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合众银行（CUBI）与Ribbon Communications Inc.（RBBN）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Ribbon Communications Inc.的1.5倍（$236.9M vs $162.6M），合众银行同比增速更快（21.8% vs -10.3%），过去两年合众银行的营收复合增速更高（14.2% vs -8.1%）
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。
睿宾通信公司（Ribbon Communications Inc.）主要为电信运营商、企业及关键基础设施领域提供软件、IP与光网络解决方案。公司于2017年由Genband与Sonus Networks合并成立，总部位于美国得克萨斯州普莱诺，是一家上市科技企业。
CUBI vs RBBN — 直观对比
营收规模更大
CUBI
是对方的1.5倍
$162.6M
营收增速更快
CUBI
高出32.1%
-10.3%
两年增速更快
CUBI
近两年复合增速
-8.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $236.9M | $162.6M |
| 净利润 | — | $89.1M |
| 毛利率 | — | 42.9% |
| 营业利润率 | 41.1% | 37.6% |
| 净利率 | — | 54.8% |
| 营收同比 | 21.8% | -10.3% |
| 净利润同比 | — | — |
| 每股收益（稀释后） | $2.04 | $0.50 |
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CUBIRBBN
| Q1 26 | — | $162.6M | ||
| Q4 25 | $236.9M | $227.3M | ||
| Q3 25 | $232.1M | $215.4M | ||
| Q2 25 | $206.3M | $220.6M | ||
| Q1 25 | $143.0M | $181.3M | ||
| Q4 24 | $167.8M | $251.4M | ||
| Q3 24 | $167.1M | $210.2M | ||
| Q2 24 | $198.7M | $192.6M |
净利润CUBIRBBN
| Q1 26 | — | $89.1M | ||
| Q4 25 | — | — | ||
| Q3 25 | $75.7M | $-12.1M | ||
| Q2 25 | $60.9M | $-11.1M | ||
| Q1 25 | $12.9M | $-26.2M | ||
| Q4 24 | — | — | ||
| Q3 24 | $46.7M | $-13.4M | ||
| Q2 24 | $58.1M | $-16.8M |
毛利率CUBIRBBN
| Q1 26 | — | 42.9% | ||
| Q4 25 | — | 53.3% | ||
| Q3 25 | — | 50.1% | ||
| Q2 25 | — | 49.6% | ||
| Q1 25 | — | 45.4% | ||
| Q4 24 | — | 55.7% | ||
| Q3 24 | — | 52.1% | ||
| Q2 24 | — | 50.8% |
营业利润率CUBIRBBN
| Q1 26 | — | 37.6% | ||
| Q4 25 | 41.1% | 4.1% | ||
| Q3 25 | 43.2% | 1.3% | ||
| Q2 25 | 38.2% | 1.9% | ||
| Q1 25 | 8.3% | -10.8% | ||
| Q4 24 | 21.4% | 13.2% | ||
| Q3 24 | 27.5% | -0.4% | ||
| Q2 24 | 38.8% | -1.0% |
净利率CUBIRBBN
| Q1 26 | — | 54.8% | ||
| Q4 25 | — | — | ||
| Q3 25 | 32.6% | -5.6% | ||
| Q2 25 | 29.5% | -5.0% | ||
| Q1 25 | 9.0% | -14.5% | ||
| Q4 24 | — | — | ||
| Q3 24 | 28.0% | -6.4% | ||
| Q2 24 | 29.2% | -8.7% |
每股收益（稀释后）CUBIRBBN
| Q1 26 | — | $0.50 | ||
| Q4 25 | $2.04 | $0.50 | ||
| Q3 25 | $2.20 | $-0.07 | ||
| Q2 25 | $1.73 | $-0.06 | ||
| Q1 25 | $0.29 | $-0.15 | ||
| Q4 24 | $0.72 | $0.05 | ||
| Q3 24 | $1.31 | $-0.08 | ||
| Q2 24 | $1.66 | $-0.10 |
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 | $67.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $2.1B | $419.1M |
| 总资产 | $24.9B | — |
| 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CUBIRBBN
| Q1 26 | — | $67.6M | ||
| Q4 25 | $4.4B | $96.4M | ||
| Q3 25 | $4.2B | $74.8M | ||
| Q2 25 | $3.5B | $60.5M | ||
