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FIRST BUSEY CORP（BUSE）与INTERNATIONAL BANCSHARES CORP（IBOC）财务数据对比。点击上方公司名可切换其他公司
INTERNATIONAL BANCSHARES CORP的季度营收约是FIRST BUSEY CORP的1.1倍（$217.7M vs $196.2M），INTERNATIONAL BANCSHARES CORP净利率更高（62.3% vs 25.5%，领先36.9%），过去两年FIRST BUSEY CORP的营收复合增速更高（29.9% vs 2.8%）
第一布西银行是总部位于美国伊利诺伊州尚佩恩的金融机构，业务覆盖伊利诺伊州、印第安纳州以及佛罗里达州西南部，隶属于金融控股公司First Busey Holding。
国际银行股份公司（International Bancshares Corporation）是总部位于美国得克萨斯州拉雷多的银行控股公司，核心子公司为国际商业银行。目前集团通过旗下银行子公司运营217个营业网点、315台自动柜员机，服务覆盖得克萨斯州、俄克拉荷马州的88个城镇社区。
BUSE vs IBOC — 直观对比
营收规模更大
IBOC
是对方的1.1倍
$196.2M
净利率更高
IBOC
高出36.9%
25.5%
两年增速更快
BUSE
近两年复合增速
2.8%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $196.2M | $217.7M |
| 净利润 | $50.0M | $106.9M |
| 毛利率 | — | — |
| 营业利润率 | — | 62.8% |
| 净利率 | 25.5% | 62.3% |
| 营收同比 | — | 4.5% |
| 净利润同比 | 266.7% | -7.1% |
| 每股收益（稀释后） | $1.00 | $1.71 |
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BUSEIBOC
| Q1 26 | $196.2M | — | ||
| Q4 25 | $200.2M | $217.7M | ||
| Q3 25 | $196.3M | $218.1M | ||
| Q2 25 | $198.0M | $208.2M | ||
| Q1 25 | $125.0M | $198.2M | ||
| Q4 24 | $116.8M | $208.3M | ||
| Q3 24 | $118.5M | $211.8M | ||
| Q2 24 | $116.2M | $207.8M |
净利润BUSEIBOC
| Q1 26 | $50.0M | — | ||
| Q4 25 | — | $106.9M | ||
| Q3 25 | $57.1M | $108.4M | ||
| Q2 25 | $47.4M | $100.1M | ||
| Q1 25 | $-30.0M | $96.9M | ||
| Q4 24 | — | $115.1M | ||
| Q3 24 | $32.0M | $99.8M | ||
| Q2 24 | $27.4M | $97.0M |
营业利润率BUSEIBOC
| Q1 26 | — | — | ||
| Q4 25 | 38.7% | 62.8% | ||
| Q3 25 | 39.4% | 62.6% | ||
| Q2 25 | 32.6% | 60.5% | ||
| Q1 25 | -26.1% | 61.1% | ||
| Q4 24 | 32.0% | 64.2% | ||
| Q3 24 | 35.9% | 60.0% | ||
| Q2 24 | 33.1% | 60.1% |
净利率BUSEIBOC
| Q1 26 | 25.5% | — | ||
| Q4 25 | — | 62.3% | ||
| Q3 25 | 29.1% | 49.7% | ||
| Q2 25 | 23.9% | 48.1% | ||
| Q1 25 | -24.0% | 48.9% | ||
| Q4 24 | — | 71.5% | ||
| Q3 24 | 27.0% | 47.1% | ||
| Q2 24 | 23.5% | 46.7% |
每股收益（稀释后）BUSEIBOC
| Q1 26 | $1.00 | — | ||
| Q4 25 | $0.81 | $1.71 | ||
| Q3 25 | $0.58 | $1.74 | ||
| Q2 25 | $0.52 | $1.61 | ||
| Q1 25 | $-0.44 | $1.56 | ||
| Q4 24 | $0.50 | $1.85 | ||
| Q3 24 | $0.55 | $1.60 | ||
| Q2 24 | $0.47 | $1.56 |
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 | $288.5M | $5.5B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $2.5B | $3.3B |
| 总资产 | $18.1B | $16.6B |
| 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BUSEIBOC
| Q1 26 | $288.5M | — | ||
| Q4 25 | $294.1M | $5.5B | ||
| Q3 25 | $385.5M | $5.6B | ||
| Q2 25 | $752.4M | $5.8B | ||
