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HomeTrust Bancshares, Inc.（HTB）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HomeTrust Bancshares, Inc.的11.8倍（$522.5M vs $44.2M）。UMB FINANCIAL CORP同比增速更快（94.3% vs 1.7%）。UMB FINANCIAL CORP自由现金流更多（$95.3M vs $-3.2M）。过去两年UMB FINANCIAL CORP的营收复合增速更高（47.7% vs 3.6%）
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。
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。
HTB vs UMBF — 直观对比
营收规模更大
UMBF
是对方的11.8倍
$44.2M
营收增速更快
UMBF
高出92.5%
1.7%
自由现金流更多
UMBF
多$98.5M
$-3.2M
两年增速更快
UMBF
近两年复合增速
3.6%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $44.2M | $522.5M |
| 净利润 | — | $215.4M |
| 毛利率 | — | — |
| 营业利润率 | 44.9% | 51.7% |
| 净利率 | — | 41.2% |
| 营收同比 | 1.7% | 94.3% |
| 净利润同比 | — | 79.5% |
| 每股收益（稀释后） | $0.93 | $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HTBUMBF
| Q4 25 | $44.2M | $522.5M | ||
| Q3 25 | $45.4M | $475.0M | ||
| Q2 25 | $44.2M | $467.0M | ||
| Q1 25 | $42.9M | $397.6M | ||
| Q4 24 | $43.5M | $269.0M | ||
| Q3 24 | $42.4M | $247.4M | ||
| Q2 24 | $42.4M | $245.1M | ||
| Q1 24 | $41.2M | $239.4M |
净利润HTBUMBF
| Q4 25 | — | $215.4M | ||
| Q3 25 | $16.5M | $188.3M | ||
| Q2 25 | $17.2M | $217.4M | ||
| Q1 25 | $14.5M | $81.3M | ||
| Q4 24 | — | $120.0M | ||
| Q3 24 | $13.1M | $109.6M | ||
| Q2 24 | $12.4M | $101.3M | ||
| Q1 24 | $15.1M | $110.3M |
营业利润率HTBUMBF
| Q4 25 | 44.9% | 51.7% | ||
| Q3 25 | 46.0% | 49.8% | ||
| Q2 25 | 49.4% | 58.9% | ||
| Q1 25 | 43.0% | 23.4% | ||
| Q4 24 | 42.1% | 53.8% | ||
| Q3 24 | 39.7% | 54.8% | ||
| Q2 24 | 37.2% | 51.8% | ||
| Q1 24 | 46.1% | 55.9% |
净利率HTBUMBF
| Q4 25 | — | 41.2% | ||
| Q3 25 | 36.3% | 39.6% | ||
| Q2 25 | 38.9% | 46.5% | ||
| Q1 25 | 33.9% | 20.5% | ||
| Q4 24 | — | 44.6% | ||
| Q3 24 | 31.0% | 44.3% | ||
| Q2 24 | 29.3% | 41.3% | ||
| Q1 24 | 36.5% | 46.0% |
每股收益（稀释后）HTBUMBF
| Q4 25 | $0.93 | $2.90 | ||
| Q3 25 | $0.95 | $2.36 | ||
| Q2 25 | $1.00 | $2.82 | ||
| Q1 25 | $0.84 | $1.21 | ||
| Q4 24 | $0.83 | $2.44 | ||
| Q3 24 | $0.76 | $2.23 | ||
| Q2 24 | $0.73 | $2.07 | ||
| Q1 24 | $0.88 | $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 | $324.7M | $7.8B |
| 总债务越低越好 | — | $474.2M |
| 股东权益账面价值 | $600.7M | $7.7B |
| 总资产 | $4.5B | $73.1B |
| 负债/权益比越低杠杆越低 | — | 0.06× |
8季度趋势，按日历期对齐
现金及短期投资HTBUMBF
| Q4 25 | $324.7M | $7.8B | ||
| Q3 25 | $315.8M | $8.8B | ||
| Q2 25 | $297.2M | $11.0B | ||
| Q1 25 | $299.8M | $10.6B | ||
| Q4 24 | $279.2M | $8.4B | ||
| Q3 24 | $293.5M | $7.3B | ||
| Q2 24 | $294.2M | $5.0B | ||
| Q1 24 | $380.5M | $6.9B |
总债务HTBUMBF
