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BankUnited, Inc.（BKU）与HomeTrust Bancshares, Inc.（HTB）财务数据对比。点击上方公司名可切换其他公司
HomeTrust Bancshares, Inc.的季度营收约是BankUnited, Inc.的7.6倍（$44.2M vs $5.8M）。BankUnited, Inc.同比增速更快（16.0% vs 1.7%）。过去两年BankUnited, Inc.的营收复合增速更高（4.4% vs 3.6%）
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。
HomeTrust Bancshares, Inc.是总部位于美国北卡罗来纳州阿什维尔的银行控股公司，总资产达43亿美元，在北卡、南卡、佐治亚和田纳西州共设有33家网点，旗下拥有HomeTrust银行、Tryon联邦银行等七家社区银行。
BKU vs HTB — 直观对比
营收规模更大
HTB
是对方的7.6倍
$5.8M
营收增速更快
BKU
高出14.3%
1.7%
两年增速更快
BKU
近两年复合增速
3.6%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $5.8M | $44.2M |
| 净利润 | — | — |
| 毛利率 | — | — |
| 营业利润率 | — | 44.9% |
| 净利率 | — | — |
| 营收同比 | 16.0% | 1.7% |
| 净利润同比 | — | — |
| 每股收益（稀释后） | $0.89 | $0.93 |
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BKUHTB
| Q4 25 | $5.8M | $44.2M | ||
| Q3 25 | $5.4M | $45.4M | ||
| Q2 25 | $5.3M | $44.2M | ||
| Q1 25 | $5.2M | $42.9M | ||
| Q4 24 | $5.0M | $43.5M | ||
| Q3 24 | $5.0M | $42.4M | ||
| Q2 24 | $4.9M | $42.4M | ||
| Q1 24 | $5.3M | $41.2M |
净利润BKUHTB
| Q4 25 | — | — | ||
| Q3 25 | $71.9M | $16.5M | ||
| Q2 25 | $68.8M | $17.2M | ||
| Q1 25 | $58.5M | $14.5M | ||
| Q4 24 | — | — | ||
| Q3 24 | $61.5M | $13.1M | ||
| Q2 24 | $53.7M | $12.4M | ||
| Q1 24 | $48.0M | $15.1M |
营业利润率BKUHTB
| Q4 25 | — | 44.9% | ||
| Q3 25 | — | 46.0% | ||
| Q2 25 | — | 49.4% | ||
| Q1 25 | — | 43.0% | ||
| Q4 24 | — | 42.1% | ||
| Q3 24 | — | 39.7% | ||
| Q2 24 | — | 37.2% | ||
| Q1 24 | — | 46.1% |
净利率BKUHTB
| Q4 25 | — | — | ||
| Q3 25 | 1333.8% | 36.3% | ||
| Q2 25 | 1291.9% | 38.9% | ||
| Q1 25 | 1117.0% | 33.9% | ||
| Q4 24 | — | — | ||
| Q3 24 | 1225.1% | 31.0% | ||
| Q2 24 | 1094.6% | 29.3% | ||
| Q1 24 | 903.1% | 36.5% |
每股收益（稀释后）BKUHTB
| Q4 25 | $0.89 | $0.93 | ||
| Q3 25 | $0.95 | $0.95 | ||
| Q2 25 | $0.91 | $1.00 | ||
| Q1 25 | $0.78 | $0.84 | ||
| Q4 24 | $0.91 | $0.83 | ||
| Q3 24 | $0.81 | $0.76 | ||
| Q2 24 | $0.72 | $0.73 | ||
| Q1 24 | $0.64 | $0.88 |
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 | $324.7M |
| 总债务越低越好 | $319.7M | — |
| 股东权益账面价值 | $3.1B | $600.7M |
| 总资产 | $35.0B | $4.5B |
| 负债/权益比越低杠杆越低 | 0.10× | — |
8季度趋势，按日历期对齐
现金及短期投资BKUHTB
| Q4 25 | $217.8M | $324.7M | ||
| Q3 25 | $559.5M | $315.8M | ||
| Q2 25 | $801.3M | $297.2M | ||
| Q1 25 | $443.7M | $299.8M | ||
| Q4 24 | $491.1M | $279.2M | ||
| Q3 24 | $889.9M | $293.5M | ||
| Q2 24 | $433.5M | $294.2M | ||