| Q1 25 | $3.4B | $71.2M | ||
| Q4 24 | $3.8B | $87.8M | ||
| Q3 24 | $3.1B | $37.2M | ||
| Q2 24 | $3.0B | $64.6M |
总债务CUBIRBBN
| Q1 26 | — | — | ||
| Q4 25 | — | $342.1M | ||
| Q3 25 | — | $344.3M | ||
| Q2 25 | — | $346.5M | ||
| Q1 25 | — | $347.4M | ||
| Q4 24 | — | $348.3M | ||
| Q3 24 | — | $349.1M | ||
| Q2 24 | — | $350.0M |
股东权益CUBIRBBN
| Q1 26 | — | $419.1M | ||
| Q4 25 | $2.1B | $449.0M | ||
| Q3 25 | $2.1B | $360.1M | ||
| Q2 25 | $1.9B | $370.4M | ||
| Q1 25 | $1.9B | $381.8M | ||
| Q4 24 | $1.8B | $404.6M | ||
| Q3 24 | $1.8B | $395.5M | ||
| Q2 24 | $1.7B | $405.0M |
总资产CUBIRBBN
| Q1 26 | — | — | ||
| Q4 25 | $24.9B | $1.2B | ||
| Q3 25 | $24.3B | $1.1B | ||
| Q2 25 | $22.6B | $1.1B | ||
| Q1 25 | $22.4B | $1.1B | ||
| Q4 24 | $22.3B | $1.2B | ||
| Q3 24 | $21.5B | $1.1B | ||
| Q2 24 | $20.9B | $1.1B |
负债/权益比CUBIRBBN
| Q1 26 | — | — | ||
| Q4 25 | — | 0.76× | ||
| Q3 25 | — | 0.96× | ||
| Q2 25 | — | 0.94× | ||
| Q1 25 | — | 0.91× | ||
| Q4 24 | — | 0.86× | ||
| Q3 24 | — | 0.88× | ||
| Q2 24 | — | 0.86× |
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 | — |
| 自由现金流经营现金流 - 资本支出 | $481.0M | — |
| 自由现金流率自由现金流/营收 | 203.0% | — |
| 资本支出强度资本支出/营收 | 5.8% | — |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | $843.0M | — |
8季度趋势，按日历期对齐
经营现金流CUBIRBBN
| Q1 26 | — | — | ||
| Q4 25 | $494.8M | $29.2M | ||
| Q3 25 | $116.9M | $26.5M | ||
| Q2 25 | $162.2M | $-795.0K | ||
| Q1 25 | $94.1M | $-3.5M | ||
| Q4 24 | $145.1M | $61.8M | ||
| Q3 24 | $24.4M | $-14.8M | ||
| Q2 24 | $6.1M | $-9.8M |
自由现金流CUBIRBBN
| Q1 26 | — | — | ||
| Q4 25 | $481.0M | $27.3M | ||
| Q3 25 | $106.4M | $21.0M | ||
| Q2 25 | $162.1M | $-6.5M | ||
| Q1 25 | $93.4M | $-15.7M | ||
| Q4 24 | $143.6M | $53.8M | ||
| Q3 24 | $24.1M | $-23.7M | ||
| Q2 24 | $5.8M | $-12.9M |
自由现金流率CUBIRBBN
| Q1 26 | — | — | ||
| Q4 25 | 203.0% | 12.0% | ||
| Q3 25 | 45.9% | 9.7% | ||
| Q2 25 | 78.6% | -2.9% | ||
| Q1 25 | 65.4% | -8.7% | ||
| Q4 24 | 85.5% | 21.4% | ||
| Q3 24 | 14.4% | -11.3% | ||
| Q2 24 | 2.9% | -6.7% |
资本支出强度CUBIRBBN
| Q1 26 | — | — | ||
| Q4 25 | 5.8% | 0.9% | ||
| Q3 25 | 4.5% | 2.6% | ||
| Q2 25 | 0.0% | 2.6% | ||
| Q1 25 | 0.5% | 6.7% | ||
| Q4 24 | 0.9% | 3.2% | ||
| Q3 24 | 0.2% | 4.2% | ||
| Q2 24 | 0.2% | 1.6% |
现金转化率CUBIRBBN
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 1.54× | — | ||
| Q2 25 | 2.66× | — | ||
| Q1 25 | 7.29× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.52× | — | ||
| Q2 24 | 0.10× | — |
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
CUBI
暂无分部数据
RBBN
| Service | $94.5M | 58% |
| Product | $68.1M | 42% |
