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COLUMBIA BANKING SYSTEM, INC.（COLB）与FIRST CITIZENS BANCSHARES INC（FCNCA）财务数据对比。点击上方公司名可切换其他公司
FIRST CITIZENS BANCSHARES INC的季度营收约是COLUMBIA BANKING SYSTEM, INC.的1.5倍（$1.1B vs $716.7M），FIRST CITIZENS BANCSHARES INC净利率更高（49.1% vs 30.0%，领先19.1%），COLUMBIA BANKING SYSTEM, INC.同比增速更快（47.1% vs 3.5%），过去两年COLUMBIA BANKING SYSTEM, INC.的营收复合增速更高（23.0% vs -33.5%）
昂普夸控股公司（运营品牌为昂普夸银行）是总部位于美国俄勒冈州波特兰市中心的金融控股企业，总部设在昂普夸银行广场，该处原为本杰明·富兰克林储蓄贷款协会总部，旗下拥有昂普夸银行、昂普夸投资两大核心运营子公司。
第一公民银行控股公司是美国本土银行控股企业，总部位于罗德岛州普罗维登斯，旗下拥有国民公民银行，业务覆盖美国康涅狄格、特拉华、佛罗里达、马里兰、马萨诸塞、密歇根、新罕布什尔、新泽西、纽约、俄亥俄、宾夕法尼亚、罗德岛、佛蒙特、弗吉尼亚等14个州及华盛顿哥伦比亚特区。
COLB vs FCNCA — 直观对比
营收规模更大
FCNCA
是对方的1.5倍
$716.7M
营收增速更快
COLB
高出43.7%
3.5%
净利率更高
FCNCA
高出19.1%
30.0%
两年增速更快
COLB
近两年复合增速
-33.5%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $716.7M | $1.1B |
| 净利润 | $215.0M | $534.0M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 30.0% | 49.1% |
| 营收同比 | 47.1% | 3.5% |
| 净利润同比 | 50.3% | 10.6% |
| 每股收益（稀释后） | $0.76 | $42.63 |
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COLBFCNCA
| Q1 26 | — | $1.1B | ||
| Q4 25 | $716.7M | $2.4B | ||
| Q3 25 | $582.0M | $2.4B | ||
| Q2 25 | $510.9M | $2.4B | ||
| Q1 25 | $491.4M | $2.3B | ||
| Q4 24 | $487.1M | $2.4B | ||
| Q3 24 | $496.0M | $2.4B | ||
| Q2 24 | $472.2M | $2.5B |
净利润COLBFCNCA
| Q1 26 | — | $534.0M | ||
| Q4 25 | $215.0M | $580.0M | ||
| Q3 25 | $96.0M | $568.0M | ||
| Q2 25 | $152.0M | $575.0M | ||
| Q1 25 | $87.0M | $483.0M | ||
| Q4 24 | $143.0M | $700.0M | ||
| Q3 24 | $146.0M | $639.0M | ||
| Q2 24 | $121.0M | $707.0M |
营业利润率COLBFCNCA
| Q1 26 | — | — | ||
| Q4 25 | — | 33.3% | ||
| Q3 25 | — | 30.9% | ||
| Q2 25 | — | 31.9% | ||
| Q1 25 | — | 28.3% | ||
| Q4 24 | — | 30.6% | ||
| Q3 24 | — | 35.7% | ||
| Q2 24 | — | 39.8% |
净利率COLBFCNCA
| Q1 26 | — | 49.1% | ||
| Q4 25 | 30.0% | 23.8% | ||
| Q3 25 | 16.5% | 23.3% | ||
| Q2 25 | 29.8% | 24.2% | ||
| Q1 25 | 17.7% | 21.0% | ||
| Q4 24 | 29.4% | 29.1% | ||
| Q3 24 | 29.4% | 26.1% | ||
| Q2 24 | 25.6% | 28.7% |
每股收益（稀释后）COLBFCNCA
| Q1 26 | — | $42.63 | ||
| Q4 25 | $0.76 | $45.33 | ||
| Q3 25 | $0.40 | $43.08 | ||
| Q2 25 | $0.73 | $42.36 | ||
| Q1 25 | $0.41 | $34.47 | ||
| Q4 24 | $0.69 | $49.19 | ||
| Q3 24 | $0.70 | $43.42 | ||
| Q2 24 | $0.57 | $47.54 |
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 | $2.4B | — |
| 总债务越低越好 | — | $34.0B |
| 股东权益账面价值 | $7.8B | $22.0B |
| 总资产 | $66.8B | $236.0B |
| 负债/权益比越低杠杆越低 | — | 1.54× |
8季度趋势，按日历期对齐
现金及短期投资COLBFCNCA
