vs
FNB CORP/PA/（FNB）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
UMB FINANCIAL CORP的季度营收约是FNB CORP/PA/的1.4倍（$522.5M vs $366.0M）。FNB CORP/PA/净利率更高（45.9% vs 41.2%，领先4.7%）。UMB FINANCIAL CORP同比增速更快（94.3% vs 13.7%）。FNB CORP/PA/自由现金流更多（$99.0M vs $95.3M）。过去两年UMB FINANCIAL CORP的营收复合增速更高（47.7% vs 7.1%）
FNB集团是总部位于美国宾夕法尼亚州匹兹堡的多元化金融服务机构，为旗下最大子公司第一国民银行的控股主体，截至2025年12月31日总资产超500亿美元，业务覆盖匹兹堡、巴尔的摩、克利夫兰、华盛顿特区、北卡罗来纳州多座城市及南卡罗来纳州查尔斯顿等核心都会区。
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。
FNB vs UMBF — 直观对比
营收规模更大
UMBF
是对方的1.4倍
$366.0M
营收增速更快
UMBF
高出80.6%
13.7%
净利率更高
FNB
高出4.7%
41.2%
自由现金流更多
FNB
多$3.7M
$95.3M
两年增速更快
UMBF
近两年复合增速
7.1%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $366.0M | $522.5M |
| 净利润 | $168.0M | $215.4M |
| 毛利率 | — | — |
| 营业利润率 | 45.1% | 51.7% |
| 净利率 | 45.9% | 41.2% |
| 营收同比 | 13.7% | 94.3% |
| 净利润同比 | 52.7% | 79.5% |
| 每股收益（稀释后） | $0.47 | $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FNBUMBF
| Q4 25 | $366.0M | $522.5M | ||
| Q3 25 | $359.0M | $475.0M | ||
| Q2 25 | $348.0M | $467.0M | ||
| Q1 25 | $323.0M | $397.6M | ||
| Q4 24 | $322.0M | $269.0M | ||
| Q3 24 | $323.0M | $247.4M | ||
| Q2 24 | $316.0M | $245.1M | ||
| Q1 24 | $319.0M | $239.4M |
净利润FNBUMBF
| Q4 25 | $168.0M | $215.4M | ||
| Q3 25 | $150.0M | $188.3M | ||
| Q2 25 | $130.0M | $217.4M | ||
| Q1 25 | $117.0M | $81.3M | ||
| Q4 24 | $110.0M | $120.0M | ||
| Q3 24 | $110.0M | $109.6M | ||
| Q2 24 | $123.0M | $101.3M | ||
| Q1 24 | $122.0M | $110.3M |
营业利润率FNBUMBF
| Q4 25 | 45.1% | 51.7% | ||
| Q3 25 | 52.9% | 49.8% | ||
| Q2 25 | 47.7% | 58.9% | ||
| Q1 25 | 45.8% | 23.4% | ||
| Q4 24 | 31.7% | 53.8% | ||
| Q3 24 | 43.3% | 54.8% | ||
| Q2 24 | 49.7% | 51.8% | ||
| Q1 24 | 48.9% | 55.9% |
净利率FNBUMBF
| Q4 25 | 45.9% | 41.2% | ||
| Q3 25 | 41.8% | 39.6% | ||
| Q2 25 | 37.4% | 46.5% | ||
| Q1 25 | 36.2% | 20.5% | ||
| Q4 24 | 34.2% | 44.6% | ||
| Q3 24 | 34.1% | 44.3% | ||
| Q2 24 | 38.9% | 41.3% | ||
| Q1 24 | 38.2% | 46.0% |
每股收益（稀释后）FNBUMBF
| Q4 25 | $0.47 | $2.90 | ||
| Q3 25 | $0.41 | $2.36 | ||
| Q2 25 | $0.36 | $2.82 | ||
| Q1 25 | $0.32 | $1.21 | ||
| Q4 24 | $0.31 | $2.44 | ||
| Q3 24 | $0.30 | $2.23 | ||
| Q2 24 | $0.34 | $2.07 | ||
| Q1 24 | $0.32 | $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 | $2.5B | $7.8B |
| 总债务越低越好 | $1.9B | $474.2M |
| 股东权益账面价值 | $6.8B | $7.7B |
| 总资产 | $50.2B | $73.1B |
| 负债/权益比越低杠杆越低 | 0.28× | 0.06× |
8季度趋势，按日历期对齐
现金及短期投资FNBUMBF
| Q4 25 | $2.5B | $7.8B | ||
| Q3 25 | $2.4B | $8.8B | ||
| Q2 25 | $2.4B | $11.0B | ||
| Q1 25 | $2.4B | $10.6B | ||
| Q4 24 | $2.4B | $8.4B | ||
| Q3 24 | $2.1B | $7.3B | ||
| Q2 24 | $1.9B | $5.0B | ||
| Q1 24 | $1.5B | $6.9B |
