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富邦金控（FBK）与FIRST CITIZENS BANCSHARES INC（FCNCA）财务数据对比。点击上方公司名可切换其他公司
FIRST CITIZENS BANCSHARES INC的季度营收约是富邦金控的6.1倍（$1.1B vs $178.6M），FIRST CITIZENS BANCSHARES INC净利率更高（49.1% vs 31.9%，领先17.2%），富邦金控同比增速更快（37.0% vs 3.5%），过去两年富邦金控的营收复合增速更高（28.9% vs -33.5%）
富邦金融控股股份有限公司是一家金融投资控股企业，旗下核心子公司涵盖富邦投信、富邦产险、富邦证券、富邦银行、富邦人寿、富邦华一银行及富邦银行（香港）等，集团于2001年12月19日正式成立，可为客户提供覆盖全业态的综合金融服务。
第一公民银行控股公司是美国本土银行控股企业，总部位于罗德岛州普罗维登斯，旗下拥有国民公民银行，业务覆盖美国康涅狄格、特拉华、佛罗里达、马里兰、马萨诸塞、密歇根、新罕布什尔、新泽西、纽约、俄亥俄、宾夕法尼亚、罗德岛、佛蒙特、弗吉尼亚等14个州及华盛顿哥伦比亚特区。
FBK vs FCNCA — 直观对比
营收规模更大
FCNCA
是对方的6.1倍
$178.6M
营收增速更快
FBK
高出33.5%
3.5%
净利率更高
FCNCA
高出17.2%
31.9%
两年增速更快
FBK
近两年复合增速
-33.5%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $178.6M | $1.1B |
| 净利润 | $57.0M | $534.0M |
| 毛利率 | — | — |
| 营业利润率 | 39.1% | — |
| 净利率 | 31.9% | 49.1% |
| 营收同比 | 37.0% | 3.5% |
| 净利润同比 | 50.4% | 10.6% |
| 每股收益（稀释后） | $1.12 | $42.63 |
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FBKFCNCA
| Q1 26 | — | $1.1B | ||
| Q4 25 | $178.6M | $2.4B | ||
| Q3 25 | $173.9M | $2.4B | ||
| Q2 25 | $76.9M | $2.4B | ||
| Q1 25 | $130.7M | $2.3B | ||
| Q4 24 | $130.4M | $2.4B | ||
| Q3 24 | $89.5M | $2.4B | ||
| Q2 24 | $128.2M | $2.5B |
净利润FBKFCNCA
| Q1 26 | — | $534.0M | ||
| Q4 25 | $57.0M | $580.0M | ||
| Q3 25 | $23.4M | $568.0M | ||
| Q2 25 | $2.9M | $575.0M | ||
| Q1 25 | $39.4M | $483.0M | ||
| Q4 24 | $37.9M | $700.0M | ||
| Q3 24 | $10.2M | $639.0M | ||
| Q2 24 | $40.0M | $707.0M |
营业利润率FBKFCNCA
| Q1 26 | — | — | ||
| Q4 25 | 39.1% | 33.3% | ||
| Q3 25 | 17.0% | 30.9% | ||
| Q2 25 | -12.7% | 31.9% | ||
| Q1 25 | 37.4% | 28.3% | ||
| Q4 24 | 38.4% | 30.6% | ||
| Q3 24 | 12.7% | 35.7% | ||
| Q2 24 | 39.7% | 39.8% |
净利率FBKFCNCA
| Q1 26 | — | 49.1% | ||
| Q4 25 | 31.9% | 23.8% | ||
| Q3 25 | 13.4% | 23.3% | ||
| Q2 25 | 3.8% | 24.2% | ||
| Q1 25 | 30.1% | 21.0% | ||
| Q4 24 | 29.1% | 29.1% | ||
| Q3 24 | 11.4% | 26.1% | ||
| Q2 24 | 31.2% | 28.7% |
每股收益（稀释后）FBKFCNCA
| Q1 26 | — | $42.63 | ||
| Q4 25 | $1.12 | $45.33 | ||
| Q3 25 | $0.43 | $43.08 | ||
| Q2 25 | $0.06 | $42.36 | ||
| Q1 25 | $0.84 | $34.47 | ||
| Q4 24 | $0.82 | $49.19 | ||
| Q3 24 | $0.22 | $43.42 | ||
| Q2 24 | $0.85 | $47.54 |
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 | $1.2B | — |
| 总债务越低越好 | $212.8M | $34.0B |
| 股东权益账面价值 | $1.9B | $22.0B |
| 总资产 | $16.3B | $236.0B |
| 负债/权益比越低杠杆越低 | 0.11× | 1.54× |
8季度趋势，按日历期对齐
现金及短期投资FBKFCNCA
| Q1 26 | — | — | ||
| Q4 25 | $1.2B | — | ||
| Q3 25 | $1.3B | — | ||
| Q2 25 | $1.2B | — | ||
| Q1 25 | $794.7M | — | ||
