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COMERICA INC（CMA）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COMERICA INC的19.8倍（$3.7B vs $187.0M）。COMERICA INC净利率更高（94.1% vs 36.6%，领先57.5%）。Truist Financial同比增速更快（3.1% vs -2.1%）。过去两年Truist Financial的营收复合增速更高（4.8% vs -1.3%）
Comerica公司是总部位于美国得克萨斯州达拉斯的金融服务企业，为美国大型金融控股公司之一。旗下Comerica银行为区域性商业银行，在得克萨斯、密歇根、加利福尼亚、佛罗里达、亚利桑那五州共设413家网点，在美国多座城市设有办公场所。
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。
CMA vs TFC — 直观对比
营收规模更大
TFC
是对方的19.8倍
$187.0M
营收增速更快
TFC
高出5.2%
-2.1%
净利率更高
CMA
高出57.5%
36.6%
两年增速更快
TFC
近两年复合增速
-1.3%
损益表 — Q3 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $187.0M | $3.7B |
| 净利润 | $176.0M | $1.4B |
| 毛利率 | — | — |
| 营业利润率 | — | 42.3% |
| 净利率 | 94.1% | 36.6% |
| 营收同比 | -2.1% | 3.1% |
| 净利润同比 | -4.3% | 6.1% |
| 每股收益（稀释后） | $1.35 | $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CMATFC
| Q4 25 | — | $3.7B | ||
| Q3 25 | $187.0M | $3.6B | ||
| Q2 25 | $185.0M | $3.6B | ||
| Q1 25 | $183.0M | $3.5B | ||
| Q4 24 | $191.0M | $3.6B | ||
| Q3 24 | $191.0M | $3.6B | ||
| Q2 24 | $203.0M | $3.5B | ||
| Q1 24 | $187.0M | $3.4B |
净利润CMATFC
| Q4 25 | — | $1.4B | ||
| Q3 25 | $176.0M | $1.5B | ||
| Q2 25 | $199.0M | $1.2B | ||
| Q1 25 | $172.0M | $1.3B | ||
| Q4 24 | $170.0M | $1.3B | ||
| Q3 24 | $184.0M | $1.4B | ||
| Q2 24 | $206.0M | $922.0M | ||
| Q1 24 | $138.0M | $1.2B |
营业利润率CMATFC
| Q4 25 | — | 42.3% | ||
| Q3 25 | — | 47.9% | ||
| Q2 25 | — | 42.2% | ||
| Q1 25 | — | 43.8% | ||
| Q4 24 | — | 43.3% | ||
| Q3 24 | — | 47.5% | ||
| Q2 24 | — | -148.3% | ||
| Q1 24 | — | 40.5% |
净利率CMATFC
| Q4 25 | — | 36.6% | ||
| Q3 25 | 94.1% | 40.0% | ||
| Q2 25 | 107.6% | 34.6% | ||
| Q1 25 | 94.0% | 36.0% | ||
| Q4 24 | 89.0% | 35.5% | ||
| Q3 24 | 96.3% | 40.0% | ||
| Q2 24 | 101.5% | 26.1% | ||
| Q1 24 | 73.8% | 35.6% |
每股收益（稀释后）CMATFC
| Q4 25 | — | $1.01 | ||
| Q3 25 | $1.35 | $1.04 | ||
| Q2 25 | $1.42 | $0.90 | ||
| Q1 25 | $1.25 | $0.87 | ||
| Q4 24 | $1.22 | $0.94 | ||
| Q3 24 | $1.33 | $0.99 | ||
| Q2 24 | $1.49 | $0.62 | ||
| Q1 24 | $0.98 | $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 | $5.4B | $42.0B |
| 股东权益账面价值 | $7.4B | $65.2B |
| 总资产 | $77.4B | $547.5B |
| 负债/权益比越低杠杆越低 | 0.73× | 0.64× |
8季度趋势，按日历期对齐
总债务CMATFC
| Q4 25 | — | $42.0B | ||
| Q3 25 | $5.4B | $41.7B | ||
| Q2 25 | $5.8B | $44.4B | ||
| Q1 25 | $5.7B | $32.0B | ||
| Q4 24 | $6.7B | $35.0B | ||
| Q3 24 | $6.8B | $36.8B | ||
| Q2 24 | $7.1B | $34.6B | ||
| Q1 24 | $7.1B | $39.1B |
股东权益CMATFC
| Q4 25 | — | $65.2B | ||
| Q3 25 | $7.4B | $65.6B | ||
| Q2 25 | $6.9B | $64.8B | ||
| Q1 25 | $7.1B | $64.6B | ||
| Q4 24 | $6.5B | $63.7B | ||
| Q3 24 | $7.4B | $65.7B | ||
| Q2 24 | $6.2B | $63.8B | ||
| Q1 24 | $6.0B | $59.1B |
总资产CMATFC
| Q4 25 | — | $547.5B | ||
| Q3 25 | $77.4B | $543.9B | ||
| Q2 25 | $78.0B | $543.8B | ||
| Q1 25 | $77.6B | $535.9B | ||
| Q4 24 | $79.3B | $531.2B | ||
| Q3 24 | $79.7B | $523.4B | ||
| Q2 24 | $79.6B | $519.9B | ||
| Q1 24 | $79.4B | $535.0B |
负债/权益比CMATFC
| Q4 25 | — | 0.64× | ||
| Q3 25 | 0.73× | 0.64× | ||
| Q2 25 | 0.84× | 0.69× | ||
| Q1 25 | 0.81× | 0.50× | ||
| Q4 24 | 1.02× | 0.55× | ||
| Q3 24 | 0.92× | 0.56× | ||
| Q2 24 | 1.15× | 0.54× | ||
| Q1 24 | 1.18× | 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 | $-270.0M | $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 | -1.53× | 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CMATFC
| Q4 25 | — | $2.6B | ||
| Q3 25 | $-270.0M | $1.5B | ||
| Q2 25 | $476.0M | $914.0M | ||
| Q1 25 | $273.0M | $746.0M | ||
| Q4 24 | $-354.0M | $775.0M | ||
| Q3 24 | $1.0B | $1.5B | ||
| Q2 24 | $111.0M | $845.0M | ||
| Q1 24 | $-205.0M | $-990.0M |
现金转化率CMATFC
| Q4 25 | — | 1.91× | ||
| Q3 25 | -1.53× | 1.03× | ||
| Q2 25 | 2.39× | 0.74× | ||
| Q1 25 | 1.59× | 0.59× | ||
| Q4 24 | -2.08× | 0.61× | ||
| Q3 24 | 5.70× | 1.06× | ||
| Q2 24 | 0.54× | 0.92× | ||
| Q1 24 | -1.49× | -0.82× |
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
CMA
| Business Bank | $93.0M | 50% |
| Credit And Debit Card | $47.0M | 25% |
| Retail Bank | $28.0M | 15% |
| Capital Markets | $9.0M | 5% |
| Other | $6.0M | 3% |
| Commercial Loan | $3.0M | 2% |
| Brokerage Commissions Revenue | $1.0M | 1% |
TFC
暂无分部数据
