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Fifth Third Bancorp（FITB）与REPUBLIC BANCORP INC（RBCAA）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REPUBLIC BANCORP INC的16.2倍（$1.5B vs $94.3M），Fifth Third Bancorp净利率更高（47.7% vs 24.2%，领先23.5%），Fifth Third Bancorp同比增速更快（6.4% vs 5.3%），Fifth Third Bancorp自由现金流更多（$765.0M vs $161.1M）
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。
肯塔基州共和银行是美国的一家区域性银行控股企业，提供零售及商业银行全品类服务，涵盖个人存贷款、企业融资、按揭产品及财富管理解决方案，主要服务肯塔基州及周边州的个人消费者和中小企业客户。
FITB vs RBCAA — 直观对比
营收规模更大
FITB
是对方的16.2倍
$94.3M
营收增速更快
FITB
高出1.1%
5.3%
净利率更高
FITB
高出23.5%
24.2%
自由现金流更多
FITB
多$603.9M
$161.1M
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.5B | $94.3M |
| 净利润 | $730.0M | $22.8M |
| 毛利率 | — | — |
| 营业利润率 | 59.7% | 29.3% |
| 净利率 | 47.7% | 24.2% |
| 营收同比 | 6.4% | 5.3% |
| 净利润同比 | 17.7% | 20.0% |
| 每股收益（稀释后） | $1.03 | — |
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FITBRBCAA
| Q4 25 | $1.5B | $94.3M | ||
| Q3 25 | $1.5B | $93.5M | ||
| Q2 25 | $1.5B | $93.8M | ||
| Q1 25 | $1.4B | $135.8M | ||
| Q4 24 | $1.4B | $89.5M | ||
| Q3 24 | — | $88.1M | ||
| Q2 24 | — | $86.9M | ||
| Q1 24 | — | $120.3M |
净利润FITBRBCAA
| Q4 25 | $730.0M | $22.8M | ||
| Q3 25 | $649.0M | $29.7M | ||
| Q2 25 | $628.0M | $31.5M | ||
| Q1 25 | $515.0M | $47.3M | ||
| Q4 24 | $620.0M | $19.0M | ||
| Q3 24 | — | $26.5M | ||
| Q2 24 | — | $25.2M | ||
| Q1 24 | — | $30.6M |
营业利润率FITBRBCAA
| Q4 25 | 59.7% | 29.3% | ||
| Q3 25 | 55.1% | 40.4% | ||
| Q2 25 | 54.0% | 43.0% | ||
| Q1 25 | 45.4% | 44.1% | ||
| Q4 24 | 53.3% | 25.8% | ||
| Q3 24 | — | 38.4% | ||
| Q2 24 | — | 37.0% | ||
| Q1 24 | — | 32.2% |
净利率FITBRBCAA
| Q4 25 | 47.7% | 24.2% | ||
| Q3 25 | 42.7% | 31.8% | ||
| Q2 25 | 42.0% | 33.5% | ||
| Q1 25 | 35.8% | 34.8% | ||
| Q4 24 | 43.1% | 21.2% | ||
| Q3 24 | — | 30.1% | ||
| Q2 24 | — | 29.0% | ||
| Q1 24 | — | 25.4% |
每股收益（稀释后）FITBRBCAA
| Q4 25 | $1.03 | — | ||
| Q3 25 | $0.91 | — | ||
| Q2 25 | $0.88 | — | ||
| Q1 25 | $0.71 | — | ||
| Q4 24 | $0.85 | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | — | $220.0M |
| 总债务越低越好 | $13.6B | — |
| 股东权益账面价值 | $21.7B | $1.1B |
| 总资产 | $214.4B | $7.0B |
| 负债/权益比越低杠杆越低 | 0.63× | — |
8季度趋势，按日历期对齐
现金及短期投资FITBRBCAA
| Q4 25 | — | $220.0M | ||
