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CATHAY GENERAL BANCORP（CATY）与FIRST BANCORP（FBP）财务数据对比。点击上方公司名可切换其他公司
FIRST BANCORP的季度营收约是CATHAY GENERAL BANCORP的1.2倍（$257.2M vs $222.8M），CATHAY GENERAL BANCORP净利率更高（653.4% vs 33.9%，领先619.5%），CATHAY GENERAL BANCORP同比增速更快（19.5% vs 6.5%），CATHAY GENERAL BANCORP自由现金流更多（$363.7M vs $103.2M），过去两年CATHAY GENERAL BANCORP的营收复合增速更高（12.8% vs 5.6%）
国泰万通金控是总部位于美国的银行控股公司，旗下运营国泰银行，面向亚裔社区、中小企业提供个人及商业存贷款、财富管理等金融服务，业务覆盖加州、纽约、得州等美国多州及部分亚洲市场。
第一中西部银行总部位于美国伊利诺伊州芝加哥市，地处奥黑尔机场东侧，其前身可追溯至伊利诺伊州乔利埃特市。发展至今，该行服务范围覆盖芝加哥众多郊区，包括印第安纳州西北部、伊利诺伊州南部、威斯康星州东南部以及含爱荷华州在内的四城地区，是美国规模最大的银行机构之一。
CATY vs FBP — 直观对比
营收规模更大
FBP
是对方的1.2倍
$222.8M
营收增速更快
CATY
高出13.0%
6.5%
净利率更高
CATY
高出619.5%
33.9%
自由现金流更多
CATY
多$260.5M
$103.2M
两年增速更快
CATY
近两年复合增速
5.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $222.8M | $257.2M |
| 净利润 | $90.5M | $87.1M |
| 毛利率 | — | — |
| 营业利润率 | 50.9% | 41.7% |
| 净利率 | 653.4% | 33.9% |
| 营收同比 | 19.5% | 6.5% |
| 净利润同比 | 12.9% | 15.1% |
| 每股收益（稀释后） | $1.33 | $0.55 |
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CATYFBP
| Q4 25 | $222.8M | $257.2M | ||
| Q3 25 | $210.6M | $248.7M | ||
| Q2 25 | $196.6M | $246.8M | ||
| Q1 25 | $187.8M | $248.1M | ||
| Q4 24 | $186.5M | $241.5M | ||
| Q3 24 | $189.5M | $234.6M | ||
| Q2 24 | $178.5M | $231.7M | ||
| Q1 24 | $175.2M | $230.5M |
净利润CATYFBP
| Q4 25 | $90.5M | $87.1M | ||
| Q3 25 | $77.7M | $100.5M | ||
| Q2 25 | $77.5M | $80.2M | ||
| Q1 25 | $69.5M | $77.1M | ||
| Q4 24 | $80.2M | $75.7M | ||
| Q3 24 | $67.5M | $73.7M | ||
| Q2 24 | $66.8M | $75.8M | ||
| Q1 24 | $71.4M | $73.5M |
营业利润率CATYFBP
| Q4 25 | 50.9% | 41.7% | ||
| Q3 25 | 44.5% | 42.7% | ||
| Q2 25 | 49.0% | 41.7% | ||
| Q1 25 | 46.1% | 40.4% | ||
| Q4 24 | 46.5% | 39.8% | ||
| Q3 24 | 41.2% | 41.1% | ||
| Q2 24 | 40.7% | 43.8% | ||
| Q1 24 | 45.7% | 42.3% |
净利率CATYFBP
| Q4 25 | 653.4% | 33.9% | ||
| Q3 25 | 36.9% | 40.4% | ||
| Q2 25 | 39.4% | 32.5% | ||
| Q1 25 | 37.0% | 31.1% | ||
| Q4 24 | 587.9% | 31.4% | ||
| Q3 24 | 35.6% | 31.4% | ||
| Q2 24 | 37.4% | 32.7% | ||
| Q1 24 | 40.8% | 31.9% |
每股收益（稀释后）CATYFBP
| Q4 25 | $1.33 | $0.55 | ||
| Q3 25 | $1.13 | $0.63 | ||
| Q2 25 | $1.10 | $0.50 | ||
| Q1 25 | $0.98 | $0.47 | ||
| Q4 24 | $1.11 | $0.46 | ||
| Q3 24 | $0.94 | $0.45 | ||
| Q2 24 | $0.92 | $0.46 | ||
| Q1 24 | $0.98 | $0.44 |
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 | — | — |
| 总债务越低越好 | $119.1M | $290.0M |
| 股东权益账面价值 | $2.9B | $2.0B |
| 总资产 | $24.2B | $19.1B |
| 负债/权益比越低杠杆越低 | 0.04× | 0.15× |
8季度趋势，按日历期对齐
总债务CATYFBP
| Q4 25 | $119.1M | $290.0M | ||
| Q3 25 | $119.1M | $290.0M | ||
| Q2 25 | $119.1M | $320.0M | ||
| Q1 25 | $119.1M | $331.1M | ||
