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美国合众银行（SMBC）与Third Coast Bancshares, Inc.（TCBX）财务数据对比。点击上方公司名可切换其他公司
Third Coast Bancshares, Inc.的季度营收约是美国合众银行的1.3倍（$57.7M vs $42.9M）。美国合众银行净利率更高（42.3% vs 28.4%，领先14.0%）。过去两年Third Coast Bancshares, Inc.的营收复合增速更高（21.8% vs 11.5%）
美国合众银行是一家总部位于明尼苏达州明尼阿波利斯、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银行，旗下核心经营实体美国银行全国协会以U.S. Bank名义开展业务，提供银行、投资、抵押等相关金融服务。
Third Coast Bancshares Inc.是一家总部位于美国墨西哥湾沿岸地区的区域性金融控股公司，主要为得克萨斯州及周边区域的中小企业、个人消费者和社区客户提供商业与零售银行服务，覆盖存贷款、抵押贷款、财富管理等业务。
SMBC vs TCBX — 直观对比
营收规模更大
TCBX
是对方的1.3倍
$42.9M
净利率更高
SMBC
高出14.0%
28.4%
两年增速更快
TCBX
近两年复合增速
11.5%
损益表 — Q2 2026 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $42.9M | $57.7M |
| 净利润 | $18.1M | $16.4M |
| 毛利率 | — | — |
| 营业利润率 | 52.9% | — |
| 净利率 | 42.3% | 28.4% |
| 营收同比 | 12.4% | — |
| 净利润同比 | 23.9% | 20.5% |
| 每股收益（稀释后） | $1.62 | $0.88 |
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SMBCTCBX
| Q1 26 | — | $57.7M | ||
| Q4 25 | $42.9M | $52.2M | ||
| Q3 25 | $42.4M | $50.8M | ||
| Q2 25 | $40.3M | $49.4M | ||
| Q1 25 | $39.5M | $42.8M | ||
| Q4 24 | $38.1M | $43.4M | ||
| Q3 24 | $36.7M | $40.4M | ||
| Q2 24 | $35.1M | $38.9M |
净利润SMBCTCBX
| Q1 26 | — | $16.4M | ||
| Q4 25 | $18.1M | $17.9M | ||
| Q3 25 | $15.7M | $18.1M | ||
| Q2 25 | $15.8M | $16.7M | ||
| Q1 25 | $15.7M | $13.6M | ||
| Q4 24 | $14.7M | $13.7M | ||
| Q3 24 | $12.5M | $12.8M | ||
| Q2 24 | $13.5M | $10.8M |
营业利润率SMBCTCBX
| Q1 26 | — | — | ||
| Q4 25 | 52.9% | 41.2% | ||
| Q3 25 | 45.8% | 44.9% | ||
| Q2 25 | 47.4% | 42.6% | ||
| Q1 25 | 50.2% | 40.5% | ||
| Q4 24 | 50.3% | 41.3% | ||
| Q3 24 | 43.2% | 40.3% | ||
| Q2 24 | 48.3% | 36.6% |
净利率SMBCTCBX
| Q1 26 | — | 28.4% | ||
| Q4 25 | 42.3% | 34.3% | ||
| Q3 25 | 36.9% | 35.5% | ||
| Q2 25 | 39.1% | 33.9% | ||
| Q1 25 | 39.7% | 31.8% | ||
| Q4 24 | 38.4% | 31.6% | ||
| Q3 24 | 34.0% | 31.6% | ||
| Q2 24 | 38.6% | 27.8% |
每股收益（稀释后）SMBCTCBX
| Q1 26 | — | $0.88 | ||
| Q4 25 | $1.62 | $1.02 | ||
| Q3 25 | $1.38 | $1.03 | ||
| Q2 25 | $1.39 | $0.96 | ||
| Q1 25 | $1.39 | $0.78 | ||
| Q4 24 | $1.30 | $0.80 | ||
| Q3 24 | $1.10 | $0.74 | ||
| Q2 24 | $1.20 | $0.63 |
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 | $134.1M | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $567.4M | $650.5M |
| 总资产 | $5.1B | $6.6B |
