vs
华美银行集团（EWBC）与富邦金控（FBK）财务数据对比。点击上方公司名可切换其他公司
华美银行集团的季度营收约是富邦金控的4.3倍（$775.0M vs $178.6M），华美银行集团净利率更高（46.2% vs 31.9%，领先14.3%），富邦金控同比增速更快（37.0% vs 2.1%），过去两年富邦金控的营收复合增速更高（28.9% vs 18.4%）
华美银行集团旗下核心子公司为华美银行，是总部位于美国南加州的最大上市银行控股集团。集团资产规模超100亿美元，曾获评标普全球市场财智全美最佳银行，自2023年起连续三年位列《银行董事》杂志同资产规模银行绩效榜单首位。
富邦金融控股股份有限公司是一家金融投资控股企业，旗下核心子公司涵盖富邦投信、富邦产险、富邦证券、富邦银行、富邦人寿、富邦华一银行及富邦银行（香港）等，集团于2001年12月19日正式成立，可为客户提供覆盖全业态的综合金融服务。
EWBC vs FBK — 直观对比
营收规模更大
EWBC
是对方的4.3倍
$178.6M
营收增速更快
FBK
高出34.9%
2.1%
净利率更高
EWBC
高出14.3%
31.9%
两年增速更快
FBK
近两年复合增速
18.4%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $775.0M | $178.6M |
| 净利润 | $358.0M | $57.0M |
| 毛利率 | — | — |
| 营业利润率 | — | 39.1% |
| 净利率 | 46.2% | 31.9% |
| 营收同比 | 2.1% | 37.0% |
| 净利润同比 | 0.4% | 50.4% |
| 每股收益（稀释后） | $2.57 | $1.12 |
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EWBCFBK
| Q1 26 | $775.0M | — | ||
| Q4 25 | $657.8M | $178.6M | ||
| Q3 25 | $677.5M | $173.9M | ||
| Q2 25 | $617.1M | $76.9M | ||
| Q1 25 | $600.2M | $130.7M | ||
| Q4 24 | $587.6M | $130.4M | ||
| Q3 24 | $572.7M | $89.5M | ||
| Q2 24 | $553.2M | $128.2M |
净利润EWBCFBK
| Q1 26 | $358.0M | — | ||
| Q4 25 | $356.3M | $57.0M | ||
| Q3 25 | $368.4M | $23.4M | ||
| Q2 25 | $310.3M | $2.9M | ||
| Q1 25 | $290.3M | $39.4M | ||
| Q4 24 | $293.1M | $37.9M | ||
| Q3 24 | $299.2M | $10.2M | ||
| Q2 24 | $288.2M | $40.0M |
营业利润率EWBCFBK
| Q1 26 | — | — | ||
| Q4 25 | 71.0% | 39.1% | ||
| Q3 25 | 68.6% | 17.0% | ||
| Q2 25 | 65.2% | -12.7% | ||
| Q1 25 | 65.2% | 37.4% | ||
| Q4 24 | 60.6% | 38.4% | ||
| Q3 24 | 68.0% | 12.7% | ||
| Q2 24 | 65.9% | 39.7% |
净利率EWBCFBK
| Q1 26 | 46.2% | — | ||
| Q4 25 | 54.2% | 31.9% | ||
| Q3 25 | 54.4% | 13.4% | ||
| Q2 25 | 50.3% | 3.8% | ||
| Q1 25 | 48.4% | 30.1% | ||
| Q4 24 | 49.9% | 29.1% | ||
| Q3 24 | 52.2% | 11.4% | ||
| Q2 24 | 52.1% | 31.2% |
每股收益（稀释后）EWBCFBK
| Q1 26 | $2.57 | — | ||
| Q4 25 | $2.55 | $1.12 | ||
| Q3 25 | $2.65 | $0.43 | ||
| Q2 25 | $2.24 | $0.06 | ||
| Q1 25 | $2.08 | $0.84 | ||
| Q4 24 | $2.10 | $0.82 | ||
| Q3 24 | $2.14 | $0.22 | ||
| Q2 24 | $2.06 | $0.85 |
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 | — | $1.2B |
| 总债务越低越好 | — | $212.8M |
| 股东权益账面价值 | $9.0B | $1.9B |
| 总资产 | $82.9B | $16.3B |
| 负债/权益比越低杠杆越低 | — | 0.11× |
8季度趋势，按日历期对齐
现金及短期投资EWBCFBK
| Q1 26 | — | — | ||
| Q4 25 | $4.2B | $1.2B | ||
| Q3 25 | $4.7B | $1.3B | ||
| Q2 25 | $4.4B | $1.2B | ||
| Q1 25 | $3.4B | $794.7M | ||
| Q4 24 | $5.3B | $1.0B | ||
