vs
Citizens Financial Group（CFG）与Truist Financial（TFC）财务数据对比。点击上方公司名可切换其他公司
Truist Financial的季度营收约是Citizens Financial Group的1.7倍（$3.7B vs $2.2B），Truist Financial净利率更高（36.6% vs 24.5%，领先12.1%），Citizens Financial Group同比增速更快（8.6% vs 3.1%），过去两年Citizens Financial Group的营收复合增速更高（4.9% vs 4.8%）
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。
Truist Financial是美国银行控股公司，总部位于北卡罗来纳州夏洛特，2019年12月由BB&T与SunTrust合并组建。旗下银行在15个州及华盛顿特区共运营1928家网点，提供零售、商业、投资银行、证券经纪、资产管理、抵押贷款、保险等多元金融产品服务，为美国第十大银行，总资产达5230亿美元。
CFG vs TFC — 直观对比
营收规模更大
TFC
是对方的1.7倍
$2.2B
营收增速更快
CFG
高出5.5%
3.1%
净利率更高
TFC
高出12.1%
24.5%
两年增速更快
CFG
近两年复合增速
4.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $3.7B |
| 净利润 | $528.0M | $1.4B |
| 毛利率 | — | — |
| 营业利润率 | 31.4% | 42.3% |
| 净利率 | 24.5% | 36.6% |
| 营收同比 | 8.6% | 3.1% |
| 净利润同比 | 31.7% | 6.1% |
| 每股收益（稀释后） | $1.12 | $1.01 |
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CFGTFC
| Q4 25 | $2.2B | $3.7B | ||
| Q3 25 | $2.1B | $3.6B | ||
| Q2 25 | $2.0B | $3.6B | ||
| Q1 25 | $1.9B | $3.5B | ||
| Q4 24 | $2.0B | $3.6B | ||
| Q3 24 | $1.9B | $3.6B | ||
| Q2 24 | $2.0B | $3.5B | ||
| Q1 24 | $2.0B | $3.4B |
净利润CFGTFC
| Q4 25 | $528.0M | $1.4B | ||
| Q3 25 | $494.0M | $1.5B | ||
| Q2 25 | $436.0M | $1.2B | ||
| Q1 25 | $373.0M | $1.3B | ||
| Q4 24 | $401.0M | $1.3B | ||
| Q3 24 | $382.0M | $1.4B | ||
| Q2 24 | $392.0M | $922.0M | ||
| Q1 24 | $334.0M | $1.2B |
营业利润率CFGTFC
| Q4 25 | 31.4% | 42.3% | ||
| Q3 25 | 29.7% | 47.9% | ||
| Q2 25 | 27.2% | 42.2% | ||
| Q1 25 | 24.2% | 43.8% | ||
| Q4 24 | 25.6% | 43.3% | ||
| Q3 24 | 24.7% | 47.5% | ||
| Q2 24 | 24.5% | -148.3% | ||
| Q1 24 | 21.9% | 40.5% |
净利率CFGTFC
| Q4 25 | 24.5% | 36.6% | ||
| Q3 25 | 23.3% | 40.0% | ||
| Q2 25 | 21.4% | 34.6% | ||
| Q1 25 | 19.3% | 36.0% | ||
| Q4 24 | 20.2% | 35.5% | ||
| Q3 24 | 20.1% | 40.0% | ||
| Q2 24 | 20.0% | 26.1% | ||
| Q1 24 | 17.0% | 35.6% |
每股收益（稀释后）CFGTFC
| Q4 25 | $1.12 | $1.01 | ||
| Q3 25 | $1.05 | $1.04 | ||
| Q2 25 | $0.92 | $0.90 | ||
| Q1 25 | $0.77 | $0.87 | ||
| Q4 24 | $0.83 | $0.94 | ||
| Q3 24 | $0.77 | $0.99 | ||
| Q2 24 | $0.78 | $0.62 | ||
| Q1 24 | $0.65 | $0.81 |
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 | $42.0B |
| 股东权益账面价值 | $26.3B | $65.2B |
| 总资产 | $226.4B | $547.5B |
| 负债/权益比越低杠杆越低 | 0.43× | 0.64× |
8季度趋势，按日历期对齐
总债务CFGTFC
| Q4 25 | $11.2B | $42.0B | ||
| Q3 25 | $10.4B | $41.7B | ||
| Q2 25 | $12.5B | $44.4B | ||
| Q1 25 | $12.3B | $32.0B | ||
| Q4 24 | $12.4B | $35.0B | ||
| Q3 24 | $13.9B | $36.8B | ||
| Q2 24 | $13.1B | $34.6B | ||
| Q1 24 | $13.8B | $39.1B |
股东权益CFGTFC
| Q4 25 | $26.3B | $65.2B | ||
| Q3 25 | $25.8B | $65.6B | ||
| Q2 25 | $25.2B | $64.8B | ||
| Q1 25 | $24.9B | $64.6B | ||
| Q4 24 | $24.3B | $63.7B | ||
| Q3 24 | $24.9B | $65.7B | ||
| Q2 24 | $23.9B | $63.8B | ||
| Q1 24 | $23.8B | $59.1B |
总资产CFGTFC
| Q4 25 | $226.4B | $547.5B | ||
| Q3 25 | $222.7B | $543.9B | ||
| Q2 25 | $218.3B | $543.8B | ||
| Q1 25 | $220.1B | $535.9B | ||
| Q4 24 | $217.5B | $531.2B | ||
| Q3 24 | $219.7B | $523.4B | ||
| Q2 24 | $219.9B | $519.9B | ||
| Q1 24 | $220.4B | $535.0B |
负债/权益比CFGTFC
| Q4 25 | 0.43× | 0.64× | ||
| Q3 25 | 0.40× | 0.64× | ||
| Q2 25 | 0.50× | 0.69× | ||
| Q1 25 | 0.49× | 0.50× | ||
| Q4 24 | 0.51× | 0.55× | ||
| Q3 24 | 0.56× | 0.56× | ||
| Q2 24 | 0.55× | 0.54× | ||
| Q1 24 | 0.58× | 0.66× |
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 | $2.6B |
| 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× | 1.91× |
| 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CFGTFC
| Q4 25 | $2.2B | $2.6B | ||
| Q3 25 | $1.7B | $1.5B | ||
| Q2 25 | $886.0M | $914.0M | ||
| Q1 25 | $-213.0M | $746.0M | ||
| Q4 24 | $2.0B | $775.0M | ||
| Q3 24 | $130.0M | $1.5B | ||
| Q2 24 | $834.0M | $845.0M | ||
| Q1 24 | $554.0M | $-990.0M |
现金转化率CFGTFC
| Q4 25 | 4.19× | 1.91× | ||
| Q3 25 | 3.43× | 1.03× | ||
| Q2 25 | 2.03× | 0.74× | ||
| Q1 25 | -0.57× | 0.59× | ||
| Q4 24 | 4.99× | 0.61× | ||
| Q3 24 | 0.34× | 1.06× | ||
| Q2 24 | 2.13× | 0.92× | ||
| Q1 24 | 1.66× | -0.82× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
