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FIRST CITIZENS BANCSHARES INC（FCNCA）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
FIRST CITIZENS BANCSHARES INC的季度营收约是REPUBLIC BANCORP INC的11.5倍（$1.1B vs $94.3M），FIRST CITIZENS BANCSHARES INC净利率更高（49.1% vs 24.2%，领先24.9%），REPUBLIC BANCORP INC同比增速更快（5.3% vs 3.5%），过去两年REPUBLIC BANCORP INC的营收复合增速更高（-11.5% 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。
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。
FCNCA vs RBCAA — 直观对比
营收规模更大
FCNCA
是对方的11.5倍
$94.3M
营收增速更快
RBCAA
高出1.8%
3.5%
净利率更高
FCNCA
高出24.9%
24.2%
两年增速更快
RBCAA
近两年复合增速
-33.5%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $94.3M |
| 净利润 | $534.0M | $22.8M |
| 毛利率 | — | — |
| 营业利润率 | — | 29.3% |
| 净利率 | 49.1% | 24.2% |
| 营收同比 | 3.5% | 5.3% |
| 净利润同比 | 10.6% | 20.0% |
| 每股收益（稀释后） | $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FCNCARBCAA
| Q1 26 | $1.1B | — | ||
| Q4 25 | $2.4B | $94.3M | ||
| Q3 25 | $2.4B | $93.5M | ||
| Q2 25 | $2.4B | $93.8M | ||
| Q1 25 | $2.3B | $135.8M | ||
| Q4 24 | $2.4B | $89.5M | ||
| Q3 24 | $2.4B | $88.1M | ||
| Q2 24 | $2.5B | $86.9M |
净利润FCNCARBCAA
| Q1 26 | $534.0M | — | ||
| Q4 25 | $580.0M | $22.8M | ||
| Q3 25 | $568.0M | $29.7M | ||
| Q2 25 | $575.0M | $31.5M | ||
| Q1 25 | $483.0M | $47.3M | ||
| Q4 24 | $700.0M | $19.0M | ||
| Q3 24 | $639.0M | $26.5M | ||
| Q2 24 | $707.0M | $25.2M |
营业利润率FCNCARBCAA
| Q1 26 | — | — | ||
| Q4 25 | 33.3% | 29.3% | ||
| Q3 25 | 30.9% | 40.4% | ||
| Q2 25 | 31.9% | 43.0% | ||
| Q1 25 | 28.3% | 44.1% | ||
| Q4 24 | 30.6% | 25.8% | ||
| Q3 24 | 35.7% | 38.4% | ||
| Q2 24 | 39.8% | 37.0% |
净利率FCNCARBCAA
| Q1 26 | 49.1% | — | ||
| Q4 25 | 23.8% | 24.2% | ||
| Q3 25 | 23.3% | 31.8% | ||
| Q2 25 | 24.2% | 33.5% | ||
| Q1 25 | 21.0% | 34.8% | ||
| Q4 24 | 29.1% | 21.2% | ||
| Q3 24 | 26.1% | 30.1% | ||
| Q2 24 | 28.7% | 29.0% |
每股收益（稀释后）FCNCARBCAA
| Q1 26 | $42.63 | — | ||
| Q4 25 | $45.33 | — | ||
| Q3 25 | $43.08 | — | ||
| Q2 25 | $42.36 | — | ||
| Q1 25 | $34.47 | — | ||
| Q4 24 | $49.19 | — | ||
| Q3 24 | $43.42 | — | ||
| Q2 24 | $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 | — | $220.0M |
| 总债务越低越好 | $34.0B | — |
| 股东权益账面价值 | $22.0B | $1.1B |
| 总资产 | $236.0B | $7.0B |
| 负债/权益比越低杠杆越低 | 1.54× | — |
8季度趋势，按日历期对齐
现金及短期投资FCNCARBCAA
| Q1 26 | — | — | ||
| Q4 25 | — | $220.0M | ||
| Q3 25 | — | $484.2M | ||
| Q2 25 | — | $484.8M | ||
| Q1 25 | — | $793.0M | ||
| Q4 24 | — | $432.2M | ||
| Q3 24 | — | $530.9M | ||
| Q2 24 | — | $400.1M |
总债务FCNCARBCAA
| 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FCNCARBCAA
| Q1 26 | $22.0B | — | ||
| Q4 25 | $22.2B | $1.1B | ||
| Q3 25 | $22.0B | $1.1B | ||
| Q2 25 | $22.3B | $1.1B | ||
| Q1 25 | $22.3B | $1.0B | ||
| Q4 24 | $22.2B | $992.0M | ||
| Q3 24 | $22.8B | $979.7M | ||
| Q2 24 | $22.5B | $955.4M |
总资产FCNCARBCAA
| Q1 26 | $236.0B | — | ||
| Q4 25 | $229.7B | $7.0B | ||
| Q3 25 | $233.5B | $7.0B | ||
| Q2 25 | $229.7B | $7.0B | ||
| Q1 25 | $228.8B | $7.1B | ||
| Q4 24 | $223.7B | $6.8B | ||
| Q3 24 | $220.6B | $6.7B | ||
| Q2 24 | $219.8B | $6.6B |
负债/权益比FCNCARBCAA
| 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 | — | $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FCNCARBCAA
| Q1 26 | — | — | ||
| Q4 25 | $1.1B | $168.2M | ||
| Q3 25 | $916.0M | $33.3M | ||
| Q2 25 | $859.0M | $8.4M | ||
| Q1 25 | $98.0M | $93.2M | ||
| Q4 24 | $1.1B | $149.0M | ||
| Q3 24 | $991.0M | $51.3M | ||
| Q2 24 | $417.0M | $4.0M |
自由现金流FCNCARBCAA
| Q1 26 | — | — | ||
| Q4 25 | $807.0M | $161.1M | ||
| Q3 25 | $678.0M | $30.8M | ||
| Q2 25 | $733.0M | $5.2M | ||
| Q1 25 | $-5.0M | $91.6M | ||
| Q4 24 | $991.0M | $143.2M | ||
| Q3 24 | $885.0M | $49.8M | ||
| Q2 24 | $316.0M | $2.7M |
自由现金流率FCNCARBCAA
| Q1 26 | — | — | ||
| Q4 25 | 33.1% | 170.9% | ||
| Q3 25 | 27.9% | 32.9% | ||
| Q2 25 | 30.9% | 5.5% | ||
| Q1 25 | -0.2% | 67.4% | ||
| Q4 24 | 41.2% | 160.0% | ||
| Q3 24 | 36.2% | 56.5% | ||
| Q2 24 | 12.8% | 3.1% |
资本支出强度FCNCARBCAA
| Q1 26 | — | — | ||
| Q4 25 | 10.0% | 7.5% | ||
| Q3 25 | 9.8% | 2.6% | ||
| Q2 25 | 5.3% | 3.5% | ||
| Q1 25 | 4.5% | 1.2% | ||
| Q4 24 | 5.3% | 6.5% | ||
| Q3 24 | 4.3% | 1.7% | ||
| Q2 24 | 4.1% | 1.5% |
现金转化率FCNCARBCAA
| Q1 26 | — | — | ||
| Q4 25 | 1.81× | 7.37× | ||
| Q3 25 | 1.61× | 1.12× | ||
| Q2 25 | 1.49× | 0.27× | ||
| Q1 25 | 0.20× | 1.97× | ||
| Q4 24 | 1.60× | 7.84× | ||
| Q3 24 | 1.55× | 1.93× | ||
| Q2 24 | 0.59× | 0.16× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
