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加拿大帝国商业银行（CM）与PNC Financial Services（PNC）财务数据对比。点击上方公司名可切换其他公司
加拿大帝国商业银行的季度营收约是PNC Financial Services的1.0倍（$6.1B vs $6.1B），加拿大帝国商业银行净利率更高（36.9% vs 33.5%，领先3.4%）
加拿大帝国商业银行是加拿大历史悠久的主流商业银行，其前身之一加拿大帝国银行于1873年开始运营，1961年与加拿大商业银行合并后正式成立，是加拿大五大银行之一，服务覆盖加拿大本土及全球多个地区。
PNC金融服务集团是总部位于美国宾夕法尼亚州匹兹堡的银行控股及金融服务企业，旗下PNC银行业务覆盖美国27个州及华盛顿哥伦比亚特区，共设有2629家营业网点和9523台ATM，按资产、网点数量、存款规模及ATM保有量计算，是美国规模最大的银行之一。
CM vs PNC — 直观对比
营收规模更大
CM
是对方的1.0倍
$6.1B
净利率更高
CM
高出3.4%
33.5%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $6.1B | $6.1B |
| 净利润 | $2.3B | $2.0B |
| 毛利率 | — | — |
| 营业利润率 | — | 38.4% |
| 净利率 | 36.9% | 33.5% |
| 营收同比 | — | 9.1% |
| 净利润同比 | — | 25.0% |
| 每股收益（稀释后） | — | $4.88 |
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CMPNC
| Q1 26 | $6.1B | — | ||
| Q4 25 | — | $6.1B | ||
| Q3 25 | $5.3B | $5.9B | ||
| Q2 25 | $5.1B | $5.7B | ||
| Q1 25 | — | $5.5B | ||
| Q4 24 | — | $5.6B | ||
| Q3 24 | — | $5.4B | ||
| Q2 24 | — | $5.4B |
净利润CMPNC
| Q1 26 | $2.3B | — | ||
| Q4 25 | — | $2.0B | ||
| Q3 25 | $1.5B | $1.8B | ||
| Q2 25 | $1.5B | $1.6B | ||
| Q1 25 | — | $1.5B | ||
| Q4 24 | — | $1.6B | ||
| Q3 24 | — | $1.5B | ||
| Q2 24 | — | $1.5B |
营业利润率CMPNC
| Q1 26 | — | — | ||
| Q4 25 | — | 38.4% | ||
| Q3 25 | — | 38.7% | ||
| Q2 25 | — | 35.8% | ||
| Q1 25 | — | 33.9% | ||
| Q4 24 | — | 34.2% | ||
| Q3 24 | — | 34.3% | ||
| Q2 24 | — | 33.6% |
净利率CMPNC
| Q1 26 | 36.9% | — | ||
| Q4 25 | — | 33.5% | ||
| Q3 25 | 28.9% | 30.8% | ||
| Q2 25 | 28.6% | 29.0% | ||
| Q1 25 | — | 27.5% | ||
| Q4 24 | — | 29.2% | ||
| Q3 24 | — | 27.7% | ||
| Q2 24 | — | 27.3% |
每股收益（稀释后）CMPNC
| Q1 26 | — | — | ||
| Q4 25 | — | $4.88 | ||
| Q3 25 | — | $4.35 | ||
| Q2 25 | — | $3.85 | ||
| Q1 25 | — | $3.51 | ||
| Q4 24 | — | $3.76 | ||
| Q3 24 | — | $3.49 | ||
| Q2 24 | — | $3.39 |
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 | $8.0B | — |
| 总债务越低越好 | — | $57.1B |
| 股东权益账面价值 | $47.9B | $60.6B |
| 总资产 | $826.8B | $573.6B |
| 负债/权益比越低杠杆越低 | — | 0.94× |
8季度趋势，按日历期对齐
现金及短期投资CMPNC
| Q1 26 | $8.0B | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $13.9B | — | ||
| Q2 25 | $10.2B | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
总债务CMPNC
| Q1 26 | — | — | ||
| Q4 25 | — | $57.1B | ||
| Q3 25 | — | $62.3B | ||
| Q2 25 | — | $60.4B | ||
| Q1 25 | — | $60.7B | ||
| Q4 24 | — | $61.7B | ||
| Q3 24 | — | $68.1B | ||
| Q2 24 | — | $71.4B |
股东权益CMPNC
| Q1 26 | $47.9B | — | ||
| Q4 25 | — | $60.6B | ||
| Q3 25 | $45.9B | $59.0B | ||
| Q2 25 | $45.2B | $57.6B | ||
| Q1 25 | — | $56.4B | ||
| Q4 24 | — | $54.4B | ||
| Q3 24 | — | $55.7B | ||
| Q2 24 | — | $52.6B |
总资产CMPNC
| Q1 26 | $826.8B | — | ||
| Q4 25 | — | $573.6B | ||
| Q3 25 | $804.6B | $568.8B | ||
| Q2 25 | $795.8B | $559.1B | ||
| Q1 25 | — | $554.7B | ||
| Q4 24 | — | $560.0B | ||
| Q3 24 | — | $564.9B | ||
| Q2 24 | — | $556.5B |
负债/权益比CMPNC
| Q1 26 | — | — | ||
| Q4 25 | — | 0.94× | ||
| Q3 25 | — | 1.06× | ||
| Q2 25 | — | 1.05× | ||
| Q1 25 | — | 1.08× | ||
| Q4 24 | — | 1.13× | ||
| Q3 24 | — | 1.22× | ||
| Q2 24 | — | 1.36× |
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 | $-1.6B | $757.0M |
| 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 | -0.69× | 0.37× |
| 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CMPNC
| Q1 26 | $-1.6B | — | ||
| Q4 25 | — | $757.0M | ||
| Q3 25 | $4.3B | $2.7B | ||
| Q2 25 | $667.2M | $1.5B | ||
| Q1 25 | — | $-509.0M | ||
| Q4 24 | — | $1.8B | ||
| Q3 24 | — | $3.3B | ||
| Q2 24 | — | $1.0B |
现金转化率CMPNC
| Q1 26 | -0.69× | — | ||
| Q4 25 | — | 0.37× | ||
| Q3 25 | 2.80× | 1.46× | ||
| Q2 25 | 0.46× | 0.90× | ||
| Q1 25 | — | -0.34× | ||
| Q4 24 | — | 1.11× | ||
| Q3 24 | — | 2.18× | ||
| Q2 24 | — | 0.70× |
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
CM
暂无分部数据
PNC
| Corporate Institutional Banking Segment | $3.0B | 50% |
| Other | $2.5B | 42% |
| Interchange Fees | $181.0M | 3% |
| Asset Management Fees And Brokerage Fees | $155.0M | 3% |
| Net Credit Card Fees | $59.0M | 1% |
| Merchant Fees | $32.0M | 1% |
| Commercial And Residential Mortgage Banking Fees | $25.0M | 0% |
| Cash And Cash Management Fees Other | $20.0M | 0% |
| Lending And Deposit Services Other | $18.0M | 0% |
| Treasury Management Fees | $10.0M | 0% |
