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Citizens Financial Group（CFG）与美国合众银行（USB）财务数据对比。点击上方公司名可切换其他公司
美国合众银行的季度营收约是Citizens Financial Group的3.4倍（$7.4B vs $2.2B），美国合众银行净利率更高（27.8% vs 24.5%，领先3.3%），Citizens Financial Group同比增速更快（8.6% vs 5.1%），过去两年Citizens Financial Group的营收复合增速更高（4.9% vs 4.7%）
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。
美国合众银行是美国跨国银行机构，总部位于明尼苏达州明尼阿波利斯，在特拉华州注册成立。截至2025年为美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为系统重要性机构，旗下核心运营主体提供银行、投资、按揭等多元金融服务。
CFG vs USB — 直观对比
营收规模更大
USB
是对方的3.4倍
$2.2B
营收增速更快
CFG
高出3.5%
5.1%
净利率更高
USB
高出3.3%
24.5%
两年增速更快
CFG
近两年复合增速
4.7%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $7.4B |
| 净利润 | $528.0M | $2.0B |
| 毛利率 | — | — |
| 营业利润率 | 31.4% | 34.4% |
| 净利率 | 24.5% | 27.8% |
| 营收同比 | 8.6% | 5.1% |
| 净利润同比 | 31.7% | 23.0% |
| 每股收益（稀释后） | $1.12 | $1.26 |
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CFGUSB
| Q4 25 | $2.2B | $7.4B | ||
| Q3 25 | $2.1B | $7.3B | ||
| Q2 25 | $2.0B | $7.0B | ||
| Q1 25 | $1.9B | $7.0B | ||
| Q4 24 | $2.0B | $7.0B | ||
| Q3 24 | $1.9B | $6.9B | ||
| Q2 24 | $2.0B | $6.9B | ||
| Q1 24 | $2.0B | $6.7B |
净利润CFGUSB
| Q4 25 | $528.0M | $2.0B | ||
| Q3 25 | $494.0M | $2.0B | ||
| Q2 25 | $436.0M | $1.8B | ||
| Q1 25 | $373.0M | $1.7B | ||
| Q4 24 | $401.0M | $1.7B | ||
| Q3 24 | $382.0M | $1.7B | ||
| Q2 24 | $392.0M | $1.6B | ||
| Q1 24 | $334.0M | $1.3B |
营业利润率CFGUSB
| Q4 25 | 31.4% | 34.4% | ||
| Q3 25 | 29.7% | 34.5% | ||
| Q2 25 | 27.2% | 32.7% | ||
| Q1 25 | 24.2% | 31.0% | ||
| Q4 24 | 25.6% | 30.1% | ||
| Q3 24 | 24.7% | 30.2% | ||
| Q2 24 | 24.5% | 29.9% | ||
| Q1 24 | 21.9% | 24.9% |
净利率CFGUSB
| Q4 25 | 24.5% | 27.8% | ||
| Q3 25 | 23.3% | 27.3% | ||
| Q2 25 | 21.4% | 25.9% | ||
| Q1 25 | 19.3% | 24.6% | ||
| Q4 24 | 20.2% | 23.7% | ||
| Q3 24 | 20.1% | 25.0% | ||
| Q2 24 | 20.0% | 23.3% | ||
| Q1 24 | 17.0% | 19.6% |
每股收益（稀释后）CFGUSB
| Q4 25 | $1.12 | $1.26 | ||
| Q3 25 | $1.05 | $1.22 | ||
| Q2 25 | $0.92 | $1.11 | ||
| Q1 25 | $0.77 | $1.03 | ||
| Q4 24 | $0.83 | $1.01 | ||
| Q3 24 | $0.77 | $1.03 | ||
| Q2 24 | $0.78 | $0.97 | ||
| Q1 24 | $0.65 | $0.78 |
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 | — |
| 股东权益账面价值 | $26.3B | $65.2B |
| 总资产 | $226.4B | $692.3B |
| 负债/权益比越低杠杆越低 | 0.43× | — |
8季度趋势，按日历期对齐
总债务CFGUSB
| 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 | — | ||
| Q1 24 | $13.8B | — |
股东权益CFGUSB
| Q4 25 | $26.3B | $65.2B | ||
| Q3 25 | $25.8B | $63.3B | ||
| Q2 25 | $25.2B | $61.4B | ||
| Q1 25 | $24.9B | $60.1B | ||
| Q4 24 | $24.3B | $58.6B | ||
| Q3 24 | $24.9B | $58.9B | ||
| Q2 24 | $23.9B | $56.4B | ||
| Q1 24 | $23.8B | $55.6B |
总资产CFGUSB
| Q4 25 | $226.4B | $692.3B | ||
| Q3 25 | $222.7B | $695.4B | ||
| Q2 25 | $218.3B | $686.4B | ||
| Q1 25 | $220.1B | $676.5B | ||
| Q4 24 | $217.5B | $678.3B | ||
| Q3 24 | $219.7B | $686.5B | ||
| Q2 24 | $219.9B | $680.1B | ||
| Q1 24 | $220.4B | $683.6B |
负债/权益比CFGUSB
| 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× | — | ||
| Q1 24 | 0.58× | — |
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 | $2.8B |
| 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× | 1.39× |
| 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CFGUSB
| Q4 25 | $2.2B | $2.8B | ||
| Q3 25 | $1.7B | $3.4B | ||
| Q2 25 | $886.0M | $2.0B | ||
| Q1 25 | $-213.0M | $-285.0M | ||
| Q4 24 | $2.0B | $4.8B | ||
| Q3 24 | $130.0M | $972.0M | ||
| Q2 24 | $834.0M | $2.9B | ||
| Q1 24 | $554.0M | $2.7B |
现金转化率CFGUSB
| Q4 25 | 4.19× | 1.39× | ||
| Q3 25 | 3.43× | 1.69× | ||
| Q2 25 | 2.03× | 1.12× | ||
| Q1 25 | -0.57× | -0.17× | ||
| Q4 24 | 4.99× | 2.87× | ||
| Q3 24 | 0.34× | 0.57× | ||
| Q2 24 | 2.13× | 1.79× | ||
| Q1 24 | 1.66× | 2.02× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
