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FIRST COMMONWEALTH FINANCIAL CORP（FCF）与National Bank Holdings Corp（NBHC）财务数据对比。点击上方公司名可切换其他公司
FIRST COMMONWEALTH FINANCIAL CORP的季度营收约是National Bank Holdings Corp的1.1倍（$133.7M vs $126.8M），FIRST COMMONWEALTH FINANCIAL CORP净利率更高（28.1% vs 16.4%，领先11.7%），过去两年National Bank Holdings Corp的营收复合增速更高（14.0% vs 5.5%）
第一联邦金融公司是总部位于美国宾夕法尼亚州的区域性金融服务控股企业，主要面向宾州中西部及俄亥俄州的个人、小型和中型企业提供零售与商业银行、财富管理、保险等多元金融产品和服务。
这是一家美国区域性银行控股集团，目前在伊利诺伊、印第安纳等八个美国州布局营业网点，拥有近250个金融服务中心与约200家零售分行，总资产达485亿美元。它是总部位于印第安纳州的最大银行控股公司，也跻身美国银行业三十强之列。
FCF vs NBHC — 直观对比
营收规模更大
FCF
是对方的1.1倍
$126.8M
净利率更高
FCF
高出11.7%
16.4%
两年增速更快
NBHC
近两年复合增速
5.5%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $133.7M | $126.8M |
| 净利润 | $37.5M | $20.8M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 28.1% | 16.4% |
| 营收同比 | 13.0% | — |
| 净利润同比 | -16.3% | -14.2% |
| 每股收益（稀释后） | $0.37 | $0.46 |
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FCFNBHC
| Q1 26 | $133.7M | $126.8M | ||
| Q4 25 | $137.9M | $100.6M | ||
| Q3 25 | $136.0M | $108.9M | ||
| Q2 25 | $131.0M | $104.5M | ||
| Q1 25 | $118.0M | $102.1M | ||
| Q4 24 | $120.4M | $101.3M | ||
| Q3 24 | $121.2M | $106.0M | ||
| Q2 24 | $120.2M | $97.6M |
净利润FCFNBHC
| Q1 26 | $37.5M | $20.8M | ||
| Q4 25 | $44.9M | $16.0M | ||
| Q3 25 | $41.3M | $35.3M | ||
| Q2 25 | $33.4M | $34.0M | ||
| Q1 25 | $32.7M | $24.2M | ||
| Q4 24 | $35.8M | $28.2M | ||
| Q3 24 | $32.1M | $33.1M | ||
| Q2 24 | $37.1M | $26.1M |
营业利润率FCFNBHC
| Q1 26 | — | — | ||
| Q4 25 | 40.9% | 19.0% | ||
| Q3 25 | 38.1% | 39.6% | ||
| Q2 25 | 32.1% | 39.8% | ||
| Q1 25 | 34.8% | 29.2% | ||
| Q4 24 | 37.1% | 34.3% | ||
| Q3 24 | 33.4% | 37.6% | ||
| Q2 24 | 38.7% | 32.5% |
净利率FCFNBHC
| Q1 26 | 28.1% | 16.4% | ||
| Q4 25 | 32.5% | 15.9% | ||
| Q3 25 | 30.4% | 32.4% | ||
| Q2 25 | 25.5% | 32.6% | ||
| Q1 25 | 27.7% | 23.7% | ||
| Q4 24 | 29.8% | 27.8% | ||
| Q3 24 | 26.5% | 31.2% | ||
| Q2 24 | 30.9% | 26.8% |
每股收益（稀释后）FCFNBHC
| Q1 26 | $0.37 | $0.46 | ||
| Q4 25 | $0.44 | $0.42 | ||
| Q3 25 | $0.39 | $0.92 | ||
| Q2 25 | $0.32 | $0.88 | ||
| Q1 25 | $0.32 | $0.63 | ||
| Q4 24 | $0.35 | $0.72 | ||
| Q3 24 | $0.31 | $0.86 | ||
| Q2 24 | $0.36 | $0.68 |
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 | — | $472.8M |
| 总债务越低越好 | $154.9M | $202.1M |
| 股东权益账面价值 | $1.6B | $1.7B |
| 总资产 | $12.3B | $12.6B |
| 负债/权益比越低杠杆越低 | 0.10× | 0.12× |
8季度趋势，按日历期对齐
现金及短期投资FCFNBHC
| Q1 26 | — | $472.8M | ||
| Q4 25 | — | $417.1M | ||
| Q3 25 | — | $555.6M | ||
| Q2 25 | — | $296.5M | ||
| Q1 25 | — | $246.3M | ||
| Q4 24 | — | $127.8M | ||
| Q3 24 | — | $180.8M | ||
| Q2 24 | — | $145.0M |
总债务FCFNBHC
| Q1 26 | $154.9M | $202.1M | ||
| Q4 25 | $261.7M | $54.5M | ||
| Q3 25 | $262.1M | $54.7M | ||
| Q2 25 | $262.4M | $54.4M | ||
| Q1 25 | $262.7M | $54.6M | ||
| Q4 24 | $263.0M | $54.5M | ||
| Q3 24 | $136.3M | $54.4M | ||
| Q2 24 | $136.6M | $54.4M |
股东权益FCFNBHC
| Q1 26 | $1.6B | $1.7B | ||
| Q4 25 | $1.6B | $1.4B | ||
| Q3 25 | $1.5B | $1.4B | ||
| Q2 25 | $1.5B | $1.4B | ||
| Q1 25 | $1.4B | $1.3B | ||
| Q4 24 | $1.4B | $1.3B | ||
| Q3 24 | $1.4B | $1.3B | ||
| Q2 24 | $1.4B | $1.2B |
总资产FCFNBHC
| Q1 26 | $12.3B | $12.6B | ||
| Q4 25 | $12.3B | $9.9B | ||
| Q3 25 | $12.3B | $10.2B | ||
| Q2 25 | $12.2B | $10.0B | ||
| Q1 25 | $11.8B | $10.1B | ||
| Q4 24 | $11.6B | $9.8B | ||
| Q3 24 | $12.0B | $10.0B | ||
| Q2 24 | $11.6B | $10.0B |
负债/权益比FCFNBHC
| Q1 26 | 0.10× | 0.12× | ||
| Q4 25 | 0.17× | 0.04× | ||
| Q3 25 | 0.17× | 0.04× | ||
| Q2 25 | 0.17× | 0.04× | ||
| Q1 25 | 0.18× | 0.04× | ||
| Q4 24 | 0.19× | 0.04× | ||
| Q3 24 | 0.10× | 0.04× | ||
| Q2 24 | 0.10× | 0.04× |
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
FCF
暂无分部数据
NBHC
| Net Interest Income | $108.8M | 86% |
| Noninterest Income | $18.0M | 14% |
