
| Q2 25 | 29.8% | — | ||
| Q1 25 | 27.6% | — | ||
| Q4 24 | 34.6% | — | ||
| Q3 24 | 35.8% | — | ||
| Q2 24 | 37.1% | — |
现金转化率BKUSB
| Q1 26 | — | — | ||
| Q4 25 | 3.55× | 1.39× | ||
| Q3 25 | -0.74× | 1.69× | ||
| Q2 25 | 1.54× | 1.12× | ||
| Q1 25 | 0.34× | -0.17× | ||
| Q4 24 | 1.34× | 2.87× | ||
| Q3 24 | -0.26× | 0.57× | ||
| Q2 24 | 1.82× | 1.79× |
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
BK
| Investment services fees | $2.7B | 49% |
| Other | $1.4B | 25% |
| Investment management and performance fees | $785.0M | 15% |
| Investment and other revenue | $271.0M | 5% |
| Foreign exchange revenue | $232.0M | 4% |
| Financing-related fees | $62.0M | 1% |
| Distribution and servicing fees | $37.0M | 1% |
USB
暂无分部数据
