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华美银行集团（EWBC）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的季度营收约是华美银行集团的1.4倍（$1.1B vs $775.0M）。FIRST CITIZENS BANCSHARES INC净利率更高（49.1% vs 46.2%，领先2.9%）。FIRST CITIZENS BANCSHARES INC同比增速更快（3.5% vs 2.1%）。过去两年华美银行集团的营收复合增速更高（18.4% vs -33.5%）
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。
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。
EWBC vs FCNCA — 直观对比
营收规模更大
FCNCA
是对方的1.4倍
$775.0M
营收增速更快
FCNCA
高出1.4%
2.1%
净利率更高
FCNCA
高出2.9%
46.2%
两年增速更快
EWBC
近两年复合增速
-33.5%
损益表 — Q1 2026 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $775.0M | $1.1B |
| 净利润 | $358.0M | $534.0M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 46.2% | 49.1% |
| 营收同比 | 2.1% | 3.5% |
| 净利润同比 | 0.4% | 10.6% |
| 每股收益（稀释后） | $2.57 | $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EWBCFCNCA
| Q1 26 | $775.0M | $1.1B | ||
| Q4 25 | $657.8M | $2.4B | ||
| Q3 25 | $677.5M | $2.4B | ||
| Q2 25 | $617.1M | $2.4B | ||
| Q1 25 | $600.2M | $2.3B | ||
| Q4 24 | $587.6M | $2.4B | ||
| Q3 24 | $572.7M | $2.4B | ||
| Q2 24 | $553.2M | $2.5B |
净利润EWBCFCNCA
| Q1 26 | $358.0M | $534.0M | ||
| Q4 25 | $356.3M | $580.0M | ||
| Q3 25 | $368.4M | $568.0M | ||
| Q2 25 | $310.3M | $575.0M | ||
| Q1 25 | $290.3M | $483.0M | ||
| Q4 24 | $293.1M | $700.0M | ||
| Q3 24 | $299.2M | $639.0M | ||
| Q2 24 | $288.2M | $707.0M |
营业利润率EWBCFCNCA
| Q1 26 | — | — | ||
| Q4 25 | 71.0% | 33.3% | ||
| Q3 25 | 68.6% | 30.9% | ||
| Q2 25 | 65.2% | 31.9% | ||
| Q1 25 | 65.2% | 28.3% | ||
| Q4 24 | 60.6% | 30.6% | ||
| Q3 24 | 68.0% | 35.7% | ||
| Q2 24 | 65.9% | 39.8% |
净利率EWBCFCNCA
| Q1 26 | 46.2% | 49.1% | ||
| Q4 25 | 54.2% | 23.8% | ||
| Q3 25 | 54.4% | 23.3% | ||
| Q2 25 | 50.3% | 24.2% | ||
| Q1 25 | 48.4% | 21.0% | ||
| Q4 24 | 49.9% | 29.1% | ||
| Q3 24 | 52.2% | 26.1% | ||
| Q2 24 | 52.1% | 28.7% |
每股收益（稀释后）EWBCFCNCA
| Q1 26 | $2.57 | $42.63 | ||
| Q4 25 | $2.55 | $45.33 | ||
| Q3 25 | $2.65 | $43.08 | ||
| Q2 25 | $2.24 | $42.36 | ||
| Q1 25 | $2.08 | $34.47 | ||
| Q4 24 | $2.10 | $49.19 | ||
| Q3 24 | $2.14 | $43.42 | ||
| Q2 24 | $2.06 | $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 | — | — |
| 总债务越低越好 | — | $34.0B |
| 股东权益账面价值 | $9.0B | $22.0B |
| 总资产 | $82.9B | $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EWBCFCNCA
| Q1 26 | — | — | ||
| Q4 25 | $4.2B | — | ||
| Q3 25 | $4.7B | — | ||
| Q2 25 | $4.4B | — | ||
| Q1 25 | $3.4B | — | ||
| Q4 24 | $5.3B | — | ||
| Q3 24 | $4.9B | — | ||
| Q2 24 | $4.4B | — |
总债务EWBCFCNCA
| Q1 26 | — | $34.0B | ||
| Q4 25 | $35.6M | $35.8B | ||
| Q3 25 | $35.7M | $38.3B | ||
| Q2 25 | $35.8M | $37.6B | ||
| Q1 25 | $35.9M | $38.0B | ||
| Q4 24 | $36.0M | $36.7B | ||
| Q3 24 | $36.1M | $36.8B | ||
| Q2 24 | $36.1M | $37.1B |
股东权益EWBCFCNCA
| Q1 26 | $9.0B | $22.0B | ||
| Q4 25 | $8.9B | $22.2B | ||
| Q3 25 | $8.6B | $22.0B | ||
| Q2 25 | $8.2B | $22.3B | ||
| Q1 25 | $7.9B | $22.3B | ||
| Q4 24 | $7.7B | $22.2B | ||
| Q3 24 | $7.7B | $22.8B | ||
| Q2 24 | $7.2B | $22.5B |
总资产EWBCFCNCA
| Q1 26 | $82.9B | $236.0B | ||
| Q4 25 | $80.4B | $229.7B | ||
| Q3 25 | $79.7B | $233.5B | ||
| Q2 25 | $78.2B | $229.7B | ||
| Q1 25 | $76.2B | $228.8B | ||
| Q4 24 | $76.0B | $223.7B | ||
| Q3 24 | $74.5B | $220.6B | ||
| Q2 24 | $72.5B | $219.8B |
负债/权益比EWBCFCNCA
| Q1 26 | — | 1.54× | ||
| Q4 25 | 0.00× | 1.61× | ||
| Q3 25 | 0.00× | 1.74× | ||
| Q2 25 | 0.00× | 1.69× | ||
| Q1 25 | 0.00× | 1.70× | ||
| Q4 24 | 0.00× | 1.65× | ||
| Q3 24 | 0.00× | 1.61× | ||
| Q2 24 | 0.01× | 1.65× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
