vs
HomeTrust Bancshares, Inc.（HTB）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
HomeTrust Bancshares, Inc.的季度营收约是美国合众银行的1.1倍（$53.6M vs $49.6M），美国合众银行同比增速更快（10.3% vs 3.7%），HomeTrust Bancshares, Inc.自由现金流更多（$45.3M vs $20.2M），过去两年美国合众银行的营收复合增速更高（11.3% vs 3.5%）
HomeTrust Bancshares, Inc.是总部位于美国北卡罗来纳州阿什维尔的银行控股公司，总资产达43亿美元，在北卡、南卡、佐治亚和田纳西州共设有33家网点，旗下拥有HomeTrust银行、Tryon联邦银行等七家社区银行。
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。
HTB vs SMBC — 直观对比
营收规模更大
HTB
是对方的1.1倍
$49.6M
营收增速更快
SMBC
高出6.6%
3.7%
自由现金流更多
HTB
多$25.2M
$20.2M
两年增速更快
SMBC
近两年复合增速
3.5%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $53.6M | $49.6M |
| 净利润 | — | $18.1M |
| 毛利率 | — | — |
| 营业利润率 | 37.0% | 45.7% |
| 净利率 | — | 36.6% |
| 营收同比 | 3.7% | 10.3% |
| 净利润同比 | — | 23.9% |
| 每股收益（稀释后） | $0.93 | $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HTBSMBC
| Q4 25 | $53.6M | $49.6M | ||
| Q3 25 | $54.1M | $49.0M | ||
| Q2 25 | $54.4M | $47.6M | ||
| Q1 25 | $50.9M | $46.1M | ||
| Q4 24 | $51.7M | $45.0M | ||
| Q3 24 | $50.6M | $43.8M | ||
| Q2 24 | $50.6M | $42.9M | ||
| Q1 24 | $50.0M | $40.1M |
净利润HTBSMBC
| Q4 25 | — | $18.1M | ||
| Q3 25 | $16.5M | $15.7M | ||
| Q2 25 | $17.2M | $15.8M | ||
| Q1 25 | $14.5M | $15.7M | ||
| Q4 24 | — | $14.7M | ||
| Q3 24 | $13.1M | $12.5M | ||
| Q2 24 | $12.4M | $13.5M | ||
| Q1 24 | $15.1M | $11.3M |
营业利润率HTBSMBC
| Q4 25 | 37.0% | 45.7% | ||
| Q3 25 | 38.5% | 39.7% | ||
| Q2 25 | 40.1% | 40.2% | ||
| Q1 25 | 36.2% | 43.0% | ||
| Q4 24 | 35.4% | 42.7% | ||
| Q3 24 | 33.2% | 36.1% | ||
| Q2 24 | 31.3% | 39.6% | ||
| Q1 24 | 38.0% | 35.3% |
净利率HTBSMBC
| Q4 25 | — | 36.6% | ||
| Q3 25 | 30.5% | 31.9% | ||
| Q2 25 | 31.6% | 33.2% | ||
| Q1 25 | 28.5% | 34.0% | ||
| Q4 24 | — | 32.6% | ||
| Q3 24 | 25.9% | 28.4% | ||
| Q2 24 | 24.6% | 31.6% | ||
| Q1 24 | 30.1% | 28.2% |
每股收益（稀释后）HTBSMBC
| Q4 25 | $0.93 | $1.62 | ||
| Q3 25 | $0.95 | $1.38 | ||
| Q2 25 | $1.00 | $1.39 | ||
| Q1 25 | $0.84 | $1.39 | ||
| Q4 24 | $0.83 | $1.30 | ||
| Q3 24 | $0.76 | $1.10 | ||
| Q2 24 | $0.73 | $1.20 | ||
| Q1 24 | $0.88 | $0.99 |
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 | $324.7M | $134.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $600.7M | $567.4M |
| 总资产 | $4.5B | $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HTBSMBC
| Q4 25 | $324.7M | $134.1M | ||
