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PBF Energy Inc.（PBF）与美国合众银行（USB）财务数据对比。点击上方公司名可切换其他公司
美国合众银行的季度营收约是PBF Energy Inc.的1.0倍（$7.4B vs $7.1B），美国合众银行净利率更高（27.8% vs 1.1%，领先26.7%），美国合众银行同比增速更快（5.1% vs -2.9%），过去两年美国合众银行的营收复合增速更高（4.7% vs -9.1%）
PBF能源是一家美国石油炼制与物流企业，主营交通燃料、取暖油、润滑剂、石化原料及其他石油产品的生产与销售，在美国拥有并运营6座炼油厂，分布于路易斯安那州查尔梅特、俄亥俄州托莱多、新泽西州保尔斯伯勒、特拉华州特拉华城、加利福尼亚州托伦斯和马丁内斯。
美国合众银行是美国跨国银行机构，总部位于明尼苏达州明尼阿波利斯，在特拉华州注册成立。截至2025年为美国第五大银行，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系统重要性机构，旗下核心运营主体提供银行、投资、按揭等多元金融服务。
PBF vs USB — 直观对比
营收规模更大
USB
是对方的1.0倍
$7.1B
营收增速更快
USB
高出8.0%
-2.9%
净利率更高
USB
高出26.7%
1.1%
两年增速更快
USB
近两年复合增速
-9.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $7.1B | $7.4B |
| 净利润 | $78.4M | $2.0B |
| 毛利率 | -1.8% | — |
| 营业利润率 | 1.8% | 34.4% |
| 净利率 | 1.1% | 27.8% |
| 营收同比 | -2.9% | 5.1% |
| 净利润同比 | 127.1% | 23.0% |
| 每股收益（稀释后） | $0.74 | $1.26 |
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PBFUSB
| Q4 25 | $7.1B | $7.4B | ||
| Q3 25 | $7.7B | $7.3B | ||
| Q2 25 | $7.5B | $7.0B | ||
| Q1 25 | $7.1B | $7.0B | ||
| Q4 24 | $7.4B | $7.0B | ||
| Q3 24 | $8.4B | $6.9B | ||
| Q2 24 | $8.7B | $6.9B | ||
| Q1 24 | $8.6B | $6.7B |
净利润PBFUSB
| Q4 25 | $78.4M | $2.0B | ||
| Q3 25 | $170.1M | $2.0B | ||
| Q2 25 | $-5.2M | $1.8B | ||
| Q1 25 | $-401.8M | $1.7B | ||
| Q4 24 | $-289.3M | $1.7B | ||
| Q3 24 | $-285.9M | $1.7B | ||
| Q2 24 | $-65.2M | $1.6B | ||
| Q1 24 | $106.6M | $1.3B |
毛利率PBFUSB
| Q4 25 | -1.8% | — | ||
| Q3 25 | 0.5% | — | ||
| Q2 25 | -0.8% | — | ||
| Q1 25 | -5.9% | — | ||
| Q4 24 | -4.2% | — | ||
| Q3 24 | -3.4% | — | ||
| Q2 24 | 0.1% | — | ||
| Q1 24 | 2.5% | — |
营业利润率PBFUSB
| Q4 25 | 1.8% | 34.4% | ||
| Q3 25 | 3.7% | 34.5% | ||
| Q2 25 | 0.6% | 32.7% | ||
| Q1 25 | -7.2% | 31.0% | ||
| Q4 24 | -5.2% | 30.1% | ||
| Q3 24 | -4.6% | 30.2% | ||
| Q2 24 | -0.9% | 29.9% | ||
| Q1 24 | 1.7% | 24.9% |
净利率PBFUSB
| Q4 25 | 1.1% | 27.8% | ||
| Q3 25 | 2.2% | 27.3% | ||
| Q2 25 | -0.1% | 25.9% | ||
| Q1 25 | -5.7% | 24.6% | ||
| Q4 24 | -3.9% | 23.7% | ||
| Q3 24 | -3.4% | 25.0% | ||
| Q2 24 | -0.7% | 23.3% | ||
| Q1 24 | 1.2% | 19.6% |
每股收益（稀释后）PBFUSB
| Q4 25 | $0.74 | $1.26 | ||
| Q3 25 | $1.45 | $1.22 | ||
| Q2 25 | $-0.05 | $1.11 | ||
| Q1 25 | $-3.53 | $1.03 | ||
| Q4 24 | $-2.41 | $1.01 | ||
| Q3 24 | $-2.49 | $1.03 | ||
| Q2 24 | $-0.56 | $0.97 | ||
| Q1 24 | $0.86 | $0.78 |
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 | $527.9M | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $5.3B | $65.2B |
