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华美银行集团（EWBC）与UNITED COMMUNITY BANKS INC（UCB）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UNITED COMMUNITY BANKS INC的2.8倍（$775.0M vs $276.5M）。华美银行集团净利率更高（46.2% vs 30.5%，领先15.7%）。UNITED COMMUNITY BANKS INC同比增速更快（11.6% 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 8.9%）
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。
联合社区银行是美国的金融机构，为美国东南部规模领先的全服务金融机构之一，总资产达277亿美元，在阿拉巴马州、佛罗里达州、佐治亚州、北卡罗来纳州、南卡罗来纳州和田纳西州设有200个营业网点，同时也是总部位于南卡罗来纳州的总资产规模最大的银行。
EWBC vs UCB — 直观对比
营收规模更大
EWBC
是对方的2.8倍
$276.5M
营收增速更快
UCB
高出9.5%
2.1%
净利率更高
EWBC
高出15.7%
30.5%
两年增速更快
EWBC
近两年复合增速
8.9%
损益表 — Q1 2026 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $775.0M | $276.5M |
| 净利润 | $358.0M | $84.3M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 46.2% | 30.5% |
| 营收同比 | 2.1% | 11.6% |
| 净利润同比 | 0.4% | 18.0% |
| 每股收益（稀释后） | $2.57 | $0.69 |
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EWBCUCB
| Q1 26 | $775.0M | $276.5M | ||
| Q4 25 | $657.8M | $278.4M | ||
| Q3 25 | $677.5M | $276.8M | ||
| Q2 25 | $617.1M | $260.2M | ||
| Q1 25 | $600.2M | $247.7M | ||
| Q4 24 | $587.6M | $239.5M | ||
| Q3 24 | $572.7M | $202.8M | ||
| Q2 24 | $553.2M | $233.0M |
净利润EWBCUCB
| Q1 26 | $358.0M | $84.3M | ||
| Q4 25 | $356.3M | $86.5M | ||
| Q3 25 | $368.4M | $91.5M | ||
| Q2 25 | $310.3M | $78.7M | ||
| Q1 25 | $290.3M | $71.4M | ||
| Q4 24 | $293.1M | $75.8M | ||
| Q3 24 | $299.2M | $47.3M | ||
| Q2 24 | $288.2M | $66.6M |
营业利润率EWBCUCB
| Q1 26 | — | — | ||
| Q4 25 | 71.0% | 40.5% | ||
| Q3 25 | 68.6% | 42.6% | ||
| Q2 25 | 65.2% | 38.6% | ||
| Q1 25 | 65.2% | 36.8% | ||
| Q4 24 | 60.6% | 40.3% | ||
| Q3 24 | 68.0% | 29.5% | ||
| Q2 24 | 65.9% | 36.9% |
净利率EWBCUCB
| Q1 26 | 46.2% | 30.5% | ||
| Q4 25 | 54.2% | 31.1% | ||
| Q3 25 | 54.4% | 33.0% | ||
| Q2 25 | 50.3% | 30.3% | ||
| Q1 25 | 48.4% | 28.8% | ||
| Q4 24 | 49.9% | 31.7% | ||
| Q3 24 | 52.2% | 23.3% | ||
| Q2 24 | 52.1% | 28.6% |
每股收益（稀释后）EWBCUCB
| Q1 26 | $2.57 | $0.69 | ||
| Q4 25 | $2.55 | $0.71 | ||
| Q3 25 | $2.65 | $0.70 | ||
| Q2 25 | $2.24 | $0.63 | ||
| Q1 25 | $2.08 | $0.58 | ||
| Q4 24 | $2.10 | $0.61 | ||
| Q3 24 | $2.14 | $0.38 | ||
| Q2 24 | $2.06 | $0.54 |
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 | — | $493.1M |
| 总债务越低越好 | — | $205.5M |
| 股东权益账面价值 | $9.0B | $3.7B |
| 总资产 | $82.9B | $28.2M |
| 负债/权益比越低杠杆越低 | — | 0.06× |
8季度趋势，按日历期对齐
现金及短期投资EWBCUCB
| Q1 26 | — | $493.1M | ||
| 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EWBCUCB
| Q1 26 | — | $205.5M | ||
| Q4 25 | $35.6M | $120.4M | ||
| Q3 25 | $35.7M | $155.3M | ||
| Q2 25 | $35.8M | $155.1M | ||
| Q1 25 | $35.9M | $254.3M | ||
| Q4 24 | $36.0M | $254.2M | ||
| Q3 24 | $36.1M | $316.4M | ||
| Q2 24 | $36.1M | $324.9M |
股东权益EWBCUCB
| Q1 26 | $9.0B | $3.7B | ||
| Q4 25 | $8.9B | $3.6B | ||
| Q3 25 | $8.6B | $3.6B | ||
| Q2 25 | $8.2B | $3.6B | ||
| Q1 25 | $7.9B | $3.5B | ||
| Q4 24 | $7.7B | $3.4B | ||
| Q3 24 | $7.7B | $3.4B | ||
| Q2 24 | $7.2B | $3.3B |
总资产EWBCUCB
| Q1 26 | $82.9B | $28.2M | ||
| Q4 25 | $80.4B | $28.0B | ||
| Q3 25 | $79.7B | $28.1B | ||
| Q2 25 | $78.2B | $28.1B | ||
| Q1 25 | $76.2B | $27.9B | ||
| Q4 24 | $76.0B | $27.7B | ||
| Q3 24 | $74.5B | $27.4B | ||
| Q2 24 | $72.5B | $27.1B |
负债/权益比EWBCUCB
| Q1 26 | — | 0.06× | ||
| Q4 25 | 0.00× | 0.03× | ||
| Q3 25 | 0.00× | 0.04× | ||
| Q2 25 | 0.00× | 0.04× | ||
| Q1 25 | 0.00× | 0.07× | ||
| Q4 24 | 0.00× | 0.07× | ||
| Q3 24 | 0.00× | 0.09× | ||
| Q2 24 | 0.01× | 0.10× |
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
UCB
| Deposits | $98.0M | 35% |
| Investment securities, including tax exempt of $1,646 and $1,678, respectively | $45.3M | 16% |
| Money market | $40.7M | 15% |
| Time | $28.7M | 10% |
| NOW and interest-bearing demand | $28.1M | 10% |
| Service charges and fees | $9.5M | 3% |
| Other | $8.0M | 3% |
| Mortgage loan gains and other related fees | $8.0M | 3% |
| Wealth management fees | $4.6M | 2% |
| Lending and loan servicing fees | $4.0M | 1% |
| Deposits in banks and short-term investments | $1.2M | 0% |
| Securities gains, net | $133.0K | 0% |
