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美国合众银行（SMBC）与Winchester Bancorp, Inc.（WSBK）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Winchester Bancorp, Inc.的7.7倍（$49.6M vs $6.4M），美国合众银行净利率更高（36.6% vs 16.7%，领先19.9%），Winchester Bancorp, Inc.同比增速更快（45.8% vs 10.3%）
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。
温彻斯特银行控股公司（马里兰州）是一家区域性银行控股企业，主要在马里兰州运营社区银行网点，面向个人消费者和当地中小微企业客户提供存款账户、按揭贷款、小微企业贷款及财富管理等各类零售及商业银行服务。
SMBC vs WSBK — 直观对比
营收规模更大
SMBC
是对方的7.7倍
$6.4M
营收增速更快
WSBK
高出35.5%
10.3%
净利率更高
SMBC
高出19.9%
16.7%
损益表 — Q2 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $49.6M | $6.4M |
| 净利润 | $18.1M | $1.1M |
| 毛利率 | — | — |
| 营业利润率 | 45.7% | 20.9% |
| 净利率 | 36.6% | 16.7% |
| 营收同比 | 10.3% | 45.8% |
| 净利润同比 | 23.9% | 187.9% |
| 每股收益（稀释后） | $1.62 | $0.12 |
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SMBCWSBK
| Q4 25 | $49.6M | $6.4M | ||
| Q3 25 | $49.0M | $5.8M | ||
| Q2 25 | $47.6M | — | ||
| Q1 25 | $46.1M | $4.4M | ||
| Q4 24 | $45.0M | $4.4M | ||
| Q3 24 | $43.8M | — | ||
| Q2 24 | $42.9M | — | ||
| Q1 24 | $40.1M | — |
净利润SMBCWSBK
| Q4 25 | $18.1M | $1.1M | ||
| Q3 25 | $15.7M | $962.0K | ||
| Q2 25 | $15.8M | — | ||
| Q1 25 | $15.7M | $305.0K | ||
| Q4 24 | $14.7M | $373.0K | ||
| Q3 24 | $12.5M | — | ||
| Q2 24 | $13.5M | — | ||
| Q1 24 | $11.3M | — |
营业利润率SMBCWSBK
| Q4 25 | 45.7% | 20.9% | ||
| Q3 25 | 39.7% | 22.8% | ||
| Q2 25 | 40.2% | — | ||
| Q1 25 | 43.0% | 8.5% | ||
| Q4 24 | 42.7% | 9.4% | ||
| Q3 24 | 36.1% | — | ||
| Q2 24 | 39.6% | — | ||
| Q1 24 | 35.3% | — |
净利率SMBCWSBK
| Q4 25 | 36.6% | 16.7% | ||
| Q3 25 | 31.9% | 16.6% | ||
| Q2 25 | 33.2% | — | ||
| Q1 25 | 34.0% | 7.0% | ||
| Q4 24 | 32.6% | 8.4% | ||
| Q3 24 | 28.4% | — | ||
| Q2 24 | 31.6% | — | ||
| Q1 24 | 28.2% | — |
每股收益（稀释后）SMBCWSBK
| Q4 25 | $1.62 | $0.12 | ||
| Q3 25 | $1.38 | $0.11 | ||
| Q2 25 | $1.39 | — | ||
| Q1 25 | $1.39 | — | ||
| Q4 24 | $1.30 | — | ||
| Q3 24 | $1.10 | — | ||
| Q2 24 | $1.20 | — | ||
| Q1 24 | $0.99 | — |
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 | $54.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $567.4M | $118.2M |
| 总资产 | $5.1B | $1.0B |
| 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SMBCWSBK
| Q4 25 | $134.1M | $54.8M | ||
| Q3 25 | $124.1M | $57.7M | ||
| Q2 25 | $192.9M | — | ||
| Q1 25 | $226.9M | $66.6M | ||
| Q4 24 | $145.8M | $41.5M | ||
| Q3 24 | $75.3M | — | ||
| Q2 24 | $60.9M | — | ||
| Q1 24 | $168.3M | — |
股东权益SMBCWSBK
| Q4 25 | $567.4M | $118.2M | ||
| Q3 25 | $560.2M | $117.0M | ||
| Q2 25 | $544.7M | — | ||
| Q1 25 | $528.8M | $80.9M | ||
| Q4 24 | $512.4M | $80.3M | ||
| Q3 24 | $505.6M | — | ||
| Q2 24 | $488.7M | — | ||
| Q1 24 | $479.6M | — |
总资产SMBCWSBK
| Q4 25 | $5.1B | $1.0B | ||
| Q3 25 | $5.0B | $1.0B | ||
| Q2 25 | $5.0B | — | ||
| Q1 25 | $5.0B | $923.1M | ||
| Q4 24 | $4.9B | $894.1M | ||
| Q3 24 | $4.7B | — | ||
| Q2 24 | $4.6B | — | ||
| Q1 24 | $4.6B | — |
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 | $21.3M | $1.6M |
| 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 | 40.6% | — |
| 资本支出强度资本支出/营收 | 2.2% | — |
| 现金转化率经营现金流/净利润 | 1.17× | 1.44× |
| 过去12个月自由现金流最近4个季度 | $133.6M | — |
8季度趋势，按日历期对齐
经营现金流SMBCWSBK
| Q4 25 | $21.3M | $1.6M | ||
| Q3 25 | $16.3M | $1.4M | ||
| Q2 25 | $81.6M | — | ||
| Q1 25 | $24.1M | $848.0K | ||
| Q4 24 | $20.1M | — | ||
| Q3 24 | $10.0M | — | ||
| Q2 24 | $70.3M | — | ||
| Q1 24 | $23.9M | — |
自由现金流SMBCWSBK
| Q4 25 | $20.2M | — | ||
| Q3 25 | $15.4M | — | ||
| Q2 25 | $75.3M | — | ||
| Q1 25 | $22.7M | — | ||
| Q4 24 | $18.2M | — | ||
| Q3 24 | $8.6M | — | ||
| Q2 24 | $61.2M | — | ||
| Q1 24 | $19.6M | — |
自由现金流率SMBCWSBK
| Q4 25 | 40.6% | — | ||
| Q3 25 | 31.4% | — | ||
| Q2 25 | 158.1% | — | ||
| Q1 25 | 49.3% | — | ||
| Q4 24 | 40.3% | — | ||
| Q3 24 | 19.5% | — | ||
| Q2 24 | 142.8% | — | ||
| Q1 24 | 48.8% | — |
资本支出强度SMBCWSBK
| Q4 25 | 2.2% | — | ||
| Q3 25 | 1.8% | — | ||
| Q2 25 | 13.2% | — | ||
| Q1 25 | 3.0% | — | ||
| Q4 24 | 4.4% | — | ||
| Q3 24 | 3.3% | — | ||
| Q2 24 | 21.1% | — | ||
| Q1 24 | 10.8% | — |
现金转化率SMBCWSBK
| Q4 25 | 1.17× | 1.44× | ||
| Q3 25 | 1.04× | 1.41× | ||
| Q2 25 | 5.17× | — | ||
| Q1 25 | 1.54× | 2.78× | ||
| Q4 24 | 1.37× | — | ||
| Q3 24 | 0.80× | — | ||
| Q2 24 | 5.19× | — | ||
| Q1 24 | 2.11× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
