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合众银行（CUBI）与INTERNATIONAL BANCSHARES CORP（IBOC）财务数据对比。点击上方公司名可切换其他公司
合众银行的季度营收约是INTERNATIONAL BANCSHARES CORP的1.1倍（$236.9M vs $217.7M），合众银行同比增速更快（21.8% vs 4.5%），合众银行自由现金流更多（$481.0M vs $472.9M），过去两年合众银行的营收复合增速更高（14.2% vs 2.8%）
合众银行是总部位于美国明尼苏达州明尼阿波利斯、在特拉华州注册的跨国银行机构，2025年位列美国第五大银行，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具有系统重要性。旗下核心运营主体为美国合众银行全国协会，提供银行、投资、按揭等多元金融服务。
国际银行股份公司（International Bancshares Corporation）是总部位于美国得克萨斯州拉雷多的银行控股公司，核心子公司为国际商业银行。目前集团通过旗下银行子公司运营217个营业网点、315台自动柜员机，服务覆盖得克萨斯州、俄克拉荷马州的88个城镇社区。
CUBI vs IBOC — 直观对比
营收规模更大
CUBI
是对方的1.1倍
$217.7M
营收增速更快
CUBI
高出17.3%
4.5%
自由现金流更多
CUBI
多$8.1M
$472.9M
两年增速更快
CUBI
近两年复合增速
2.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $236.9M | $217.7M |
| 净利润 | — | $106.9M |
| 毛利率 | — | — |
| 营业利润率 | 41.1% | 62.8% |
| 净利率 | — | 62.3% |
| 营收同比 | 21.8% | 4.5% |
| 净利润同比 | — | -7.1% |
| 每股收益（稀释后） | $2.04 | $1.71 |
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CUBIIBOC
| Q4 25 | $236.9M | $217.7M | ||
| Q3 25 | $232.1M | $218.1M | ||
| Q2 25 | $206.3M | $208.2M | ||
| Q1 25 | $143.0M | $198.2M | ||
| Q4 24 | $167.8M | $208.3M | ||
| Q3 24 | $167.1M | $211.8M | ||
| Q2 24 | $198.7M | $207.8M | ||
| Q1 24 | $181.6M | $205.8M |
净利润CUBIIBOC
| Q4 25 | — | $106.9M | ||
| Q3 25 | $75.7M | $108.4M | ||
| Q2 25 | $60.9M | $100.1M | ||
| Q1 25 | $12.9M | $96.9M | ||
| Q4 24 | — | $115.1M | ||
| Q3 24 | $46.7M | $99.8M | ||
| Q2 24 | $58.1M | $97.0M | ||
| Q1 24 | $49.7M | $97.3M |
营业利润率CUBIIBOC
| Q4 25 | 41.1% | 62.8% | ||
| Q3 25 | 43.2% | 62.6% | ||
| Q2 25 | 38.2% | 60.5% | ||
| Q1 25 | 8.3% | 61.1% | ||
| Q4 24 | 21.4% | 64.2% | ||
| Q3 24 | 27.5% | 60.0% | ||
| Q2 24 | 38.8% | 60.1% | ||
| Q1 24 | 36.0% | 59.9% |
净利率CUBIIBOC
| Q4 25 | — | 62.3% | ||
| Q3 25 | 32.6% | 49.7% | ||
| Q2 25 | 29.5% | 48.1% | ||
| Q1 25 | 9.0% | 48.9% | ||
| Q4 24 | — | 71.5% | ||
| Q3 24 | 28.0% | 47.1% | ||
| Q2 24 | 29.2% | 46.7% | ||
| Q1 24 | 27.4% | 47.3% |
每股收益（稀释后）CUBIIBOC
| Q4 25 | $2.04 | $1.71 | ||
| Q3 25 | $2.20 | $1.74 | ||
| Q2 25 | $1.73 | $1.61 | ||
| Q1 25 | $0.29 | $1.56 | ||
| Q4 24 | $0.72 | $1.85 | ||
| Q3 24 | $1.31 | $1.60 | ||
| Q2 24 | $1.66 | $1.56 | ||
| Q1 24 | $1.40 | $1.56 |
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 | $4.4B | $5.5B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $2.1B | $3.3B |
| 总资产 | $24.9B | $16.6B |
