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Regions Financial Corporation（RF）与Truist Financial（TFC）财务数据对比。点击上方公司名可切换其他公司
Truist Financial的季度营收约是Regions Financial Corporation的2.9倍（$3.7B vs $1.3B），Regions Financial Corporation净利率更高（41.7% vs 36.6%，领先5.1%），Regions Financial Corporation同比增速更快（4.1% vs 3.1%），过去两年Truist Financial的营收复合增速更高（4.8% vs 4.0%）
Regions Financial Corporation是美国银行控股企业，总部位于阿拉巴马州伯明翰市。公司提供零售及商业银行、信托、股票经纪、抵押贷款等服务，旗下银行业务子公司Regions Bank在美国南部和中西部15个州运营约1300家营业网点和2000台自动柜员机，服务大量当地个人及企业客户。
Truist Financial是美国银行控股公司，总部位于北卡罗来纳州夏洛特，2019年12月由BB&T与SunTrust合并组建。旗下银行在15个州及华盛顿特区共运营1928家网点，提供零售、商业、投资银行、证券经纪、资产管理、抵押贷款、保险等多元金融产品服务，为美国第十大银行，总资产达5230亿美元。
RF vs TFC — 直观对比
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.3B | $3.7B |
| 净利润 | $534.0M | $1.4B |
| 毛利率 | — | — |
| 营业利润率 | 55.3% | 42.3% |
| 净利率 | 41.7% | 36.6% |
| 营收同比 | 4.1% | 3.1% |
| 净利润同比 | 0.0% | 6.1% |
| 每股收益（稀释后） | $0.59 | $1.01 |
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
| Q4 25 | $1.3B | $3.7B | ||
| Q3 25 | $1.3B | $3.6B | ||
| Q2 25 | $1.3B | $3.6B | ||
| Q1 25 | $1.2B | $3.5B | ||
| Q4 24 | $1.2B | $3.6B | ||
| Q3 24 | $1.2B | $3.6B | ||
| Q2 24 | $1.2B | $3.5B | ||
| Q1 24 | $1.2B | $3.4B |
| Q4 25 | $534.0M | $1.4B | ||
| Q3 25 | $569.0M | $1.5B | ||
| Q2 25 | $563.0M | $1.2B | ||
| Q1 25 | $490.0M | $1.3B | ||
| Q4 24 | $534.0M | $1.3B | ||
| Q3 24 | $490.0M | $1.4B | ||
| Q2 24 | $501.0M | $922.0M | ||
| Q1 24 | $368.0M | $1.2B |
| Q4 25 | 55.3% | 42.3% | ||
| Q3 25 | 56.3% | 47.9% | ||
| Q2 25 | 56.1% | 42.2% | ||
| Q1 25 | 52.0% | 43.8% | ||
| Q4 24 | 53.4% | 43.3% | ||
| Q3 24 | 49.9% | 47.5% | ||
| Q2 24 | 52.7% | -148.3% | ||
| Q1 24 | 39.2% | 40.5% |
| Q4 25 | 41.7% | 36.6% | ||
| Q3 25 | 45.3% | 40.0% | ||
| Q2 25 | 44.7% | 34.6% | ||
| Q1 25 | 41.0% | 36.0% | ||
| Q4 24 | 43.4% | 35.5% | ||
| Q3 24 | 40.2% | 40.0% | ||
| Q2 24 | 42.2% | 26.1% | ||
| Q1 24 | 31.1% | 35.6% |
| Q4 25 | $0.59 | $1.01 | ||
| Q3 25 | $0.61 | $1.04 | ||
| Q2 25 | $0.59 | $0.90 | ||
| Q1 25 | $0.51 | $0.87 | ||
| Q4 24 | $0.55 | $0.94 | ||
| Q3 24 | $0.49 | $0.99 | ||
| Q2 24 | $0.52 | $0.62 | ||
| Q1 24 | $0.37 | $0.81 |
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 | — | — |
| 总债务越低越好 | $4.1B | $42.0B |
| 股东权益账面价值 | $19.0B | $65.2B |
| 总资产 | $158.8B | $547.5B |
| 负债/权益比越低杠杆越低 | 0.22× | 0.64× |
8季度趋势，按日历期对齐
| Q4 25 | $4.1B | $42.0B | ||
| Q3 25 | $4.8B | $41.7B | ||
| Q2 25 | $5.3B | $44.4B | ||
| Q1 25 | $6.0B | $32.0B | ||
| Q4 24 | $6.0B | $35.0B | ||
| Q3 24 | $6.0B | $36.8B | ||
| Q2 24 | $5.1B | $34.6B | ||
| Q1 24 | $3.3B | $39.1B |
| Q4 25 | $19.0B | $65.2B | ||
| Q3 25 | $19.0B | $65.6B | ||
| Q2 25 | $18.7B | $64.8B | ||
| Q1 25 | $18.5B | $64.6B | ||
| Q4 24 | $17.9B | $63.7B | ||
| Q3 24 | $18.7B | $65.7B | ||
| Q2 24 | $17.2B | $63.8B | ||
| Q1 24 | $17.0B | $59.1B |
| Q4 25 | $158.8B | $547.5B | ||
| Q3 25 | $159.9B | $543.9B | ||
| Q2 25 | $159.2B | $543.8B | ||
| Q1 25 | $159.8B | $535.9B | ||
| Q4 24 | $157.3B | $531.2B | ||
| Q3 24 | $157.4B | $523.4B | ||
| Q2 24 | $154.1B | $519.9B | ||
| Q1 24 | $154.9B | $535.0B |
| Q4 25 | 0.22× | 0.64× | ||
| Q3 25 | 0.25× | 0.64× | ||
| Q2 25 | 0.28× | 0.69× | ||
| Q1 25 | 0.32× | 0.50× | ||
| Q4 24 | 0.34× | 0.55× | ||
| Q3 24 | 0.32× | 0.56× | ||
| Q2 24 | 0.30× | 0.54× | ||
| Q1 24 | 0.20× | 0.66× |
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 | $-319.0M | $2.6B |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | -0.60× | 1.91× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
| Q4 25 | $-319.0M | $2.6B | ||
| Q3 25 | $861.0M | $1.5B | ||
| Q2 25 | $573.0M | $914.0M | ||
| Q1 25 | $1.1B | $746.0M | ||
| Q4 24 | $-220.0M | $775.0M | ||
| Q3 24 | $1.3B | $1.5B | ||
| Q2 24 | $161.0M | $845.0M | ||
| Q1 24 | $396.0M | $-990.0M |
| Q4 25 | -0.60× | 1.91× | ||
| Q3 25 | 1.51× | 1.03× | ||
| Q2 25 | 1.02× | 0.74× | ||
| Q1 25 | 2.18× | 0.59× | ||
| Q4 24 | -0.41× | 0.61× | ||
| Q3 24 | 2.57× | 1.06× | ||
| Q2 24 | 0.32× | 0.92× | ||
| Q1 24 | 1.08× | -0.82× |
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
RF
| Consumer Bank | $747.0M | 58% |
| Corporate Bank | $487.0M | 38% |
| Wealth Management | $47.0M | 4% |
TFC
暂无分部数据
