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M&T Bank（MTB）与罗致恒富（RHI）财务数据对比。点击上方公司名可切换其他公司
M&T Bank的季度营收约是罗致恒富的1.9倍（$2.5B vs $1.3B），M&T Bank同比增速更快（3.8% vs -5.8%），过去两年M&T Bank的营收复合增速更高（4.6% vs -6.1%）
M&T银行是总部位于美国纽约州布法罗的银行控股企业，业务覆盖美国东部从缅因州到弗吉尼亚州的12个州及华盛顿特区，运营超过950家线下网点。其控股主体1998年5月前名为第一帝国州公司，之后更为现名。
罗致恒富是1948年成立的国际人力资源咨询机构，总部位于加利福尼亚州门洛帕克和圣拉蒙，是全球规模领先的会计与金融领域人才派遣服务商之一，在全球范围内设有超过345个办公点。
MTB vs RHI — 直观对比
营收规模更大
MTB
是对方的1.9倍
$1.3B
营收增速更快
MTB
高出9.6%
-5.8%
两年增速更快
MTB
近两年复合增速
-6.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.5B | $1.3B |
| 净利润 | $759.0M | — |
| 毛利率 | — | 37.6% |
| 营业利润率 | 39.2% | 1.7% |
| 净利率 | 30.7% | — |
| 营收同比 | 3.8% | -5.8% |
| 净利润同比 | 11.5% | — |
| 每股收益（稀释后） | $4.62 | $0.32 |
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MTBRHI
| Q4 25 | $2.5B | $1.3B | ||
| Q3 25 | $2.5B | $1.4B | ||
| Q2 25 | $2.4B | $1.4B | ||
| Q1 25 | $2.3B | $1.4B | ||
| Q4 24 | $2.4B | $1.4B | ||
| Q3 24 | $2.3B | $1.5B | ||
| Q2 24 | $2.3B | $1.5B | ||
| Q1 24 | $2.3B | $1.5B |
净利润MTBRHI
| Q4 25 | $759.0M | — | ||
| Q3 25 | $792.0M | $42.9M | ||
| Q2 25 | $716.0M | $41.0M | ||
| Q1 25 | $584.0M | $17.4M | ||
| Q4 24 | $681.0M | — | ||
| Q3 24 | $721.0M | $65.5M | ||
| Q2 24 | $655.0M | $68.2M | ||
| Q1 24 | $531.0M | $63.7M |
毛利率MTBRHI
| Q4 25 | — | 37.6% | ||
| Q3 25 | — | 37.2% | ||
| Q2 25 | — | 37.2% | ||
| Q1 25 | — | 36.9% | ||
| Q4 24 | — | 38.8% | ||
| Q3 24 | — | 39.0% | ||
| Q2 24 | — | 39.2% | ||
| Q1 24 | — | 38.1% |
营业利润率MTBRHI
| Q4 25 | 39.2% | 1.7% | ||
| Q3 25 | 40.8% | 1.0% | ||
| Q2 25 | 39.0% | 0.1% | ||
| Q1 25 | 33.0% | 2.9% | ||
| Q4 24 | 37.0% | 4.7% | ||
| Q3 24 | 39.0% | 4.1% | ||
| Q2 24 | 37.1% | 5.1% | ||
| Q1 24 | 29.4% | 2.8% |
净利率MTBRHI
| Q4 25 | 30.7% | — | ||
| Q3 25 | 31.5% | 3.2% | ||
| Q2 25 | 29.9% | 3.0% | ||
| Q1 25 | 25.3% | 1.3% | ||
| Q4 24 | 28.6% | — | ||
| Q3 24 | 30.9% | 4.5% | ||
| Q2 24 | 28.5% | 4.6% | ||
| Q1 24 | 23.5% | 4.3% |
每股收益（稀释后）MTBRHI
| Q4 25 | $4.62 | $0.32 | ||
| Q3 25 | $4.82 | $0.43 | ||
| Q2 25 | $4.24 | $0.41 | ||
| Q1 25 | $3.32 | $0.17 | ||
| Q4 24 | $3.87 | $0.53 | ||
| Q3 24 | $4.02 | $0.64 | ||
| Q2 24 | $3.73 | $0.66 | ||
| Q1 24 | $3.02 | $0.61 |
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 | — | $464.4M |
| 总债务越低越好 | $10.9B | — |
| 股东权益账面价值 | $29.2B | $1.3B |
| 总资产 | $213.5B | $2.9B |
| 负债/权益比越低杠杆越低 | 0.37× | — |
8季度趋势，按日历期对齐
现金及短期投资MTBRHI
| Q4 25 | — | $464.4M | ||
| Q3 25 | — | $365.3M | ||
| Q2 25 | — | $380.5M | ||
| Q1 25 | — | $342.5M | ||
| Q4 24 | — | $537.6M | ||
| Q3 24 | — | $570.5M | ||
| Q2 24 | — | $547.4M | ||
| Q1 24 | — | $540.9M |
