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华美银行集团（EWBC）与REPUBLIC BANCORP INC（RBCAA）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REPUBLIC BANCORP INC的8.2倍（$775.0M vs $94.3M），华美银行集团净利率更高（46.2% vs 24.2%，领先22.0%），REPUBLIC BANCORP INC同比增速更快（5.3% 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 -11.5%）
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。
肯塔基州共和银行是美国的一家区域性银行控股企业，提供零售及商业银行全品类服务，涵盖个人存贷款、企业融资、按揭产品及财富管理解决方案，主要服务肯塔基州及周边州的个人消费者和中小企业客户。
EWBC vs RBCAA — 直观对比
营收规模更大
EWBC
是对方的8.2倍
$94.3M
营收增速更快
RBCAA
高出3.2%
2.1%
净利率更高
EWBC
高出22.0%
24.2%
两年增速更快
EWBC
近两年复合增速
-11.5%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $775.0M | $94.3M |
| 净利润 | $358.0M | $22.8M |
| 毛利率 | — | — |
| 营业利润率 | — | 29.3% |
| 净利率 | 46.2% | 24.2% |
| 营收同比 | 2.1% | 5.3% |
| 净利润同比 | 0.4% | 20.0% |
| 每股收益（稀释后） | $2.57 | — |
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EWBCRBCAA
| Q1 26 | $775.0M | — | ||
| Q4 25 | $657.8M | $94.3M | ||
| Q3 25 | $677.5M | $93.5M | ||
| Q2 25 | $617.1M | $93.8M | ||
| Q1 25 | $600.2M | $135.8M | ||
| Q4 24 | $587.6M | $89.5M | ||
| Q3 24 | $572.7M | $88.1M | ||
| Q2 24 | $553.2M | $86.9M |
净利润EWBCRBCAA
| Q1 26 | $358.0M | — | ||
| Q4 25 | $356.3M | $22.8M | ||
| Q3 25 | $368.4M | $29.7M | ||
| Q2 25 | $310.3M | $31.5M | ||
| Q1 25 | $290.3M | $47.3M | ||
| Q4 24 | $293.1M | $19.0M | ||
| Q3 24 | $299.2M | $26.5M | ||
| Q2 24 | $288.2M | $25.2M |
营业利润率EWBCRBCAA
| Q1 26 | — | — | ||
| Q4 25 | 71.0% | 29.3% | ||
| Q3 25 | 68.6% | 40.4% | ||
| Q2 25 | 65.2% | 43.0% | ||
| Q1 25 | 65.2% | 44.1% | ||
| Q4 24 | 60.6% | 25.8% | ||
| Q3 24 | 68.0% | 38.4% | ||
| Q2 24 | 65.9% | 37.0% |
净利率EWBCRBCAA
| Q1 26 | 46.2% | — | ||
| Q4 25 | 54.2% | 24.2% | ||
| Q3 25 | 54.4% | 31.8% | ||
| Q2 25 | 50.3% | 33.5% | ||
| Q1 25 | 48.4% | 34.8% | ||
| Q4 24 | 49.9% | 21.2% | ||
| Q3 24 | 52.2% | 30.1% | ||
| Q2 24 | 52.1% | 29.0% |
每股收益（稀释后）EWBCRBCAA
| Q1 26 | $2.57 | — | ||
| Q4 25 | $2.55 | — | ||
| Q3 25 | $2.65 | — | ||
| Q2 25 | $2.24 | — | ||
| Q1 25 | $2.08 | — | ||
| Q4 24 | $2.10 | — | ||
| Q3 24 | $2.14 | — | ||
| Q2 24 | $2.06 | — |
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 | — | $220.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $9.0B | $1.1B |
| 总资产 | $82.9B | $7.0B |
| 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EWBCRBCAA
| Q1 26 | — | — | ||
| Q4 25 | $4.2B | $220.0M | ||
| Q3 25 | $4.7B | $484.2M | ||
| Q2 25 | $4.4B | $484.8M | ||
| Q1 25 | $3.4B | $793.0M | ||
| Q4 24 | $5.3B | $432.2M | ||
| Q3 24 | $4.9B | $530.9M | ||
| Q2 24 | $4.4B | $400.1M |
总债务EWBCRBCAA
| 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EWBCRBCAA
| 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 | $992.0M | ||
| Q3 24 | $7.7B | $979.7M | ||
| Q2 24 | $7.2B | $955.4M |
总资产EWBCRBCAA
| Q1 26 | $82.9B | — | ||
| Q4 25 | $80.4B | $7.0B | ||
| Q3 25 | $79.7B | $7.0B | ||
| Q2 25 | $78.2B | $7.0B | ||
| Q1 25 | $76.2B | $7.1B | ||
| Q4 24 | $76.0B | $6.8B | ||
| Q3 24 | $74.5B | $6.7B | ||
| Q2 24 | $72.5B | $6.6B |
负债/权益比EWBCRBCAA
| 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 | — | $168.2M |
| 自由现金流经营现金流 - 资本支出 | — | $161.1M |
| 自由现金流率自由现金流/营收 | — | 170.9% |
| 资本支出强度资本支出/营收 | — | 7.5% |
| 现金转化率经营现金流/净利润 | — | 7.37× |
| 过去12个月自由现金流最近4个季度 | — | $288.6M |
8季度趋势，按日历期对齐
经营现金流EWBCRBCAA
| Q1 26 | — | — | ||
| Q4 25 | $713.4M | $168.2M | ||
| Q3 25 | $231.7M | $33.3M | ||
| Q2 25 | $278.7M | $8.4M | ||
| Q1 25 | $277.9M | $93.2M | ||
| Q4 24 | $500.1M | $149.0M | ||
| Q3 24 | $386.1M | $51.3M | ||
| Q2 24 | $259.2M | $4.0M |
自由现金流EWBCRBCAA
| Q1 26 | — | — | ||
| Q4 25 | — | $161.1M | ||
| Q3 25 | — | $30.8M | ||
| Q2 25 | — | $5.2M | ||
| Q1 25 | — | $91.6M | ||
| Q4 24 | — | $143.2M | ||
| Q3 24 | — | $49.8M | ||
| Q2 24 | — | $2.7M |
自由现金流率EWBCRBCAA
| Q1 26 | — | — | ||
| Q4 25 | — | 170.9% | ||
| Q3 25 | — | 32.9% | ||
| Q2 25 | — | 5.5% | ||
| Q1 25 | — | 67.4% | ||
| Q4 24 | — | 160.0% | ||
| Q3 24 | — | 56.5% | ||
| Q2 24 | — | 3.1% |
资本支出强度EWBCRBCAA
| Q1 26 | — | — | ||
| Q4 25 | — | 7.5% | ||
| Q3 25 | — | 2.6% | ||
| Q2 25 | — | 3.5% | ||
| Q1 25 | — | 1.2% | ||
| Q4 24 | — | 6.5% | ||
| Q3 24 | — | 1.7% | ||
| Q2 24 | — | 1.5% |
现金转化率EWBCRBCAA
| Q1 26 | — | — | ||
| Q4 25 | 2.00× | 7.37× | ||
| Q3 25 | 0.63× | 1.12× | ||
| Q2 25 | 0.90× | 0.27× | ||
| Q1 25 | 0.96× | 1.97× | ||
| Q4 24 | 1.71× | 7.84× | ||
| Q3 24 | 1.29× | 1.93× | ||
| Q2 24 | 0.90× | 0.16× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