| Q3 25 | $315.8M | $124.1M | ||
| Q2 25 | $297.2M | $192.9M | ||
| Q1 25 | $299.8M | $226.9M | ||
| Q4 24 | $279.2M | $145.8M | ||
| Q3 24 | $293.5M | $75.3M | ||
| Q2 24 | $294.2M | $60.9M | ||
| Q1 24 | $380.5M | $168.3M |
股东权益HTBSMBC
| Q4 25 | $600.7M | $567.4M | ||
| Q3 25 | $595.8M | $560.2M | ||
| Q2 25 | $579.3M | $544.7M | ||
| Q1 25 | $565.4M | $528.8M | ||
| Q4 24 | $551.8M | $512.4M | ||
| Q3 24 | $540.0M | $505.6M | ||
| Q2 24 | $523.6M | $488.7M | ||
| Q1 24 | $513.2M | $479.6M |
总资产HTBSMBC
| Q4 25 | $4.5B | $5.1B | ||
| Q3 25 | $4.6B | $5.0B | ||
| Q2 25 | $4.6B | $5.0B | ||
| Q1 25 | $4.6B | $5.0B | ||
| Q4 24 | $4.6B | $4.9B | ||
| Q3 24 | $4.6B | $4.7B | ||
| Q2 24 | $4.7B | $4.6B | ||
| Q1 24 | $4.7B | $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 | $49.5M | $21.3M |
| 自由现金流经营现金流 - 资本支出 | $45.3M | $20.2M |
| 自由现金流率自由现金流/营收 | 84.5% | 40.6% |
| 资本支出强度资本支出/营收 | 7.8% | 2.2% |
| 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 | $93.8M | $133.6M |
8季度趋势，按日历期对齐
经营现金流HTBSMBC
| Q4 25 | $49.5M | $21.3M | ||
| Q3 25 | $-11.3M | $16.3M | ||
| Q2 25 | $-8.8M | $81.6M | ||
| Q1 25 | $71.7M | $24.1M | ||
| Q4 24 | $45.4M | $20.1M | ||
| Q3 24 | $43.8M | $10.0M | ||
| Q2 24 | $5.9M | $70.3M | ||
| Q1 24 | $-9.0M | $23.9M |
自由现金流HTBSMBC
| Q4 25 | $45.3M | $20.2M | ||
| Q3 25 | $-12.0M | $15.4M | ||
| Q2 25 | $-10.2M | $75.3M | ||
| Q1 25 | $70.7M | $22.7M | ||
| Q4 24 | $42.4M | $18.2M | ||
| Q3 24 | $43.1M | $8.6M | ||
| Q2 24 | $5.7M | $61.2M | ||
| Q1 24 | $-9.6M | $19.6M |
自由现金流率HTBSMBC
| Q4 25 | 84.5% | 40.6% | ||
| Q3 25 | -22.2% | 31.4% | ||
| Q2 25 | -18.7% | 158.1% | ||
| Q1 25 | 138.7% | 49.3% | ||
| Q4 24 | 82.0% | 40.3% | ||
| Q3 24 | 85.1% | 19.5% | ||
| Q2 24 | 11.2% | 142.8% | ||
| Q1 24 | -19.2% | 48.8% |
资本支出强度HTBSMBC
| Q4 25 | 7.8% | 2.2% | ||
| Q3 25 | 1.4% | 1.8% | ||
| Q2 25 | 2.5% | 13.2% | ||
| Q1 25 | 2.0% | 3.0% | ||
| Q4 24 | 5.9% | 4.4% | ||
| Q3 24 | 1.3% | 3.3% | ||
| Q2 24 | 0.5% | 21.1% | ||
| Q1 24 | 1.1% | 10.8% |
现金转化率HTBSMBC
| Q4 25 | — | 1.17× | ||
| Q3 25 | -0.68× | 1.04× | ||
| Q2 25 | -0.51× | 5.17× | ||
| Q1 25 | 4.93× | 1.54× | ||
| Q4 24 | — | 1.37× | ||
| Q3 24 | 3.34× | 0.80× | ||
| Q2 24 | 0.48× | 5.19× | ||
| Q1 24 | -0.60× | 2.11× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
