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FIRST CITIZENS BANCSHARES INC（FCNCA）与HERITAGE COMMERCE CORP（HTBK）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HERITAGE COMMERCE CORP的20.3倍（$1.1B vs $53.6M），FIRST CITIZENS BANCSHARES INC净利率更高（49.1% vs 28.2%，领先20.9%），HERITAGE COMMERCE CORP同比增速更快（15.6% vs 3.5%），过去两年HERITAGE COMMERCE CORP的营收复合增速更高（12.8% vs -33.5%）
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。
本文介绍的企业主体信息与内容描述不符，描述内容实际为美国商会，该商会成立于1912年4月23日，是美国规模最大的游说类商业协会 advocacy 团体，成立之初得益于时任总统威廉·霍华德·塔夫脱与劳工商务部长查尔斯·内格尔推动，旨在代表工商界发声。
FCNCA vs HTBK — 直观对比
营收规模更大
FCNCA
是对方的20.3倍
$53.6M
营收增速更快
HTBK
高出12.2%
3.5%
净利率更高
FCNCA
高出20.9%
28.2%
两年增速更快
HTBK
近两年复合增速
-33.5%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $53.6M |
| 净利润 | $534.0M | $15.1M |
| 毛利率 | — | — |
| 营业利润率 | — | 41.0% |
| 净利率 | 49.1% | 28.2% |
| 营收同比 | 3.5% | 15.6% |
| 净利润同比 | 10.6% | 42.3% |
| 每股收益（稀释后） | $42.63 | $0.25 |
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FCNCAHTBK
| Q1 26 | $1.1B | — | ||
| Q4 25 | $2.4B | $53.6M | ||
| Q3 25 | $2.4B | $50.0M | ||
| Q2 25 | $2.4B | $47.8M | ||
| Q1 25 | $2.3B | $46.1M | ||
| Q4 24 | $2.4B | $46.4M | ||
| Q3 24 | $2.4B | $42.2M | ||
| Q2 24 | $2.5B | $41.7M |
净利润FCNCAHTBK
| Q1 26 | $534.0M | — | ||
| Q4 25 | $580.0M | $15.1M | ||
| Q3 25 | $568.0M | $14.7M | ||
| Q2 25 | $575.0M | $6.4M | ||
| Q1 25 | $483.0M | $11.6M | ||
| Q4 24 | $700.0M | $10.6M | ||
| Q3 24 | $639.0M | $10.5M | ||
| Q2 24 | $707.0M | $9.2M |
营业利润率FCNCAHTBK
| Q1 26 | — | — | ||
| Q4 25 | 33.3% | 41.0% | ||
| Q3 25 | 30.9% | 41.1% | ||
| Q2 25 | 31.9% | 18.7% | ||
| Q1 25 | 28.3% | 35.4% | ||
| Q4 24 | 30.6% | 31.8% | ||
| Q3 24 | 35.7% | 34.3% | ||
| Q2 24 | 39.8% | 31.3% |
净利率FCNCAHTBK
| Q1 26 | 49.1% | — | ||
| Q4 25 | 23.8% | 28.2% | ||
| Q3 25 | 23.3% | 29.4% | ||
| Q2 25 | 24.2% | 13.4% | ||
| Q1 25 | 21.0% | 25.2% | ||
| Q4 24 | 29.1% | 22.9% | ||
| Q3 24 | 26.1% | 24.9% | ||
| Q2 24 | 28.7% | 22.1% |
每股收益（稀释后）FCNCAHTBK
| Q1 26 | $42.63 | — | ||
| Q4 25 | $45.33 | $0.25 | ||
| Q3 25 | $43.08 | $0.24 | ||
| Q2 25 | $42.36 | $0.10 | ||
| Q1 25 | $34.47 | $0.19 | ||
| Q4 24 | $49.19 | $0.17 | ||
| Q3 24 | $43.42 | $0.17 | ||
| Q2 24 | $47.54 | $0.15 |
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 | $34.0B | — |
| 股东权益账面价值 | $22.0B | $708.6M |
| 总资产 | $236.0B | $5.8B |
| 负债/权益比越低杠杆越低 | 1.54× | — |
8季度趋势，按日历期对齐