| Q4 25 | — | $474.2M | ||
| Q3 25 | — | $471.3M | ||
| Q2 25 | — | $657.3M | ||
| Q1 25 | — | $654.4M | ||
| Q4 24 | — | $385.3M | ||
| Q3 24 | — | $384.8M | ||
| Q2 24 | — | $384.2M | ||
| Q1 24 | — | $383.7M |
股东权益HTBUMBF
| Q4 25 | $600.7M | $7.7B | ||
| Q3 25 | $595.8M | $7.4B | ||
| Q2 25 | $579.3M | $7.3B | ||
| Q1 25 | $565.4M | $6.7B | ||
| Q4 24 | $551.8M | $3.5B | ||
| Q3 24 | $540.0M | $3.5B | ||
| Q2 24 | $523.6M | $3.2B | ||
| Q1 24 | $513.2M | $3.2B |
总资产HTBUMBF
| Q4 25 | $4.5B | $73.1B | ||
| Q3 25 | $4.6B | $71.9B | ||
| Q2 25 | $4.6B | $71.8B | ||
| Q1 25 | $4.6B | $69.3B | ||
| Q4 24 | $4.6B | $50.4B | ||
| Q3 24 | $4.6B | $47.5B | ||
| Q2 24 | $4.7B | $44.5B | ||
| Q1 24 | $4.7B | $45.3B |
负债/权益比HTBUMBF
| Q4 25 | — | 0.06× | ||
| Q3 25 | — | 0.06× | ||
| Q2 25 | — | 0.09× | ||
| Q1 25 | — | 0.10× | ||
| Q4 24 | — | 0.11× | ||
| Q3 24 | — | 0.11× | ||
| Q2 24 | — | 0.12× | ||
| Q1 24 | — | 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 | $-2.1M | $106.1M |
| 自由现金流经营现金流 - 资本支出 | $-3.2M | $95.3M |
| 自由现金流率自由现金流/营收 | -7.1% | 18.2% |
| 资本支出强度资本支出/营收 | 2.4% | 2.1% |
| 现金转化率经营现金流/净利润 | — | 0.49× |
| 过去12个月自由现金流最近4个季度 | $45.3M | $978.1M |
8季度趋势，按日历期对齐
经营现金流HTBUMBF
| Q4 25 | $-2.1M | $106.1M | ||
| Q3 25 | $-11.3M | $272.2M | ||
| Q2 25 | $-8.8M | $285.4M | ||
| Q1 25 | $71.7M | $363.0M | ||
| Q4 24 | $4.8M | $-66.9M | ||
| Q3 24 | $43.8M | $123.6M | ||
| Q2 24 | $5.9M | $112.4M | ||
| Q1 24 | $-9.0M | $56.1M |
自由现金流HTBUMBF
| Q4 25 | $-3.2M | $95.3M | ||
| Q3 25 | $-12.0M | $257.8M | ||
| Q2 25 | $-10.2M | $270.8M | ||
| Q1 25 | $70.7M | $354.2M | ||
| Q4 24 | $3.2M | $-77.1M | ||
| Q3 24 | $43.1M | $117.7M | ||
| Q2 24 | $5.7M | $106.7M | ||
| Q1 24 | $-9.6M | $53.8M |
自由现金流率HTBUMBF
| Q4 25 | -7.1% | 18.2% | ||
| Q3 25 | -26.5% | 54.3% | ||
| Q2 25 | -23.0% | 58.0% | ||
| Q1 25 | 164.7% | 89.1% | ||
| Q4 24 | 7.4% | -28.6% | ||
| Q3 24 | 101.7% | 47.6% | ||
| Q2 24 | 13.4% | 43.5% | ||
| Q1 24 | -23.3% | 22.5% |
资本支出强度HTBUMBF
| Q4 25 | 2.4% | 2.1% | ||
| Q3 25 | 1.7% | 3.0% | ||
| Q2 25 | 3.0% | 3.1% | ||
| Q1 25 | 2.4% | 2.2% | ||
| Q4 24 | 3.6% | 3.8% | ||
| Q3 24 | 1.6% | 2.4% | ||
| Q2 24 | 0.6% | 2.3% | ||
| Q1 24 | 1.4% | 1.0% |
现金转化率HTBUMBF
| Q4 25 | — | 0.49× | ||
| Q3 25 | -0.68× | 1.45× | ||
| Q2 25 | -0.51× | 1.31× | ||
| Q1 25 | 4.93× | 4.46× | ||
| Q4 24 | — | -0.56× | ||
| Q3 24 | 3.34× | 1.13× | ||
| Q2 24 | 0.48× | 1.11× | ||
| Q1 24 | -0.60× | 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
HTB
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% |