总债务FNBUMBF
| Q4 25 | $1.9B | $474.2M | ||
| Q3 25 | $2.1B | $471.3M | ||
| Q2 25 | $2.7B | $657.3M | ||
| Q1 25 | $2.5B | $654.4M | ||
| Q4 24 | $3.0B | $385.3M | ||
| Q3 24 | $2.5B | $384.8M | ||
| Q2 24 | $2.0B | $384.2M | ||
| Q1 24 | $2.1B | $383.7M |
股东权益FNBUMBF
| Q4 25 | $6.8B | $7.7B | ||
| Q3 25 | $6.6B | $7.4B | ||
| Q2 25 | $6.5B | $7.3B | ||
| Q1 25 | $6.4B | $6.7B | ||
| Q4 24 | $6.3B | $3.5B | ||
| Q3 24 | $6.2B | $3.5B | ||
| Q2 24 | $6.1B | $3.2B | ||
| Q1 24 | $6.0B | $3.2B |
总资产FNBUMBF
| Q4 25 | $50.2B | $73.1B | ||
| Q3 25 | $49.9B | $71.9B | ||
| Q2 25 | $49.7B | $71.8B | ||
| Q1 25 | $49.0B | $69.3B | ||
| Q4 24 | $48.6B | $50.4B | ||
| Q3 24 | $48.0B | $47.5B | ||
| Q2 24 | $47.7B | $44.5B | ||
| Q1 24 | $45.9B | $45.3B |
负债/权益比FNBUMBF
| Q4 25 | 0.28× | 0.06× | ||
| Q3 25 | 0.32× | 0.06× | ||
| Q2 25 | 0.41× | 0.09× | ||
| Q1 25 | 0.39× | 0.10× | ||
| Q4 24 | 0.48× | 0.11× | ||
| Q3 24 | 0.40× | 0.11× | ||
| Q2 24 | 0.33× | 0.12× | ||
| Q1 24 | 0.35× | 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 | $128.0M | $106.1M |
| 自由现金流经营现金流 - 资本支出 | $99.0M | $95.3M |
| 自由现金流率自由现金流/营收 | 27.0% | 18.2% |
| 资本支出强度资本支出/营收 | 7.9% | 2.1% |
| 现金转化率经营现金流/净利润 | 0.76× | 0.49× |
| 过去12个月自由现金流最近4个季度 | $376.0M | $978.1M |
8季度趋势，按日历期对齐
经营现金流FNBUMBF
| Q4 25 | $128.0M | $106.1M | ||
| Q3 25 | $167.0M | $272.2M | ||
| Q2 25 | $123.0M | $285.4M | ||
| Q1 25 | $64.0M | $363.0M | ||
| Q4 24 | $326.0M | $-66.9M | ||
| Q3 24 | $-14.0M | $123.6M | ||
| Q2 24 | $85.0M | $112.4M | ||
| Q1 24 | $245.0M | $56.1M |
自由现金流FNBUMBF
| Q4 25 | $99.0M | $95.3M | ||
| Q3 25 | $149.0M | $257.8M | ||
| Q2 25 | $85.0M | $270.8M | ||
| Q1 25 | $43.0M | $354.2M | ||
| Q4 24 | $278.0M | $-77.1M | ||
| Q3 24 | $-46.0M | $117.7M | ||
| Q2 24 | $55.0M | $106.7M | ||
| Q1 24 | $216.0M | $53.8M |
自由现金流率FNBUMBF
| Q4 25 | 27.0% | 18.2% | ||
| Q3 25 | 41.5% | 54.3% | ||
| Q2 25 | 24.4% | 58.0% | ||
| Q1 25 | 13.3% | 89.1% | ||
| Q4 24 | 86.3% | -28.6% | ||
| Q3 24 | -14.2% | 47.6% | ||
| Q2 24 | 17.4% | 43.5% | ||
| Q1 24 | 67.7% | 22.5% |
资本支出强度FNBUMBF
| Q4 25 | 7.9% | 2.1% | ||
| Q3 25 | 5.0% | 3.0% | ||
| Q2 25 | 10.9% | 3.1% | ||
| Q1 25 | 6.5% | 2.2% | ||
| Q4 24 | 14.9% | 3.8% | ||
| Q3 24 | 9.9% | 2.4% | ||
| Q2 24 | 9.5% | 2.3% | ||
| Q1 24 | 9.1% | 1.0% |
现金转化率FNBUMBF
| Q4 25 | 0.76× | 0.49× | ||
| Q3 25 | 1.11× | 1.45× | ||
| Q2 25 | 0.95× | 1.31× | ||
| Q1 25 | 0.55× | 4.46× | ||
| Q4 24 | 2.96× | -0.56× | ||
| Q3 24 | -0.13× | 1.13× | ||
| Q2 24 | 0.69× | 1.11× | ||
| Q1 24 | 2.01× | 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
FNB
暂无分部数据
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% |
