vs
FLAGSTAR BANK, NATIONAL ASSOCIATION（FLG）与美国合众银行（SMBC）财务数据对比。点击上方公司名可切换其他公司
FLAGSTAR BANK, NATIONAL ASSOCIATION的季度营收约是美国合众银行的11.6倍（$498.0M vs $42.9M）。美国合众银行净利率更高（42.3% vs 4.2%，领先38.1%）。美国合众银行同比增速更快（12.4% vs 1.6%）。过去两年美国合众银行的营收复合增速更高（11.5% vs -10.7%）
Flagstar银行是原总部位于美国密歇根州特洛伊的商业银行，成立于1987年，主营零售及商业银行业务、抵押贷款发放及各类金融服务。其控股公司于2022年12月被纽约社区银行收购，后者后将全部门店统一为Flagstar品牌，2024年更名为Flagstar Financial，2025年启动企业重组。
美国合众银行是一家总部位于明尼苏达州明尼阿波利斯、在特拉华州注册的美国跨国银行机构，截至2025年是美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的银行，旗下核心经营实体美国银行全国协会以U.S. Bank名义开展业务，提供银行、投资、抵押等相关金融服务。
FLG vs SMBC — 直观对比
营收规模更大
FLG
是对方的11.6倍
$42.9M
营收增速更快
SMBC
高出10.8%
1.6%
净利率更高
SMBC
高出38.1%
4.2%
两年增速更快
SMBC
近两年复合增速
-10.7%
损益表 — Q1 2026 vs Q2 2026
| 指标 | | |
|---|---|---|
| 营收 | $498.0M | $42.9M |
| 净利润 | $21.0M | $18.1M |
| 毛利率 | — | — |
| 营业利润率 | — | 52.9% |
| 净利率 | 4.2% | 42.3% |
| 营收同比 | 1.6% | 12.4% |
| 净利润同比 | -27.6% | 23.9% |
| 每股收益（稀释后） | $0.03 | $1.62 |
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FLGSMBC
| Q1 26 | $498.0M | — | ||
| Q4 25 | $2.1B | $42.9M | ||
| Q3 25 | $425.0M | $42.4M | ||
| Q2 25 | $419.0M | $40.3M | ||
| Q1 25 | — | $39.5M | ||
| Q4 24 | $461.0M | $38.1M | ||
| Q3 24 | $510.0M | $36.7M | ||
| Q2 24 | $557.0M | $35.1M |
净利润FLGSMBC
| Q1 26 | $21.0M | — | ||
| Q4 25 | $29.0M | $18.1M | ||
| Q3 25 | $-36.0M | $15.7M | ||
| Q2 25 | $-70.0M | $15.8M | ||
| Q1 25 | — | $15.7M | ||
| Q4 24 | $-188.0M | $14.7M | ||
| Q3 24 | $-280.0M | $12.5M | ||
| Q2 24 | $-323.0M | $13.5M |
营业利润率FLGSMBC
| Q1 26 | — | — | ||
| Q4 25 | — | 52.9% | ||
| Q3 25 | -9.6% | 45.8% | ||
| Q2 25 | -19.3% | 47.4% | ||
| Q1 25 | — | 50.2% | ||
| Q4 24 | -51.6% | 50.3% | ||
| Q3 24 | -65.7% | 43.2% | ||
| Q2 24 | -76.1% | 48.3% |
净利率FLGSMBC
| Q1 26 | 4.2% | — | ||
| Q4 25 | 1.4% | 42.3% | ||
| Q3 25 | -8.5% | 36.9% | ||
| Q2 25 | -16.7% | 39.1% | ||
| Q1 25 | — | 39.7% | ||
| Q4 24 | -40.8% | 38.4% | ||
| Q3 24 | -54.9% | 34.0% | ||
| Q2 24 | -58.0% | 38.6% |
每股收益（稀释后）FLGSMBC
| Q1 26 | $0.03 | — | ||
| Q4 25 | $0.05 | $1.62 | ||
| Q3 25 | $-0.11 | $1.38 | ||
| Q2 25 | $-0.19 | $1.39 | ||
| Q1 25 | — | $1.39 | ||
| Q4 24 | $-1.11 | $1.30 | ||
| Q3 24 | $-0.79 | $1.10 | ||
| Q2 24 | $-1.14 | $1.20 |
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 | — | $134.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $8.1B | $567.4M |
| 总资产 | $87.1B | $5.1B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资FLGSMBC
| Q1 26 | — | — | ||
| Q4 25 | — | $134.1M | ||
