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FIRST HORIZON CORP（FHN）与UMB FINANCIAL CORP（UMBF）财务数据对比。点击上方公司名可切换其他公司
FIRST HORIZON CORP的季度营收约是UMB FINANCIAL CORP的1.7倍（$888.0M vs $522.5M）。UMB FINANCIAL CORP净利率更高（41.2% vs 29.4%，领先11.8%）。UMB FINANCIAL CORP同比增速更快（94.3% vs 21.8%）。FIRST HORIZON CORP自由现金流更多（$389.0M vs $95.3M）。过去两年UMB FINANCIAL CORP的营收复合增速更高（47.7% vs 4.1%）
第一地平线公司（前身为第一田纳西银行）是一家成立于1864年的金融服务企业，总部位于美国田纳西州孟菲斯市。该公司通过旗下子公司第一地平线银行开展业务，网点覆盖美国东南部12个州，是该区域第四大区域性银行。
UMB金融集团是总部位于美国密苏里州堪萨斯城的金融服务机构，面向美国全境及爱尔兰的个人、企业与机构客户，提供多元化金融服务，涵盖支票、储蓄等存款产品，住房按揭、车贷、商贷、信用卡等信贷服务，以及投资与财富管理解决方案。
FHN vs UMBF — 直观对比
营收规模更大
FHN
是对方的1.7倍
$522.5M
营收增速更快
UMBF
高出72.4%
21.8%
净利率更高
UMBF
高出11.8%
29.4%
自由现金流更多
FHN
多$293.7M
$95.3M
两年增速更快
UMBF
近两年复合增速
4.1%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $888.0M | $522.5M |
| 净利润 | $261.0M | $215.4M |
| 毛利率 | — | — |
| 营业利润率 | 38.5% | 51.7% |
| 净利率 | 29.4% | 41.2% |
| 营收同比 | 21.8% | 94.3% |
| 净利润同比 | 57.2% | 79.5% |
| 每股收益（稀释后） | $0.51 | $2.90 |
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FHNUMBF
| Q4 25 | $888.0M | $522.5M | ||
| Q3 25 | $889.0M | $475.0M | ||
| Q2 25 | $830.0M | $467.0M | ||
| Q1 25 | $812.0M | $397.6M | ||
| Q4 24 | $729.0M | $269.0M | ||
| Q3 24 | $827.0M | $247.4M | ||
| Q2 24 | $9.0M | $245.1M | ||
| Q1 24 | $819.0M | $239.4M |
净利润FHNUMBF
| Q4 25 | $261.0M | $215.4M | ||
| Q3 25 | $262.0M | $188.3M | ||
| Q2 25 | $241.0M | $217.4M | ||
| Q1 25 | $218.0M | $81.3M | ||
| Q4 24 | $166.0M | $120.0M | ||
| Q3 24 | $218.0M | $109.6M | ||
| Q2 24 | $199.0M | $101.3M | ||
| Q1 24 | $192.0M | $110.3M |
营业利润率FHNUMBF
| Q4 25 | 38.5% | 51.7% | ||
| Q3 25 | 38.7% | 49.8% | ||
| Q2 25 | 37.2% | 58.9% | ||
| Q1 25 | 35.1% | 23.4% | ||
| Q4 24 | 28.8% | 53.8% | ||
| Q3 24 | 34.0% | 54.8% | ||
| Q2 24 | — | 51.8% | ||
| Q1 24 | 31.0% | 55.9% |
净利率FHNUMBF
| Q4 25 | 29.4% | 41.2% | ||
| Q3 25 | 29.5% | 39.6% | ||
| Q2 25 | 29.0% | 46.5% | ||
| Q1 25 | 26.8% | 20.5% | ||
| Q4 24 | 22.8% | 44.6% | ||
| Q3 24 | 26.4% | 44.3% | ||
| Q2 24 | 2211.1% | 41.3% | ||
| Q1 24 | 23.4% | 46.0% |
每股收益（稀释后）FHNUMBF
| Q4 25 | $0.51 | $2.90 | ||
| Q3 25 | $0.50 | $2.36 | ||
| Q2 25 | $0.45 | $2.82 | ||
| Q1 25 | $0.41 | $1.21 | ||
| Q4 24 | $0.29 | $2.44 | ||
| Q3 24 | $0.40 | $2.23 | ||
| Q2 24 | $0.34 | $2.07 | ||
| Q1 24 | $0.33 | $2.25 |
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 | — | $7.8B |
| 总债务越低越好 | — | $474.2M |
| 股东权益账面价值 | $8.8B | $7.7B |
| 总资产 | $83.9B | $73.1B |
| 负债/权益比越低杠杆越低 | — | 0.06× |
8季度趋势，按日历期对齐
现金及短期投资FHNUMBF
| Q4 25 | — | $7.8B | ||
| Q3 25 | — | $8.8B | ||
| Q2 25 | — | $11.0B | ||
| Q1 25 | — | $10.6B | ||
| Q4 24 | — | $8.4B | ||
| Q3 24 | — | $7.3B | ||
| Q2 24 | — | $5.0B | ||
| Q1 24 | — | $6.9B |
总债务FHNUMBF
| Q4 25 | — | $474.2M | ||
| Q3 25 | — | $471.3M | ||
| Q2 25 | — | $657.3M | ||
| Q1 25 | — | $654.4M | ||
| Q4 24 | — | $385.3M | ||