| Q4 24 | $1.0B | — | ||
| Q3 24 | $951.8M | — | ||
| Q2 24 | $800.9M | — |
总债务FBKFCNCA
| Q1 26 | — | $34.0B | ||
| Q4 25 | $212.8M | $35.8B | ||
| Q3 25 | $213.6M | $38.3B | ||
| Q2 25 | — | $37.6B | ||
| Q1 25 | — | $38.0B | ||
| Q4 24 | $176.8M | $36.7B | ||
| Q3 24 | — | $36.8B | ||
| Q2 24 | — | $37.1B |
股东权益FBKFCNCA
| Q1 26 | — | $22.0B | ||
| Q4 25 | $1.9B | $22.2B | ||
| Q3 25 | $2.0B | $22.0B | ||
| Q2 25 | $1.6B | $22.3B | ||
| Q1 25 | $1.6B | $22.3B | ||
| Q4 24 | $1.6B | $22.2B | ||
| Q3 24 | $1.6B | $22.8B | ||
| Q2 24 | $1.5B | $22.5B |
总资产FBKFCNCA
| Q1 26 | — | $236.0B | ||
| Q4 25 | $16.3B | $229.7B | ||
| Q3 25 | $16.2B | $233.5B | ||
| Q2 25 | $13.4B | $229.7B | ||
| Q1 25 | $13.1B | $228.8B | ||
| Q4 24 | $13.2B | $223.7B | ||
| Q3 24 | $12.9B | $220.6B | ||
| Q2 24 | $12.5B | $219.8B |
负债/权益比FBKFCNCA
| Q1 26 | — | 1.54× | ||
| Q4 25 | 0.11× | 1.61× | ||
| Q3 25 | 0.11× | 1.74× | ||
| Q2 25 | — | 1.69× | ||
| Q1 25 | — | 1.70× | ||
| Q4 24 | 0.11× | 1.65× | ||
| Q3 24 | — | 1.61× | ||
| Q2 24 | — | 1.65× |
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 | $155.9M | — |
| 自由现金流经营现金流 - 资本支出 | $147.0M | — |
| 自由现金流率自由现金流/营收 | 82.3% | — |
| 资本支出强度资本支出/营收 | 5.0% | — |
| 现金转化率经营现金流/净利润 | 2.74× | — |
| 过去12个月自由现金流最近4个季度 | $242.8M | — |
8季度趋势，按日历期对齐
经营现金流FBKFCNCA
| Q1 26 | — | — | ||
| Q4 25 | $155.9M | $1.1B | ||
| Q3 25 | $47.7M | $916.0M | ||
| Q2 25 | $71.8M | $859.0M | ||
| Q1 25 | $-16.5M | $98.0M | ||
| Q4 24 | $138.8M | $1.1B | ||
| Q3 24 | $57.8M | $991.0M | ||
| Q2 24 | $30.6M | $417.0M |
自由现金流FBKFCNCA
| Q1 26 | — | — | ||
| Q4 25 | $147.0M | $807.0M | ||
| Q3 25 | $45.6M | $678.0M | ||
| Q2 25 | $68.4M | $733.0M | ||
| Q1 25 | $-18.1M | $-5.0M | ||
| Q4 24 | $132.3M | $991.0M | ||
| Q3 24 | $56.7M | $885.0M | ||
| Q2 24 | $28.4M | $316.0M |
自由现金流率FBKFCNCA
| Q1 26 | — | — | ||
| Q4 25 | 82.3% | 33.1% | ||
| Q3 25 | 26.2% | 27.9% | ||
| Q2 25 | 89.0% | 30.9% | ||
| Q1 25 | -13.9% | -0.2% | ||
| Q4 24 | 101.4% | 41.2% | ||
| Q3 24 | 63.3% | 36.2% | ||
| Q2 24 | 22.1% | 12.8% |
资本支出强度FBKFCNCA
| Q1 26 | — | — | ||
| Q4 25 | 5.0% | 10.0% | ||
| Q3 25 | 1.2% | 9.8% | ||
| Q2 25 | 4.4% | 5.3% | ||
| Q1 25 | 1.3% | 4.5% | ||
| Q4 24 | 5.0% | 5.3% | ||
| Q3 24 | 1.2% | 4.3% | ||
| Q2 24 | 1.7% | 4.1% |
现金转化率FBKFCNCA
| Q1 26 | — | — | ||
| Q4 25 | 2.74× | 1.81× | ||
| Q3 25 | 2.04× | 1.61× | ||
| Q2 25 | 24.68× | 1.49× | ||
| Q1 25 | -0.42× | 0.20× | ||
| Q4 24 | 3.66× | 1.60× | ||
| Q3 24 | 5.65× | 1.55× | ||
| Q2 24 | 0.77× | 0.59× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
