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FIRST CITIZENS BANCSHARES INC（FCNCA）与TRINET GROUP, INC.（TNET）财务数据对比。点击上方公司名可切换其他公司
TRINET GROUP, INC.的季度营收约是FIRST CITIZENS BANCSHARES INC的1.1倍（$1.2B vs $1.1B），FIRST CITIZENS BANCSHARES INC同比增速更快（3.5% vs -2.2%），过去两年TRINET GROUP, INC.的营收复合增速更高（-0.6% 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。
TriNet Group, Inc.是一家面向中小企业的专业雇主组织，总部位于加州都柏林，服务员工规模在3至2500人之间的各类机构。可提供薪资管理、健康福利管理服务，还能为客户提供劳动法规合规、风险降低相关咨询，可作为外包人力资源部门为企业分担人事相关事务。
FCNCA vs TNET — 直观对比
营收规模更大
TNET
是对方的1.1倍
$1.1B
营收增速更快
FCNCA
高出5.7%
-2.2%
两年增速更快
TNET
近两年复合增速
-33.5%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $1.2B |
| 净利润 | $534.0M | — |
| 毛利率 | — | — |
| 营业利润率 | — | 0.1% |
| 净利率 | 49.1% | — |
| 营收同比 | 3.5% | -2.2% |
| 净利润同比 | 10.6% | — |
| 每股收益（稀释后） | $42.63 | $0.02 |
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FCNCATNET
| Q1 26 | $1.1B | — | ||
| Q4 25 | $2.4B | $1.2B | ||
| Q3 25 | $2.4B | $1.2B | ||
| Q2 25 | $2.4B | $1.2B | ||
| Q1 25 | $2.3B | $1.3B | ||
| Q4 24 | $2.4B | $1.3B | ||
| Q3 24 | $2.4B | $1.2B | ||
| Q2 24 | $2.5B | $1.2B |
净利润FCNCATNET
| Q1 26 | $534.0M | — | ||
| Q4 25 | $580.0M | — | ||
| Q3 25 | $568.0M | $34.0M | ||
| Q2 25 | $575.0M | $37.0M | ||
| Q1 25 | $483.0M | $85.0M | ||
| Q4 24 | $700.0M | — | ||
| Q3 24 | $639.0M | $45.0M | ||
| Q2 24 | $707.0M | $60.0M |
营业利润率FCNCATNET
| Q1 26 | — | — | ||
| Q4 25 | 33.3% | 0.1% | ||
| Q3 25 | 30.9% | 4.1% | ||
| Q2 25 | 31.9% | 4.1% | ||
| Q1 25 | 28.3% | 8.9% | ||
| Q4 24 | 30.6% | -2.9% | ||
| Q3 24 | 35.7% | 4.7% | ||
| Q2 24 | 39.8% | 6.5% |
净利率FCNCATNET
| Q1 26 | 49.1% | — | ||
| Q4 25 | 23.8% | — | ||
| Q3 25 | 23.3% | 2.8% | ||
| Q2 25 | 24.2% | 3.0% | ||
| Q1 25 | 21.0% | 6.6% | ||
| Q4 24 | 29.1% | — | ||
| Q3 24 | 26.1% | 3.6% | ||
| Q2 24 | 28.7% | 4.9% |
每股收益（稀释后）FCNCATNET
| Q1 26 | $42.63 | — | ||
| Q4 25 | $45.33 | $0.02 | ||
| Q3 25 | $43.08 | $0.70 | ||
| Q2 25 | $42.36 | $0.77 | ||
| Q1 25 | $34.47 | $1.71 | ||
| Q4 24 | $49.19 | $-0.44 | ||
| Q3 24 | $43.42 | $0.89 | ||
| Q2 24 | $47.54 | $1.20 |
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 | — | $287.0M |
| 总债务越低越好 | $34.0B | — |
| 股东权益账面价值 | $22.0B | $54.0M |
| 总资产 | $236.0B | $3.8B |
| 负债/权益比越低杠杆越低 | 1.54× | — |
8季度趋势，按日历期对齐
现金及短期投资FCNCATNET
| Q1 26 | — | — | ||
| Q4 25 | — | $287.0M | ||
