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加拿大丰业银行（BNS）与HERITAGE COMMERCE CORP（HTBK）财务数据对比。点击上方公司名可切换其他公司
加拿大丰业银行的季度营收约是HERITAGE COMMERCE CORP的131.3倍（$7.0B vs $53.6M），HERITAGE COMMERCE CORP净利率更高（28.2% vs 23.8%，领先4.4%）
加拿大丰业银行（Scotiabank）是加拿大五大银行之一，总部位于安大略省多伦多，按资产及存款规模计为加拿大第三大银行。集团现有8.8万名员工，服务全球超2500万客户，2023年位列福布斯全球2000强第88位，提供个人商业银行、财富管理、企业与投资等多元金融服务。
本文介绍的企业主体信息与内容描述不符，描述内容实际为美国商会，该商会成立于1912年4月23日，是美国规模最大的游说类商业协会 advocacy 团体，成立之初得益于时任总统威廉·霍华德·塔夫脱与劳工商务部长查尔斯·内格尔推动，旨在代表工商界发声。
BNS vs HTBK — 直观对比
营收规模更大
BNS
是对方的131.3倍
$53.6M
净利率更高
HTBK
高出4.4%
23.8%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $7.0B | $53.6M |
| 净利润 | $1.7B | $15.1M |
| 毛利率 | — | — |
| 营业利润率 | — | 41.0% |
| 净利率 | 23.8% | 28.2% |
| 营收同比 | — | 15.6% |
| 净利润同比 | — | 42.3% |
| 每股收益（稀释后） | — | $0.25 |
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BNSHTBK
| Q1 26 | $7.0B | — | ||
| Q4 25 | $7.2B | $53.6M | ||
| Q3 25 | $6.9B | $50.0M | ||
| Q2 25 | $6.6B | $47.8M | ||
| Q1 25 | — | $46.1M | ||
| Q4 24 | — | $46.4M | ||
| Q3 24 | — | $42.2M | ||
| Q2 24 | — | $41.7M |
净利润BNSHTBK
| Q1 26 | $1.7B | — | ||
| Q4 25 | $1.6B | $15.1M | ||
| Q3 25 | $1.8B | $14.7M | ||
| Q2 25 | $1.5B | $6.4M | ||
| Q1 25 | — | $11.6M | ||
| Q4 24 | — | $10.6M | ||
| Q3 24 | — | $10.5M | ||
| Q2 24 | — | $9.2M |
营业利润率BNSHTBK
| Q1 26 | — | — | ||
| Q4 25 | — | 41.0% | ||
| Q3 25 | — | 41.1% | ||
| Q2 25 | — | 18.7% | ||
| Q1 25 | — | 35.4% | ||
| Q4 24 | — | 31.8% | ||
| Q3 24 | — | 34.3% | ||
| Q2 24 | — | 31.3% |
净利率BNSHTBK
| Q1 26 | 23.8% | — | ||
| Q4 25 | 22.5% | 28.2% | ||
| Q3 25 | 26.6% | 29.4% | ||
| Q2 25 | 22.4% | 13.4% | ||
| Q1 25 | — | 25.2% | ||
| Q4 24 | — | 22.9% | ||
| Q3 24 | — | 24.9% | ||
| Q2 24 | — | 22.1% |
每股收益（稀释后）BNSHTBK
| Q1 26 | — | — | ||
| Q4 25 | — | $0.25 | ||
| Q3 25 | — | $0.24 | ||
| Q2 25 | — | $0.10 | ||
| Q1 25 | — | $0.19 | ||
| Q4 24 | — | $0.17 | ||
| Q3 24 | — | $0.17 | ||
| Q2 24 | — | $0.15 |
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 | $6.4B | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $65.0B | $708.6M |
| 总资产 | $1077.5B | $5.8B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资BNSHTBK
| Q1 26 | $6.4B | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $8.6B | — | ||
| Q2 25 | $7.9B | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益BNSHTBK
| Q1 26 | $65.0B | — | ||
| Q4 25 | — | $708.6M | ||
| Q3 25 | $62.4B | $700.0M | ||
| Q2 25 | $63.1B | $694.7M | ||
| Q1 25 | — | $696.2M | ||
| Q4 24 | — | $689.7M | ||
| Q3 24 | — | $685.4M | ||
| Q2 24 | — | $679.2M |
总资产BNSHTBK
| Q1 26 | $1077.5B | — | ||
| Q4 25 | — | $5.8B | ||
| Q3 25 | $1032.7B | $5.6B | ||
| Q2 25 | $1033.3B | $5.5B | ||
| Q1 25 | — | $5.5B | ||
| Q4 24 | — | $5.6B | ||
| Q3 24 | — | $5.6B | ||
| Q2 24 | — | $5.3B |
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 | $9.4B | $61.7M |
| 自由现金流经营现金流 - 资本支出 | — | $61.3M |
| 自由现金流率自由现金流/营收 | — | 114.3% |
| 资本支出强度资本支出/营收 | — | 0.7% |
| 现金转化率经营现金流/净利润 | 5.60× | 4.08× |
| 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BNSHTBK
| Q1 26 | $9.4B | — | ||
| Q4 25 | — | $61.7M | ||
| Q3 25 | $3.2B | $18.9M | ||
| Q2 25 | $1.8B | $8.0M | ||
| Q1 25 | — | $14.8M | ||
| Q4 24 | — | $39.0M | ||
| Q3 24 | — | $5.3M | ||
| Q2 24 | — | $10.5M |
自由现金流BNSHTBK
| Q1 26 | — | — | ||
| Q4 25 | — | $61.3M | ||
| Q3 25 | — | $18.8M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $37.3M | ||
| Q3 24 | — | $4.9M | ||
| Q2 24 | — | $9.9M |
自由现金流率BNSHTBK
| Q1 26 | — | — | ||
| Q4 25 | — | 114.3% | ||
| Q3 25 | — | 37.7% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 80.5% | ||
| Q3 24 | — | 11.6% | ||
| Q2 24 | — | 23.6% |
资本支出强度BNSHTBK
| Q1 26 | — | — | ||
| Q4 25 | — | 0.7% | ||
| Q3 25 | — | 0.1% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 3.5% | ||
| Q3 24 | — | 1.0% | ||
| Q2 24 | — | 1.6% |
现金转化率BNSHTBK
| Q1 26 | 5.60× | — | ||
| Q4 25 | — | 4.08× | ||
| Q3 25 | 1.73× | 1.28× | ||
| Q2 25 | 1.22× | 1.25× | ||
| Q1 25 | — | 1.28× | ||
| Q4 24 | — | 3.67× | ||
| Q3 24 | — | 0.50× | ||
| Q2 24 | — | 1.14× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
