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National Bank Holdings Corp（NBHC）与UNITIL CORP（UTL）财务数据对比。点击上方公司名可切换其他公司
UNITIL CORP的季度营收约是National Bank Holdings Corp的1.3倍（$161.5M vs $126.8M），National Bank Holdings Corp净利率更高（16.4% vs 11.8%，领先4.6%），过去两年National Bank Holdings Corp的营收复合增速更高（14.0% vs -4.9%）
这是一家美国区域性银行控股集团，目前在伊利诺伊、印第安纳等八个美国州布局营业网点，拥有近250个金融服务中心与约200家零售分行，总资产达485亿美元。它是总部位于印第安纳州的最大银行控股公司，也跻身美国银行业三十强之列。
Unitil是一家跨州电力与天然气公用事业公司，业务覆盖美国新罕布什尔州、马萨诸塞州与缅因州。公司最早前身是1849年在缅因州成立的波特兰煤气灯公司，现企业主体于1984年设立，总部位于新罕布什尔州。目前公司总市值约6.8651亿美元，为约10.24万电力客户、超7.59万天然气客户提供服务。
NBHC vs UTL — 直观对比
营收规模更大
UTL
是对方的1.3倍
$126.8M
净利率更高
NBHC
高出4.6%
11.8%
两年增速更快
NBHC
近两年复合增速
-4.9%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $126.8M | $161.5M |
| 净利润 | $20.8M | $19.0M |
| 毛利率 | — | — |
| 营业利润率 | — | 21.5% |
| 净利率 | 16.4% | 11.8% |
| 营收同比 | — | 26.7% |
| 净利润同比 | -14.2% | 21.8% |
| 每股收益（稀释后） | $0.46 | $1.05 |
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NBHCUTL
| Q1 26 | $126.8M | — | ||
| Q4 25 | $100.6M | $161.5M | ||
| Q3 25 | $108.9M | $101.1M | ||
| Q2 25 | $104.5M | $102.6M | ||
| Q1 25 | $102.1M | $170.8M | ||
| Q4 24 | $101.3M | $127.5M | ||
| Q3 24 | $106.0M | $92.9M | ||
| Q2 24 | $97.6M | $95.7M |
净利润NBHCUTL
| Q1 26 | $20.8M | — | ||
| Q4 25 | $16.0M | $19.0M | ||
| Q3 25 | $35.3M | $-300.0K | ||
| Q2 25 | $34.0M | $4.0M | ||
| Q1 25 | $24.2M | $27.5M | ||
| Q4 24 | $28.2M | $15.6M | ||
| Q3 24 | $33.1M | $0 | ||
| Q2 24 | $26.1M | $4.3M |
营业利润率NBHCUTL
| Q1 26 | — | — | ||
| Q4 25 | 19.0% | 21.5% | ||
| Q3 25 | 39.6% | 6.9% | ||
| Q2 25 | 39.8% | 13.0% | ||
| Q1 25 | 29.2% | 27.0% | ||
| Q4 24 | 34.3% | 22.1% | ||
| Q3 24 | 37.6% | 6.2% | ||
| Q2 24 | 32.5% | 13.0% |
净利率NBHCUTL
| Q1 26 | 16.4% | — | ||
| Q4 25 | 15.9% | 11.8% | ||
| Q3 25 | 32.4% | -0.3% | ||
| Q2 25 | 32.6% | 3.9% | ||
| Q1 25 | 23.7% | 16.1% | ||
| Q4 24 | 27.8% | 12.2% | ||
| Q3 24 | 31.2% | — | ||
| Q2 24 | 26.8% | 4.5% |
每股收益（稀释后）NBHCUTL
| Q1 26 | $0.46 | — | ||
| Q4 25 | $0.42 | $1.05 | ||
| Q3 25 | $0.92 | $-0.02 | ||
| Q2 25 | $0.88 | $0.25 | ||
| Q1 25 | $0.63 | $1.69 | ||
| Q4 24 | $0.72 | $0.97 | ||
| Q3 24 | $0.86 | $0.00 | ||
| Q2 24 | $0.68 | $0.27 |
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 | $472.8M | $15.6M |
| 总债务越低越好 | $202.1M | $670.5M |
| 股东权益账面价值 | $1.7B | $609.6M |
| 总资产 | $12.6B | $2.1B |
| 负债/权益比越低杠杆越低 | 0.12× | 1.10× |
8季度趋势，按日历期对齐
现金及短期投资NBHCUTL
| Q1 26 | $472.8M | — | ||
| Q4 25 | $417.1M | $15.6M | ||
| Q3 25 | $555.6M | $14.6M | ||
| Q2 25 | $296.5M | $8.5M | ||
| Q1 25 | $246.3M | $10.2M | ||
| Q4 24 | $127.8M | $6.3M | ||
