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Fifth Third Bancorp（FITB）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
Fifth Third Bancorp的季度营收约是UNITED COMMUNITY BANKS INC的5.5倍（$1.5B vs $276.5M）。Fifth Third Bancorp净利率更高（47.7% vs 30.5%，领先17.2%）。UNITED COMMUNITY BANKS INC同比增速更快（11.6% vs 6.4%）。过去两年Fifth Third Bancorp的营收复合增速更高（218.3% vs 8.9%）
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。
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。
FITB vs UCB — 直观对比
营收规模更大
FITB
是对方的5.5倍
$276.5M
营收增速更快
UCB
高出5.2%
6.4%
净利率更高
FITB
高出17.2%
30.5%
两年增速更快
FITB
近两年复合增速
8.9%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $1.5B | $276.5M |
| 净利润 | $730.0M | $84.3M |
| 毛利率 | — | — |
| 营业利润率 | 59.7% | — |
| 净利率 | 47.7% | 30.5% |
| 营收同比 | 6.4% | 11.6% |
| 净利润同比 | 17.7% | 18.0% |
| 每股收益（稀释后） | $1.03 | $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FITBUCB
| Q1 26 | — | $276.5M | ||
| Q4 25 | $1.5B | $278.4M | ||
| Q3 25 | $1.5B | $276.8M | ||
| Q2 25 | $1.5B | $260.2M | ||
| Q1 25 | $1.4B | $247.7M | ||
| Q4 24 | $1.4B | $239.5M | ||
| Q3 24 | $161.0M | $202.8M | ||
| Q2 24 | $156.0M | $233.0M |
净利润FITBUCB
| Q1 26 | — | $84.3M | ||
| Q4 25 | $730.0M | $86.5M | ||
| Q3 25 | $649.0M | $91.5M | ||
| Q2 25 | $628.0M | $78.7M | ||
| Q1 25 | $515.0M | $71.4M | ||
| Q4 24 | $620.0M | $75.8M | ||
| Q3 24 | $573.0M | $47.3M | ||
| Q2 24 | $601.0M | $66.6M |
营业利润率FITBUCB
| Q1 26 | — | — | ||
| Q4 25 | 59.7% | 40.5% | ||
| Q3 25 | 55.1% | 42.6% | ||
| Q2 25 | 54.0% | 38.6% | ||
| Q1 25 | 45.4% | 36.8% | ||
| Q4 24 | 53.3% | 40.3% | ||
| Q3 24 | — | 29.5% | ||
| Q2 24 | — | 36.9% |
净利率FITBUCB
| Q1 26 | — | 30.5% | ||
| Q4 25 | 47.7% | 31.1% | ||
| Q3 25 | 42.7% | 33.0% | ||
| Q2 25 | 42.0% | 30.3% | ||
| Q1 25 | 35.8% | 28.8% | ||
| Q4 24 | 43.1% | 31.7% | ||
| Q3 24 | 355.9% | 23.3% | ||
| Q2 24 | 385.3% | 28.6% |
每股收益（稀释后）FITBUCB
| Q1 26 | — | $0.69 | ||
| Q4 25 | $1.03 | $0.71 | ||
| Q3 25 | $0.91 | $0.70 | ||
| Q2 25 | $0.88 | $0.63 | ||
| Q1 25 | $0.71 | $0.58 | ||
| Q4 24 | $0.85 | $0.61 | ||
| Q3 24 | $0.78 | $0.38 | ||
| Q2 24 | $0.81 | $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 | $13.6B | $205.5M |
| 股东权益账面价值 | $21.7B | $3.7B |
| 总资产 | $214.4B | $28.2M |
| 负债/权益比越低杠杆越低 | 0.63× | 0.06× |
8季度趋势，按日历期对齐
现金及短期投资FITBUCB
| Q1 26 | — | $493.1M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
总债务FITBUCB
| Q1 26 | — | $205.5M | ||
| Q4 25 | $13.6B | $120.4M | ||
| Q3 25 | $13.7B | $155.3M | ||
