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合众银行（HBCP）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
美国合众银行的季度营收约是合众银行的1.1倍（$42.9M vs $38.2M）。美国合众银行净利率更高（42.3% vs 29.7%，领先12.6%）。过去两年合众银行的营收复合增速更高（14.0% vs 11.5%）
该企业是总部位于美国明尼苏达州明尼阿波利斯、在特拉华州注册的跨国银行机构，截至2025年为美国第五大银行，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，主营银行、投资、抵押贷款等各类金融业务。
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。
HBCP vs SMBC — 直观对比
营收规模更大
SMBC
是对方的1.1倍
$38.2M
净利率更高
SMBC
高出12.6%
29.7%
两年增速更快
HBCP
近两年复合增速
11.5%
损益表 — Q1 2026 vs Q2 2026
| 指标 | | |
|---|---|---|
| 营收 | $38.2M | $42.9M |
| 净利润 | $11.4M | $18.1M |
| 毛利率 | — | — |
| 营业利润率 | — | 52.9% |
| 净利率 | 29.7% | 42.3% |
| 营收同比 | — | 12.4% |
| 净利润同比 | -0.4% | 23.9% |
| 每股收益（稀释后） | $1.45 | $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HBCPSMBC
| Q1 26 | $38.2M | — | ||
| Q4 25 | $34.0M | $42.9M | ||
| Q3 25 | $34.1M | $42.4M | ||
| Q2 25 | $33.4M | $40.3M | ||
| Q1 25 | $31.7M | $39.5M | ||
| Q4 24 | $31.6M | $38.1M | ||
| Q3 24 | $30.4M | $36.7M | ||
| Q2 24 | $29.4M | $35.1M |
净利润HBCPSMBC
| Q1 26 | $11.4M | — | ||
| Q4 25 | $11.4M | $18.1M | ||
| Q3 25 | $12.4M | $15.7M | ||
| Q2 25 | $11.3M | $15.8M | ||
| Q1 25 | $11.0M | $15.7M | ||
| Q4 24 | $9.7M | $14.7M | ||
| Q3 24 | $9.4M | $12.5M | ||
| Q2 24 | $8.1M | $13.5M |
营业利润率HBCPSMBC
| Q1 26 | — | — | ||
| Q4 25 | 42.6% | 52.9% | ||
| Q3 25 | 45.6% | 45.8% | ||
| Q2 25 | 42.5% | 47.4% | ||
| Q1 25 | 43.4% | 50.2% | ||
| Q4 24 | 38.0% | 50.3% | ||
| Q3 24 | 38.4% | 43.2% | ||
| Q2 24 | 34.3% | 48.3% |
净利率HBCPSMBC
| Q1 26 | 29.7% | — | ||
| Q4 25 | 33.5% | 42.3% | ||
| Q3 25 | 36.2% | 36.9% | ||
| Q2 25 | 34.0% | 39.1% | ||
| Q1 25 | 34.5% | 39.7% | ||
| Q4 24 | 30.6% | 38.4% | ||
| Q3 24 | 31.1% | 34.0% | ||
| Q2 24 | 27.6% | 38.6% |
每股收益（稀释后）HBCPSMBC
| Q1 26 | $1.45 | — | ||
| Q4 25 | $1.46 | $1.62 | ||
| Q3 25 | $1.59 | $1.38 | ||
| Q2 25 | $1.45 | $1.39 | ||
| Q1 25 | $1.37 | $1.39 | ||
| Q4 24 | $1.21 | $1.30 | ||
| Q3 24 | $1.18 | $1.10 | ||
| Q2 24 | $1.02 | $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 | $223.5M | $134.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $444.4M | $567.4M |
| 总资产 | $3.6B | $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HBCPSMBC
| Q1 26 | $223.5M | — | ||
| Q4 25 | — | $134.1M | ||
| Q3 25 | — | $124.1M | ||
| Q2 25 | — | $192.9M | ||
| Q1 25 | — | $226.9M | ||
| Q4 24 | — | $145.8M | ||
| Q3 24 | — | $75.3M | ||
| Q2 24 | — | $60.9M |
股东权益HBCPSMBC
| Q1 26 | $444.4M | — | ||
| Q4 25 | $435.1M | $567.4M | ||
| Q3 25 | $423.0M | $560.2M | ||
| Q2 25 | $408.8M | $544.7M | ||
| Q1 25 | $402.8M | $528.8M | ||
| Q4 24 | $396.1M | $512.4M | ||
| Q3 24 | $393.5M | $505.6M | ||
| Q2 24 | $375.8M | $488.7M |
总资产HBCPSMBC
| Q1 26 | $3.6B | — | ||
| Q4 25 | $3.5B | $5.1B | ||
| Q3 25 | $3.5B | $5.0B | ||
| Q2 25 | $3.5B | $5.0B | ||
| Q1 25 | $3.5B | $5.0B | ||
| Q4 24 | $3.4B | $4.9B | ||
| Q3 24 | $3.4B | $4.7B | ||
| Q2 24 | $3.4B | $4.6B |
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HBCPSMBC
| Q1 26 | — | — | ||
| Q4 25 | $11.7M | $21.3M | ||
| Q3 25 | $21.5M | $16.3M | ||
| Q2 25 | $8.7M | $27.3M | ||
| Q1 25 | $12.6M | $24.1M | ||
| Q4 24 | $5.8M | $20.1M | ||
| Q3 24 | $17.6M | $10.0M | ||
| Q2 24 | $15.0M | $15.2M |
自由现金流HBCPSMBC
| Q1 26 | — | — | ||
| Q4 25 | $7.1M | $20.2M | ||
| Q3 25 | $20.7M | $15.4M | ||
| Q2 25 | $7.9M | $25.8M | ||
| Q1 25 | $8.7M | $22.7M | ||
| Q4 24 | $5.3M | $18.2M | ||
| Q3 24 | $17.0M | $8.6M | ||
| Q2 24 | $13.4M | $13.3M |
自由现金流率HBCPSMBC
| Q1 26 | — | — | ||
| Q4 25 | 20.8% | 47.0% | ||
| Q3 25 | 60.6% | 36.3% | ||
| Q2 25 | 23.7% | 64.1% | ||
| Q1 25 | 27.4% | 57.6% | ||
| Q4 24 | 16.7% | 47.6% | ||
| Q3 24 | 55.8% | 23.4% | ||
| Q2 24 | 45.4% | 37.9% |
资本支出强度HBCPSMBC
| Q1 26 | — | — | ||
| Q4 25 | 13.6% | 2.6% | ||
| Q3 25 | 2.4% | 2.1% | ||
| Q2 25 | 2.5% | 3.7% | ||
| Q1 25 | 12.2% | 3.5% | ||
| Q4 24 | 1.7% | 5.2% | ||
| Q3 24 | 2.1% | 3.9% | ||
| Q2 24 | 5.5% | 5.5% |
现金转化率HBCPSMBC
| Q1 26 | — | — | ||
| Q4 25 | 1.02× | 1.17× | ||
| Q3 25 | 1.74× | 1.04× | ||
| Q2 25 | 0.77× | 1.73× | ||
| Q1 25 | 1.15× | 1.54× | ||
| Q4 24 | 0.60× | 1.37× | ||
| Q3 24 | 1.87× | 0.80× | ||
| Q2 24 | 1.84× | 1.12× |
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
HBCP
| Net Interest Income | $34.5M | 90% |
| Noninterest Income | $3.7M | 10% |
SMBC
暂无分部数据