| Q3 24 | $4.9B | $951.8M | ||
| Q2 24 | $4.4B | $800.9M |
总债务EWBCFBK
| Q1 26 | — | — | ||
| Q4 25 | $35.6M | $212.8M | ||
| Q3 25 | $35.7M | $213.6M | ||
| Q2 25 | $35.8M | — | ||
| Q1 25 | $35.9M | — | ||
| Q4 24 | $36.0M | $176.8M | ||
| Q3 24 | $36.1M | — | ||
| Q2 24 | $36.1M | — |
股东权益EWBCFBK
| Q1 26 | $9.0B | — | ||
| Q4 25 | $8.9B | $1.9B | ||
| Q3 25 | $8.6B | $2.0B | ||
| Q2 25 | $8.2B | $1.6B | ||
| Q1 25 | $7.9B | $1.6B | ||
| Q4 24 | $7.7B | $1.6B | ||
| Q3 24 | $7.7B | $1.6B | ||
| Q2 24 | $7.2B | $1.5B |
总资产EWBCFBK
| Q1 26 | $82.9B | — | ||
| Q4 25 | $80.4B | $16.3B | ||
| Q3 25 | $79.7B | $16.2B | ||
| Q2 25 | $78.2B | $13.4B | ||
| Q1 25 | $76.2B | $13.1B | ||
| Q4 24 | $76.0B | $13.2B | ||
| Q3 24 | $74.5B | $12.9B | ||
| Q2 24 | $72.5B | $12.5B |
负债/权益比EWBCFBK
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | 0.11× | ||
| Q3 25 | 0.00× | 0.11× | ||
| Q2 25 | 0.00× | — | ||
| Q1 25 | 0.00× | — | ||
| Q4 24 | 0.00× | 0.11× | ||
| Q3 24 | 0.00× | — | ||
| Q2 24 | 0.01× | — |
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 | — | $155.9M |
| 自由现金流经营现金流 - 资本支出 | — | $147.0M |
| 自由现金流率自由现金流/营收 | — | 82.3% |
| 资本支出强度资本支出/营收 | — | 5.0% |
| 现金转化率经营现金流/净利润 | — | 2.74× |
| 过去12个月自由现金流最近4个季度 | — | $242.8M |
8季度趋势，按日历期对齐
经营现金流EWBCFBK
| Q1 26 | — | — | ||
| Q4 25 | $713.4M | $155.9M | ||
| Q3 25 | $231.7M | $47.7M | ||
| Q2 25 | $278.7M | $71.8M | ||
| Q1 25 | $277.9M | $-16.5M | ||
| Q4 24 | $500.1M | $138.8M | ||
| Q3 24 | $386.1M | $57.8M | ||
| Q2 24 | $259.2M | $30.6M |
自由现金流EWBCFBK
| Q1 26 | — | — | ||
| Q4 25 | — | $147.0M | ||
| Q3 25 | — | $45.6M | ||
| Q2 25 | — | $68.4M | ||
| Q1 25 | — | $-18.1M | ||
| Q4 24 | — | $132.3M | ||
| Q3 24 | — | $56.7M | ||
| Q2 24 | — | $28.4M |
自由现金流率EWBCFBK
| Q1 26 | — | — | ||
| Q4 25 | — | 82.3% | ||
| Q3 25 | — | 26.2% | ||
| Q2 25 | — | 89.0% | ||
| Q1 25 | — | -13.9% | ||
| Q4 24 | — | 101.4% | ||
| Q3 24 | — | 63.3% | ||
| Q2 24 | — | 22.1% |
资本支出强度EWBCFBK
| Q1 26 | — | — | ||
| Q4 25 | — | 5.0% | ||
| Q3 25 | — | 1.2% | ||
| Q2 25 | — | 4.4% | ||
| Q1 25 | — | 1.3% | ||
| Q4 24 | — | 5.0% | ||
| Q3 24 | — | 1.2% | ||
| Q2 24 | — | 1.7% |
现金转化率EWBCFBK
| Q1 26 | — | — | ||
| Q4 25 | 2.00× | 2.74× | ||
| Q3 25 | 0.63× | 2.04× | ||
| Q2 25 | 0.90× | 24.68× | ||
| Q1 25 | 0.96× | -0.42× | ||
| Q4 24 | 1.71× | 3.66× | ||
| Q3 24 | 1.29× | 5.65× | ||
| Q2 24 | 0.90× | 0.77× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