| Q3 25 | $23.6B | $124.1M | ||
| Q2 25 | $22.9B | $192.9M | ||
| Q1 25 | — | $226.9M | ||
| Q4 24 | $25.8B | $145.8M | ||
| Q3 24 | $33.6B | $75.3M | ||
| Q2 24 | $29.5B | $60.9M |
总债务FLGSMBC
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $13.2B | — | ||
| Q2 25 | $13.2B | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $14.4B | — | ||
| Q3 24 | $20.3B | — | ||
| Q2 24 | $28.9B | — |
股东权益FLGSMBC
| Q1 26 | $8.1B | — | ||
| Q4 25 | $8.1M | $567.4M | ||
| Q3 25 | $8.1B | $560.2M | ||
| Q2 25 | $8.1B | $544.7M | ||
| Q1 25 | — | $528.8M | ||
| Q4 24 | $8.2B | $512.4M | ||
| Q3 24 | $8.6B | $505.6M | ||
| Q2 24 | $8.4B | $488.7M |
总资产FLGSMBC
| Q1 26 | $87.1B | — | ||
| Q4 25 | $87.5M | $5.1B | ||
| Q3 25 | $91.7B | $5.0B | ||
| Q2 25 | $92.2B | $5.0B | ||
| Q1 25 | — | $5.0B | ||
| Q4 24 | $100.2B | $4.9B | ||
| Q3 24 | $114.4B | $4.7B | ||
| Q2 24 | $119.1B | $4.6B |
负债/权益比FLGSMBC
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 1.63× | — | ||
| Q2 25 | 1.63× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 1.77× | — | ||
| Q3 24 | 2.37× | — | ||
| Q2 24 | 3.44× | — |
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 | — | $21.3M |
| 自由现金流经营现金流 - 资本支出 | — | $20.2M |
| 自由现金流率自由现金流/营收 | — | 47.0% |
| 资本支出强度资本支出/营收 | — | 2.6% |
| 现金转化率经营现金流/净利润 | — | 1.17× |
| 过去12个月自由现金流最近4个季度 | — | $84.1M |
8季度趋势，按日历期对齐
经营现金流FLGSMBC
| Q1 26 | — | — | ||
| Q4 25 | — | $21.3M | ||
| Q3 25 | $243.0M | $16.3M | ||
| Q2 25 | — | $27.3M | ||
| Q1 25 | — | $24.1M | ||
| Q4 24 | $623.0M | $20.1M | ||
| Q3 24 | $-1.0B | $10.0M | ||
| Q2 24 | $796.0M | $15.2M |
自由现金流FLGSMBC
| Q1 26 | — | — | ||
| Q4 25 | — | $20.2M | ||
| Q3 25 | — | $15.4M | ||
| Q2 25 | — | $25.8M | ||
| Q1 25 | — | $22.7M | ||
| Q4 24 | — | $18.2M | ||
| Q3 24 | — | $8.6M | ||
| Q2 24 | — | $13.3M |
自由现金流率FLGSMBC
| Q1 26 | — | — | ||
| Q4 25 | — | 47.0% | ||
| Q3 25 | — | 36.3% | ||
| Q2 25 | — | 64.1% | ||
| Q1 25 | — | 57.6% | ||
| Q4 24 | — | 47.6% | ||
| Q3 24 | — | 23.4% | ||
| Q2 24 | — | 37.9% |
资本支出强度FLGSMBC
| Q1 26 | — | — | ||
| Q4 25 | — | 2.6% | ||
| Q3 25 | — | 2.1% | ||
| Q2 25 | — | 3.7% | ||
| Q1 25 | — | 3.5% | ||
| Q4 24 | — | 5.2% | ||
| Q3 24 | — | 3.9% | ||
| Q2 24 | — | 5.5% |
现金转化率FLGSMBC
| Q1 26 | — | — | ||
| Q4 25 | — | 1.17× | ||
| Q3 25 | — | 1.04× | ||
| Q2 25 | — | 1.73× | ||
| Q1 25 | — | 1.54× | ||
| Q4 24 | — | 1.37× | ||
| Q3 24 | — | 0.80× | ||
| Q2 24 | — | 1.12× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
