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加拿大丰业银行（BNS）与UNITED COMMUNITY BANKS INC（UCB）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UNITED COMMUNITY BANKS INC的25.5倍（$7.0B vs $276.5M）。UNITED COMMUNITY BANKS INC净利率更高（30.5% vs 23.8%，领先6.6%）
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。
联合社区银行是美国的金融机构，为美国东南部规模领先的全服务金融机构之一，总资产达277亿美元，在阿拉巴马州、佛罗里达州、佐治亚州、北卡罗来纳州、南卡罗来纳州和田纳西州设有200个营业网点，同时也是总部位于南卡罗来纳州的总资产规模最大的银行。
BNS vs UCB — 直观对比
营收规模更大
BNS
是对方的25.5倍
$276.5M
净利率更高
UCB
高出6.6%
23.8%
损益表 — Q1 2026 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $7.0B | $276.5M |
| 净利润 | $1.7B | $84.3M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 23.8% | 30.5% |
| 营收同比 | — | 11.6% |
| 净利润同比 | — | 18.0% |
| 每股收益（稀释后） | — | $0.69 |
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BNSUCB
| Q1 26 | $7.0B | $276.5M | ||
| Q4 25 | $7.2B | $278.4M | ||
| Q3 25 | $6.9B | $276.8M | ||
| Q2 25 | $6.6B | $260.2M | ||
| Q1 25 | — | $247.7M | ||
| Q4 24 | — | $239.5M | ||
| Q3 24 | — | $202.8M | ||
| Q2 24 | — | $233.0M |
净利润BNSUCB
| Q1 26 | $1.7B | $84.3M | ||
| Q4 25 | $1.6B | $86.5M | ||
| Q3 25 | $1.8B | $91.5M | ||
| Q2 25 | $1.5B | $78.7M | ||
| Q1 25 | — | $71.4M | ||
| Q4 24 | — | $75.8M | ||
| Q3 24 | — | $47.3M | ||
| Q2 24 | — | $66.6M |
营业利润率BNSUCB
| Q1 26 | — | — | ||
| Q4 25 | — | 40.5% | ||
| Q3 25 | — | 42.6% | ||
| Q2 25 | — | 38.6% | ||
| Q1 25 | — | 36.8% | ||
| Q4 24 | — | 40.3% | ||
| Q3 24 | — | 29.5% | ||
| Q2 24 | — | 36.9% |
净利率BNSUCB
| Q1 26 | 23.8% | 30.5% | ||
| Q4 25 | 22.5% | 31.1% | ||
| Q3 25 | 26.6% | 33.0% | ||
| Q2 25 | 22.4% | 30.3% | ||
| Q1 25 | — | 28.8% | ||
| Q4 24 | — | 31.7% | ||
| Q3 24 | — | 23.3% | ||
| Q2 24 | — | 28.6% |
每股收益（稀释后）BNSUCB
| Q1 26 | — | $0.69 | ||
| Q4 25 | — | $0.71 | ||
| Q3 25 | — | $0.70 | ||
| Q2 25 | — | $0.63 | ||
| Q1 25 | — | $0.58 | ||
| Q4 24 | — | $0.61 | ||
| Q3 24 | — | $0.38 | ||
| Q2 24 | — | $0.54 |
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 | $493.1M |
| 总债务越低越好 | — | $205.5M |
| 股东权益账面价值 | $65.0B | $3.7B |
| 总资产 | $1077.5B | $28.2M |
| 负债/权益比越低杠杆越低 | — | 0.06× |
8季度趋势，按日历期对齐
现金及短期投资BNSUCB
| Q1 26 | $6.4B | $493.1M | ||
| Q4 25 | — | — | ||
| Q3 25 | $8.6B | — | ||
| Q2 25 | $7.9B | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
总债务BNSUCB
| Q1 26 | — | $205.5M | ||
| Q4 25 | — | $120.4M | ||
| Q3 25 | — | $155.3M | ||
| Q2 25 | — | $155.1M | ||
| Q1 25 | — | $254.3M | ||
| Q4 24 | — | $254.2M | ||
| Q3 24 | — | $316.4M | ||
| Q2 24 | — | $324.9M |
股东权益BNSUCB