总债务FCNCAHTBK
| Q1 26 | $34.0B | — | ||
| Q4 25 | $35.8B | — | ||
| Q3 25 | $38.3B | — | ||
| Q2 25 | $37.6B | — | ||
| Q1 25 | $38.0B | — | ||
| Q4 24 | $36.7B | — | ||
| Q3 24 | $36.8B | — | ||
| Q2 24 | $37.1B | — |
股东权益FCNCAHTBK
| Q1 26 | $22.0B | — | ||
| Q4 25 | $22.2B | $708.6M | ||
| Q3 25 | $22.0B | $700.0M | ||
| Q2 25 | $22.3B | $694.7M | ||
| Q1 25 | $22.3B | $696.2M | ||
| Q4 24 | $22.2B | $689.7M | ||
| Q3 24 | $22.8B | $685.4M | ||
| Q2 24 | $22.5B | $679.2M |
总资产FCNCAHTBK
| Q1 26 | $236.0B | — | ||
| Q4 25 | $229.7B | $5.8B | ||
| Q3 25 | $233.5B | $5.6B | ||
| Q2 25 | $229.7B | $5.5B | ||
| Q1 25 | $228.8B | $5.5B | ||
| Q4 24 | $223.7B | $5.6B | ||
| Q3 24 | $220.6B | $5.6B | ||
| Q2 24 | $219.8B | $5.3B |
负债/权益比FCNCAHTBK
| Q1 26 | 1.54× | — | ||
| Q4 25 | 1.61× | — | ||
| Q3 25 | 1.74× | — | ||
| Q2 25 | 1.69× | — | ||
| Q1 25 | 1.70× | — | ||
| Q4 24 | 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 | — | $61.7M |
| 自由现金流经营现金流 - 资本支出 | — | $61.3M |
| 自由现金流率自由现金流/营收 | — | 114.3% |
| 资本支出强度资本支出/营收 | — | 0.7% |
| 现金转化率经营现金流/净利润 | — | 4.08× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流FCNCAHTBK
| Q1 26 | — | — | ||
| Q4 25 | $1.1B | $61.7M | ||
| Q3 25 | $916.0M | $18.9M | ||
| Q2 25 | $859.0M | $8.0M | ||
| Q1 25 | $98.0M | $14.8M | ||
| Q4 24 | $1.1B | $39.0M | ||
| Q3 24 | $991.0M | $5.3M | ||
| Q2 24 | $417.0M | $10.5M |
自由现金流FCNCAHTBK
| Q1 26 | — | — | ||
| Q4 25 | $807.0M | $61.3M | ||
| Q3 25 | $678.0M | $18.8M | ||
| Q2 25 | $733.0M | — | ||
| Q1 25 | $-5.0M | — | ||
| Q4 24 | $991.0M | $37.3M | ||
| Q3 24 | $885.0M | $4.9M | ||
| Q2 24 | $316.0M | $9.9M |
自由现金流率FCNCAHTBK
| Q1 26 | — | — | ||
| Q4 25 | 33.1% | 114.3% | ||
| Q3 25 | 27.9% | 37.7% | ||
| Q2 25 | 30.9% | — | ||
| Q1 25 | -0.2% | — | ||
| Q4 24 | 41.2% | 80.5% | ||
| Q3 24 | 36.2% | 11.6% | ||
| Q2 24 | 12.8% | 23.6% |
资本支出强度FCNCAHTBK
| Q1 26 | — | — | ||
| Q4 25 | 10.0% | 0.7% | ||
| Q3 25 | 9.8% | 0.1% | ||
| Q2 25 | 5.3% | — | ||
| Q1 25 | 4.5% | — | ||
| Q4 24 | 5.3% | 3.5% | ||
| Q3 24 | 4.3% | 1.0% | ||
| Q2 24 | 4.1% | 1.6% |
现金转化率FCNCAHTBK
| Q1 26 | — | — | ||
| Q4 25 | 1.81× | 4.08× | ||
| Q3 25 | 1.61× | 1.28× | ||
| Q2 25 | 1.49× | 1.25× | ||
| Q1 25 | 0.20× | 1.28× | ||
| Q4 24 | 1.60× | 3.67× | ||
| Q3 24 | 1.55× | 0.50× | ||
| Q2 24 | 0.59× | 1.14× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
