vs
COMERICA INC（CMA）与ZIONS BANCORPORATION, NATIONAL ASSOCIATION（ZION）财务数据对比。点击上方公司名可切换其他公司
ZIONS BANCORPORATION, NATIONAL ASSOCIATION的季度营收约是COMERICA INC的1.1倍（$891.0M vs $838.0M），ZIONS BANCORPORATION, NATIONAL ASSOCIATION净利率更高（29.5% vs 21.0%，领先8.5%），ZIONS BANCORPORATION, NATIONAL ASSOCIATION同比增速更快（8.7% vs 3.3%），过去两年COMERICA INC的营收复合增速更高（108.9% vs 9.6%）
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。
Zions Bancorporation是总部位于美国犹他州盐湖城的全国性银行，并非银行控股公司。旗下共运营七大银行品牌，包括Zions银行、德州Amegy银行、加州信托银行、亚利桑那国家银行、内华达州立银行、科罗拉多Vectra银行及华盛顿商业银行，业务覆盖美国多地。
CMA vs ZION — 直观对比
营收规模更大
ZION
是对方的1.1倍
$838.0M
营收增速更快
ZION
高出5.3%
3.3%
净利率更高
ZION
高出8.5%
21.0%
两年增速更快
CMA
近两年复合增速
9.6%
损益表 — Q3 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $838.0M | $891.0M |
| 净利润 | $176.0M | $263.0M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 21.0% | 29.5% |
| 营收同比 | 3.3% | 8.7% |
| 净利润同比 | -4.3% | 21.8% |
| 每股收益（稀释后） | $1.35 | $1.77 |
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CMAZION
| Q4 25 | — | $891.0M | ||
| Q3 25 | $838.0M | $861.0M | ||
| Q2 25 | $849.0M | $838.0M | ||
| Q1 25 | $829.0M | $795.0M | ||
| Q4 24 | $825.0M | $820.0M | ||
| Q3 24 | $811.0M | $792.0M | ||
| Q2 24 | $824.0M | $777.0M | ||
| Q1 24 | $784.0M | $742.0M |
净利润CMAZION
| Q4 25 | — | $263.0M | ||
| Q3 25 | $176.0M | $222.0M | ||
| Q2 25 | $199.0M | $244.0M | ||
| Q1 25 | $172.0M | $170.0M | ||
| Q4 24 | $170.0M | $216.0M | ||
| Q3 24 | $184.0M | $214.0M | ||
| Q2 24 | $206.0M | $201.0M | ||
| Q1 24 | $138.0M | $153.0M |
净利率CMAZION
| Q4 25 | — | 29.5% | ||
| Q3 25 | 21.0% | 25.8% | ||
| Q2 25 | 23.4% | 29.1% | ||
| Q1 25 | 20.7% | 21.4% | ||
| Q4 24 | 20.6% | 26.3% | ||
| Q3 24 | 22.7% | 27.0% | ||
| Q2 24 | 25.0% | 25.9% | ||
| Q1 24 | 17.6% | 20.6% |
每股收益（稀释后）CMAZION
| Q4 25 | — | $1.77 | ||
| Q3 25 | $1.35 | $1.48 | ||
| Q2 25 | $1.42 | $1.63 | ||
| Q1 25 | $1.25 | $1.13 | ||
| Q4 24 | $1.22 | $1.34 | ||
| Q3 24 | $1.33 | $1.37 | ||
| Q2 24 | $1.49 | $1.28 | ||
| Q1 24 | $0.98 | $0.96 |
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 | $1.5B |
| 股东权益账面价值 | $7.4B | $7.2B |
| 总资产 | $77.4B | $89.0B |
| 负债/权益比越低杠杆越低 | 0.73× | 0.21× |
8季度趋势，按日历期对齐
总债务CMAZION
| Q4 25 | — | $1.5B | ||
| Q3 25 | $5.4B | $1.5B | ||
| Q2 25 | $5.8B | $970.0M | ||
| Q1 25 | $5.7B | $964.0M | ||
