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华美银行集团（EWBC）与QCR HOLDINGS INC（QCRH）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QCR HOLDINGS INC的7.2倍（$775.0M vs $107.0M），QCR HOLDINGS INC同比增速更快（16.5% 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 -13.2%）
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。
QCR控股有限公司通过旗下子公司，为阔德城和锡达拉皮兹地区的客户提供商业与零售银行服务，以及信托和资产管理服务。公司成立于1993年，总部位于伊利诺伊州莫林市。
EWBC vs QCRH — 直观对比
营收规模更大
EWBC
是对方的7.2倍
$107.0M
营收增速更快
QCRH
高出14.4%
2.1%
两年增速更快
EWBC
近两年复合增速
-13.2%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $775.0M | $107.0M |
| 净利润 | $358.0M | — |
| 毛利率 | — | — |
| 营业利润率 | — | 36.1% |
| 净利率 | 46.2% | — |
| 营收同比 | 2.1% | 16.5% |
| 净利润同比 | 0.4% | — |
| 每股收益（稀释后） | $2.57 | $2.10 |
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EWBCQCRH
| Q1 26 | $775.0M | — | ||
| Q4 25 | $657.8M | $107.0M | ||
| Q3 25 | $677.5M | $101.5M | ||
| Q2 25 | $617.1M | $84.2M | ||
| Q1 25 | $600.2M | $76.9M | ||
| Q4 24 | $587.6M | $91.8M | ||
| Q3 24 | $572.7M | $152.6M | ||
| Q2 24 | $553.2M | $150.6M |
净利润EWBCQCRH
| Q1 26 | $358.0M | — | ||
| Q4 25 | $356.3M | — | ||
| Q3 25 | $368.4M | $36.7M | ||
| Q2 25 | $310.3M | $29.0M | ||
| Q1 25 | $290.3M | $25.8M | ||
| Q4 24 | $293.1M | — | ||
| Q3 24 | $299.2M | $27.8M | ||
| Q2 24 | $288.2M | $29.1M |
营业利润率EWBCQCRH
| Q1 26 | — | — | ||
| Q4 25 | 71.0% | 36.1% | ||
| Q3 25 | 68.6% | 40.0% | ||
| Q2 25 | 65.2% | 36.3% | ||
| Q1 25 | 65.2% | 34.0% | ||
| Q4 24 | 60.6% | 36.1% | ||
| Q3 24 | 68.0% | 19.6% | ||
| Q2 24 | 65.9% | 21.0% |
净利率EWBCQCRH
| Q1 26 | 46.2% | — | ||
| Q4 25 | 54.2% | — | ||
| Q3 25 | 54.4% | 36.2% | ||
| Q2 25 | 50.3% | 34.5% | ||
| Q1 25 | 48.4% | 33.6% | ||
| Q4 24 | 49.9% | — | ||
| Q3 24 | 52.2% | 18.2% | ||
| Q2 24 | 52.1% | 19.3% |
每股收益（稀释后）EWBCQCRH
| Q1 26 | $2.57 | — | ||
| Q4 25 | $2.55 | $2.10 | ||
| Q3 25 | $2.65 | $2.16 | ||
| Q2 25 | $2.24 | $1.71 | ||
| Q1 25 | $2.08 | $1.52 | ||
| Q4 24 | $2.10 | $1.77 | ||
| Q3 24 | $2.14 | $1.64 | ||
| Q2 24 | $2.06 | $1.72 |
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 | $1.1B |
| 总资产 | $82.9B | $9.6B |
| 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EWBCQCRH
| 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EWBCQCRH
| 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EWBCQCRH
| Q1 26 | $9.0B | — | ||
| Q4 25 | $8.9B | $1.1B | ||
| Q3 25 | $8.6B | $1.1B | ||
| Q2 25 | $8.2B | $1.1B | ||
| Q1 25 | $7.9B | $1.0B | ||
| Q4 24 | $7.7B | $997.4M | ||
| Q3 24 | $7.7B | $976.6M | ||
| Q2 24 | $7.2B | $936.3M |
总资产EWBCQCRH
| Q1 26 | $82.9B | — | ||
| Q4 25 | $80.4B | $9.6B | ||
| Q3 25 | $79.7B | $9.6B | ||
| Q2 25 | $78.2B | $9.2B | ||
| Q1 25 | $76.2B | $9.2B | ||
| Q4 24 | $76.0B | $9.0B | ||
| Q3 24 | $74.5B | $9.1B | ||
| Q2 24 | $72.5B | $8.9B |
负债/权益比EWBCQCRH
| 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 | — | $421.5M |
| 自由现金流经营现金流 - 资本支出 | — | $354.1M |
| 自由现金流率自由现金流/营收 | — | 330.9% |
| 资本支出强度资本支出/营收 | — | 63.0% |
| 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 | — | $397.4M |
8季度趋势，按日历期对齐
经营现金流EWBCQCRH
| Q1 26 | — | — | ||
| Q4 25 | $713.4M | $421.5M | ||
| Q3 25 | $231.7M | $47.5M | ||
| Q2 25 | $278.7M | $42.2M | ||
| Q1 25 | $277.9M | $-3.6M | ||
| Q4 24 | $500.1M | $444.5M | ||
| Q3 24 | $386.1M | $238.1M | ||
| Q2 24 | $259.2M | $26.3M |
自由现金流EWBCQCRH
| Q1 26 | — | — | ||
| Q4 25 | — | $354.1M | ||
| Q3 25 | — | $31.7M | ||
| Q2 25 | — | $24.2M | ||
| Q1 25 | — | $-12.7M | ||
| Q4 24 | — | $400.0M | ||
| Q3 24 | — | $229.9M | ||
| Q2 24 | — | $16.2M |
自由现金流率EWBCQCRH
| Q1 26 | — | — | ||
| Q4 25 | — | 330.9% | ||
| Q3 25 | — | 31.3% | ||
| Q2 25 | — | 28.8% | ||
| Q1 25 | — | -16.5% | ||
| Q4 24 | — | 435.6% | ||
| Q3 24 | — | 150.7% | ||
| Q2 24 | — | 10.7% |
资本支出强度EWBCQCRH
| Q1 26 | — | — | ||
| Q4 25 | — | 63.0% | ||
| Q3 25 | — | 15.5% | ||
| Q2 25 | — | 21.4% | ||
| Q1 25 | — | 11.9% | ||
| Q4 24 | — | 48.4% | ||
| Q3 24 | — | 5.4% | ||
| Q2 24 | — | 6.8% |
现金转化率EWBCQCRH
| Q1 26 | — | — | ||
| Q4 25 | 2.00× | — | ||
| Q3 25 | 0.63× | 1.29× | ||
| Q2 25 | 0.90× | 1.46× | ||
| Q1 25 | 0.96× | -0.14× | ||
| Q4 24 | 1.71× | — | ||
| Q3 24 | 1.29× | 8.57× | ||
| Q2 24 | 0.90× | 0.90× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
