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COMERICA INC（CMA）与UMB FINANCIAL CORP（UMBF）财务数据对比。点击上方公司名可切换其他公司
UMB FINANCIAL CORP的季度营收约是COMERICA INC的2.8倍（$522.5M vs $187.0M）。COMERICA INC净利率更高（94.1% vs 41.2%，领先52.9%）。UMB FINANCIAL CORP同比增速更快（94.3% vs -2.1%）。过去两年UMB FINANCIAL CORP的营收复合增速更高（47.7% 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。
UMB金融集团是总部位于美国密苏里州堪萨斯城的金融服务机构，面向美国全境及爱尔兰的个人、企业与机构客户，提供多元化金融服务，涵盖支票、储蓄等存款产品，住房按揭、车贷、商贷、信用卡等信贷服务，以及投资与财富管理解决方案。
CMA vs UMBF — 直观对比
营收规模更大
UMBF
是对方的2.8倍
$187.0M
营收增速更快
UMBF
高出96.4%
-2.1%
净利率更高
CMA
高出52.9%
41.2%
两年增速更快
UMBF
近两年复合增速
-1.3%
损益表 — Q3 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $187.0M | $522.5M |
| 净利润 | $176.0M | $215.4M |
| 毛利率 | — | — |
| 营业利润率 | — | 51.7% |
| 净利率 | 94.1% | 41.2% |
| 营收同比 | -2.1% | 94.3% |
| 净利润同比 | -4.3% | 79.5% |
| 每股收益（稀释后） | $1.35 | $2.90 |
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CMAUMBF
| Q4 25 | — | $522.5M | ||
| Q3 25 | $187.0M | $475.0M | ||
| Q2 25 | $185.0M | $467.0M | ||
| Q1 25 | $183.0M | $397.6M | ||
| Q4 24 | $191.0M | $269.0M | ||
| Q3 24 | $191.0M | $247.4M | ||
| Q2 24 | $203.0M | $245.1M | ||
| Q1 24 | $187.0M | $239.4M |
净利润CMAUMBF
| Q4 25 | — | $215.4M | ||
| Q3 25 | $176.0M | $188.3M | ||
| Q2 25 | $199.0M | $217.4M | ||
| Q1 25 | $172.0M | $81.3M | ||
| Q4 24 | $170.0M | $120.0M | ||
| Q3 24 | $184.0M | $109.6M | ||
| Q2 24 | $206.0M | $101.3M | ||
| Q1 24 | $138.0M | $110.3M |
营业利润率CMAUMBF
| Q4 25 | — | 51.7% | ||
| Q3 25 | — | 49.8% | ||
| Q2 25 | — | 58.9% | ||
| Q1 25 | — | 23.4% | ||
| Q4 24 | — | 53.8% | ||
| Q3 24 | — | 54.8% | ||
| Q2 24 | — | 51.8% | ||
| Q1 24 | — | 55.9% |
净利率CMAUMBF
| Q4 25 | — | 41.2% | ||
| Q3 25 | 94.1% | 39.6% | ||
| Q2 25 | 107.6% | 46.5% | ||
| Q1 25 | 94.0% | 20.5% | ||
| Q4 24 | 89.0% | 44.6% | ||
| Q3 24 | 96.3% | 44.3% | ||
| Q2 24 | 101.5% | 41.3% | ||
| Q1 24 | 73.8% | 46.0% |
每股收益（稀释后）CMAUMBF
| Q4 25 | — | $2.90 | ||
| Q3 25 | $1.35 | $2.36 | ||
| Q2 25 | $1.42 | $2.82 | ||
| Q1 25 | $1.25 | $1.21 | ||
| Q4 24 | $1.22 | $2.44 | ||
| Q3 24 | $1.33 | $2.23 | ||
| Q2 24 | $1.49 | $2.07 | ||
| Q1 24 | $0.98 | $2.25 |
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 | — | $7.8B |
| 总债务越低越好 | $5.4B | $474.2M |
| 股东权益账面价值 | $7.4B | $7.7B |
| 总资产 | $77.4B | $73.1B |
| 负债/权益比越低杠杆越低 | 0.73× | 0.06× |
8季度趋势，按日历期对齐
现金及短期投资CMAUMBF
| Q4 25 | — | $7.8B | ||
| Q3 25 | — | $8.8B | ||
| Q2 25 | — | $11.0B | ||
| Q1 25 | — | $10.6B | ||
| Q4 24 | — | $8.4B | ||
| Q3 24 | — | $7.3B | ||
| Q2 24 | — | $5.0B | ||
| Q1 24 | — | $6.9B |
总债务CMAUMBF
| Q4 25 | — | $474.2M | ||
| Q3 25 | $5.4B | $471.3M | ||
| Q2 25 | $5.8B | $657.3M | ||
| Q1 25 | $5.7B | $654.4M | ||
