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华美银行集团（EWBC）与HBT Financial, Inc.（HBT）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HBT Financial, Inc.的15.3倍（$775.0M vs $50.5M）。HBT Financial, Inc.同比增速更快（6.6% 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 4.0%）
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。
HBT Financial, Inc.是总部位于美国伊利诺伊州的区域性银行控股公司，主要为运营区域内的社区居民、中小微企业提供各类零售及商业银行业务，涵盖存取款服务、消费及商业信贷、财富管理咨询、按揭贷款等金融产品。
EWBC vs HBT — 直观对比
营收规模更大
EWBC
是对方的15.3倍
$50.5M
营收增速更快
HBT
高出4.5%
2.1%
两年增速更快
EWBC
近两年复合增速
4.0%
损益表 — Q1 2026 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $775.0M | $50.5M |
| 净利润 | $358.0M | — |
| 毛利率 | — | — |
| 营业利润率 | — | 51.3% |
| 净利率 | 46.2% | — |
| 营收同比 | 2.1% | 6.6% |
| 净利润同比 | 0.4% | — |
| 每股收益（稀释后） | $2.57 | $0.60 |
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EWBCHBT
| Q1 26 | $775.0M | — | ||
| Q4 25 | $657.8M | $50.5M | ||
| Q3 25 | $677.5M | $50.0M | ||
| Q2 25 | $617.1M | $49.7M | ||
| Q1 25 | $600.2M | $48.7M | ||
| Q4 24 | $587.6M | $47.4M | ||
| Q3 24 | $572.7M | $47.7M | ||
| Q2 24 | $553.2M | $47.0M |
净利润EWBCHBT
| Q1 26 | $358.0M | — | ||
| Q4 25 | $356.3M | — | ||
| Q3 25 | $368.4M | $19.8M | ||
| Q2 25 | $310.3M | $19.2M | ||
| Q1 25 | $290.3M | $19.1M | ||
| Q4 24 | $293.1M | $20.3M | ||
| Q3 24 | $299.2M | $18.2M | ||
| Q2 24 | $288.2M | $18.1M |
营业利润率EWBCHBT
| Q1 26 | — | — | ||
| Q4 25 | 71.0% | 51.3% | ||
| Q3 25 | 68.6% | 53.5% | ||
| Q2 25 | 65.2% | 53.1% | ||
| Q1 25 | 65.2% | 52.4% | ||
| Q4 24 | 60.6% | 57.8% | ||
| Q3 24 | 68.0% | 51.4% | ||
| Q2 24 | 65.9% | 53.1% |
净利率EWBCHBT
| Q1 26 | 46.2% | — | ||
| Q4 25 | 54.2% | — | ||
| Q3 25 | 54.4% | 39.5% | ||
| Q2 25 | 50.3% | 38.7% | ||
| Q1 25 | 48.4% | 39.2% | ||
| Q4 24 | 49.9% | 42.8% | ||
| Q3 24 | 52.2% | 38.1% | ||
| Q2 24 | 52.1% | 38.4% |
每股收益（稀释后）EWBCHBT
| Q1 26 | $2.57 | — | ||
| Q4 25 | $2.55 | $0.60 | ||
| Q3 25 | $2.65 | $0.63 | ||
| Q2 25 | $2.24 | $0.61 | ||
| Q1 25 | $2.08 | $0.60 | ||
| Q4 24 | $2.10 | $0.64 | ||
| Q3 24 | $2.14 | $0.57 | ||
| Q2 24 | $2.06 | $0.57 |
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 | — | $122.3M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $9.0B | $615.5M |
| 总资产 | $82.9B | $5.1B |
| 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EWBCHBT
| Q1 26 | — | — | ||
| Q4 25 | $4.2B | $122.3M | ||
| Q3 25 | $4.7B | $155.1M | ||
| Q2 25 | $4.4B | $195.7M | ||
| Q1 25 | $3.4B | $211.6M | ||
| Q4 24 | $5.3B | $137.7M | ||
| Q3 24 | $4.9B | $179.7M | ||
| Q2 24 | $4.4B | $195.2M |
总债务EWBCHBT
| Q1 26 | — | — | ||
| Q4 25 | $35.6M | — | ||
| Q3 25 | $35.7M | — | ||
| Q2 25 | $35.8M | — | ||
| Q1 25 | $35.9M | — | ||
| Q4 24 | $36.0M | — | ||
| Q3 24 | $36.1M | — | ||
| Q2 24 | $36.1M | — |
股东权益EWBCHBT
| Q1 26 | $9.0B | — | ||
| Q4 25 | $8.9B | $615.5M | ||
| Q3 25 | $8.6B | $599.1M | ||
| Q2 25 | $8.2B | $580.9M | ||
| Q1 25 | $7.9B | $565.1M | ||
| Q4 24 | $7.7B | $544.6M | ||
| Q3 24 | $7.7B | $537.7M | ||
| Q2 24 | $7.2B | $509.5M |
总资产EWBCHBT
| Q1 26 | $82.9B | — | ||
| Q4 25 | $80.4B | $5.1B | ||
| Q3 25 | $79.7B | $5.0B | ||
| Q2 25 | $78.2B | $5.0B | ||
| Q1 25 | $76.2B | $5.1B | ||
| Q4 24 | $76.0B | $5.0B | ||
| Q3 24 | $74.5B | $5.0B | ||
| Q2 24 | $72.5B | $5.0B |
负债/权益比EWBCHBT
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | — | ||
| Q3 25 | 0.00× | — | ||
| Q2 25 | 0.00× | — | ||
| Q1 25 | 0.00× | — | ||
| Q4 24 | 0.00× | — | ||
| 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 | — | $23.9M |
| 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 | — | — |
| 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EWBCHBT
| Q1 26 | — | — | ||
| Q4 25 | $713.4M | $23.9M | ||
| Q3 25 | $231.7M | $17.2M | ||
| Q2 25 | $278.7M | $13.6M | ||
| Q1 25 | $277.9M | $30.4M | ||
| Q4 24 | $500.1M | $17.3M | ||
| Q3 24 | $386.1M | $25.5M | ||
| Q2 24 | $259.2M | $19.8M |
现金转化率EWBCHBT
| Q1 26 | — | — | ||
| Q4 25 | 2.00× | — | ||
| Q3 25 | 0.63× | 0.87× | ||
| Q2 25 | 0.90× | 0.70× | ||
| Q1 25 | 0.96× | 1.60× | ||
| Q4 24 | 1.71× | 0.85× | ||
| Q3 24 | 1.29× | 1.40× | ||
| Q2 24 | 0.90× | 1.10× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
