vs
Fifth Third Bancorp（FITB）与HERITAGE COMMERCE CORP（HTBK）财务数据对比。点击上方公司名可切换其他公司
Fifth Third Bancorp的季度营收约是HERITAGE COMMERCE CORP的28.5倍（$1.5B vs $53.6M），Fifth Third Bancorp净利率更高（47.7% vs 28.2%，领先19.5%），HERITAGE COMMERCE CORP同比增速更快（15.6% vs 6.4%），Fifth Third Bancorp自由现金流更多（$765.0M vs $61.3M）
Fifth Third Bancorp是总部位于美国俄亥俄州辛辛那提的银行控股集团，为美国大型银行之一，位列《财富》美国500强第321位。旗下银行在全美12个州共运营1087家分行及2400台自动柜员机，服务覆盖多区域市场。
本文介绍的企业主体信息与内容描述不符，描述内容实际为美国商会，该商会成立于1912年4月23日，是美国规模最大的游说类商业协会 advocacy 团体，成立之初得益于时任总统威廉·霍华德·塔夫脱与劳工商务部长查尔斯·内格尔推动，旨在代表工商界发声。
FITB vs HTBK — 直观对比
营收规模更大
FITB
是对方的28.5倍
$53.6M
营收增速更快
HTBK
高出9.2%
6.4%
净利率更高
FITB
高出19.5%
28.2%
自由现金流更多
FITB
多$703.7M
$61.3M
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.5B | $53.6M |
| 净利润 | $730.0M | $15.1M |
| 毛利率 | — | — |
| 营业利润率 | 59.7% | 41.0% |
| 净利率 | 47.7% | 28.2% |
| 营收同比 | 6.4% | 15.6% |
| 净利润同比 | 17.7% | 42.3% |
| 每股收益（稀释后） | $1.03 | $0.25 |
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FITBHTBK
| Q4 25 | $1.5B | $53.6M | ||
| Q3 25 | $1.5B | $50.0M | ||
| Q2 25 | $1.5B | $47.8M | ||
| Q1 25 | $1.4B | $46.1M | ||
| Q4 24 | $1.4B | $46.4M | ||
| Q3 24 | — | $42.2M | ||
| Q2 24 | — | $41.7M | ||
| Q1 24 | — | $42.1M |
净利润FITBHTBK
| Q4 25 | $730.0M | $15.1M | ||
| Q3 25 | $649.0M | $14.7M | ||
| Q2 25 | $628.0M | $6.4M | ||
| Q1 25 | $515.0M | $11.6M | ||
| Q4 24 | $620.0M | $10.6M | ||
| Q3 24 | — | $10.5M | ||
| Q2 24 | — | $9.2M | ||
| Q1 24 | — | $10.2M |
营业利润率FITBHTBK
| Q4 25 | 59.7% | 41.0% | ||
| Q3 25 | 55.1% | 41.1% | ||
| Q2 25 | 54.0% | 18.7% | ||
| Q1 25 | 45.4% | 35.4% | ||
| Q4 24 | 53.3% | 31.8% | ||
| Q3 24 | — | 34.3% | ||
| Q2 24 | — | 31.3% | ||
| Q1 24 | — | 34.2% |
净利率FITBHTBK
| Q4 25 | 47.7% | 28.2% | ||
| Q3 25 | 42.7% | 29.4% | ||
| Q2 25 | 42.0% | 13.4% | ||
| Q1 25 | 35.8% | 25.2% | ||
| Q4 24 | 43.1% | 22.9% | ||
| Q3 24 | — | 24.9% | ||
| Q2 24 | — | 22.1% | ||
| Q1 24 | — | 24.1% |
每股收益（稀释后）FITBHTBK
| Q4 25 | $1.03 | $0.25 | ||
| Q3 25 | $0.91 | $0.24 | ||
| Q2 25 | $0.88 | $0.10 | ||
| Q1 25 | $0.71 | $0.19 | ||
| Q4 24 | $0.85 | $0.17 | ||
| Q3 24 | — | $0.17 | ||
| Q2 24 | — | $0.15 | ||
| Q1 24 | — | $0.17 |
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 | $13.6B | — |
| 股东权益账面价值 | $21.7B | $708.6M |
| 总资产 | $214.4B | $5.8B |
| 负债/权益比越低杠杆越低 | 0.63× | — |