总债务MTBRHI
| Q4 25 | $10.9B | — | ||
| Q3 25 | $12.9B | — | ||
| Q2 25 | $12.4B | — | ||
| Q1 25 | $10.5B | — | ||
| Q4 24 | $12.6B | — | ||
| Q3 24 | $11.6B | — | ||
| Q2 24 | $11.3B | — | ||
| Q1 24 | $11.4B | — |
股东权益MTBRHI
| Q4 25 | $29.2B | $1.3B | ||
| Q3 25 | $28.7B | $1.3B | ||
| Q2 25 | $28.5B | $1.3B | ||
| Q1 25 | $29.0B | $1.3B | ||
| Q4 24 | $29.0B | $1.4B | ||
| Q3 24 | $28.9B | $1.5B | ||
| Q2 24 | $28.4B | $1.5B | ||
| Q1 24 | $27.2B | $1.5B |
总资产MTBRHI
| Q4 25 | $213.5B | $2.9B | ||
| Q3 25 | $211.3B | $2.8B | ||
| Q2 25 | $211.6B | $2.8B | ||
| Q1 25 | $210.3B | $2.7B | ||
| Q4 24 | $208.1B | $2.9B | ||
| Q3 24 | $211.8B | $3.0B | ||
| Q2 24 | $208.9B | $2.9B | ||
| Q1 24 | $215.1B | $2.9B |
负债/权益比MTBRHI
| Q4 25 | 0.37× | — | ||
| Q3 25 | 0.45× | — | ||
| Q2 25 | 0.43× | — | ||
| Q1 25 | 0.36× | — | ||
| Q4 24 | 0.43× | — | ||
| Q3 24 | 0.40× | — | ||
| Q2 24 | 0.40× | — | ||
| Q1 24 | 0.42× | — |
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 | $3.0B | $182.5M |
| 自由现金流经营现金流 - 资本支出 | — | $170.8M |
| 自由现金流率自由现金流/营收 | — | 13.1% |
| 资本支出强度资本支出/营收 | — | 0.9% |
| 现金转化率经营现金流/净利润 | 3.96× | — |
| 过去12个月自由现金流最近4个季度 | — | $266.8M |
8季度趋势，按日历期对齐
经营现金流MTBRHI
| Q4 25 | $3.0B | $182.5M | ||
| Q3 25 | $1.0B | $77.4M | ||
| Q2 25 | $844.0M | $119.4M | ||
| Q1 25 | $635.0M | $-59.3M | ||
| Q4 24 | $3.6B | $154.8M | ||
| Q3 24 | $-28.0M | $129.6M | ||
| Q2 24 | $1.4B | $142.0M | ||
| Q1 24 | $608.0M | $-15.9M |
自由现金流MTBRHI
| Q4 25 | — | $170.8M | ||
| Q3 25 | — | $63.6M | ||
| Q2 25 | — | $104.2M | ||
| Q1 25 | — | $-71.7M | ||
| Q4 24 | — | $140.5M | ||
| Q3 24 | — | $111.8M | ||
| Q2 24 | — | $129.6M | ||
| Q1 24 | — | $-27.7M |
自由现金流率MTBRHI
| Q4 25 | — | 13.1% | ||
| Q3 25 | — | 4.7% | ||
| Q2 25 | — | 7.6% | ||
| Q1 25 | — | -5.3% | ||
| Q4 24 | — | 10.2% | ||
| Q3 24 | — | 7.6% | ||
| Q2 24 | — | 8.8% | ||
| Q1 24 | — | -1.9% |
资本支出强度MTBRHI
| Q4 25 | — | 0.9% | ||
| Q3 25 | — | 1.0% | ||
| Q2 25 | — | 1.1% | ||
| Q1 25 | — | 0.9% | ||
| Q4 24 | — | 1.0% | ||
| Q3 24 | — | 1.2% | ||
| Q2 24 | — | 0.8% | ||
| Q1 24 | — | 0.8% |
现金转化率MTBRHI
| Q4 25 | 3.96× | — | ||
| Q3 25 | 1.26× | 1.80× | ||
| Q2 25 | 1.18× | 2.91× | ||
| Q1 25 | 1.09× | -3.42× | ||
| Q4 24 | 5.30× | — | ||
| Q3 24 | -0.04× | 1.98× | ||
| Q2 24 | 2.07× | 2.08× | ||
| Q1 24 | 1.15× | -0.25× |
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
MTB
暂无分部数据
RHI
| Finance And Accounting | $535.2M | 41% |
| Protiviti | $479.0M | 37% |
| Technology | $156.4M | 12% |
| Permanent Placement Talent Solutions | $102.6M | 8% |
| Other | $29.2M | 2% |