| 总资产 | $13.0B | $692.3B |
| 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PBFUSB
| Q4 25 | $527.9M | — | ||
| Q3 25 | $482.0M | — | ||
| Q2 25 | $590.7M | — | ||
| Q1 25 | $468.6M | — | ||
| Q4 24 | $536.1M | — | ||
| Q3 24 | $976.7M | — | ||
| Q2 24 | $1.4B | — | ||
| Q1 24 | $1.4B | — |
股东权益PBFUSB
| Q4 25 | $5.3B | $65.2B | ||
| Q3 25 | $5.2B | $63.3B | ||
| Q2 25 | $5.1B | $61.4B | ||
| Q1 25 | $5.1B | $60.1B | ||
| Q4 24 | $5.5B | $58.6B | ||
| Q3 24 | $5.9B | $58.9B | ||
| Q2 24 | $6.3B | $56.4B | ||
| Q1 24 | $6.5B | $55.6B |
总资产PBFUSB
| Q4 25 | $13.0B | $692.3B | ||
| Q3 25 | $13.0B | $695.4B | ||
| Q2 25 | $13.0B | $686.4B | ||
| Q1 25 | $13.0B | $676.5B | ||
| Q4 24 | $12.7B | $678.3B | ||
| Q3 24 | $13.1B | $686.5B | ||
| Q2 24 | $14.1B | $680.1B | ||
| Q1 24 | $13.8B | $683.6B |
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 | $366.6M | $2.8B |
| 自由现金流经营现金流 - 资本支出 | $77.0M | — |
| 自由现金流率自由现金流/营收 | 1.1% | — |
| 资本支出强度资本支出/营收 | 4.1% | — |
| 现金转化率经营现金流/净利润 | 4.68× | 1.39× |
| 过去12个月自由现金流最近4个季度 | $-783.2M | — |
8季度趋势，按日历期对齐
经营现金流PBFUSB
| Q4 25 | $366.6M | $2.8B | ||
| Q3 25 | $25.7M | $3.4B | ||
| Q2 25 | $191.1M | $2.0B | ||
| Q1 25 | $-661.4M | $-285.0M | ||
| Q4 24 | $-329.7M | $4.8B | ||
| Q3 24 | $-68.0M | $972.0M | ||
| Q2 24 | $425.3M | $2.9B | ||
| Q1 24 | $15.8M | $2.7B |
自由现金流PBFUSB
| Q4 25 | $77.0M | — | ||
| Q3 25 | $-122.8M | — | ||
| Q2 25 | $35.0M | — | ||
| Q1 25 | $-772.4M | — | ||
| Q4 24 | $-425.7M | — | ||
| Q3 24 | $-169.8M | — | ||
| Q2 24 | $371.8M | — | ||
| Q1 24 | $-123.8M | — |
自由现金流率PBFUSB
| Q4 25 | 1.1% | — | ||
| Q3 25 | -1.6% | — | ||
| Q2 25 | 0.5% | — | ||
| Q1 25 | -10.9% | — | ||
| Q4 24 | -5.8% | — | ||
| Q3 24 | -2.0% | — | ||
| Q2 24 | 4.3% | — | ||
| Q1 24 | -1.4% | — |
资本支出强度PBFUSB
| Q4 25 | 4.1% | — | ||
| Q3 25 | 1.9% | — | ||
| Q2 25 | 2.1% | — | ||
| Q1 25 | 1.6% | — | ||
| Q4 24 | 1.3% | — | ||
| Q3 24 | 1.2% | — | ||
| Q2 24 | 0.6% | — | ||
| Q1 24 | 1.6% | — |
现金转化率PBFUSB
| Q4 25 | 4.68× | 1.39× | ||
| Q3 25 | 0.15× | 1.69× | ||
| Q2 25 | — | 1.12× | ||
| Q1 25 | — | -0.17× | ||
| Q4 24 | — | 2.87× | ||
| Q3 24 | — | 0.57× | ||
| Q2 24 | — | 1.79× | ||
| Q1 24 | 0.15× | 2.02× |
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
PBF
| Gasoline And Distillate | $6.4B | 89% |
| Asphaltand Residual Oil | $283.6M | 4% |
| Other | $149.4M | 2% |
| Chemicals | $145.1M | 2% |
| Logistics Group | $93.5M | 1% |
| Lubricants | $81.9M | 1% |
USB
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