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FNB CORP（FNB）与WSFS FINANCIAL CORP（WSFS）财务数据对比。点击上方公司名可切换其他公司
FNB CORP的季度营收约是WSFS FINANCIAL CORP的1.3倍（$366.0M vs $275.3M），FNB CORP净利率更高（45.9% vs 31.5%，领先14.4%），FNB CORP同比增速更快（13.7% vs 7.5%），过去两年FNB CORP的营收复合增速更高（7.1% vs 1.7%）
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。
WSFS金融集团是一家金融服务企业，核心子公司WSFS银行是总部位于特拉华州及大特拉华谷地区规模最大、经营历史最久的本地管理银行与财富管理机构。集团共运营115个网点，其中88个为银行网点，分布在宾夕法尼亚、特拉华、新泽西、佛罗里达、弗吉尼亚、内华达六州，提供全面金融服务。
FNB vs WSFS — 直观对比
营收规模更大
FNB
是对方的1.3倍
$275.3M
营收增速更快
FNB
高出6.2%
7.5%
净利率更高
FNB
高出14.4%
31.5%
两年增速更快
FNB
近两年复合增速
1.7%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $366.0M | $275.3M |
| 净利润 | $168.0M | $86.8M |
| 毛利率 | — | — |
| 营业利润率 | 45.1% | — |
| 净利率 | 45.9% | 31.5% |
| 营收同比 | 13.7% | 7.5% |
| 净利润同比 | 52.7% | 31.7% |
| 每股收益（稀释后） | $0.47 | $1.64 |
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FNBWSFS
| Q1 26 | — | $275.3M | ||
| Q4 25 | $366.0M | $271.9M | ||
| Q3 25 | $359.0M | $270.5M | ||
| Q2 25 | $348.0M | $267.5M | ||
| Q1 25 | $323.0M | $256.1M | ||
| Q4 24 | $322.0M | $261.5M | ||
| Q3 24 | $323.0M | $267.7M | ||
| Q2 24 | $316.0M | $266.0M |
净利润FNBWSFS
| Q1 26 | — | $86.8M | ||
| Q4 25 | $168.0M | $72.7M | ||
| Q3 25 | $150.0M | $76.4M | ||
| Q2 25 | $130.0M | $72.3M | ||
| Q1 25 | $117.0M | $65.9M | ||
| Q4 24 | $110.0M | $64.2M | ||
| Q3 24 | $110.0M | $64.4M | ||
| Q2 24 | $123.0M | $69.3M |
营业利润率FNBWSFS
| Q1 26 | — | — | ||
| Q4 25 | 45.1% | 35.8% | ||
| Q3 25 | 52.9% | 37.3% | ||
| Q2 25 | 47.7% | 35.7% | ||
| Q1 25 | 45.8% | 34.0% | ||
| Q4 24 | 31.7% | 32.3% | ||
| Q3 24 | 43.3% | 31.9% | ||
| Q2 24 | 49.7% | 34.0% |
净利率FNBWSFS
| Q1 26 | — | 31.5% | ||
| Q4 25 | 45.9% | 26.7% | ||
| Q3 25 | 41.8% | 28.3% | ||
| Q2 25 | 37.4% | 27.0% | ||
| Q1 25 | 36.2% | 25.7% | ||
| Q4 24 | 34.2% | 24.6% | ||
| Q3 24 | 34.1% | 24.1% | ||
| Q2 24 | 38.9% | 26.0% |
每股收益（稀释后）FNBWSFS
| Q1 26 | — | $1.64 | ||
| Q4 25 | $0.47 | $1.33 | ||
| Q3 25 | $0.41 | $1.37 | ||
| Q2 25 | $0.36 | $1.27 | ||
| Q1 25 | $0.32 | $1.12 | ||
| Q4 24 | $0.31 | $1.08 | ||
| Q3 24 | $0.30 | $1.08 | ||
| Q2 24 | $0.34 | $1.16 |
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 | — |
| 总债务越低越好 | $1.9B | — |
| 股东权益账面价值 | $6.8B | $2.7B |
| 总资产 | $50.2B | $22.1B |
| 负债/权益比越低杠杆越低 | 0.28× | — |
8季度趋势，按日历期对齐
现金及短期投资FNBWSFS
| Q1 26 | — | — | ||
| Q4 25 | $2.5B | $1.7B | ||
| Q3 25 | $2.4B | — | ||
| Q2 25 | $2.4B | — | ||
| Q1 25 | $2.4B | — | ||