| Q4 24 | $119.1M | $561.7M | ||
| Q3 24 | $119.1M | — | ||
| Q2 24 | $119.1M | — | ||
| Q1 24 | $119.1M | — |
股东权益CATYFBP
| Q4 25 | $2.9B | $2.0B | ||
| Q3 25 | $2.9B | $1.9B | ||
| Q2 25 | $2.9B | $1.8B | ||
| Q1 25 | $2.9B | $1.8B | ||
| Q4 24 | $2.8B | $1.7B | ||
| Q3 24 | $2.8B | $1.7B | ||
| Q2 24 | $2.8B | $1.5B | ||
| Q1 24 | $2.8B | $1.5B |
总资产CATYFBP
| Q4 25 | $24.2B | $19.1B | ||
| Q3 25 | $24.1B | $19.3B | ||
| Q2 25 | $23.7B | $18.9B | ||
| Q1 25 | $23.2B | $19.1B | ||
| Q4 24 | $23.1B | $19.3B | ||
| Q3 24 | $23.3B | $18.9B | ||
| Q2 24 | $23.2B | $18.9B | ||
| Q1 24 | $23.4B | $18.9B |
负债/权益比CATYFBP
| Q4 25 | 0.04× | 0.15× | ||
| Q3 25 | 0.04× | 0.15× | ||
| Q2 25 | 0.04× | 0.17× | ||
| Q1 25 | 0.04× | 0.19× | ||
| Q4 24 | 0.04× | 0.34× | ||
| Q3 24 | 0.04× | — | ||
| Q2 24 | 0.04× | — | ||
| Q1 24 | 0.04× | — |
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 | $368.6M | $107.3M |
| 自由现金流经营现金流 - 资本支出 | $363.7M | $103.2M |
| 自由现金流率自由现金流/营收 | 163.2% | 40.1% |
| 资本支出强度资本支出/营收 | 2.2% | 1.6% |
| 现金转化率经营现金流/净利润 | 4.07× | 1.23× |
| 过去12个月自由现金流最近4个季度 | $672.7M | $437.5M |
8季度趋势，按日历期对齐
经营现金流CATYFBP
| Q4 25 | $368.6M | $107.3M | ||
| Q3 25 | $150.6M | $137.6M | ||
| Q2 25 | $64.0M | $95.4M | ||
| Q1 25 | $99.0M | $108.2M | ||
| Q4 24 | $329.2M | $96.8M | ||
| Q3 24 | $81.2M | $118.0M | ||
| Q2 24 | $72.9M | $71.1M | ||
| Q1 24 | $88.2M | $118.2M |
自由现金流CATYFBP
| Q4 25 | $363.7M | $103.2M | ||
| Q3 25 | $150.1M | $134.8M | ||
| Q2 25 | $62.7M | $92.8M | ||
| Q1 25 | $96.3M | $106.7M | ||
| Q4 24 | $325.5M | $95.2M | ||
| Q3 24 | $80.0M | $115.4M | ||
| Q2 24 | $72.4M | $69.4M | ||
| Q1 24 | $87.3M | $114.1M |
自由现金流率CATYFBP
| Q4 25 | 163.2% | 40.1% | ||
| Q3 25 | 71.3% | 54.2% | ||
| Q2 25 | 31.9% | 37.6% | ||
| Q1 25 | 51.2% | 43.0% | ||
| Q4 24 | 174.6% | 39.4% | ||
| Q3 24 | 42.2% | 49.2% | ||
| Q2 24 | 40.5% | 30.0% | ||
| Q1 24 | 49.8% | 49.5% |
资本支出强度CATYFBP
| Q4 25 | 2.2% | 1.6% | ||
| Q3 25 | 0.2% | 1.2% | ||
| Q2 25 | 0.6% | 1.1% | ||
| Q1 25 | 1.4% | 0.6% | ||
| Q4 24 | 1.9% | 0.7% | ||
| Q3 24 | 0.6% | 1.1% | ||
| Q2 24 | 0.3% | 0.7% | ||
| Q1 24 | 0.5% | 1.8% |
现金转化率CATYFBP
| Q4 25 | 4.07× | 1.23× | ||
| Q3 25 | 1.94× | 1.37× | ||
| Q2 25 | 0.83× | 1.19× | ||
| Q1 25 | 1.42× | 1.40× | ||
| Q4 24 | 4.10× | 1.28× | ||
| Q3 24 | 1.20× | 1.60× | ||
| Q2 24 | 1.09× | 0.94× | ||
| Q1 24 | 1.23× | 1.61× |
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
CATY
暂无分部数据
FBP
| Consumer Retail Banking Segment | $171.5M | 67% |
| Commercial And Corporate Segment | $46.9M | 18% |
| Mortgage Banking Segment | $22.4M | 9% |
| Virgin Islands Operations Segment | $18.6M | 7% |