| Q1 25 | $1.2B | $5.6B | ||
| Q4 24 | $697.7M | $5.4B | ||
| Q3 24 | $553.7M | $5.8B | ||
| Q2 24 | $285.3M | $5.7B |
总债务BUSEIBOC
| Q1 26 | — | — | ||
| Q4 25 | $113.8M | — | ||
| Q3 25 | $92.4M | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $0 | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益BUSEIBOC
| Q1 26 | $2.5B | — | ||
| Q4 25 | $2.5B | $3.3B | ||
| Q3 25 | $2.4B | $3.1B | ||
| Q2 25 | $2.4B | $3.0B | ||
| Q1 25 | $2.2B | $2.9B | ||
| Q4 24 | $1.4B | $2.8B | ||
| Q3 24 | $1.4B | $2.7B | ||
| Q2 24 | $1.3B | $2.6B |
总资产BUSEIBOC
| Q1 26 | $18.1B | — | ||
| Q4 25 | $18.1B | $16.6B | ||
| Q3 25 | $18.2B | $16.6B | ||
| Q2 25 | $18.9B | $16.5B | ||
| Q1 25 | $19.5B | $16.3B | ||
| Q4 24 | $12.0B | $15.7B | ||
| Q3 24 | $12.0B | $15.9B | ||
| Q2 24 | $12.0B | $15.5B |
负债/权益比BUSEIBOC
| Q1 26 | — | — | ||
| Q4 25 | 0.05× | — | ||
| Q3 25 | 0.04× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.00× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | — | $491.1M |
| 自由现金流经营现金流 - 资本支出 | — | $472.9M |
| 自由现金流率自由现金流/营收 | — | 217.2% |
| 资本支出强度资本支出/营收 | — | 8.3% |
| 现金转化率经营现金流/净利润 | — | 4.59× |
| 过去12个月自由现金流最近4个季度 | — | $809.9M |
8季度趋势，按日历期对齐
经营现金流BUSEIBOC
| Q1 26 | — | — | ||
| Q4 25 | $192.6M | $491.1M | ||
| Q3 25 | $62.5M | $115.2M | ||
| Q2 25 | $49.5M | $95.5M | ||
| Q1 25 | $8.4M | $140.5M | ||
| Q4 24 | $178.3M | $473.9M | ||
| Q3 24 | $60.1M | $116.5M | ||
| Q2 24 | $28.5M | $107.2M |
自由现金流BUSEIBOC
| Q1 26 | — | — | ||
| Q4 25 | $173.0M | $472.9M | ||
| Q3 25 | $54.5M | $112.2M | ||
| Q2 25 | $46.1M | $91.6M | ||
| Q1 25 | $6.6M | $133.1M | ||
| Q4 24 | $171.8M | $459.8M | ||
| Q3 24 | $59.1M | $109.6M | ||
| Q2 24 | $26.3M | $104.9M |
自由现金流率BUSEIBOC
| Q1 26 | — | — | ||
| Q4 25 | 86.4% | 217.2% | ||
| Q3 25 | 27.7% | 51.5% | ||
| Q2 25 | 23.3% | 44.0% | ||
| Q1 25 | 5.3% | 67.1% | ||
| Q4 24 | 147.1% | 220.8% | ||
| Q3 24 | 49.9% | 51.7% | ||
| Q2 24 | 22.6% | 50.5% |
资本支出强度BUSEIBOC
| Q1 26 | — | — | ||
| Q4 25 | 9.8% | 8.3% | ||
| Q3 25 | 4.1% | 1.3% | ||
| Q2 25 | 1.7% | 1.9% | ||
| Q1 25 | 1.4% | 3.7% | ||
| Q4 24 | 5.5% | 6.8% | ||
| Q3 24 | 0.8% | 3.3% | ||
| Q2 24 | 1.9% | 1.1% |
现金转化率BUSEIBOC
| Q1 26 | — | — | ||
| Q4 25 | — | 4.59× | ||
| Q3 25 | 1.09× | 1.06× | ||
| Q2 25 | 1.04× | 0.95× | ||
| Q1 25 | — | 1.45× | ||
| Q4 24 | — | 4.12× | ||
| Q3 24 | 1.88× | 1.17× | ||
| Q2 24 | 1.04× | 1.11× |
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
BUSE
| Net Interest Income | $154.0M | 78% |
| Noninterest Income | $42.3M | 22% |
IBOC
暂无分部数据
