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BankUnited, Inc.（BKU）与TFS Financial CORP（TFSL）财务数据对比。点击上方公司名可切换其他公司
TFS Financial CORP的季度营收约是BankUnited, Inc.的13.1倍（$75.7M vs $5.8M）。BankUnited, Inc.同比增速更快（16.0% vs 10.8%）。过去两年BankUnited, Inc.的营收复合增速更高（4.4% vs 3.0%）
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。
TFS金融公司是一家总部位于美国的金融控股企业，主要通过旗下零售银行子公司开展业务，提供住房抵押贷款、储蓄账户及其他消费金融产品，核心客群主要分布于俄亥俄州和佛罗里达州，以个人及家庭客户为服务重心。
BKU vs TFSL — 直观对比
营收规模更大
TFSL
是对方的13.1倍
$5.8M
营收增速更快
BKU
高出5.3%
10.8%
两年增速更快
BKU
近两年复合增速
3.0%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $5.8M | $75.7M |
| 净利润 | — | $22.3M |
| 毛利率 | — | — |
| 营业利润率 | — | 37.7% |
| 净利率 | — | 29.4% |
| 营收同比 | 16.0% | 10.8% |
| 净利润同比 | — | -0.7% |
| 每股收益（稀释后） | $0.89 | $0.08 |
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BKUTFSL
| Q4 25 | $5.8M | $75.7M | ||
| Q3 25 | $5.4M | $77.3M | ||
| Q2 25 | $5.3M | $75.0M | ||
| Q1 25 | $5.2M | $72.0M | ||
| Q4 24 | $5.0M | $68.3M | ||
| Q3 24 | $5.0M | $68.7M | ||
| Q2 24 | $4.9M | $69.3M | ||
| Q1 24 | $5.3M | $71.4M |
净利润BKUTFSL
| Q4 25 | — | $22.3M | ||
| Q3 25 | $71.9M | $26.0M | ||
| Q2 25 | $68.8M | $21.5M | ||
| Q1 25 | $58.5M | $21.0M | ||
| Q4 24 | — | $22.4M | ||
| Q3 24 | $61.5M | $18.2M | ||
| Q2 24 | $53.7M | $20.0M | ||
| Q1 24 | $48.0M | $20.7M |
营业利润率BKUTFSL
| Q4 25 | — | 37.7% | ||
| Q3 25 | — | 42.0% | ||
| Q2 25 | — | 36.5% | ||
| Q1 25 | — | 36.8% | ||
| Q4 24 | — | 41.5% | ||
| Q3 24 | — | 33.5% | ||
| Q2 24 | — | 36.4% | ||
| Q1 24 | — | 36.3% |
净利率BKUTFSL
| Q4 25 | — | 29.4% | ||
| Q3 25 | 1333.8% | 33.6% | ||
| Q2 25 | 1291.9% | 28.7% | ||
| Q1 25 | 1117.0% | 29.2% | ||
| Q4 24 | — | 32.8% | ||
| Q3 24 | 1225.1% | 26.5% | ||
| Q2 24 | 1094.6% | 28.8% | ||
| Q1 24 | 903.1% | 29.0% |
每股收益（稀释后）BKUTFSL
| Q4 25 | $0.89 | $0.08 | ||
| Q3 25 | $0.95 | $0.09 | ||
| Q2 25 | $0.91 | $0.08 | ||
| Q1 25 | $0.78 | $0.07 | ||
| Q4 24 | $0.91 | $0.08 | ||
| Q3 24 | $0.81 | $0.07 | ||
| Q2 24 | $0.72 | $0.07 | ||
| Q1 24 | $0.64 | $0.07 |
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 | $456.7M |
| 总债务越低越好 | $319.7M | — |
| 股东权益账面价值 | $3.1B | $1.9B |
| 总资产 | $35.0B | $17.5B |
| 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BKUTFSL
| Q4 25 | $217.8M | $456.7M | ||
