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FIRST CITIZENS BANCSHARES INC（FCNCA）与UNITED COMMUNITY BANKS INC（UCB）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UNITED COMMUNITY BANKS INC的3.9倍（$1.1B vs $276.5M）。FIRST CITIZENS BANCSHARES INC净利率更高（49.1% vs 30.5%，领先18.6%）。UNITED COMMUNITY BANKS INC同比增速更快（11.6% vs 3.5%）。过去两年UNITED COMMUNITY BANKS INC的营收复合增速更高（8.9% 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。
联合社区银行是美国的金融机构，为美国东南部规模领先的全服务金融机构之一，总资产达277亿美元，在阿拉巴马州、佛罗里达州、佐治亚州、北卡罗来纳州、南卡罗来纳州和田纳西州设有200个营业网点，同时也是总部位于南卡罗来纳州的总资产规模最大的银行。
FCNCA vs UCB — 直观对比
营收规模更大
FCNCA
是对方的3.9倍
$276.5M
营收增速更快
UCB
高出8.2%
3.5%
净利率更高
FCNCA
高出18.6%
30.5%
两年增速更快
UCB
近两年复合增速
-33.5%
损益表 — Q1 2026 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $276.5M |
| 净利润 | $534.0M | $84.3M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 49.1% | 30.5% |
| 营收同比 | 3.5% | 11.6% |
| 净利润同比 | 10.6% | 18.0% |
| 每股收益（稀释后） | $42.63 | $0.69 |
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FCNCAUCB
| Q1 26 | $1.1B | $276.5M | ||
| Q4 25 | $2.4B | $278.4M | ||
| Q3 25 | $2.4B | $276.8M | ||
| Q2 25 | $2.4B | $260.2M | ||
| Q1 25 | $2.3B | $247.7M | ||
| Q4 24 | $2.4B | $239.5M | ||
| Q3 24 | $2.4B | $202.8M | ||
| Q2 24 | $2.5B | $233.0M |
净利润FCNCAUCB
| Q1 26 | $534.0M | $84.3M | ||
| Q4 25 | $580.0M | $86.5M | ||
| Q3 25 | $568.0M | $91.5M | ||
| Q2 25 | $575.0M | $78.7M | ||
| Q1 25 | $483.0M | $71.4M | ||
| Q4 24 | $700.0M | $75.8M | ||
| Q3 24 | $639.0M | $47.3M | ||
| Q2 24 | $707.0M | $66.6M |
营业利润率FCNCAUCB
| Q1 26 | — | — | ||
| Q4 25 | 33.3% | 40.5% | ||
| Q3 25 | 30.9% | 42.6% | ||
| Q2 25 | 31.9% | 38.6% | ||
| Q1 25 | 28.3% | 36.8% | ||
| Q4 24 | 30.6% | 40.3% | ||
| Q3 24 | 35.7% | 29.5% | ||
| Q2 24 | 39.8% | 36.9% |
净利率FCNCAUCB
| Q1 26 | 49.1% | 30.5% | ||
| Q4 25 | 23.8% | 31.1% | ||
| Q3 25 | 23.3% | 33.0% | ||
| Q2 25 | 24.2% | 30.3% | ||
| Q1 25 | 21.0% | 28.8% | ||
| Q4 24 | 29.1% | 31.7% | ||
| Q3 24 | 26.1% | 23.3% | ||
| Q2 24 | 28.7% | 28.6% |
每股收益（稀释后）FCNCAUCB
| Q1 26 | $42.63 | $0.69 | ||
| Q4 25 | $45.33 | $0.71 | ||
| Q3 25 | $43.08 | $0.70 | ||
| Q2 25 | $42.36 | $0.63 | ||
| Q1 25 | $34.47 | $0.58 | ||
| Q4 24 | $49.19 | $0.61 | ||
| Q3 24 | $43.42 | $0.38 | ||
| Q2 24 | $47.54 | $0.54 |
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 | — | $493.1M |
| 总债务越低越好 | $34.0B | $205.5M |
| 股东权益账面价值 | $22.0B | $3.7B |
| 总资产 | $236.0B | $28.2M |
| 负债/权益比越低杠杆越低 | 1.54× | 0.06× |
8季度趋势，按日历期对齐
现金及短期投资FCNCAUCB
| Q1 26 | — | $493.1M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
总债务FCNCAUCB
| Q1 26 | $34.0B | $205.5M | ||
| Q4 25 | $35.8B | $120.4M | ||
| Q3 25 | $38.3B | $155.3M | ||
| Q2 25 | $37.6B | $155.1M | ||
| Q1 25 | $38.0B | $254.3M | ||
| Q4 24 | $36.7B | $254.2M | ||
| Q3 24 | $36.8B | $316.4M | ||
| Q2 24 | $37.1B | $324.9M |
股东权益FCNCAUCB
| Q1 26 | $22.0B | $3.7B | ||
| Q4 25 | $22.2B | $3.6B | ||
| Q3 25 | $22.0B | $3.6B | ||
| Q2 25 | $22.3B | $3.6B | ||
| Q1 25 | $22.3B | $3.5B | ||
| Q4 24 | $22.2B | $3.4B | ||
| Q3 24 | $22.8B | $3.4B | ||
| Q2 24 | $22.5B | $3.3B |
总资产FCNCAUCB
| Q1 26 | $236.0B | $28.2M | ||
| Q4 25 | $229.7B | $28.0B | ||
| Q3 25 | $233.5B | $28.1B | ||
| Q2 25 | $229.7B | $28.1B | ||
| Q1 25 | $228.8B | $27.9B | ||
| Q4 24 | $223.7B | $27.7B | ||
| Q3 24 | $220.6B | $27.4B | ||
| Q2 24 | $219.8B | $27.1B |
负债/权益比FCNCAUCB
| Q1 26 | 1.54× | 0.06× | ||
| Q4 25 | 1.61× | 0.03× | ||
| Q3 25 | 1.74× | 0.04× | ||
| Q2 25 | 1.69× | 0.04× | ||
| Q1 25 | 1.70× | 0.07× | ||
| Q4 24 | 1.65× | 0.07× | ||
| Q3 24 | 1.61× | 0.09× | ||
| Q2 24 | 1.65× | 0.10× |
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
UCB
| Deposits | $98.0M | 35% |
| Investment securities, including tax exempt of $1,646 and $1,678, respectively | $45.3M | 16% |
| Money market | $40.7M | 15% |
| Time | $28.7M | 10% |
| NOW and interest-bearing demand | $28.1M | 10% |
| Service charges and fees | $9.5M | 3% |
| Other | $8.0M | 3% |
| Mortgage loan gains and other related fees | $8.0M | 3% |
| Wealth management fees | $4.6M | 2% |
| Lending and loan servicing fees | $4.0M | 1% |
| Deposits in banks and short-term investments | $1.2M | 0% |
| Securities gains, net | $133.0K | 0% |
