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华美银行集团（EWBC）与Cloudflare, Inc.（NET）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Cloudflare, Inc.的1.3倍（$774.0M vs $614.5M），华美银行集团净利率更高（46.3% vs -2.0%，领先48.2%），Cloudflare, Inc.同比增速更快（33.6% vs 11.8%），过去两年Cloudflare, Inc.的营收复合增速更高（27.4% vs 18.3%）
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。
Cloudflare是总部位于美国加利福尼亚州旧金山的科技企业，提供内容分发网络（CDN）、云网络安全、DDoS防护等多元互联网服务，同时是ICANN认证的域名注册商。其服务作为网站访客与客户托管服务商之间的反向代理，可有效提升访问性能，抵御恶意流量。
EWBC vs NET — 直观对比
营收规模更大
EWBC
是对方的1.3倍
$614.5M
营收增速更快
NET
高出21.8%
11.8%
净利率更高
EWBC
高出48.2%
-2.0%
两年增速更快
NET
近两年复合增速
18.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $774.0M | $614.5M |
| 净利润 | $358.0M | $-12.1M |
| 毛利率 | — | 73.6% |
| 营业利润率 | — | -8.0% |
| 净利率 | 46.3% | -2.0% |
| 营收同比 | 11.8% | 33.6% |
| 净利润同比 | 0.4% | 6.0% |
| 每股收益（稀释后） | $2.57 | $-0.03 |
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EWBCNET
| Q1 26 | $774.0M | — | ||
| Q4 25 | $657.8M | $614.5M | ||
| Q3 25 | $677.5M | $562.0M | ||
| Q2 25 | $617.1M | $512.3M | ||
| Q1 25 | $600.2M | $479.1M | ||
| Q4 24 | $587.6M | $459.9M | ||
| Q3 24 | $572.7M | $430.1M | ||
| Q2 24 | $553.2M | $401.0M |
净利润EWBCNET
| Q1 26 | $358.0M | — | ||
| Q4 25 | $356.3M | $-12.1M | ||
| Q3 25 | $368.4M | $-1.3M | ||
| Q2 25 | $310.3M | $-50.4M | ||
| Q1 25 | $290.3M | $-38.5M | ||
| Q4 24 | $293.1M | $-12.8M | ||
| Q3 24 | $299.2M | $-15.3M | ||
| Q2 24 | $288.2M | $-15.1M |
毛利率EWBCNET
| Q1 26 | — | — | ||
| Q4 25 | — | 73.6% | ||
| Q3 25 | — | 74.0% | ||
| Q2 25 | — | 74.9% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.4% | ||
| Q3 24 | — | 77.7% | ||
| Q2 24 | — | 77.8% |
营业利润率EWBCNET
| Q1 26 | — | — | ||
| Q4 25 | 71.0% | -8.0% | ||
| Q3 25 | 68.6% | -6.7% | ||
| Q2 25 | 65.2% | -13.1% | ||
| Q1 25 | 65.2% | -11.1% | ||
| Q4 24 | 60.6% | -7.5% | ||
| Q3 24 | 68.0% | -7.2% | ||
| Q2 24 | 65.9% | -8.7% |
净利率EWBCNET
| Q1 26 | 46.3% | — | ||
| Q4 25 | 54.2% | -2.0% | ||
| Q3 25 | 54.4% | -0.2% | ||
| Q2 25 | 50.3% | -9.8% | ||
| Q1 25 | 48.4% | -8.0% | ||
| Q4 24 | 49.9% | -2.8% | ||
| Q3 24 | 52.2% | -3.6% | ||
| Q2 24 | 52.1% | -3.8% |
每股收益（稀释后）EWBCNET
| Q1 26 | $2.57 | — | ||
| Q4 25 | $2.55 | $-0.03 | ||
| Q3 25 | $2.65 | $0.00 | ||
| Q2 25 | $2.24 | $-0.15 | ||
| Q1 25 | $2.08 | $-0.11 | ||
| Q4 24 | $2.10 | $-0.05 | ||
| Q3 24 | $2.14 | $-0.04 | ||
| Q2 24 | $2.06 | $-0.04 |
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 | — | $943.5M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $9.0B | $1.5B |
