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FIRST CITIZENS BANCSHARES INC（FCNCA）与RUSH ENTERPRISES INC \TX\（RUSHA）财务数据对比。点击上方公司名可切换其他公司
RUSH ENTERPRISES INC \TX\的季度营收约是FIRST CITIZENS BANCSHARES INC的1.5倍（$1.7B vs $1.1B），FIRST CITIZENS BANCSHARES INC净利率更高（49.1% vs 3.7%，领先45.5%），FIRST CITIZENS BANCSHARES INC同比增速更快（3.5% vs -9.0%），过去两年RUSH ENTERPRISES INC \TX\的营收复合增速更高（-6.8% 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。
Rush Enterprises是总部位于美国得克萨斯州新布朗费尔斯的商用车经销商，核心业务是通过旗下Rush Truck Centers销售全新及二手卡车。2019年该公司在全美20个州运营超200家卡车中心，在加拿大设有14个网点，2020年入选财富500强榜单。
FCNCA vs RUSHA — 直观对比
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $1.7B |
| 净利润 | $534.0M | $61.7M |
| 毛利率 | — | 20.4% |
| 营业利润率 | — | 4.9% |
| 净利率 | 49.1% | 3.7% |
| 营收同比 | 3.5% | -9.0% |
| 净利润同比 | 10.6% | 1.8% |
| 每股收益（稀释后） | $42.63 | $0.77 |
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
| Q1 26 | $1.1B | $1.7B | ||
| Q4 25 | $2.4B | $1.7B | ||
| Q3 25 | $2.4B | $1.8B | ||
| Q2 25 | $2.4B | $1.8B | ||
| Q1 25 | $2.3B | $1.8B | ||
| Q4 24 | $2.4B | $1.9B | ||
| Q3 24 | $2.4B | $1.8B | ||
| Q2 24 | $2.5B | $1.9B |
| Q1 26 | $534.0M | $61.7M | ||
| Q4 25 | $580.0M | $64.3M | ||
| Q3 25 | $568.0M | $66.7M | ||
| Q2 25 | $575.0M | $72.4M | ||
| Q1 25 | $483.0M | $60.3M | ||
| Q4 24 | $700.0M | $74.8M | ||
| Q3 24 | $639.0M | $79.1M | ||
| Q2 24 | $707.0M | $78.7M |
| Q1 26 | — | 20.4% | ||
| Q4 25 | — | 20.8% | ||
| Q3 25 | — | 21.0% | ||
| Q2 25 | — | 20.7% | ||
| Q1 25 | — | 20.3% | ||
| Q4 24 | — | 19.3% | ||
| Q3 24 | — | 21.0% | ||
| Q2 24 | — | 20.2% |
| Q1 26 | — | 4.9% | ||
| Q4 25 | 33.3% | 5.5% | ||
| Q3 25 | 30.9% | 5.6% | ||
| Q2 25 | 31.9% | 6.0% | ||
| Q1 25 | 28.3% | 5.2% | ||
| Q4 24 | 30.6% | 5.8% | ||
| Q3 24 | 35.7% | 6.7% | ||
| Q2 24 | 39.8% | 6.4% |
| Q1 26 | 49.1% | 3.7% | ||
| Q4 25 | 23.8% | 3.8% | ||
| Q3 25 | 23.3% | 3.7% | ||
| Q2 25 | 24.2% | 3.9% | ||
| Q1 25 | 21.0% | 3.4% | ||
| Q4 24 | 29.1% | 3.9% | ||
| Q3 24 | 26.1% | 4.4% | ||
| Q2 24 | 28.7% | 4.1% |
| Q1 26 | $42.63 | $0.77 | ||
| Q4 25 | $45.33 | $0.81 | ||
| Q3 25 | $43.08 | $0.83 | ||
| Q2 25 | $42.36 | $0.90 | ||
| Q1 25 | $34.47 | $0.73 | ||
| Q4 24 | $49.19 | $-95.13 | ||
| Q3 24 | $43.42 | $0.97 | ||
| Q2 24 | $47.54 | $97.00 |
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 | $277.8M |
| 股东权益账面价值 | $22.0B | $2.3B |
| 总资产 | $236.0B | $4.5B |
| 负债/权益比越低杠杆越低 | 1.54× | 0.12× |
8季度趋势，按日历期对齐
| Q1 26 | — | — | ||
| Q4 25 | — | $212.6M | ||
| Q3 25 | — | $242.0M | ||
| Q2 25 | — | $211.1M | ||
| Q1 25 | — | $228.7M | ||
| Q4 24 | — | $228.1M | ||