| Q4 24 | $6.7B | $385.3M | ||
| Q3 24 | $6.8B | $384.8M | ||
| Q2 24 | $7.1B | $384.2M | ||
| Q1 24 | $7.1B | $383.7M |
股东权益CMAUMBF
| Q4 25 | — | $7.7B | ||
| Q3 25 | $7.4B | $7.4B | ||
| Q2 25 | $6.9B | $7.3B | ||
| Q1 25 | $7.1B | $6.7B | ||
| Q4 24 | $6.5B | $3.5B | ||
| Q3 24 | $7.4B | $3.5B | ||
| Q2 24 | $6.2B | $3.2B | ||
| Q1 24 | $6.0B | $3.2B |
总资产CMAUMBF
| Q4 25 | — | $73.1B | ||
| Q3 25 | $77.4B | $71.9B | ||
| Q2 25 | $78.0B | $71.8B | ||
| Q1 25 | $77.6B | $69.3B | ||
| Q4 24 | $79.3B | $50.4B | ||
| Q3 24 | $79.7B | $47.5B | ||
| Q2 24 | $79.6B | $44.5B | ||
| Q1 24 | $79.4B | $45.3B |
负债/权益比CMAUMBF
| Q4 25 | — | 0.06× | ||
| Q3 25 | 0.73× | 0.06× | ||
| Q2 25 | 0.84× | 0.09× | ||
| Q1 25 | 0.81× | 0.10× | ||
| Q4 24 | 1.02× | 0.11× | ||
| Q3 24 | 0.92× | 0.11× | ||
| Q2 24 | 1.15× | 0.12× | ||
| Q1 24 | 1.18× | 0.12× |
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 | $106.1M |
| 自由现金流经营现金流 - 资本支出 | — | $95.3M |
| 自由现金流率自由现金流/营收 | — | 18.2% |
| 资本支出强度资本支出/营收 | — | 2.1% |
| 现金转化率经营现金流/净利润 | -1.53× | 0.49× |
| 过去12个月自由现金流最近4个季度 | — | $978.1M |
8季度趋势，按日历期对齐
经营现金流CMAUMBF
| Q4 25 | — | $106.1M | ||
| Q3 25 | $-270.0M | $272.2M | ||
| Q2 25 | $476.0M | $285.4M | ||
| Q1 25 | $273.0M | $363.0M | ||
| Q4 24 | $-354.0M | $-66.9M | ||
| Q3 24 | $1.0B | $123.6M | ||
| Q2 24 | $111.0M | $112.4M | ||
| Q1 24 | $-205.0M | $56.1M |
自由现金流CMAUMBF
| Q4 25 | — | $95.3M | ||
| Q3 25 | — | $257.8M | ||
| Q2 25 | — | $270.8M | ||
| Q1 25 | — | $354.2M | ||
| Q4 24 | — | $-77.1M | ||
| Q3 24 | — | $117.7M | ||
| Q2 24 | — | $106.7M | ||
| Q1 24 | — | $53.8M |
自由现金流率CMAUMBF
| Q4 25 | — | 18.2% | ||
| Q3 25 | — | 54.3% | ||
| Q2 25 | — | 58.0% | ||
| Q1 25 | — | 89.1% | ||
| Q4 24 | — | -28.6% | ||
| Q3 24 | — | 47.6% | ||
| Q2 24 | — | 43.5% | ||
| Q1 24 | — | 22.5% |
资本支出强度CMAUMBF
| Q4 25 | — | 2.1% | ||
| Q3 25 | — | 3.0% | ||
| Q2 25 | — | 3.1% | ||
| Q1 25 | — | 2.2% | ||
| Q4 24 | — | 3.8% | ||
| Q3 24 | — | 2.4% | ||
| Q2 24 | — | 2.3% | ||
| Q1 24 | — | 1.0% |
现金转化率CMAUMBF
| Q4 25 | — | 0.49× | ||
| Q3 25 | -1.53× | 1.45× | ||
| Q2 25 | 2.39× | 1.31× | ||
| Q1 25 | 1.59× | 4.46× | ||
| Q4 24 | -2.08× | -0.56× | ||
| Q3 24 | 5.70× | 1.13× | ||
| Q2 24 | 0.54× | 1.11× | ||
| Q1 24 | -1.49× | 0.51× |
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% |
UMBF
| Other | $256.7M | 49% |
| Institutional Banking | $107.2M | 21% |
| Commercial Banking | $44.0M | 8% |
| Personal Banking | $34.9M | 7% |
| Credit Card | $26.8M | 5% |
| Brokerage Fees | $17.8M | 3% |
| Deposit Account | $14.8M | 3% |
| Bankcard Fees | $12.8M | 2% |
| Trading And Investment Banking | $6.0M | 1% |
| Other Financial Services | $1.5M | 0% |