| Q4 24 | $6.7B | $950.0M | ||
| Q3 24 | $6.8B | $548.0M | ||
| Q2 24 | $7.1B | $546.0M | ||
| Q1 24 | $7.1B | $544.0M |
股东权益CMAZION
| Q4 25 | — | $7.2B | ||
| Q3 25 | $7.4B | $6.9B | ||
| Q2 25 | $6.9B | $6.6B | ||
| Q1 25 | $7.1B | $6.3B | ||
| Q4 24 | $6.5B | $6.1B | ||
| Q3 24 | $7.4B | $6.4B | ||
| Q2 24 | $6.2B | $6.0B | ||
| Q1 24 | $6.0B | $5.8B |
总资产CMAZION
| Q4 25 | — | $89.0B | ||
| Q3 25 | $77.4B | $88.5B | ||
| Q2 25 | $78.0B | $88.9B | ||
| Q1 25 | $77.6B | $88.0B | ||
| Q4 24 | $79.3B | $88.8B | ||
| Q3 24 | $79.7B | $87.0B | ||
| Q2 24 | $79.6B | $87.6B | ||
| Q1 24 | $79.4B | $87.1B |
负债/权益比CMAZION
| Q4 25 | — | 0.21× | ||
| Q3 25 | 0.73× | 0.21× | ||
| Q2 25 | 0.84× | 0.15× | ||
| Q1 25 | 0.81× | 0.15× | ||
| Q4 24 | 1.02× | 0.16× | ||
| Q3 24 | 0.92× | 0.09× | ||
| Q2 24 | 1.15× | 0.09× | ||
| Q1 24 | 1.18× | 0.09× |
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 | $1.1B |
| 自由现金流经营现金流 - 资本支出 | — | $952.0M |
| 自由现金流率自由现金流/营收 | — | 106.8% |
| 资本支出强度资本支出/营收 | — | 13.6% |
| 现金转化率经营现金流/净利润 | -1.53× | 4.08× |
| 过去12个月自由现金流最近4个季度 | — | $1.4B |
8季度趋势，按日历期对齐
经营现金流CMAZION
| Q4 25 | — | $1.1B | ||
| Q3 25 | $-270.0M | $438.0M | ||
| Q2 25 | $476.0M | $-62.0M | ||
| Q1 25 | $273.0M | $179.0M | ||
| Q4 24 | $601.0M | $1.1B | ||
| Q3 24 | $1.0B | $119.0M | ||
| Q2 24 | $111.0M | $251.0M | ||
| Q1 24 | $-205.0M | $261.0M |
自由现金流CMAZION
| Q4 25 | — | $952.0M | ||
| Q3 25 | — | $413.0M | ||
| Q2 25 | — | $-93.0M | ||
| Q1 25 | — | $152.0M | ||
| Q4 24 | — | $1.1B | ||
| Q3 24 | — | $97.0M | ||
| Q2 24 | — | $234.0M | ||
| Q1 24 | — | $231.0M |
自由现金流率CMAZION
| Q4 25 | — | 106.8% | ||
| Q3 25 | — | 48.0% | ||
| Q2 25 | — | -11.1% | ||
| Q1 25 | — | 19.1% | ||
| Q4 24 | — | 128.2% | ||
| Q3 24 | — | 12.2% | ||
| Q2 24 | — | 30.1% | ||
| Q1 24 | — | 31.1% |
资本支出强度CMAZION
| Q4 25 | — | 13.6% | ||
| Q3 25 | — | 2.9% | ||
| Q2 25 | — | 3.7% | ||
| Q1 25 | — | 3.4% | ||
| Q4 24 | — | 11.8% | ||
| Q3 24 | — | 2.8% | ||
| Q2 24 | — | 2.2% | ||
| Q1 24 | — | 4.0% |
现金转化率CMAZION
| Q4 25 | — | 4.08× | ||
| Q3 25 | -1.53× | 1.97× | ||
| Q2 25 | 2.39× | -0.25× | ||
| Q1 25 | 1.59× | 1.05× | ||
| Q4 24 | 3.54× | 5.31× | ||
| Q3 24 | 5.70× | 0.56× | ||
| Q2 24 | 0.54× | 1.25× | ||
| Q1 24 | -1.49× | 1.71× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