| Q3 25 | — | $484.2M | ||
| Q2 25 | — | $484.8M | ||
| Q1 25 | — | $793.0M | ||
| Q4 24 | — | $432.2M | ||
| Q3 24 | — | $530.9M | ||
| Q2 24 | — | $400.1M | ||
| Q1 24 | — | $546.4M |
总债务FITBRBCAA
| 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FITBRBCAA
| Q4 25 | $21.7B | $1.1B | ||
| Q3 25 | $21.1B | $1.1B | ||
| Q2 25 | $21.1B | $1.1B | ||
| Q1 25 | $20.4B | $1.0B | ||
| Q4 24 | $19.6B | $992.0M | ||
| Q3 24 | — | $979.7M | ||
| Q2 24 | — | $955.4M | ||
| Q1 24 | — | $935.6M |
总资产FITBRBCAA
| Q4 25 | $214.4B | $7.0B | ||
| Q3 25 | $212.9B | $7.0B | ||
| Q2 25 | $210.0B | $7.0B | ||
| Q1 25 | $212.7B | $7.1B | ||
| Q4 24 | $212.9B | $6.8B | ||
| Q3 24 | — | $6.7B | ||
| Q2 24 | — | $6.6B | ||
| Q1 24 | — | $6.9B |
负债/权益比FITBRBCAA
| 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 | $168.2M |
| 自由现金流经营现金流 - 资本支出 | $765.0M | $161.1M |
| 自由现金流率自由现金流/营收 | 50.0% | 170.9% |
| 资本支出强度资本支出/营收 | 10.7% | 7.5% |
| 现金转化率经营现金流/净利润 | 1.27× | 7.37× |
| 过去12个月自由现金流最近4个季度 | $3.9B | $288.6M |
8季度趋势，按日历期对齐
经营现金流FITBRBCAA
| Q4 25 | $929.0M | $168.2M | ||
| Q3 25 | $1.0B | $33.3M | ||
| Q2 25 | $1.3B | $8.4M | ||
| Q1 25 | $1.2B | $93.2M | ||
| Q4 24 | $-101.0M | $149.0M | ||
| Q3 24 | — | $51.3M | ||
| Q2 24 | — | $4.0M | ||
| Q1 24 | — | $71.2M |
自由现金流FITBRBCAA
| Q4 25 | $765.0M | $161.1M | ||
| Q3 25 | $886.0M | $30.8M | ||
| Q2 25 | $1.2B | $5.2M | ||
| Q1 25 | $1.1B | $91.6M | ||
| Q4 24 | $-246.0M | $143.2M | ||
| Q3 24 | — | $49.8M | ||
| Q2 24 | — | $2.7M | ||
| Q1 24 | — | $69.1M |
自由现金流率FITBRBCAA
| Q4 25 | 50.0% | 170.9% | ||
| Q3 25 | 58.3% | 32.9% | ||
| Q2 25 | 77.8% | 5.5% | ||
| Q1 25 | 77.7% | 67.4% | ||
| Q4 24 | -17.1% | 160.0% | ||
| Q3 24 | — | 56.5% | ||
| Q2 24 | — | 3.1% | ||
| Q1 24 | — | 57.5% |
资本支出强度FITBRBCAA
| Q4 25 | 10.7% | 7.5% | ||
| Q3 25 | 10.5% | 2.6% | ||
| Q2 25 | 9.6% | 3.5% | ||
| Q1 25 | 8.1% | 1.2% | ||
| Q4 24 | 10.1% | 6.5% | ||
| Q3 24 | — | 1.7% | ||
| Q2 24 | — | 1.5% | ||
| Q1 24 | — | 1.7% |
现金转化率FITBRBCAA
| Q4 25 | 1.27× | 7.37× | ||
| Q3 25 | 1.61× | 1.12× | ||
| Q2 25 | 2.08× | 0.27× | ||
| Q1 25 | 2.39× | 1.97× | ||
| Q4 24 | -0.16× | 7.84× | ||
| Q3 24 | — | 1.93× | ||
| Q2 24 | — | 0.16× | ||
| Q1 24 | — | 2.33× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
