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华美银行集团（EWBC）与HERITAGE COMMERCE CORP（HTBK）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HERITAGE COMMERCE CORP的14.5倍（$775.0M vs $53.6M），华美银行集团净利率更高（46.2% vs 28.2%，领先18.0%），HERITAGE COMMERCE CORP同比增速更快（15.6% 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 12.8%）
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。
本文介绍的企业主体信息与内容描述不符，描述内容实际为美国商会，该商会成立于1912年4月23日，是美国规模最大的游说类商业协会 advocacy 团体，成立之初得益于时任总统威廉·霍华德·塔夫脱与劳工商务部长查尔斯·内格尔推动，旨在代表工商界发声。
EWBC vs HTBK — 直观对比
营收规模更大
EWBC
是对方的14.5倍
$53.6M
营收增速更快
HTBK
高出13.5%
2.1%
净利率更高
EWBC
高出18.0%
28.2%
两年增速更快
EWBC
近两年复合增速
12.8%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $775.0M | $53.6M |
| 净利润 | $358.0M | $15.1M |
| 毛利率 | — | — |
| 营业利润率 | — | 41.0% |
| 净利率 | 46.2% | 28.2% |
| 营收同比 | 2.1% | 15.6% |
| 净利润同比 | 0.4% | 42.3% |
| 每股收益（稀释后） | $2.57 | $0.25 |
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EWBCHTBK
| Q1 26 | $775.0M | — | ||
| Q4 25 | $657.8M | $53.6M | ||
| Q3 25 | $677.5M | $50.0M | ||
| Q2 25 | $617.1M | $47.8M | ||
| Q1 25 | $600.2M | $46.1M | ||
| Q4 24 | $587.6M | $46.4M | ||
| Q3 24 | $572.7M | $42.2M | ||
| Q2 24 | $553.2M | $41.7M |
净利润EWBCHTBK
| Q1 26 | $358.0M | — | ||
| Q4 25 | $356.3M | $15.1M | ||
| Q3 25 | $368.4M | $14.7M | ||
| Q2 25 | $310.3M | $6.4M | ||
| Q1 25 | $290.3M | $11.6M | ||
| Q4 24 | $293.1M | $10.6M | ||
| Q3 24 | $299.2M | $10.5M | ||
| Q2 24 | $288.2M | $9.2M |
营业利润率EWBCHTBK
| Q1 26 | — | — | ||
| Q4 25 | 71.0% | 41.0% | ||
| Q3 25 | 68.6% | 41.1% | ||
| Q2 25 | 65.2% | 18.7% | ||
| Q1 25 | 65.2% | 35.4% | ||
| Q4 24 | 60.6% | 31.8% | ||
| Q3 24 | 68.0% | 34.3% | ||
| Q2 24 | 65.9% | 31.3% |
净利率EWBCHTBK
| Q1 26 | 46.2% | — | ||
| Q4 25 | 54.2% | 28.2% | ||
| Q3 25 | 54.4% | 29.4% | ||
| Q2 25 | 50.3% | 13.4% | ||
| Q1 25 | 48.4% | 25.2% | ||
| Q4 24 | 49.9% | 22.9% | ||
| Q3 24 | 52.2% | 24.9% | ||
| Q2 24 | 52.1% | 22.1% |
每股收益（稀释后）EWBCHTBK
| Q1 26 | $2.57 | — | ||
| Q4 25 | $2.55 | $0.25 | ||
| Q3 25 | $2.65 | $0.24 | ||
| Q2 25 | $2.24 | $0.10 | ||
| Q1 25 | $2.08 | $0.19 | ||
| Q4 24 | $2.10 | $0.17 | ||
| Q3 24 | $2.14 | $0.17 | ||
| Q2 24 | $2.06 | $0.15 |
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 | — | — |
| 股东权益账面价值 | $9.0B | $708.6M |
| 总资产 | $82.9B | $5.8B |
| 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EWBCHTBK
| 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EWBCHTBK
| 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EWBCHTBK
| Q1 26 | $9.0B | — | ||
| Q4 25 | $8.9B | $708.6M | ||
| Q3 25 | $8.6B | $700.0M | ||
| Q2 25 | $8.2B | $694.7M | ||
| Q1 25 | $7.9B | $696.2M | ||
| Q4 24 | $7.7B | $689.7M | ||
| Q3 24 | $7.7B | $685.4M | ||
| Q2 24 | $7.2B | $679.2M |
总资产EWBCHTBK
| Q1 26 | $82.9B | — | ||
| Q4 25 | $80.4B | $5.8B | ||
| Q3 25 | $79.7B | $5.6B | ||
| Q2 25 | $78.2B | $5.5B | ||
| Q1 25 | $76.2B | $5.5B | ||
| Q4 24 | $76.0B | $5.6B | ||
| Q3 24 | $74.5B | $5.6B | ||
| Q2 24 | $72.5B | $5.3B |
负债/权益比EWBCHTBK
| 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 | — | $61.7M |
| 自由现金流经营现金流 - 资本支出 | — | $61.3M |
| 自由现金流率自由现金流/营收 | — | 114.3% |
| 资本支出强度资本支出/营收 | — | 0.7% |
| 现金转化率经营现金流/净利润 | — | 4.08× |
| 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EWBCHTBK
| Q1 26 | — | — | ||
| Q4 25 | $713.4M | $61.7M | ||
| Q3 25 | $231.7M | $18.9M | ||
| Q2 25 | $278.7M | $8.0M | ||
| Q1 25 | $277.9M | $14.8M | ||
| Q4 24 | $500.1M | $39.0M | ||
| Q3 24 | $386.1M | $5.3M | ||
| Q2 24 | $259.2M | $10.5M |
自由现金流EWBCHTBK
| Q1 26 | — | — | ||
| Q4 25 | — | $61.3M | ||
| Q3 25 | — | $18.8M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $37.3M | ||
| Q3 24 | — | $4.9M | ||
| Q2 24 | — | $9.9M |
自由现金流率EWBCHTBK
| Q1 26 | — | — | ||
| Q4 25 | — | 114.3% | ||
| Q3 25 | — | 37.7% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 80.5% | ||
| Q3 24 | — | 11.6% | ||
| Q2 24 | — | 23.6% |
资本支出强度EWBCHTBK
| Q1 26 | — | — | ||
| Q4 25 | — | 0.7% | ||
| Q3 25 | — | 0.1% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 3.5% | ||
| Q3 24 | — | 1.0% | ||
| Q2 24 | — | 1.6% |
现金转化率EWBCHTBK
| Q1 26 | — | — | ||
| Q4 25 | 2.00× | 4.08× | ||
| Q3 25 | 0.63× | 1.28× | ||
| Q2 25 | 0.90× | 1.25× | ||
| Q1 25 | 0.96× | 1.28× | ||
| Q4 24 | 1.71× | 3.67× | ||
| Q3 24 | 1.29× | 0.50× | ||
| Q2 24 | 0.90× | 1.14× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