8季度趋势，按日历期对齐
总债务FITBHTBK
| Q4 25 | $13.6B | — | ||
| Q3 25 | $13.7B | — | ||
| Q2 25 | $14.5B | — | ||
| Q1 25 | $14.5B | — | ||
| Q4 24 | $14.3B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益FITBHTBK
| Q4 25 | $21.7B | $708.6M | ||
| Q3 25 | $21.1B | $700.0M | ||
| Q2 25 | $21.1B | $694.7M | ||
| Q1 25 | $20.4B | $696.2M | ||
| Q4 24 | $19.6B | $689.7M | ||
| Q3 24 | — | $685.4M | ||
| Q2 24 | — | $679.2M | ||
| Q1 24 | — | $676.3M |
总资产FITBHTBK
| Q4 25 | $214.4B | $5.8B | ||
| Q3 25 | $212.9B | $5.6B | ||
| Q2 25 | $210.0B | $5.5B | ||
| Q1 25 | $212.7B | $5.5B | ||
| Q4 24 | $212.9B | $5.6B | ||
| Q3 24 | — | $5.6B | ||
| Q2 24 | — | $5.3B | ||
| Q1 24 | — | $5.3B |
负债/权益比FITBHTBK
| Q4 25 | 0.63× | — | ||
| Q3 25 | 0.65× | — | ||
| Q2 25 | 0.69× | — | ||
| Q1 25 | 0.71× | — | ||
| Q4 24 | 0.73× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $929.0M | $61.7M |
| 自由现金流经营现金流 - 资本支出 | $765.0M | $61.3M |
| 自由现金流率自由现金流/营收 | 50.0% | 114.3% |
| 资本支出强度资本支出/营收 | 10.7% | 0.7% |
| 现金转化率经营现金流/净利润 | 1.27× | 4.08× |
| 过去12个月自由现金流最近4个季度 | $3.9B | — |
8季度趋势，按日历期对齐
经营现金流FITBHTBK
| Q4 25 | $929.0M | $61.7M | ||
| Q3 25 | $1.0B | $18.9M | ||
| Q2 25 | $1.3B | $8.0M | ||
| Q1 25 | $1.2B | $14.8M | ||
| Q4 24 | $-101.0M | $39.0M | ||
| Q3 24 | — | $5.3M | ||
| Q2 24 | — | $10.5M | ||
| Q1 24 | — | $7.3M |
自由现金流FITBHTBK
| Q4 25 | $765.0M | $61.3M | ||
| Q3 25 | $886.0M | $18.8M | ||
| Q2 25 | $1.2B | — | ||
| Q1 25 | $1.1B | — | ||
| Q4 24 | $-246.0M | $37.3M | ||
| Q3 24 | — | $4.9M | ||
| Q2 24 | — | $9.9M | ||
| Q1 24 | — | $6.9M |
自由现金流率FITBHTBK
| Q4 25 | 50.0% | 114.3% | ||
| Q3 25 | 58.3% | 37.7% | ||
| Q2 25 | 77.8% | — | ||
| Q1 25 | 77.7% | — | ||
| Q4 24 | -17.1% | 80.5% | ||
| Q3 24 | — | 11.6% | ||
| Q2 24 | — | 23.6% | ||
| Q1 24 | — | 16.4% |
资本支出强度FITBHTBK
| Q4 25 | 10.7% | 0.7% | ||
| Q3 25 | 10.5% | 0.1% | ||
| Q2 25 | 9.6% | — | ||
| Q1 25 | 8.1% | — | ||
| Q4 24 | 10.1% | 3.5% | ||
| Q3 24 | — | 1.0% | ||
| Q2 24 | — | 1.6% | ||
| Q1 24 | — | 1.0% |
现金转化率FITBHTBK
| Q4 25 | 1.27× | 4.08× | ||
| Q3 25 | 1.61× | 1.28× | ||
| Q2 25 | 2.08× | 1.25× | ||
| Q1 25 | 2.39× | 1.28× | ||
| Q4 24 | -0.16× | 3.67× | ||
| Q3 24 | — | 0.50× | ||
| Q2 24 | — | 1.14× | ||
| Q1 24 | — | 0.72× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