| Q3 25 | $559.5M | $429.4M | ||
| Q2 25 | $801.3M | $452.6M | ||
| Q1 25 | $443.7M | $463.6M | ||
| Q4 24 | $491.1M | $465.9M | ||
| Q3 24 | $889.9M | $463.7M | ||
| Q2 24 | $433.5M | $560.4M | ||
| Q1 24 | $421.2M | $594.3M |
总债务BKUTFSL
| 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BKUTFSL
| Q4 25 | $3.1B | $1.9B | ||
| Q3 25 | $3.0B | $1.9B | ||
| Q2 25 | $3.0B | $1.9B | ||
| Q1 25 | $2.9B | $1.9B | ||
| Q4 24 | $2.8B | $1.9B | ||
| Q3 24 | $2.8B | $1.9B | ||
| Q2 24 | $2.7B | $1.9B | ||
| Q1 24 | $2.6B | $1.9B |
总资产BKUTFSL
| Q4 25 | $35.0B | $17.5B | ||
| Q3 25 | $35.1B | $17.5B | ||
| Q2 25 | $35.5B | $17.4B | ||
| Q1 25 | $34.8B | $17.1B | ||
| Q4 24 | $35.2B | $17.1B | ||
| Q3 24 | $35.8B | $17.1B | ||
| Q2 24 | $35.4B | $17.0B | ||
| Q1 24 | $35.1B | $17.0B |
负债/权益比BKUTFSL
| 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 | $58.7M |
| 自由现金流经营现金流 - 资本支出 | — | $57.1M |
| 自由现金流率自由现金流/营收 | — | 75.4% |
| 资本支出强度资本支出/营收 | — | 2.2% |
| 现金转化率经营现金流/净利润 | — | 2.64× |
| 过去12个月自由现金流最近4个季度 | — | $83.1M |
8季度趋势，按日历期对齐
经营现金流BKUTFSL
| Q4 25 | $124.9M | $58.7M | ||
| Q3 25 | $99.7M | $-11.1M | ||
| Q2 25 | $117.6M | $26.8M | ||
| Q1 25 | $16.4M | $21.2M | ||
| Q4 24 | $185.5M | $45.5M | ||
| Q3 24 | $46.1M | $-58.7M | ||
| Q2 24 | $135.7M | $96.7M | ||
| Q1 24 | $66.5M | $14.2M |
自由现金流BKUTFSL
| Q4 25 | — | $57.1M | ||
| Q3 25 | — | $-13.2M | ||
| Q2 25 | — | $25.0M | ||
| Q1 25 | — | $14.3M | ||
| Q4 24 | — | $44.9M | ||
| Q3 24 | — | $-59.4M | ||
| Q2 24 | — | $95.9M | ||
| Q1 24 | — | $13.4M |
自由现金流率BKUTFSL
| Q4 25 | — | 75.4% | ||
| Q3 25 | — | -17.1% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 19.8% | ||
| Q4 24 | — | 65.7% | ||
| Q3 24 | — | -86.4% | ||
| Q2 24 | — | 138.5% | ||
| Q1 24 | — | 18.8% |
资本支出强度BKUTFSL
| Q4 25 | — | 2.2% | ||
| Q3 25 | — | 2.8% | ||
| Q2 25 | — | 2.3% | ||
| Q1 25 | — | 9.6% | ||
| Q4 24 | — | 0.9% | ||
| Q3 24 | — | 1.0% | ||
| Q2 24 | — | 1.2% | ||
| Q1 24 | — | 1.1% |
现金转化率BKUTFSL
| Q4 25 | — | 2.64× | ||
| Q3 25 | 1.39× | -0.43× | ||
| Q2 25 | 1.71× | 1.24× | ||
| Q1 25 | 0.28× | 1.01× | ||
| Q4 24 | — | 2.03× | ||
| Q3 24 | 0.75× | -3.22× | ||
| Q2 24 | 2.53× | 4.85× | ||
| Q1 24 | 1.39× | 0.69× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