| 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SMBCTCBX
| Q1 26 | — | — | ||
| Q4 25 | $134.1M | $175.2M | ||
| Q3 25 | $124.1M | $116.4M | ||
| Q2 25 | $192.9M | $113.1M | ||
| Q1 25 | $226.9M | $219.0M | ||
| Q4 24 | $145.8M | $371.2M | ||
| Q3 24 | $75.3M | $258.2M | ||
| Q2 24 | $60.9M | $241.8M |
股东权益SMBCTCBX
| Q1 26 | — | $650.5M | ||
| Q4 25 | $567.4M | $531.0M | ||
| Q3 25 | $560.2M | $513.8M | ||
| Q2 25 | $544.7M | $496.1M | ||
| Q1 25 | $528.8M | $479.8M | ||
| Q4 24 | $512.4M | $460.7M | ||
| Q3 24 | $505.6M | $450.5M | ||
| Q2 24 | $488.7M | $435.0M |
总资产SMBCTCBX
| Q1 26 | — | $6.6B | ||
| Q4 25 | $5.1B | $5.3B | ||
| Q3 25 | $5.0B | $5.1B | ||
| Q2 25 | $5.0B | $4.9B | ||
| Q1 25 | $5.0B | $4.9B | ||
| Q4 24 | $4.9B | $4.9B | ||
| Q3 24 | $4.7B | $4.6B | ||
| Q2 24 | $4.6B | $4.5B |
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 | $21.3M | — |
| 自由现金流经营现金流 - 资本支出 | $20.2M | — |
| 自由现金流率自由现金流/营收 | 47.0% | — |
| 资本支出强度资本支出/营收 | 2.6% | — |
| 现金转化率经营现金流/净利润 | 1.17× | — |
| 过去12个月自由现金流最近4个季度 | $84.1M | — |
8季度趋势，按日历期对齐
经营现金流SMBCTCBX
| Q1 26 | — | — | ||
| Q4 25 | $21.3M | $5.7M | ||
| Q3 25 | $16.3M | $20.7M | ||
| Q2 25 | $27.3M | $13.9M | ||
| Q1 25 | $24.1M | $10.5M | ||
| Q4 24 | $20.1M | $-3.6M | ||
| Q3 24 | $10.0M | $22.0M | ||
| Q2 24 | $15.2M | $7.3M |
自由现金流SMBCTCBX
| Q1 26 | — | — | ||
| Q4 25 | $20.2M | — | ||
| Q3 25 | $15.4M | — | ||
| Q2 25 | $25.8M | — | ||
| Q1 25 | $22.7M | — | ||
| Q4 24 | $18.2M | — | ||
| Q3 24 | $8.6M | — | ||
| Q2 24 | $13.3M | — |
自由现金流率SMBCTCBX
| Q1 26 | — | — | ||
| Q4 25 | 47.0% | — | ||
| Q3 25 | 36.3% | — | ||
| Q2 25 | 64.1% | — | ||
| Q1 25 | 57.6% | — | ||
| Q4 24 | 47.6% | — | ||
| Q3 24 | 23.4% | — | ||
| Q2 24 | 37.9% | — |
资本支出强度SMBCTCBX
| Q1 26 | — | — | ||
| Q4 25 | 2.6% | — | ||
| Q3 25 | 2.1% | — | ||
| Q2 25 | 3.7% | — | ||
| Q1 25 | 3.5% | — | ||
| Q4 24 | 5.2% | — | ||
| Q3 24 | 3.9% | — | ||
| Q2 24 | 5.5% | — |
现金转化率SMBCTCBX
| Q1 26 | — | — | ||
| Q4 25 | 1.17× | 0.32× | ||
| Q3 25 | 1.04× | 1.15× | ||
| Q2 25 | 1.73× | 0.83× | ||
| Q1 25 | 1.54× | 0.77× | ||
| Q4 24 | 1.37× | -0.26× | ||
| Q3 24 | 0.80× | 1.72× | ||
| Q2 24 | 1.12× | 0.68× |
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
SMBC
暂无分部数据
TCBX
| Net Interest Income | $53.6M | 93% |
| Noninterest Income | $4.0M | 7% |
