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Citizens Financial Group（CFG）与Northern Trust（NTRS）财务数据对比。点击上方公司名可切换其他公司
Northern Trust的季度营收约是Citizens Financial Group的1.0倍（$2.2B vs $2.2B），Citizens Financial Group净利率更高（24.5% vs 23.7%，领先0.7%），Northern Trust同比增速更快（13.8% vs 8.6%），过去两年Northern Trust的营收复合增速更高（37.8% vs 4.9%）
Citizens Financial Group, Inc.是美国银行控股企业，总部位于罗德岛州普罗维登斯，旗下拥有Citizens Bank国民银行，业务覆盖康涅狄格、特拉华、佛罗里达、纽约等十余个美国州份及华盛顿特区，为当地客户提供各类银行金融服务。
Northern Trust是总部位于美国伊利诺伊州芝加哥的专业金融服务企业，主要服务对象包括各类企业、机构投资者以及超高净值个人客户，是美国规模最大、持续运营历史最悠久的银行机构之一。截至2025年12月末，其管理资产规模达1.8万亿美元，托管资产规模达14.9万亿美元。
CFG vs NTRS — 直观对比
营收规模更大
NTRS
是对方的1.0倍
$2.2B
营收增速更快
NTRS
高出5.1%
8.6%
净利率更高
CFG
高出0.7%
23.7%
两年增速更快
NTRS
近两年复合增速
4.9%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $2.2B |
| 净利润 | $528.0M | $525.5M |
| 毛利率 | — | — |
| 营业利润率 | 31.4% | — |
| 净利率 | 24.5% | 23.7% |
| 营收同比 | 8.6% | 13.8% |
| 净利润同比 | 31.7% | 13.0% |
| 每股收益（稀释后） | $1.12 | $2.71 |
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CFGNTRS
| Q1 26 | — | $2.2B | ||
| Q4 25 | $2.2B | $1.3B | ||
| Q3 25 | $2.1B | $1.3B | ||
| Q2 25 | $2.0B | $1.2B | ||
| Q1 25 | $1.9B | $1.2B | ||
| Q4 24 | $2.0B | $1.2B | ||
| Q3 24 | $1.9B | $1.2B | ||
| Q2 24 | $2.0B | $1.2B |
净利润CFGNTRS
| Q1 26 | — | $525.5M | ||
| Q4 25 | $528.0M | $466.0M | ||
| Q3 25 | $494.0M | $457.6M | ||
| Q2 25 | $436.0M | $421.3M | ||
| Q1 25 | $373.0M | $392.0M | ||
| Q4 24 | $401.0M | $455.4M | ||
| Q3 24 | $382.0M | $464.9M | ||
| Q2 24 | $392.0M | $896.1M |
营业利润率CFGNTRS
| Q1 26 | — | — | ||
| Q4 25 | 31.4% | 48.5% | ||
| Q3 25 | 29.7% | 49.0% | ||
| Q2 25 | 27.2% | 45.9% | ||
| Q1 25 | 24.2% | 43.0% | ||
| Q4 24 | 25.6% | 48.6% | ||
| Q3 24 | 24.7% | 50.2% | ||
| Q2 24 | 24.5% | — |
净利率CFGNTRS
| Q1 26 | — | 23.7% | ||
| Q4 25 | 24.5% | 35.6% | ||
| Q3 25 | 23.3% | 36.2% | ||
| Q2 25 | 21.4% | 34.2% | ||
| Q1 25 | 19.3% | 32.3% | ||
| Q4 24 | 20.2% | 37.3% | ||
| Q3 24 | 20.1% | 38.9% | ||
| Q2 24 | 20.0% | 76.8% |
每股收益（稀释后）CFGNTRS
| Q1 26 | — | $2.71 | ||
| Q4 25 | $1.12 | $2.42 | ||
| Q3 25 | $1.05 | $2.29 | ||
| Q2 25 | $0.92 | $2.13 | ||
| Q1 25 | $0.77 | $1.90 | ||
| Q4 24 | $0.83 | $2.25 | ||
| Q3 24 | $0.77 | $2.22 | ||
| Q2 24 | $0.78 | $4.34 |
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 | $11.2B | $2.9B |
| 股东权益账面价值 | $26.3B | $13.0B |
| 总资产 | $226.4B | $174.6B |
| 负债/权益比越低杠杆越低 | 0.43× | 0.22× |
8季度趋势，按日历期对齐
总债务CFGNTRS