| 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CUBIIBOC
| Q4 25 | $4.4B | $5.5B | ||
| Q3 25 | $4.2B | $5.6B | ||
| Q2 25 | $3.5B | $5.8B | ||
| Q1 25 | $3.4B | $5.6B | ||
| Q4 24 | $3.8B | $5.4B | ||
| Q3 24 | $3.1B | $5.8B | ||
| Q2 24 | $3.0B | $5.7B | ||
| Q1 24 | $3.7B | $5.7B |
股东权益CUBIIBOC
| Q4 25 | $2.1B | $3.3B | ||
| Q3 25 | $2.1B | $3.1B | ||
| Q2 25 | $1.9B | $3.0B | ||
| Q1 25 | $1.9B | $2.9B | ||
| Q4 24 | $1.8B | $2.8B | ||
| Q3 24 | $1.8B | $2.7B | ||
| Q2 24 | $1.7B | $2.6B | ||
| Q1 24 | $1.7B | $2.5B |
总资产CUBIIBOC
| Q4 25 | $24.9B | $16.6B | ||
| Q3 25 | $24.3B | $16.6B | ||
| Q2 25 | $22.6B | $16.5B | ||
| Q1 25 | $22.4B | $16.3B | ||
| Q4 24 | $22.3B | $15.7B | ||
| Q3 24 | $21.5B | $15.9B | ||
| Q2 24 | $20.9B | $15.5B | ||
| Q1 24 | $21.3B | $15.4B |
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 | $494.8M | $491.1M |
| 自由现金流经营现金流 - 资本支出 | $481.0M | $472.9M |
| 自由现金流率自由现金流/营收 | 203.0% | 217.2% |
| 资本支出强度资本支出/营收 | 5.8% | 8.3% |
| 现金转化率经营现金流/净利润 | — | 4.59× |
| 过去12个月自由现金流最近4个季度 | $843.0M | $809.9M |
8季度趋势，按日历期对齐
经营现金流CUBIIBOC
| Q4 25 | $494.8M | $491.1M | ||
| Q3 25 | $116.9M | $115.2M | ||
| Q2 25 | $162.2M | $95.5M | ||
| Q1 25 | $94.1M | $140.5M | ||
| Q4 24 | $145.1M | $473.9M | ||
| Q3 24 | $24.4M | $116.5M | ||
| Q2 24 | $6.1M | $107.2M | ||
| Q1 24 | $-18.8M | $135.4M |
自由现金流CUBIIBOC
| Q4 25 | $481.0M | $472.9M | ||
| Q3 25 | $106.4M | $112.2M | ||
| Q2 25 | $162.1M | $91.6M | ||
| Q1 25 | $93.4M | $133.1M | ||
| Q4 24 | $143.6M | $459.8M | ||
| Q3 24 | $24.1M | $109.6M | ||
| Q2 24 | $5.8M | $104.9M | ||
| Q1 24 | $-19.2M | $128.9M |
自由现金流率CUBIIBOC
| Q4 25 | 203.0% | 217.2% | ||
| Q3 25 | 45.9% | 51.5% | ||
| Q2 25 | 78.6% | 44.0% | ||
| Q1 25 | 65.4% | 67.1% | ||
| Q4 24 | 85.5% | 220.8% | ||
| Q3 24 | 14.4% | 51.7% | ||
| Q2 24 | 2.9% | 50.5% | ||
| Q1 24 | -10.6% | 62.6% |
资本支出强度CUBIIBOC
| Q4 25 | 5.8% | 8.3% | ||
| Q3 25 | 4.5% | 1.3% | ||
| Q2 25 | 0.0% | 1.9% | ||
| Q1 25 | 0.5% | 3.7% | ||
| Q4 24 | 0.9% | 6.8% | ||
| Q3 24 | 0.2% | 3.3% | ||
| Q2 24 | 0.2% | 1.1% | ||
| Q1 24 | 0.2% | 3.2% |
现金转化率CUBIIBOC
| Q4 25 | — | 4.59× | ||
| Q3 25 | 1.54× | 1.06× | ||
| Q2 25 | 2.66× | 0.95× | ||
| Q1 25 | 7.29× | 1.45× | ||
| Q4 24 | — | 4.12× | ||
| Q3 24 | 0.52× | 1.17× | ||
| Q2 24 | 0.10× | 1.11× | ||
| Q1 24 | -0.38× | 1.39× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
