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COLUMBIA BANKING SYSTEM, INC.（COLB）与WINTRUST FINANCIAL CORP（WTFC）财务数据对比。点击上方公司名可切换其他公司
COLUMBIA BANKING SYSTEM, INC.的季度营收约是WINTRUST FINANCIAL CORP的1.0倍（$716.7M vs $713.2M），WINTRUST FINANCIAL CORP净利率更高（31.9% vs 30.0%，领先1.9%），COLUMBIA BANKING SYSTEM, INC.同比增速更快（47.1% vs 10.9%），过去两年COLUMBIA BANKING SYSTEM, INC.的营收复合增速更高（23.0% vs 9.8%）
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。
Wintrust Financial是美国本土金融控股公司，在伊利诺伊州北部及威斯康星州南部运营15家特许社区银行，属于美国中型银行机构，是芝加哥第二大银行企业，于纳斯达克全球精选市场上市，股票代码为WTFC。
COLB vs WTFC — 直观对比
营收规模更大
COLB
是对方的1.0倍
$713.2M
营收增速更快
COLB
高出36.2%
10.9%
净利率更高
WTFC
高出1.9%
30.0%
两年增速更快
COLB
近两年复合增速
9.8%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $716.7M | $713.2M |
| 净利润 | $215.0M | $227.4M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 30.0% | 31.9% |
| 营收同比 | 47.1% | 10.9% |
| 净利润同比 | 50.3% | 2.0% |
| 每股收益（稀释后） | $0.76 | $3.22 |
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COLBWTFC
| Q1 26 | — | $713.2M | ||
| Q4 25 | $716.7M | $714.3M | ||
| Q3 25 | $582.0M | $697.8M | ||
| Q2 25 | $510.9M | $670.8M | ||
| Q1 25 | $491.4M | $643.1M | ||
| Q4 24 | $487.1M | $638.6M | ||
| Q3 24 | $496.0M | $615.7M | ||
| Q2 24 | $472.2M | $591.8M |
净利润COLBWTFC
| Q1 26 | — | $227.4M | ||
| Q4 25 | $215.0M | — | ||
| Q3 25 | $96.0M | $216.3M | ||
| Q2 25 | $152.0M | $195.5M | ||
| Q1 25 | $87.0M | $189.0M | ||
| Q4 24 | $143.0M | — | ||
| Q3 24 | $146.0M | $170.0M | ||
| Q2 24 | $121.0M | $152.4M |
营业利润率COLBWTFC
| Q1 26 | — | — | ||
| Q4 25 | — | 42.3% | ||
| Q3 25 | — | 42.4% | ||
| Q2 25 | — | 39.8% | ||
| Q1 25 | — | 39.3% | ||
| Q4 24 | — | 39.6% | ||
| Q3 24 | — | 37.8% | ||
| Q2 24 | — | 35.7% |
净利率COLBWTFC
| Q1 26 | — | 31.9% | ||
| Q4 25 | 30.0% | — | ||
| Q3 25 | 16.5% | 31.0% | ||
| Q2 25 | 29.8% | 29.1% | ||
| Q1 25 | 17.7% | 29.4% | ||
| Q4 24 | 29.4% | — | ||
| Q3 24 | 29.4% | 27.6% | ||
| Q2 24 | 25.6% | 25.8% |
每股收益（稀释后）COLBWTFC
| Q1 26 | — | $3.22 | ||
| Q4 25 | $0.76 | $3.15 | ||
| Q3 25 | $0.40 | $2.78 | ||
| Q2 25 | $0.73 | $2.78 | ||
| Q1 25 | $0.41 | $2.69 | ||
| Q4 24 | $0.69 | $2.63 | ||
| Q3 24 | $0.70 | $2.47 | ||
| Q2 24 | $0.57 | $2.32 |
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 | — | — |
| 股东权益账面价值 | $7.8B | $7.4B |
| 总资产 | $66.8B | $72.2B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资COLBWTFC
| 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 | — |
股东权益COLBWTFC
| Q1 26 | — | $7.4B | ||
| Q4 25 | $7.8B | $7.3B | ||
| Q3 25 | $7.8B | $7.0B | ||
| Q2 25 | $5.3B | $7.2B | ||
| Q1 25 | $5.2B | $6.6B | ||
| Q4 24 | $5.1B | $6.3B | ||
| Q3 24 | $5.3B | $6.4B | ||
| Q2 24 | $5.0B | $5.5B |
总资产COLBWTFC
| Q1 26 | — | $72.2B | ||
| Q4 25 | $66.8B | $71.1B | ||
| Q3 25 | $67.5B | $69.6B | ||
| Q2 25 | $51.9B | $69.0B | ||
| Q1 25 | $51.5B | $65.9B | ||
| Q4 24 | $51.6B | $64.9B | ||
| Q3 24 | $51.9B | $63.8B | ||
| Q2 24 | $52.0B | $59.8B |
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COLBWTFC
| Q1 26 | — | — | ||
| Q4 25 | $746.0M | $910.3M | ||
| Q3 25 | $236.2M | $209.8M | ||
| Q2 25 | $106.8M | $329.2M | ||
| Q1 25 | $122.0M | $119.8M | ||
| Q4 24 | $659.0M | $721.6M | ||
| Q3 24 | $67.2M | $-61.6M | ||
| Q2 24 | $150.3M | $221.2M |
自由现金流COLBWTFC
| Q1 26 | — | — | ||
| Q4 25 | — | $860.4M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $635.5M | ||
| Q3 24 | — | $-78.3M | ||
| Q2 24 | — | $182.1M |
自由现金流率COLBWTFC
| Q1 26 | — | — | ||
| Q4 25 | — | 120.5% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 99.5% | ||
| Q3 24 | — | -12.7% | ||
| Q2 24 | — | 30.8% |
资本支出强度COLBWTFC
| Q1 26 | — | — | ||
| Q4 25 | — | 7.0% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 13.5% | ||
| Q3 24 | — | 2.7% | ||
| Q2 24 | — | 6.6% |
现金转化率COLBWTFC
| Q1 26 | — | — | ||
| Q4 25 | 3.47× | — | ||
| Q3 25 | 2.46× | 0.97× | ||
| Q2 25 | 0.70× | 1.68× | ||
| Q1 25 | 1.40× | 0.63× | ||
| Q4 24 | 4.61× | — | ||
| Q3 24 | 0.46× | -0.36× | ||
| Q2 24 | 1.24× | 1.45× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