| Q1 26 | — | $2.9B | ||
| Q4 25 | $11.2B | — | ||
| Q3 25 | $10.4B | — | ||
| Q2 25 | $12.5B | — | ||
| Q1 25 | $12.3B | — | ||
| Q4 24 | $12.4B | — | ||
| Q3 24 | $13.9B | — | ||
| Q2 24 | $13.1B | — |
股东权益CFGNTRS
| Q1 26 | — | $13.0B | ||
| Q4 25 | $26.3B | $13.0B | ||
| Q3 25 | $25.8B | $13.0B | ||
| Q2 25 | $25.2B | $12.9B | ||
| Q1 25 | $24.9B | $12.9B | ||
| Q4 24 | $24.3B | $12.8B | ||
| Q3 24 | $24.9B | $12.7B | ||
| Q2 24 | $23.9B | $12.7B |
总资产CFGNTRS
| Q1 26 | — | $174.6B | ||
| Q4 25 | $226.4B | $177.1B | ||
| Q3 25 | $222.7B | $170.3B | ||
| Q2 25 | $218.3B | $171.9B | ||
| Q1 25 | $220.1B | $165.1B | ||
| Q4 24 | $217.5B | $155.5B | ||
| Q3 24 | $219.7B | $155.8B | ||
| Q2 24 | $219.9B | $156.8B |
负债/权益比CFGNTRS
| Q1 26 | — | 0.22× | ||
| Q4 25 | 0.43× | — | ||
| Q3 25 | 0.40× | — | ||
| Q2 25 | 0.50× | — | ||
| Q1 25 | 0.49× | — | ||
| Q4 24 | 0.51× | — | ||
| Q3 24 | 0.56× | — | ||
| Q2 24 | 0.55× | — |
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 | $2.2B | — |
| 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 | 4.19× | — |
| 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CFGNTRS
| Q1 26 | — | — | ||
| Q4 25 | $2.2B | $388.4M | ||
| Q3 25 | $1.7B | $525.8M | ||
| Q2 25 | $886.0M | $1.9B | ||
| Q1 25 | $-213.0M | $2.7B | ||
| Q4 24 | $2.0B | $-2.6B | ||
| Q3 24 | $130.0M | $611.1M | ||
| Q2 24 | $834.0M | $3.0B |
自由现金流CFGNTRS
| Q1 26 | — | — | ||
| Q4 25 | — | $355.6M | ||
| Q3 25 | — | $509.4M | ||
| Q2 25 | — | $1.9B | ||
| Q1 25 | — | $2.7B | ||
| Q4 24 | — | $-2.7B | ||
| Q3 24 | — | $585.4M | ||
| Q2 24 | — | $3.0B |
自由现金流率CFGNTRS
| Q1 26 | — | — | ||
| Q4 25 | — | 27.2% | ||
| Q3 25 | — | 40.3% | ||
| Q2 25 | — | 150.8% | ||
| Q1 25 | — | 225.5% | ||
| Q4 24 | — | -218.9% | ||
| Q3 24 | — | 48.9% | ||
| Q2 24 | — | 254.7% |
资本支出强度CFGNTRS
| Q1 26 | — | — | ||
| Q4 25 | — | 2.5% | ||
| Q3 25 | — | 1.3% | ||
| Q2 25 | — | 1.0% | ||
| Q1 25 | — | 1.0% | ||
| Q4 24 | — | 3.3% | ||
| Q3 24 | — | 2.1% | ||
| Q2 24 | — | 1.8% |
现金转化率CFGNTRS
| Q1 26 | — | — | ||
| Q4 25 | 4.19× | 0.83× | ||
| Q3 25 | 3.43× | 1.15× | ||
| Q2 25 | 2.03× | 4.44× | ||
| Q1 25 | -0.57× | 7.01× | ||
| Q4 24 | 4.99× | -5.79× | ||
| Q3 24 | 0.34× | 1.31× | ||
| Q2 24 | 2.13× | 3.34× |
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
CFG
暂无分部数据
NTRS
| Trust, Investment and Other Servicing Fees | $1.3B | 61% |
| Other | $871.8M | 39% |
