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丰田北美（MPAA）与合众银行（OSBC）财务数据对比。点击上方公司名可切换其他公司
丰田北美的季度营收约是合众银行的1.8倍（$167.7M vs $93.8M），合众银行净利率更高（27.3% vs 1.1%，领先26.2%），过去两年合众银行的营收复合增速更高（15.1% vs -5.9%）
丰田北美（TMNA）是丰田汽车旗下负责加拿大、墨西哥及美国全境业务的运营子公司，业务范围覆盖研发、生产制造、销售营销、售后及企业管理等板块，相关核心业务由TMNA统筹，部分板块由其他子公司及控股企业负责执行，公司总部位于得克萨斯州普莱诺，在肯塔基州乔治敦等多地设有分支机构。
合众银行是一家总部位于美国明尼阿波利斯、在特拉华州注册的美国跨国银行机构。截至2025年，它是美国第五大银行，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金融机构，主营银行、投资、抵押等金融服务。
MPAA vs OSBC — 直观对比
营收规模更大
MPAA
是对方的1.8倍
$93.8M
净利率更高
OSBC
高出26.2%
1.1%
两年增速更快
OSBC
近两年复合增速
-5.9%
损益表 — Q3 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $167.7M | $93.8M |
| 净利润 | $1.8M | $25.6M |
| 毛利率 | 19.6% | — |
| 营业利润率 | 5.0% | — |
| 净利率 | 1.1% | 27.3% |
| 营收同比 | -9.9% | — |
| 净利润同比 | -22.4% | 159.2% |
| 每股收益（稀释后） | $0.09 | $0.48 |
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MPAAOSBC
| Q1 26 | — | $93.8M | ||
| Q4 25 | $167.7M | $95.2M | ||
| Q3 25 | $221.5M | $95.9M | ||
| Q2 25 | $188.4M | $75.1M | ||
| Q1 25 | $193.1M | $73.1M | ||
| Q4 24 | $186.2M | $73.2M | ||
| Q3 24 | $208.2M | $71.2M | ||
| Q2 24 | $169.9M | $70.8M |
净利润MPAAOSBC
| Q1 26 | — | $25.6M | ||
| Q4 25 | $1.8M | — | ||
| Q3 25 | $-2.1M | $9.9M | ||
| Q2 25 | $3.0M | $21.8M | ||
| Q1 25 | $-722.0K | $19.8M | ||
| Q4 24 | $2.3M | — | ||
| Q3 24 | $-3.0M | $23.0M | ||
| Q2 24 | $-18.1M | $21.9M |
毛利率MPAAOSBC
| Q1 26 | — | — | ||
| Q4 25 | 19.6% | — | ||
| Q3 25 | 19.3% | — | ||
| Q2 25 | 18.0% | — | ||
| Q1 25 | 19.9% | — | ||
| Q4 24 | 24.1% | — | ||
| Q3 24 | 19.8% | — | ||
| Q2 24 | 17.2% | — |
营业利润率MPAAOSBC
| Q1 26 | — | — | ||
| Q4 25 | 5.0% | 41.2% | ||
| Q3 25 | 7.4% | 13.6% | ||
| Q2 25 | 10.7% | 38.9% | ||
| Q1 25 | 8.4% | 35.8% | ||
| Q4 24 | 9.4% | 34.7% | ||
| Q3 24 | 6.0% | 41.9% | ||
| Q2 24 | -3.8% | 41.2% |
净利率MPAAOSBC
| Q1 26 | — | 27.3% | ||
| Q4 25 | 1.1% | — | ||
| Q3 25 | -1.0% | 10.3% | ||
| Q2 25 | 1.6% | 29.0% | ||
| Q1 25 | -0.4% | 27.1% | ||
| Q4 24 | 1.2% | — | ||
| Q3 24 | -1.4% | 32.3% | ||
| Q2 24 | -10.6% | 30.9% |
每股收益（稀释后）MPAAOSBC
| Q1 26 | — | $0.48 | ||
| Q4 25 | $0.09 | $0.53 | ||
| Q3 25 | $-0.11 | $0.18 | ||
| Q2 25 | $0.15 | $0.48 | ||
| Q1 25 | $-0.03 | $0.43 | ||
| Q4 24 | $0.11 | $0.42 | ||
| Q3 24 | $-0.15 | $0.50 | ||
| Q2 24 | $-0.92 | $0.48 |
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 | $19.6M | $115.7M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $258.5M | $893.3M |
| 总资产 | $991.3M | $6.8B |