| Q1 24 | $421.2M | $380.5M |
总债务BKUHTB
| Q4 25 | $319.7M | — | ||
| Q3 25 | $320.4M | — | ||
| Q2 25 | $708.9M | — | ||
| Q1 25 | $709.1M | — | ||
| Q4 24 | $708.6M | — | ||
| Q3 24 | $708.7M | — | ||
| Q2 24 | $708.8M | — | ||
| Q1 24 | $709.0M | — |
股东权益BKUHTB
| Q4 25 | $3.1B | $600.7M | ||
| Q3 25 | $3.0B | $595.8M | ||
| Q2 25 | $3.0B | $579.3M | ||
| Q1 25 | $2.9B | $565.4M | ||
| Q4 24 | $2.8B | $551.8M | ||
| Q3 24 | $2.8B | $540.0M | ||
| Q2 24 | $2.7B | $523.6M | ||
| Q1 24 | $2.6B | $513.2M |
总资产BKUHTB
| Q4 25 | $35.0B | $4.5B | ||
| Q3 25 | $35.1B | $4.6B | ||
| Q2 25 | $35.5B | $4.6B | ||
| Q1 25 | $34.8B | $4.6B | ||
| Q4 24 | $35.2B | $4.6B | ||
| Q3 24 | $35.8B | $4.6B | ||
| Q2 24 | $35.4B | $4.7B | ||
| Q1 24 | $35.1B | $4.7B |
负债/权益比BKUHTB
| Q4 25 | 0.10× | — | ||
| Q3 25 | 0.11× | — | ||
| Q2 25 | 0.24× | — | ||
| Q1 25 | 0.24× | — | ||
| Q4 24 | 0.25× | — | ||
| Q3 24 | 0.25× | — | ||
| Q2 24 | 0.26× | — | ||
| Q1 24 | 0.27× | — |
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 | $-2.1M |
| 自由现金流经营现金流 - 资本支出 | — | $-3.2M |
| 自由现金流率自由现金流/营收 | — | -7.1% |
| 资本支出强度资本支出/营收 | — | 2.4% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $45.3M |
8季度趋势，按日历期对齐
经营现金流BKUHTB
| Q4 25 | $124.9M | $-2.1M | ||
| Q3 25 | $99.7M | $-11.3M | ||
| Q2 25 | $117.6M | $-8.8M | ||
| Q1 25 | $16.4M | $71.7M | ||
| Q4 24 | $185.5M | $4.8M | ||
| Q3 24 | $46.1M | $43.8M | ||
| Q2 24 | $135.7M | $5.9M | ||
| Q1 24 | $66.5M | $-9.0M |
自由现金流BKUHTB
| Q4 25 | — | $-3.2M | ||
| Q3 25 | — | $-12.0M | ||
| Q2 25 | — | $-10.2M | ||
| Q1 25 | — | $70.7M | ||
| Q4 24 | — | $3.2M | ||
| Q3 24 | — | $43.1M | ||
| Q2 24 | — | $5.7M | ||
| Q1 24 | — | $-9.6M |
自由现金流率BKUHTB
| Q4 25 | — | -7.1% | ||
| Q3 25 | — | -26.5% | ||
| Q2 25 | — | -23.0% | ||
| Q1 25 | — | 164.7% | ||
| Q4 24 | — | 7.4% | ||
| Q3 24 | — | 101.7% | ||
| Q2 24 | — | 13.4% | ||
| Q1 24 | — | -23.3% |
资本支出强度BKUHTB
| Q4 25 | — | 2.4% | ||
| Q3 25 | — | 1.7% | ||
| Q2 25 | — | 3.0% | ||
| Q1 25 | — | 2.4% | ||
| Q4 24 | — | 3.6% | ||
| Q3 24 | — | 1.6% | ||
| Q2 24 | — | 0.6% | ||
| Q1 24 | — | 1.4% |
现金转化率BKUHTB
| Q4 25 | — | — | ||
| Q3 25 | 1.39× | -0.68× | ||
| Q2 25 | 1.71× | -0.51× | ||
| Q1 25 | 0.28× | 4.93× | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.75× | 3.34× | ||
| Q2 24 | 2.53× | 0.48× | ||
| Q1 24 | 1.39× | -0.60× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