| Q1 26 | $65.0B | $3.7B | ||
| Q4 25 | — | $3.6B | ||
| Q3 25 | $62.4B | $3.6B | ||
| Q2 25 | $63.1B | $3.6B | ||
| Q1 25 | — | $3.5B | ||
| Q4 24 | — | $3.4B | ||
| Q3 24 | — | $3.4B | ||
| Q2 24 | — | $3.3B |
总资产BNSUCB
| Q1 26 | $1077.5B | $28.2M | ||
| Q4 25 | — | $28.0B | ||
| Q3 25 | $1032.7B | $28.1B | ||
| Q2 25 | $1033.3B | $28.1B | ||
| Q1 25 | — | $27.9B | ||
| Q4 24 | — | $27.7B | ||
| Q3 24 | — | $27.4B | ||
| Q2 24 | — | $27.1B |
负债/权益比BNSUCB
| Q1 26 | — | 0.06× | ||
| Q4 25 | — | 0.03× | ||
| Q3 25 | — | 0.04× | ||
| Q2 25 | — | 0.04× | ||
| Q1 25 | — | 0.07× | ||
| Q4 24 | — | 0.07× | ||
| Q3 24 | — | 0.09× | ||
| Q2 24 | — | 0.10× |
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 | — |
| 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 | 5.60× | — |
| 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BNSUCB
| Q1 26 | $9.4B | — | ||
| Q4 25 | — | $65.5M | ||
| Q3 25 | $3.2B | $123.1M | ||
| Q2 25 | $1.8B | $96.8M | ||
| Q1 25 | — | $98.6M | ||
| Q4 24 | — | $148.1M | ||
| Q3 24 | — | $7.7M | ||
| Q2 24 | — | $105.1M |
自由现金流BNSUCB
| Q1 26 | — | — | ||
| Q4 25 | — | $59.7M | ||
| Q3 25 | — | $117.7M | ||
| Q2 25 | — | $84.7M | ||
| Q1 25 | — | $94.3M | ||
| Q4 24 | — | $142.6M | ||
| Q3 24 | — | $-2.2M | ||
| Q2 24 | — | $87.2M |
自由现金流率BNSUCB
| Q1 26 | — | — | ||
| Q4 25 | — | 21.4% | ||
| Q3 25 | — | 42.5% | ||
| Q2 25 | — | 32.6% | ||
| Q1 25 | — | 38.1% | ||
| Q4 24 | — | 59.5% | ||
| Q3 24 | — | -1.1% | ||
| Q2 24 | — | 37.4% |
资本支出强度BNSUCB
| Q1 26 | — | — | ||
| Q4 25 | — | 2.1% | ||
| Q3 25 | — | 1.9% | ||
| Q2 25 | — | 4.7% | ||
| Q1 25 | — | 1.7% | ||
| Q4 24 | — | 2.3% | ||
| Q3 24 | — | 4.9% | ||
| Q2 24 | — | 7.7% |
现金转化率BNSUCB
| Q1 26 | 5.60× | — | ||
| Q4 25 | — | 0.76× | ||
| Q3 25 | 1.73× | 1.35× | ||
| Q2 25 | 1.22× | 1.23× | ||
| Q1 25 | — | 1.38× | ||
| Q4 24 | — | 1.95× | ||
| Q3 24 | — | 0.16× | ||
| Q2 24 | — | 1.58× |
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
BNS
暂无分部数据
UCB
| Deposits | $98.0M | 35% |
| Investment securities, including tax exempt of $1,646 and $1,678, respectively | $45.3M | 16% |
| Money market | $40.7M | 15% |
| Time | $28.7M | 10% |
| NOW and interest-bearing demand | $28.1M | 10% |
| Service charges and fees | $9.5M | 3% |
| Other | $8.0M | 3% |
| Mortgage loan gains and other related fees | $8.0M | 3% |
| Wealth management fees | $4.6M | 2% |
| Lending and loan servicing fees | $4.0M | 1% |
| Deposits in banks and short-term investments | $1.2M | 0% |
| Securities gains, net | $133.0K | 0% |