| 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MPAAOSBC
| Q1 26 | — | $115.7M | ||
| Q4 25 | $19.6M | $124.0M | ||
| Q3 25 | $17.7M | $116.5M | ||
| Q2 25 | $14.5M | $141.8M | ||
| Q1 25 | $11.3M | $256.1M | ||
| Q4 24 | $12.7M | $99.3M | ||
| Q3 24 | $12.3M | $115.8M | ||
| Q2 24 | $9.4M | $120.9M |
股东权益MPAAOSBC
| Q1 26 | — | $893.3M | ||
| Q4 25 | $258.5M | $896.8M | ||
| Q3 25 | $258.5M | $866.7M | ||
| Q2 25 | $260.1M | $718.6M | ||
| Q1 25 | $257.7M | $694.5M | ||
| Q4 24 | $262.7M | $671.0M | ||
| Q3 24 | $264.0M | $661.4M | ||
| Q2 24 | $267.2M | $619.3M |
总资产MPAAOSBC
| Q1 26 | — | $6.8B | ||
| Q4 25 | $991.3M | $6.9B | ||
| Q3 25 | $990.0M | $7.0B | ||
| Q2 25 | $973.4M | $5.7B | ||
| Q1 25 | $957.6M | $5.7B | ||
| Q4 24 | $949.5M | $5.6B | ||
| Q3 24 | $986.2M | $5.7B | ||
| Q2 24 | $978.0M | $5.7B |
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 | $-8.2M | — |
| 自由现金流经营现金流 - 资本支出 | $-8.6M | — |
| 自由现金流率自由现金流/营收 | -5.2% | — |
| 资本支出强度资本支出/营收 | 0.2% | — |
| 现金转化率经营现金流/净利润 | -4.63× | — |
| 过去12个月自由现金流最近4个季度 | $27.7M | — |
8季度趋势，按日历期对齐
经营现金流MPAAOSBC
| Q1 26 | — | — | ||
| Q4 25 | $-8.2M | $122.3M | ||
| Q3 25 | $21.9M | $35.9M | ||
| Q2 25 | $10.0M | $24.2M | ||
| Q1 25 | $9.1M | $17.8M | ||
| Q4 24 | $34.4M | $131.5M | ||
| Q3 24 | $22.9M | $48.5M | ||
| Q2 24 | $-20.8M | $11.6M |
自由现金流MPAAOSBC
| Q1 26 | — | — | ||
| Q4 25 | $-8.6M | $117.8M | ||
| Q3 25 | $20.8M | $34.7M | ||
| Q2 25 | $9.2M | $23.5M | ||
| Q1 25 | $6.2M | $16.2M | ||
| Q4 24 | $33.7M | $120.7M | ||
| Q3 24 | $22.3M | $46.2M | ||
| Q2 24 | $-21.3M | $8.7M |
自由现金流率MPAAOSBC
| Q1 26 | — | — | ||
| Q4 25 | -5.2% | 123.7% | ||
| Q3 25 | 9.4% | 36.2% | ||
| Q2 25 | 4.9% | 31.2% | ||
| Q1 25 | 3.2% | 22.2% | ||
| Q4 24 | 18.1% | 165.0% | ||
| Q3 24 | 10.7% | 64.9% | ||
| Q2 24 | -12.6% | 12.3% |
资本支出强度MPAAOSBC
| Q1 26 | — | — | ||
| Q4 25 | 0.2% | 4.7% | ||
| Q3 25 | 0.5% | 1.3% | ||
| Q2 25 | 0.4% | 1.1% | ||
| Q1 25 | 1.5% | 2.2% | ||
| Q4 24 | 0.4% | 14.7% | ||
| Q3 24 | 0.3% | 3.3% | ||
| Q2 24 | 0.3% | 4.2% |
现金转化率MPAAOSBC
| Q1 26 | — | — | ||
| Q4 25 | -4.63× | — | ||
| Q3 25 | — | 3.64× | ||
| Q2 25 | 3.30× | 1.11× | ||
| Q1 25 | — | 0.90× | ||
| Q4 24 | 15.00× | — | ||
| Q3 24 | — | 2.11× | ||
| Q2 24 | — | 0.53× |
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
MPAA
| Reportable Segment Aggregation Before Other Operating Segment | $156.3M | 93% |
| Other | $11.4M | 7% |
OSBC
| Net Interest Income | $81.1M | 87% |
| Noninterest Income | $12.6M | 13% |
