vs
COMERICA INC（CMA）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COMERICA INC的39.4倍（$7.4B vs $187.0M）。COMERICA INC净利率更高（94.1% vs 27.8%，领先66.4%）。美国合众银行同比增速更快（5.1% vs -2.1%）。过去两年美国合众银行的营收复合增速更高（4.7% 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。
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。
CMA vs USB — 直观对比
营收规模更大
USB
是对方的39.4倍
$187.0M
营收增速更快
USB
高出7.2%
-2.1%
净利率更高
CMA
高出66.4%
27.8%
两年增速更快
USB
近两年复合增速
-1.3%
损益表 — Q3 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $187.0M | $7.4B |
| 净利润 | $176.0M | $2.0B |
| 毛利率 | — | — |
| 营业利润率 | — | 34.4% |
| 净利率 | 94.1% | 27.8% |
| 营收同比 | -2.1% | 5.1% |
| 净利润同比 | -4.3% | 23.0% |
| 每股收益（稀释后） | $1.35 | $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CMAUSB
| Q4 25 | — | $7.4B | ||
| Q3 25 | $187.0M | $7.3B | ||
| Q2 25 | $185.0M | $7.0B | ||
| Q1 25 | $183.0M | $7.0B | ||
| Q4 24 | $191.0M | $7.0B | ||
| Q3 24 | $191.0M | $6.9B | ||
| Q2 24 | $203.0M | $6.9B | ||
| Q1 24 | $187.0M | $6.7B |
净利润CMAUSB
| Q4 25 | — | $2.0B | ||
| Q3 25 | $176.0M | $2.0B | ||
| Q2 25 | $199.0M | $1.8B | ||
| Q1 25 | $172.0M | $1.7B | ||
| Q4 24 | $170.0M | $1.7B | ||
| Q3 24 | $184.0M | $1.7B | ||
| Q2 24 | $206.0M | $1.6B | ||
| Q1 24 | $138.0M | $1.3B |
营业利润率CMAUSB
| Q4 25 | — | 34.4% | ||
| Q3 25 | — | 34.5% | ||
| Q2 25 | — | 32.7% | ||
| Q1 25 | — | 31.0% | ||
| Q4 24 | — | 30.1% | ||
| Q3 24 | — | 30.2% | ||
| Q2 24 | — | 29.9% | ||
| Q1 24 | — | 24.9% |
净利率CMAUSB
| Q4 25 | — | 27.8% | ||
| Q3 25 | 94.1% | 27.3% | ||
| Q2 25 | 107.6% | 25.9% | ||
| Q1 25 | 94.0% | 24.6% | ||
| Q4 24 | 89.0% | 23.7% | ||
| Q3 24 | 96.3% | 25.0% | ||
| Q2 24 | 101.5% | 23.3% | ||
| Q1 24 | 73.8% | 19.6% |
每股收益（稀释后）CMAUSB
| Q4 25 | — | $1.26 | ||
| Q3 25 | $1.35 | $1.22 | ||
| Q2 25 | $1.42 | $1.11 | ||
| Q1 25 | $1.25 | $1.03 | ||
| Q4 24 | $1.22 | $1.01 | ||
| Q3 24 | $1.33 | $1.03 | ||
| Q2 24 | $1.49 | $0.97 | ||
| Q1 24 | $0.98 | $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 | $5.4B | — |
| 股东权益账面价值 | $7.4B | $65.2B |
| 总资产 | $77.4B | $692.3B |
| 负债/权益比越低杠杆越低 | 0.73× | — |
8季度趋势，按日历期对齐
总债务CMAUSB
| Q4 25 | — | — | ||
| Q3 25 | $5.4B | — | ||
| Q2 25 | $5.8B | — | ||
| Q1 25 | $5.7B | — | ||
| Q4 24 | $6.7B | — | ||
| Q3 24 | $6.8B | — | ||
| Q2 24 | $7.1B | — | ||
| Q1 24 | $7.1B | — |
股东权益CMAUSB
| Q4 25 | — | $65.2B | ||
| Q3 25 | $7.4B | $63.3B | ||
| Q2 25 | $6.9B | $61.4B | ||
| Q1 25 | $7.1B | $60.1B | ||
| Q4 24 | $6.5B | $58.6B | ||
| Q3 24 | $7.4B | $58.9B | ||
| Q2 24 | $6.2B | $56.4B | ||
| Q1 24 | $6.0B | $55.6B |
总资产CMAUSB
| Q4 25 | — | $692.3B | ||
| Q3 25 | $77.4B | $695.4B | ||
| Q2 25 | $78.0B | $686.4B | ||
| Q1 25 | $77.6B | $676.5B | ||
| Q4 24 | $79.3B | $678.3B | ||
| Q3 24 | $79.7B | $686.5B | ||
| Q2 24 | $79.6B | $680.1B | ||
| Q1 24 | $79.4B | $683.6B |
负债/权益比CMAUSB
| Q4 25 | — | — | ||
| Q3 25 | 0.73× | — | ||
| Q2 25 | 0.84× | — | ||
| Q1 25 | 0.81× | — | ||
| Q4 24 | 1.02× | — | ||
| Q3 24 | 0.92× | — | ||
| Q2 24 | 1.15× | — | ||
| Q1 24 | 1.18× | — |
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 | $2.8B |
| 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 | -1.53× | 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CMAUSB
| Q4 25 | — | $2.8B | ||
| Q3 25 | $-270.0M | $3.4B | ||
| Q2 25 | $476.0M | $2.0B | ||
| Q1 25 | $273.0M | $-285.0M | ||
| Q4 24 | $-354.0M | $4.8B | ||
| Q3 24 | $1.0B | $972.0M | ||
| Q2 24 | $111.0M | $2.9B | ||
| Q1 24 | $-205.0M | $2.7B |
现金转化率CMAUSB
| Q4 25 | — | 1.39× | ||
| Q3 25 | -1.53× | 1.69× | ||
| Q2 25 | 2.39× | 1.12× | ||
| Q1 25 | 1.59× | -0.17× | ||
| Q4 24 | -2.08× | 2.87× | ||
| Q3 24 | 5.70× | 0.57× | ||
| Q2 24 | 0.54× | 1.79× | ||
| Q1 24 | -1.49× | 2.02× |
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% |
USB
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