| Q3 24 | — | $185.1M | ||
| Q2 24 | — | $167.3M |
| Q1 26 | $34.0B | $277.8M | ||
| Q4 25 | $35.8B | $274.8M | ||
| Q3 25 | $38.3B | — | ||
| Q2 25 | $37.6B | — | ||
| Q1 25 | $38.0B | — | ||
| Q4 24 | $36.7B | $408.4M | ||
| Q3 24 | $36.8B | — | ||
| Q2 24 | $37.1B | — |
| Q1 26 | $22.0B | $2.3B | ||
| Q4 25 | $22.2B | $2.2B | ||
| Q3 25 | $22.0B | $2.2B | ||
| Q2 25 | $22.3B | $2.2B | ||
| Q1 25 | $22.3B | $2.2B | ||
| Q4 24 | $22.2B | $2.1B | ||
| Q3 24 | $22.8B | $2.1B | ||
| Q2 24 | $22.5B | $2.0B |
| Q1 26 | $236.0B | $4.5B | ||
| Q4 25 | $229.7B | $4.4B | ||
| Q3 25 | $233.5B | $4.6B | ||
| Q2 25 | $229.7B | $4.7B | ||
| Q1 25 | $228.8B | $4.7B | ||
| Q4 24 | $223.7B | $4.6B | ||
| Q3 24 | $220.6B | $4.6B | ||
| Q2 24 | $219.8B | $4.5B |
| Q1 26 | 1.54× | 0.12× | ||
| Q4 25 | 1.61× | 0.12× | ||
| Q3 25 | 1.74× | — | ||
| Q2 25 | 1.69× | — | ||
| Q1 25 | 1.70× | — | ||
| Q4 24 | 1.65× | 0.19× | ||
| 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 | — | — |
| 自由现金流经营现金流 - 资本支出 | — | $411.6M |
| 自由现金流率自由现金流/营收 | — | 24.4% |
| 资本支出强度资本支出/营收 | — | 2.0% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $828.4M |
8季度趋势，按日历期对齐
| Q1 26 | — | — | ||
| Q4 25 | $1.1B | $112.9M | ||
| Q3 25 | $916.0M | $367.8M | ||
| Q2 25 | $859.0M | $227.6M | ||
| Q1 25 | $98.0M | $153.5M | ||
| Q4 24 | $1.1B | $392.3M | ||
| Q3 24 | $991.0M | $111.7M | ||
| Q2 24 | $417.0M | $270.6M |
| Q1 26 | — | $411.6M | ||
| Q4 25 | $807.0M | $31.9M | ||
| Q3 25 | $678.0M | $271.2M | ||
| Q2 25 | $733.0M | $113.8M | ||
| Q1 25 | $-5.0M | $45.1M | ||
| Q4 24 | $991.0M | $263.5M | ||
| Q3 24 | $885.0M | $-20.0M | ||
| Q2 24 | $316.0M | $177.2M |
| Q1 26 | — | 24.4% | ||
| Q4 25 | 33.1% | 1.9% | ||
| Q3 25 | 27.9% | 15.2% | ||
| Q2 25 | 30.9% | 6.2% | ||
| Q1 25 | -0.2% | 2.6% | ||
| Q4 24 | 41.2% | 13.7% | ||
| Q3 24 | 36.2% | -1.1% | ||
| Q2 24 | 12.8% | 9.1% |
| Q1 26 | — | 2.0% | ||
| Q4 25 | 10.0% | 4.8% | ||
| Q3 25 | 9.8% | 5.4% | ||
| Q2 25 | 5.3% | 6.2% | ||
| Q1 25 | 4.5% | 6.2% | ||
| Q4 24 | 5.3% | 6.7% | ||
| Q3 24 | 4.3% | 7.3% | ||
| Q2 24 | 4.1% | 4.8% |
| Q1 26 | — | — | ||
| Q4 25 | 1.81× | 1.75× | ||
| Q3 25 | 1.61× | 5.51× | ||
| Q2 25 | 1.49× | 3.14× | ||
| Q1 25 | 0.20× | 2.55× | ||
| Q4 24 | 1.60× | 5.25× | ||
| Q3 24 | 1.55× | 1.41× | ||
| Q2 24 | 0.59× | 3.44× |
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
FCNCA
暂无分部数据
RUSHA
| New and used commercial vehicle sales | $955.1M | 57% |
| Aftermarket products and services sales | $627.2M | 37% |
| Lease and rental sales | $92.3M | 5% |
| Finance and insurance | $5.6M | 0% |