| Q3 24 | — | $384.8M | ||
| Q2 24 | — | $384.2M | ||
| Q1 24 | — | $383.7M |
股东权益FHNUMBF
| Q4 25 | $8.8B | $7.7B | ||
| Q3 25 | $8.9B | $7.4B | ||
| Q2 25 | $9.0B | $7.3B | ||
| Q1 25 | $8.7B | $6.7B | ||
| Q4 24 | $8.8B | $3.5B | ||
| Q3 24 | $9.0B | $3.5B | ||
| Q2 24 | $8.7B | $3.2B | ||
| Q1 24 | $8.9B | $3.2B |
总资产FHNUMBF
| Q4 25 | $83.9B | $73.1B | ||
| Q3 25 | $83.2B | $71.9B | ||
| Q2 25 | $82.1B | $71.8B | ||
| Q1 25 | $81.5B | $69.3B | ||
| Q4 24 | $82.2B | $50.4B | ||
| Q3 24 | $82.6B | $47.5B | ||
| Q2 24 | $82.2B | $44.5B | ||
| Q1 24 | $81.8B | $45.3B |
负债/权益比FHNUMBF
| Q4 25 | — | 0.06× | ||
| Q3 25 | — | 0.06× | ||
| Q2 25 | — | 0.09× | ||
| Q1 25 | — | 0.10× | ||
| Q4 24 | — | 0.11× | ||
| Q3 24 | — | 0.11× | ||
| Q2 24 | — | 0.12× | ||
| Q1 24 | — | 0.12× |
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 | $396.0M | $106.1M |
| 自由现金流经营现金流 - 资本支出 | $389.0M | $95.3M |
| 自由现金流率自由现金流/营收 | 43.8% | 18.2% |
| 资本支出强度资本支出/营收 | 0.8% | 2.1% |
| 现金转化率经营现金流/净利润 | 1.52× | 0.49× |
| 过去12个月自由现金流最近4个季度 | $595.0M | $978.1M |
8季度趋势，按日历期对齐
经营现金流FHNUMBF
| Q4 25 | $396.0M | $106.1M | ||
| Q3 25 | $-200.0M | $272.2M | ||
| Q2 25 | $83.0M | $285.4M | ||
| Q1 25 | $349.0M | $363.0M | ||
| Q4 24 | $191.0M | $-66.9M | ||
| Q3 24 | $389.0M | $123.6M | ||
| Q2 24 | $-150.0M | $112.4M | ||
| Q1 24 | $838.0M | $56.1M |
自由现金流FHNUMBF
| Q4 25 | $389.0M | $95.3M | ||
| Q3 25 | $-208.0M | $257.8M | ||
| Q2 25 | $74.0M | $270.8M | ||
| Q1 25 | $340.0M | $354.2M | ||
| Q4 24 | $174.0M | $-77.1M | ||
| Q3 24 | $383.0M | $117.7M | ||
| Q2 24 | $-161.0M | $106.7M | ||
| Q1 24 | $828.0M | $53.8M |
自由现金流率FHNUMBF
| Q4 25 | 43.8% | 18.2% | ||
| Q3 25 | -23.4% | 54.3% | ||
| Q2 25 | 8.9% | 58.0% | ||
| Q1 25 | 41.9% | 89.1% | ||
| Q4 24 | 23.9% | -28.6% | ||
| Q3 24 | 46.3% | 47.6% | ||
| Q2 24 | -1788.9% | 43.5% | ||
| Q1 24 | 101.1% | 22.5% |
资本支出强度FHNUMBF
| Q4 25 | 0.8% | 2.1% | ||
| Q3 25 | 0.9% | 3.0% | ||
| Q2 25 | 1.1% | 3.1% | ||
| Q1 25 | 1.1% | 2.2% | ||
| Q4 24 | 2.3% | 3.8% | ||
| Q3 24 | 0.7% | 2.4% | ||
| Q2 24 | 122.2% | 2.3% | ||
| Q1 24 | 1.2% | 1.0% |
现金转化率FHNUMBF
| Q4 25 | 1.52× | 0.49× | ||
| Q3 25 | -0.76× | 1.45× | ||
| Q2 25 | 0.34× | 1.31× | ||
| Q1 25 | 1.60× | 4.46× | ||
| Q4 24 | 1.15× | -0.56× | ||
| Q3 24 | 1.78× | 1.13× | ||
| Q2 24 | -0.75× | 1.11× | ||
| Q1 24 | 4.36× | 0.51× |
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
FHN
| Commercial Consumer And Wealth Segment | $776.0M | 87% |
| Other | $88.0M | 10% |
| Corporate | $24.0M | 3% |
UMBF
| Other | $256.7M | 49% |
| Institutional Banking | $107.2M | 21% |
| Commercial Banking | $44.0M | 8% |
| Personal Banking | $34.9M | 7% |
| Credit Card | $26.8M | 5% |
| Brokerage Fees | $17.8M | 3% |
| Deposit Account | $14.8M | 3% |
| Bankcard Fees | $12.8M | 2% |
| Trading And Investment Banking | $6.0M | 1% |
| Other Financial Services | $1.5M | 0% |