| Q3 25 | — | $321.0M | ||
| Q2 25 | — | $407.0M | ||
| Q1 25 | — | $349.0M | ||
| Q4 24 | — | $360.0M | ||
| Q3 24 | — | $301.0M | ||
| Q2 24 | — | $249.0M |
总债务FCNCATNET
| 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FCNCATNET
| Q1 26 | $22.0B | — | ||
| Q4 25 | $22.2B | $54.0M | ||
| Q3 25 | $22.0B | $110.0M | ||
| Q2 25 | $22.3B | $107.0M | ||
| Q1 25 | $22.3B | $63.0M | ||
| Q4 24 | $22.2B | $69.0M | ||
| Q3 24 | $22.8B | $129.0M | ||
| Q2 24 | $22.5B | $100.0M |
总资产FCNCATNET
| Q1 26 | $236.0B | — | ||
| Q4 25 | $229.7B | $3.8B | ||
| Q3 25 | $233.5B | $3.4B | ||
| Q2 25 | $229.7B | $3.7B | ||
| Q1 25 | $228.8B | $3.8B | ||
| Q4 24 | $223.7B | $4.1B | ||
| Q3 24 | $220.6B | $3.7B | ||
| Q2 24 | $219.8B | $3.7B |
负债/权益比FCNCATNET
| 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 | — | $61.0M |
| 自由现金流经营现金流 - 资本支出 | — | $43.0M |
| 自由现金流率自由现金流/营收 | — | 3.4% |
| 资本支出强度资本支出/营收 | — | 1.4% |
| 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 | — | $234.0M |
8季度趋势，按日历期对齐
经营现金流FCNCATNET
| Q1 26 | — | — | ||
| Q4 25 | $1.1B | $61.0M | ||
| Q3 25 | $916.0M | $72.0M | ||
| Q2 25 | $859.0M | $75.0M | ||
| Q1 25 | $98.0M | $95.0M | ||
| Q4 24 | $1.1B | $65.0M | ||
| Q3 24 | $991.0M | $84.0M | ||
| Q2 24 | $417.0M | $39.0M |
自由现金流FCNCATNET
| Q1 26 | — | — | ||
| Q4 25 | $807.0M | $43.0M | ||
| Q3 25 | $678.0M | $55.0M | ||
| Q2 25 | $733.0M | $57.0M | ||
| Q1 25 | $-5.0M | $79.0M | ||
| Q4 24 | $991.0M | $47.0M | ||
| Q3 24 | $885.0M | $59.0M | ||
| Q2 24 | $316.0M | $22.0M |
自由现金流率FCNCATNET
| Q1 26 | — | — | ||
| Q4 25 | 33.1% | 3.4% | ||
| Q3 25 | 27.9% | 4.5% | ||
| Q2 25 | 30.9% | 4.6% | ||
| Q1 25 | -0.2% | 6.1% | ||
| Q4 24 | 41.2% | 3.7% | ||
| Q3 24 | 36.2% | 4.8% | ||
| Q2 24 | 12.8% | 1.8% |
资本支出强度FCNCATNET
| Q1 26 | — | — | ||
| Q4 25 | 10.0% | 1.4% | ||
| Q3 25 | 9.8% | 1.4% | ||
| Q2 25 | 5.3% | 1.5% | ||
| Q1 25 | 4.5% | 1.2% | ||
| Q4 24 | 5.3% | 1.4% | ||
| Q3 24 | 4.3% | 2.0% | ||
| Q2 24 | 4.1% | 1.4% |
现金转化率FCNCATNET
| Q1 26 | — | — | ||
| Q4 25 | 1.81× | — | ||
| Q3 25 | 1.61× | 2.12× | ||
| Q2 25 | 1.49× | 2.03× | ||
| Q1 25 | 0.20× | 1.12× | ||
| Q4 24 | 1.60× | — | ||
| Q3 24 | 1.55× | 1.87× | ||
| Q2 24 | 0.59× | 0.65× |
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
TNET
| Insurance Services | $1.1B | 85% |
| Professional Services | $169.0M | 14% |