| Q3 24 | $180.8M | $6.3M | ||
| Q2 24 | $145.0M | $2.8M |
总债务NBHCUTL
| Q1 26 | $202.1M | — | ||
| Q4 25 | $54.5M | $670.5M | ||
| Q3 25 | $54.7M | $670.5M | ||
| Q2 25 | $54.4M | $640.7M | ||
| Q1 25 | $54.6M | $642.1M | ||
| Q4 24 | $54.5M | $643.3M | ||
| Q3 24 | $54.4M | $643.3M | ||
| Q2 24 | $54.4M | $511.3M |
股东权益NBHCUTL
| Q1 26 | $1.7B | — | ||
| Q4 25 | $1.4B | $609.6M | ||
| Q3 25 | $1.4B | $597.2M | ||
| Q2 25 | $1.4B | $532.8M | ||
| Q1 25 | $1.3B | $534.1M | ||
| Q4 24 | $1.3B | $512.5M | ||
| Q3 24 | $1.3B | $502.4M | ||
| Q2 24 | $1.2B | $508.8M |
总资产NBHCUTL
| Q1 26 | $12.6B | — | ||
| Q4 25 | $9.9B | $2.1B | ||
| Q3 25 | $10.2B | $1.9B | ||
| Q2 25 | $10.0B | $1.9B | ||
| Q1 25 | $10.1B | $1.9B | ||
| Q4 24 | $9.8B | $1.8B | ||
| Q3 24 | $10.0B | $1.7B | ||
| Q2 24 | $10.0B | $1.7B |
负债/权益比NBHCUTL
| Q1 26 | 0.12× | — | ||
| Q4 25 | 0.04× | 1.10× | ||
| Q3 25 | 0.04× | 1.12× | ||
| Q2 25 | 0.04× | 1.20× | ||
| Q1 25 | 0.04× | 1.20× | ||
| Q4 24 | 0.04× | 1.26× | ||
| Q3 24 | 0.04× | 1.28× | ||
| Q2 24 | 0.04× | 1.00× |
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 | — | $21.4M |
| 自由现金流经营现金流 - 资本支出 | — | $-36.3M |
| 自由现金流率自由现金流/营收 | — | -22.5% |
| 资本支出强度资本支出/营收 | — | 35.7% |
| 现金转化率经营现金流/净利润 | — | 1.13× |
| 过去12个月自由现金流最近4个季度 | — | $-53.8M |
8季度趋势，按日历期对齐
经营现金流NBHCUTL
| Q1 26 | — | — | ||
| Q4 25 | $162.4M | $21.4M | ||
| Q3 25 | $52.4M | $15.6M | ||
| Q2 25 | $32.3M | $42.2M | ||
| Q1 25 | $39.6M | $52.1M | ||
| Q4 24 | $155.3M | $23.3M | ||
| Q3 24 | $47.0M | $26.1M | ||
| Q2 24 | $31.9M | $49.9M |
自由现金流NBHCUTL
| Q1 26 | — | — | ||
| Q4 25 | — | $-36.3M | ||
| Q3 25 | — | $-39.0M | ||
| Q2 25 | — | $2.0M | ||
| Q1 25 | — | $19.5M | ||
| Q4 24 | — | $-32.3M | ||
| Q3 24 | — | $-31.3M | ||
| Q2 24 | — | $13.2M |
自由现金流率NBHCUTL
| Q1 26 | — | — | ||
| Q4 25 | — | -22.5% | ||
| Q3 25 | — | -38.6% | ||
| Q2 25 | — | 1.9% | ||
| Q1 25 | — | 11.4% | ||
| Q4 24 | — | -25.3% | ||
| Q3 24 | — | -33.7% | ||
| Q2 24 | — | 13.8% |
资本支出强度NBHCUTL
| Q1 26 | — | — | ||
| Q4 25 | — | 35.7% | ||
| Q3 25 | — | 54.0% | ||
| Q2 25 | — | 39.2% | ||
| Q1 25 | — | 19.1% | ||
| Q4 24 | — | 43.6% | ||
| Q3 24 | — | 61.8% | ||
| Q2 24 | — | 38.3% |
现金转化率NBHCUTL
| Q1 26 | — | — | ||
| Q4 25 | 10.13× | 1.13× | ||
| Q3 25 | 1.48× | — | ||
| Q2 25 | 0.95× | 10.55× | ||
| Q1 25 | 1.64× | 1.89× | ||
| Q4 24 | 5.51× | 1.49× | ||
| Q3 24 | 1.42× | — | ||
| Q2 24 | 1.22× | 11.60× |
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
NBHC
| Net Interest Income | $108.8M | 86% |
| Noninterest Income | $18.0M | 14% |
UTL
暂无分部数据