| Q4 24 | $2.4B | $1.2B | ||
| Q3 24 | $2.1B | — | ||
| Q2 24 | $1.9B | — |
总债务FNBWSFS
| Q1 26 | — | — | ||
| Q4 25 | $1.9B | — | ||
| Q3 25 | $2.1B | — | ||
| Q2 25 | $2.7B | — | ||
| Q1 25 | $2.5B | — | ||
| Q4 24 | $3.0B | — | ||
| Q3 24 | $2.5B | — | ||
| Q2 24 | $2.0B | — |
股东权益FNBWSFS
| Q1 26 | — | $2.7B | ||
| Q4 25 | $6.8B | $2.7B | ||
| Q3 25 | $6.6B | $2.8B | ||
| Q2 25 | $6.5B | $2.7B | ||
| Q1 25 | $6.4B | $2.7B | ||
| Q4 24 | $6.3B | $2.6B | ||
| Q3 24 | $6.2B | $2.7B | ||
| Q2 24 | $6.1B | $2.5B |
总资产FNBWSFS
| Q1 26 | — | $22.1B | ||
| Q4 25 | $50.2B | $21.3B | ||
| Q3 25 | $49.9B | $20.8B | ||
| Q2 25 | $49.7B | $20.8B | ||
| Q1 25 | $49.0B | $20.5B | ||
| Q4 24 | $48.6B | $20.8B | ||
| Q3 24 | $48.0B | $20.9B | ||
| Q2 24 | $47.7B | $20.7B |
负债/权益比FNBWSFS
| Q1 26 | — | — | ||
| Q4 25 | 0.28× | — | ||
| Q3 25 | 0.32× | — | ||
| Q2 25 | 0.41× | — | ||
| Q1 25 | 0.39× | — | ||
| Q4 24 | 0.48× | — | ||
| Q3 24 | 0.40× | — | ||
| Q2 24 | 0.33× | — |
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 | — |
| 自由现金流经营现金流 - 资本支出 | $99.0M | — |
| 自由现金流率自由现金流/营收 | 27.0% | — |
| 资本支出强度资本支出/营收 | 7.9% | — |
| 现金转化率经营现金流/净利润 | 0.76× | — |
| 过去12个月自由现金流最近4个季度 | $376.0M | — |
8季度趋势，按日历期对齐
经营现金流FNBWSFS
| Q1 26 | — | — | ||
| Q4 25 | $128.0M | $220.0M | ||
| Q3 25 | $167.0M | $121.5M | ||
| Q2 25 | $123.0M | $37.2M | ||
| Q1 25 | $64.0M | $8.7M | ||
| Q4 24 | $326.0M | $219.9M | ||
| Q3 24 | $-14.0M | $3.1M | ||
| Q2 24 | $85.0M | $44.8M |
自由现金流FNBWSFS
| Q1 26 | — | — | ||
| Q4 25 | $99.0M | $213.6M | ||
| Q3 25 | $149.0M | $120.3M | ||
| Q2 25 | $85.0M | $35.2M | ||
| Q1 25 | $43.0M | $6.3M | ||
| Q4 24 | $278.0M | $205.6M | ||
| Q3 24 | $-46.0M | $-489.0K | ||
| Q2 24 | $55.0M | $42.1M |
自由现金流率FNBWSFS
| Q1 26 | — | — | ||
| Q4 25 | 27.0% | 78.6% | ||
| Q3 25 | 41.5% | 44.5% | ||
| Q2 25 | 24.4% | 13.2% | ||
| Q1 25 | 13.3% | 2.5% | ||
| Q4 24 | 86.3% | 78.6% | ||
| Q3 24 | -14.2% | -0.2% | ||
| Q2 24 | 17.4% | 15.8% |
资本支出强度FNBWSFS
| Q1 26 | — | — | ||
| Q4 25 | 7.9% | 2.3% | ||
| Q3 25 | 5.0% | 0.5% | ||
| Q2 25 | 10.9% | 0.7% | ||
| Q1 25 | 6.5% | 0.9% | ||
| Q4 24 | 14.9% | 5.5% | ||
| Q3 24 | 9.9% | 1.4% | ||
| Q2 24 | 9.5% | 1.0% |
现金转化率FNBWSFS
| Q1 26 | — | — | ||
| Q4 25 | 0.76× | 3.03× | ||
| Q3 25 | 1.11× | 1.59× | ||
| Q2 25 | 0.95× | 0.51× | ||
| Q1 25 | 0.55× | 0.13× | ||
| Q4 24 | 2.96× | 3.43× | ||
| Q3 24 | -0.13× | 0.05× | ||
| Q2 24 | 0.69× | 0.65× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
