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BankUnited, Inc.（BKU）与Columbia Financial, Inc.（CLBK）财务数据对比。点击上方公司名可切换其他公司
Columbia Financial, Inc.的季度营收约是BankUnited, Inc.的10.4倍（$60.2M vs $5.8M）。Columbia Financial, Inc.同比增速更快（29.7% vs 16.0%）。过去两年Columbia Financial, Inc.的营收复合增速更高（19.5% vs 4.4%）
BankUnited, Inc.是美国国民银行BankUnited, N.A.的控股公司，成立于1984年，总部位于佛罗里达州迈阿密莱克斯。业务覆盖佛罗里达州、佐治亚州亚特兰大及周边、得克萨斯州达拉斯、新泽西州莫里斯敦、北卡罗来纳州夏洛特，以及纽约大都会区，还通过全国性平台提供部分商业贷款和存款产品，截至2025年12月31日总资产达350亿美元。
哥伦比亚金融公司（CLBK）是一家美国多元化金融服务及银行控股企业，提供财富管理、资产管理、保险、年金、遗产规划在内的全方位金融规划产品与服务，满足客户不同阶段的财务规划需求。
BKU vs CLBK — 直观对比
营收规模更大
CLBK
是对方的10.4倍
$5.8M
营收增速更快
CLBK
高出13.7%
16.0%
两年增速更快
CLBK
近两年复合增速
4.4%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $5.8M | $60.2M |
| 净利润 | — | $15.7M |
| 毛利率 | — | — |
| 营业利润率 | — | 32.6% |
| 净利率 | — | 26.1% |
| 营收同比 | 16.0% | 29.7% |
| 净利润同比 | — | 173.9% |
| 每股收益（稀释后） | $0.89 | $0.15 |
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BKUCLBK
| Q4 25 | $5.8M | $60.2M | ||
| Q3 25 | $5.4M | $57.4M | ||
| Q2 25 | $5.3M | $53.7M | ||
| Q1 25 | $5.2M | $50.3M | ||
| Q4 24 | $5.0M | $46.4M | ||
| Q3 24 | $5.0M | $45.3M | ||
| Q2 24 | $4.9M | $44.1M | ||
| Q1 24 | $5.3M | $42.2M |
净利润BKUCLBK
| Q4 25 | — | $15.7M | ||
| Q3 25 | $71.9M | $14.9M | ||
| Q2 25 | $68.8M | $12.3M | ||
| Q1 25 | $58.5M | $8.9M | ||
| Q4 24 | — | $-21.2M | ||
| Q3 24 | $61.5M | $6.2M | ||
| Q2 24 | $53.7M | $4.5M | ||
| Q1 24 | $48.0M | $-1.2M |
营业利润率BKUCLBK
| Q4 25 | — | 32.6% | ||
| Q3 25 | — | 34.5% | ||
| Q2 25 | — | 30.7% | ||
| Q1 25 | — | 23.9% | ||
| Q4 24 | — | -57.6% | ||
| Q3 24 | — | 16.2% | ||
| Q2 24 | — | 10.9% | ||
| Q1 24 | — | -3.0% |
净利率BKUCLBK
| Q4 25 | — | 26.1% | ||
| Q3 25 | 1333.8% | 25.9% | ||
| Q2 25 | 1291.9% | 22.9% | ||
| Q1 25 | 1117.0% | 17.7% | ||
| Q4 24 | — | -45.7% | ||
| Q3 24 | 1225.1% | 13.7% | ||
| Q2 24 | 1094.6% | 10.3% | ||
| Q1 24 | 903.1% | -2.7% |
每股收益（稀释后）BKUCLBK
| Q4 25 | $0.89 | $0.15 | ||
| Q3 25 | $0.95 | $0.15 | ||
| Q2 25 | $0.91 | $0.12 | ||
| Q1 25 | $0.78 | $0.09 | ||
| Q4 24 | $0.91 | $-0.20 | ||
| Q3 24 | $0.81 | $0.06 | ||
| Q2 24 | $0.72 | $0.04 | ||
| Q1 24 | $0.64 | $-0.01 |
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 | $217.8M | $340.8M |
| 总债务越低越好 | $319.7M | $1.2B |
| 股东权益账面价值 | $3.1B | $1.2B |
| 总资产 | $35.0B | $11.0B |
| 负债/权益比越低杠杆越低 | 0.10× | 1.02× |
8季度趋势，按日历期对齐
现金及短期投资BKUCLBK
| Q4 25 | $217.8M | $340.8M | ||
| Q3 25 | $559.5M | $253.4M | ||
| Q2 25 | $801.3M | $248.2M | ||
| Q1 25 | $443.7M | $256.1M | ||
| Q4 24 | $491.1M | $289.2M | ||