| Q1 26 | — | — | ||
| Q4 25 | $2.4B | — | ||
| Q3 25 | $2.3B | — | ||
| Q2 25 | $1.9B | — | ||
| Q1 25 | $2.1B | — | ||
| Q4 24 | $1.9B | — | ||
| Q3 24 | $2.1B | — | ||
| Q2 24 | $2.1B | — |
总债务COLBFCNCA
| Q1 26 | — | $34.0B | ||
| Q4 25 | — | $35.8B | ||
| Q3 25 | — | $38.3B | ||
| Q2 25 | — | $37.6B | ||
| Q1 25 | — | $38.0B | ||
| Q4 24 | — | $36.7B | ||
| Q3 24 | — | $36.8B | ||
| Q2 24 | — | $37.1B |
股东权益COLBFCNCA
| Q1 26 | — | $22.0B | ||
| Q4 25 | $7.8B | $22.2B | ||
| Q3 25 | $7.8B | $22.0B | ||
| Q2 25 | $5.3B | $22.3B | ||
| Q1 25 | $5.2B | $22.3B | ||
| Q4 24 | $5.1B | $22.2B | ||
| Q3 24 | $5.3B | $22.8B | ||
| Q2 24 | $5.0B | $22.5B |
总资产COLBFCNCA
| Q1 26 | — | $236.0B | ||
| Q4 25 | $66.8B | $229.7B | ||
| Q3 25 | $67.5B | $233.5B | ||
| Q2 25 | $51.9B | $229.7B | ||
| Q1 25 | $51.5B | $228.8B | ||
| Q4 24 | $51.6B | $223.7B | ||
| Q3 24 | $51.9B | $220.6B | ||
| Q2 24 | $52.0B | $219.8B |
负债/权益比COLBFCNCA
| Q1 26 | — | 1.54× | ||
| Q4 25 | — | 1.61× | ||
| Q3 25 | — | 1.74× | ||
| Q2 25 | — | 1.69× | ||
| Q1 25 | — | 1.70× | ||
| Q4 24 | — | 1.65× | ||
| Q3 24 | — | 1.61× | ||
| Q2 24 | — | 1.65× |
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 | $746.0M | — |
| 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 | 3.47× | — |
| 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COLBFCNCA
| Q1 26 | — | — | ||
| Q4 25 | $746.0M | $1.1B | ||
| Q3 25 | $236.2M | $916.0M | ||
| Q2 25 | $106.8M | $859.0M | ||
| Q1 25 | $122.0M | $98.0M | ||
| Q4 24 | $659.0M | $1.1B | ||
| Q3 24 | $67.2M | $991.0M | ||
| Q2 24 | $150.3M | $417.0M |
自由现金流COLBFCNCA
| Q1 26 | — | — | ||
| Q4 25 | — | $807.0M | ||
| Q3 25 | — | $678.0M | ||
| Q2 25 | — | $733.0M | ||
| Q1 25 | — | $-5.0M | ||
| Q4 24 | — | $991.0M | ||
| Q3 24 | — | $885.0M | ||
| Q2 24 | — | $316.0M |
自由现金流率COLBFCNCA
| Q1 26 | — | — | ||
| Q4 25 | — | 33.1% | ||
| Q3 25 | — | 27.9% | ||
| Q2 25 | — | 30.9% | ||
| Q1 25 | — | -0.2% | ||
| Q4 24 | — | 41.2% | ||
| Q3 24 | — | 36.2% | ||
| Q2 24 | — | 12.8% |
资本支出强度COLBFCNCA
| Q1 26 | — | — | ||
| Q4 25 | — | 10.0% | ||
| Q3 25 | — | 9.8% | ||
| Q2 25 | — | 5.3% | ||
| Q1 25 | — | 4.5% | ||
| Q4 24 | — | 5.3% | ||
| Q3 24 | — | 4.3% | ||
| Q2 24 | — | 4.1% |
现金转化率COLBFCNCA
| Q1 26 | — | — | ||
| Q4 25 | 3.47× | 1.81× | ||
| Q3 25 | 2.46× | 1.61× | ||
| Q2 25 | 0.70× | 1.49× | ||
| Q1 25 | 1.40× | 0.20× | ||
| Q4 24 | 4.61× | 1.60× | ||
| Q3 24 | 0.46× | 1.55× | ||
| Q2 24 | 1.24× | 0.59× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