| 总资产 | $82.9B | $6.0B |
| 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EWBCNET
| Q1 26 | — | — | ||
| Q4 25 | $4.2B | $943.5M | ||
| Q3 25 | $4.7B | $1.1B | ||
| Q2 25 | $4.4B | $1.5B | ||
| Q1 25 | $3.4B | $204.5M | ||
| Q4 24 | $5.3B | $147.7M | ||
| Q3 24 | $4.9B | $182.9M | ||
| Q2 24 | $4.4B | $157.0M |
总债务EWBCNET
| 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EWBCNET
| Q1 26 | $9.0B | — | ||
| Q4 25 | $8.9B | $1.5B | ||
| Q3 25 | $8.6B | $1.3B | ||
| Q2 25 | $8.2B | $1.2B | ||
| Q1 25 | $7.9B | $1.4B | ||
| Q4 24 | $7.7B | $1.0B | ||
| Q3 24 | $7.7B | $973.1M | ||
| Q2 24 | $7.2B | $881.5M |
总资产EWBCNET
| Q1 26 | $82.9B | — | ||
| Q4 25 | $80.4B | $6.0B | ||
| Q3 25 | $79.7B | $5.8B | ||
| Q2 25 | $78.2B | $5.6B | ||
| Q1 25 | $76.2B | $3.7B | ||
| Q4 24 | $76.0B | $3.3B | ||
| Q3 24 | $74.5B | $3.1B | ||
| Q2 24 | $72.5B | $2.9B |
负债/权益比EWBCNET
| 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 | — | $190.4M |
| 自由现金流经营现金流 - 资本支出 | — | $105.2M |
| 自由现金流率自由现金流/营收 | — | 17.1% |
| 资本支出强度资本支出/营收 | — | 13.9% |
| 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 | — | $287.5M |
8季度趋势，按日历期对齐
经营现金流EWBCNET
| Q1 26 | — | — | ||
| Q4 25 | $713.4M | $190.4M | ||
| Q3 25 | $231.7M | $167.1M | ||
| Q2 25 | $278.7M | $99.8M | ||
| Q1 25 | $277.9M | $145.8M | ||
| Q4 24 | $500.1M | $127.3M | ||
| Q3 24 | $386.1M | $104.7M | ||
| Q2 24 | $259.2M | $74.8M |
自由现金流EWBCNET
| Q1 26 | — | — | ||
| Q4 25 | — | $105.2M | ||
| Q3 25 | — | $82.5M | ||
| Q2 25 | — | $39.9M | ||
| Q1 25 | — | $59.9M | ||
| Q4 24 | — | $54.2M | ||
| Q3 24 | — | $54.5M | ||
| Q2 24 | — | $45.2M |
自由现金流率EWBCNET
| Q1 26 | — | — | ||
| Q4 25 | — | 17.1% | ||
| Q3 25 | — | 14.7% | ||
| Q2 25 | — | 7.8% | ||
| Q1 25 | — | 12.5% | ||
| Q4 24 | — | 11.8% | ||
| Q3 24 | — | 12.7% | ||
| Q2 24 | — | 11.3% |
资本支出强度EWBCNET
| Q1 26 | — | — | ||
| Q4 25 | — | 13.9% | ||
| Q3 25 | — | 15.1% | ||
| Q2 25 | — | 11.7% | ||
| Q1 25 | — | 17.9% | ||
| Q4 24 | — | 15.9% | ||
| Q3 24 | — | 11.7% | ||
| Q2 24 | — | 7.4% |
现金转化率EWBCNET
| Q1 26 | — | — | ||
| Q4 25 | 2.00× | — | ||
| Q3 25 | 0.63× | — | ||
| Q2 25 | 0.90× | — | ||
| Q1 25 | 0.96× | — | ||
| Q4 24 | 1.71× | — | ||
| Q3 24 | 1.29× | — | ||
| Q2 24 | 0.90× | — |
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
EWBC
暂无分部数据
NET
| Sales Channel Directly To Consumer | $438.5M | 71% |
| Sales Channel Through Intermediary | $176.0M | 29% |
