vs
HANCOCK WHITNEY CORP（HWC）与UNITED COMMUNITY BANKS INC（UCB）财务数据对比。点击上方公司名可切换其他公司
HANCOCK WHITNEY CORP的季度营收约是UNITED COMMUNITY BANKS INC的1.1倍（$295.0M vs $276.5M），UNITED COMMUNITY BANKS INC净利率更高（30.5% vs 16.1%，领先14.4%），UNITED COMMUNITY BANKS INC同比增速更快（11.6% vs -19.7%），过去两年UNITED COMMUNITY BANKS INC的营收复合增速更高（6.2% vs -9.4%）
汉考克惠特尼公司是总部位于美国密西西比州格尔夫波特的银行控股企业，在密西西比、阿拉巴马、佛罗里达、路易斯安那、得克萨斯五州共运营237家网点。它是新奥尔良圣徒队、路易斯安那州立大学体育队、路易斯安那大学拉法叶分校运动队的官方合作银行，独家发行对应队伍的官方借记卡，还独家提供LSU老虎队专属信用卡。
联合社区银行是美国的金融机构，为美国东南部规模领先的全服务金融机构之一，总资产达277亿美元，在阿拉巴马州、佛罗里达州、佐治亚州、北卡罗来纳州、南卡罗来纳州和田纳西州设有200个营业网点，同时也是总部位于南卡罗来纳州的总资产规模最大的银行。
HWC vs UCB — 直观对比
营收规模更大
HWC
是对方的1.1倍
$276.5M
营收增速更快
UCB
高出31.4%
-19.7%
净利率更高
UCB
高出14.4%
16.1%
两年增速更快
UCB
近两年复合增速
-9.4%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $295.0M | $276.5M |
| 净利润 | $47.4M | $84.3M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 16.1% | 30.5% |
| 营收同比 | -19.7% | 11.6% |
| 净利润同比 | -62.2% | 18.0% |
| 每股收益（稀释后） | $0.57 | $0.69 |
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HWCUCB
| Q1 26 | $295.0M | $276.5M | ||
| Q4 25 | $389.3M | $278.4M | ||
| Q3 25 | $385.7M | $276.8M | ||
| Q2 25 | $375.5M | $260.2M | ||
| Q1 25 | $364.7M | $247.7M | ||
| Q4 24 | $364.8M | $250.9M | ||
| Q3 24 | $367.7M | $217.3M | ||
| Q2 24 | $359.6M | $245.3M |
净利润HWCUCB
| Q1 26 | $47.4M | $84.3M | ||
| Q4 25 | — | $86.5M | ||
| Q3 25 | $127.5M | $91.5M | ||
| Q2 25 | — | $78.7M | ||
| Q1 25 | — | $71.4M | ||
| Q4 24 | — | $75.8M | ||
| Q3 24 | $115.6M | $47.3M | ||
| Q2 24 | — | $66.6M |
营业利润率HWCUCB
| Q1 26 | — | — | ||
| Q4 25 | 40.7% | 40.5% | ||
| Q3 25 | 41.6% | 42.6% | ||
| Q2 25 | 38.5% | 38.6% | ||
| Q1 25 | 40.9% | 36.8% | ||
| Q4 24 | 41.3% | 38.4% | ||
| Q3 24 | 39.5% | 27.5% | ||
| Q2 24 | 40.3% | 35.1% |
净利率HWCUCB
| Q1 26 | 16.1% | 30.5% | ||
| Q4 25 | — | 31.1% | ||
| Q3 25 | 33.0% | 33.0% | ||
| Q2 25 | — | 30.3% | ||
| Q1 25 | — | 28.8% | ||
| Q4 24 | — | 30.2% | ||
| Q3 24 | 31.4% | 21.8% | ||
| Q2 24 | — | 27.2% |
每股收益（稀释后）HWCUCB
| Q1 26 | $0.57 | $0.69 | ||
| Q4 25 | $1.48 | $0.71 | ||
| Q3 25 | $1.49 | $0.70 | ||
| Q2 25 | $1.32 | $0.63 | ||
| Q1 25 | $1.38 | $0.58 | ||
| Q4 24 | $1.40 | $0.61 | ||
| Q3 24 | $1.33 | $0.38 | ||
| Q2 24 | $1.31 | $0.54 |
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 | $223.7M | $493.1M |
| 总债务越低越好 | $1.6B | $205.5M |
| 股东权益账面价值 | — | $3.7B |
| 总资产 | $35.5B | $28.2M |
| 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HWCUCB
| Q1 26 | $223.7M | $493.1M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
总债务HWCUCB
| Q1 26 | $1.6B | $205.5M | ||
| Q4 25 | $199.4M | $120.4M | ||
| Q3 25 | $210.7M | $155.3M | ||
| Q2 25 | $210.6M | $155.1M | ||
| Q1 25 | $210.6M | $254.3M | ||
| Q4 24 | $210.5M | $254.2M | ||
| Q3 24 | $236.4M | $316.4M | ||
| Q2 24 | $236.4M | $324.9M |
股东权益HWCUCB
| Q1 26 | — | $3.7B | ||
| Q4 25 | $4.5B | $3.6B | ||
| Q3 25 | $4.5B | $3.6B | ||
| Q2 25 | $4.4B | $3.6B | ||
| Q1 25 | $4.3B | $3.5B | ||
| Q4 24 | $4.1B | $3.4B | ||
| Q3 24 | $4.2B | $3.4B | ||
| Q2 24 | $3.9B | $3.3B |
总资产HWCUCB
| Q1 26 | $35.5B | $28.2M | ||
| Q4 25 | $35.5B | $28.0B | ||
| Q3 25 | $35.8B | $28.1B | ||
| Q2 25 | $35.2B | $28.1B | ||
| Q1 25 | $34.8B | $27.9B | ||
| Q4 24 | $35.1B | $27.7B | ||
| Q3 24 | $35.2B | $27.4B | ||
| Q2 24 | $35.4B | $27.1B |
负债/权益比HWCUCB
| Q1 26 | — | 0.06× | ||
| Q4 25 | 0.04× | 0.03× | ||
| Q3 25 | 0.05× | 0.04× | ||
| Q2 25 | 0.05× | 0.04× | ||
| Q1 25 | 0.05× | 0.07× | ||
| Q4 24 | 0.05× | 0.07× | ||
| Q3 24 | 0.06× | 0.09× | ||
| Q2 24 | 0.06× | 0.10× |
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
HWC
暂无分部数据
UCB
| Deposits | $98.0M | 35% |
| Investment securities, including tax exempt of $1,646 and $1,678, respectively | $45.3M | 16% |
| Money market | $40.7M | 15% |
| Time | $28.7M | 10% |
| NOW and interest-bearing demand | $28.1M | 10% |
| Service charges and fees | $9.5M | 3% |
| Other | $8.2M | 3% |
| Mortgage loan gains and other related fees | $8.0M | 3% |
| Wealth management fees | $4.6M | 2% |
| Lending and loan servicing fees | $4.0M | 1% |
| Deposits in banks and short-term investments | $1.2M | 0% |