| Q3 24 | $889.9M | $283.5M | ||
| Q2 24 | $433.5M | $391.1M | ||
| Q1 24 | $421.2M | $373.5M |
总债务BKUCLBK
| Q4 25 | $319.7M | $1.2B | ||
| Q3 25 | $320.4M | $1.3B | ||
| Q2 25 | $708.9M | $1.3B | ||
| Q1 25 | $709.1M | $1.1B | ||
| Q4 24 | $708.6M | $1.1B | ||
| Q3 24 | $708.7M | $1.4B | ||
| Q2 24 | $708.8M | $1.7B | ||
| Q1 24 | $709.0M | $1.5B |
股东权益BKUCLBK
| Q4 25 | $3.1B | $1.2B | ||
| Q3 25 | $3.0B | $1.1B | ||
| Q2 25 | $3.0B | $1.1B | ||
| Q1 25 | $2.9B | $1.1B | ||
| Q4 24 | $2.8B | $1.1B | ||
| Q3 24 | $2.8B | $1.1B | ||
| Q2 24 | $2.7B | $1.0B | ||
| Q1 24 | $2.6B | $1.0B |
总资产BKUCLBK
| Q4 25 | $35.0B | $11.0B | ||
| Q3 25 | $35.1B | $10.9B | ||
| Q2 25 | $35.5B | $10.7B | ||
| Q1 25 | $34.8B | $10.6B | ||
| Q4 24 | $35.2B | $10.5B | ||
| Q3 24 | $35.8B | $10.7B | ||
| Q2 24 | $35.4B | $10.8B | ||
| Q1 24 | $35.1B | $10.6B |
负债/权益比BKUCLBK
| Q4 25 | 0.10× | 1.02× | ||
| Q3 25 | 0.11× | 1.11× | ||
| Q2 25 | 0.24× | 1.14× | ||
| Q1 25 | 0.24× | 1.01× | ||
| Q4 24 | 0.25× | 1.00× | ||
| Q3 24 | 0.25× | 1.32× | ||
| Q2 24 | 0.26× | 1.61× | ||
| Q1 24 | 0.27× | 1.47× |
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 | $124.9M | $24.4M |
| 自由现金流经营现金流 - 资本支出 | — | $22.0M |
| 自由现金流率自由现金流/营收 | — | 36.5% |
| 资本支出强度资本支出/营收 | — | 3.9% |
| 现金转化率经营现金流/净利润 | — | 1.55× |
| 过去12个月自由现金流最近4个季度 | — | $58.6M |
8季度趋势，按日历期对齐
经营现金流BKUCLBK
| Q4 25 | $124.9M | $24.4M | ||
| Q3 25 | $99.7M | $31.0M | ||
| Q2 25 | $117.6M | $14.6M | ||
| Q1 25 | $16.4M | $-1.6M | ||
| Q4 24 | $185.5M | $28.9M | ||
| Q3 24 | $46.1M | $-28.3M | ||
| Q2 24 | $135.7M | $18.6M | ||
| Q1 24 | $66.5M | $14.1M |
自由现金流BKUCLBK
| Q4 25 | — | $22.0M | ||
| Q3 25 | — | $28.1M | ||
| Q2 25 | — | $12.9M | ||
| Q1 25 | — | $-4.5M | ||
| Q4 24 | — | $27.3M | ||
| Q3 24 | — | $-31.1M | ||
| Q2 24 | — | $17.2M | ||
| Q1 24 | — | $12.5M |
自由现金流率BKUCLBK
| Q4 25 | — | 36.5% | ||
| Q3 25 | — | 49.0% | ||
| Q2 25 | — | 24.1% | ||
| Q1 25 | — | -8.9% | ||
| Q4 24 | — | 58.8% | ||
| Q3 24 | — | -68.6% | ||
| Q2 24 | — | 39.0% | ||
| Q1 24 | — | 29.5% |
资本支出强度BKUCLBK
| Q4 25 | — | 3.9% | ||
| Q3 25 | — | 4.9% | ||
| Q2 25 | — | 3.2% | ||
| Q1 25 | — | 5.8% | ||
| Q4 24 | — | 3.5% | ||
| Q3 24 | — | 6.1% | ||
| Q2 24 | — | 3.1% | ||
| Q1 24 | — | 4.0% |
现金转化率BKUCLBK
| Q4 25 | — | 1.55× | ||
| Q3 25 | 1.39× | 2.08× | ||
| Q2 25 | 1.71× | 1.19× | ||
| Q1 25 | 0.28× | -0.18× | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.75× | -4.57× | ||
| Q2 24 | 2.53× | 4.09× | ||
| Q1 24 | 1.39× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