| Q2 25 | $14.5B | $155.1M | ||
| Q1 25 | $14.5B | $254.3M | ||
| Q4 24 | $14.3B | $254.2M | ||
| Q3 24 | $17.1B | $316.4M | ||
| Q2 24 | $16.3B | $324.9M |
股东权益FITBUCB
| Q1 26 | — | $3.7B | ||
| Q4 25 | $21.7B | $3.6B | ||
| Q3 25 | $21.1B | $3.6B | ||
| Q2 25 | $21.1B | $3.6B | ||
| Q1 25 | $20.4B | $3.5B | ||
| Q4 24 | $19.6B | $3.4B | ||
| Q3 24 | $20.8B | $3.4B | ||
| Q2 24 | $19.2B | $3.3B |
总资产FITBUCB
| Q1 26 | — | $28.2M | ||
| Q4 25 | $214.4B | $28.0B | ||
| Q3 25 | $212.9B | $28.1B | ||
| Q2 25 | $210.0B | $28.1B | ||
| Q1 25 | $212.7B | $27.9B | ||
| Q4 24 | $212.9B | $27.7B | ||
| Q3 24 | $214.3B | $27.4B | ||
| Q2 24 | $213.3B | $27.1B |
负债/权益比FITBUCB
| Q1 26 | — | 0.06× | ||
| Q4 25 | 0.63× | 0.03× | ||
| Q3 25 | 0.65× | 0.04× | ||
| Q2 25 | 0.69× | 0.04× | ||
| Q1 25 | 0.71× | 0.07× | ||
| Q4 24 | 0.73× | 0.07× | ||
| Q3 24 | 0.82× | 0.09× | ||
| Q2 24 | 0.85× | 0.10× |
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 | — |
| 自由现金流经营现金流 - 资本支出 | $765.0M | — |
| 自由现金流率自由现金流/营收 | 50.0% | — |
| 资本支出强度资本支出/营收 | 10.7% | — |
| 现金转化率经营现金流/净利润 | 1.27× | — |
| 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FITBUCB
| Q1 26 | — | — | ||
| Q4 25 | $929.0M | $65.5M | ||
| Q3 25 | $1.0B | $123.1M | ||
| Q2 25 | $1.3B | $96.8M | ||
| Q1 25 | $1.2B | $98.6M | ||
| Q4 24 | $-101.0M | $148.1M | ||
| Q3 24 | $1.9B | $7.7M | ||
| Q2 24 | $679.0M | $105.1M |
自由现金流FITBUCB
| Q1 26 | — | — | ||
| Q4 25 | $765.0M | $59.7M | ||
| Q3 25 | $886.0M | $117.7M | ||
| Q2 25 | $1.2B | $84.7M | ||
| Q1 25 | $1.1B | $94.3M | ||
| Q4 24 | $-246.0M | $142.6M | ||
| Q3 24 | $1.7B | $-2.2M | ||
| Q2 24 | $588.0M | $87.2M |
自由现金流率FITBUCB
| Q1 26 | — | — | ||
| Q4 25 | 50.0% | 21.4% | ||
| Q3 25 | 58.3% | 42.5% | ||
| Q2 25 | 77.8% | 32.6% | ||
| Q1 25 | 77.7% | 38.1% | ||
| Q4 24 | -17.1% | 59.5% | ||
| Q3 24 | 1085.1% | -1.1% | ||
| Q2 24 | 376.9% | 37.4% |
资本支出强度FITBUCB
| Q1 26 | — | — | ||
| Q4 25 | 10.7% | 2.1% | ||
| Q3 25 | 10.5% | 1.9% | ||
| Q2 25 | 9.6% | 4.7% | ||
| Q1 25 | 8.1% | 1.7% | ||
| Q4 24 | 10.1% | 2.3% | ||
| Q3 24 | 70.2% | 4.9% | ||
| Q2 24 | 58.3% | 7.7% |
现金转化率FITBUCB
| Q1 26 | — | — | ||
| Q4 25 | 1.27× | 0.76× | ||
| Q3 25 | 1.61× | 1.35× | ||
| Q2 25 | 2.08× | 1.23× | ||
| Q1 25 | 2.39× | 1.38× | ||
| Q4 24 | -0.16× | 1.95× | ||
| Q3 24 | 3.25× | 0.16× | ||
| Q2 24 | 1.13× | 1.58× |
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
FITB
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% |
