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合众银行（STBA）与null（SWIM）财务数据对比。点击上方公司名可切换其他公司
合众银行的季度营收约是null的1.0倍（$102.1M vs $100.0M），合众银行净利率更高（34.4% vs -7.0%，领先41.4%），过去两年合众银行的营收复合增速更高（2.6% vs -4.9%）
合众银行是总部位于美国明尼苏达州明尼阿波利斯、注册地为特拉华州的跨国银行机构，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。旗下核心运营主体为美国合众银行全国协会，以“U.S. Bank”品牌开展业务，提供银行、投资、抵押贷款等多元金融服务。
该企业是一家源自美国的跨国律师事务所，1934年创立于加利福尼亚州洛杉矶，在诉讼业务、公司法务以及监管合规法律领域拥有深厚的行业积累与知名度，是全球颇具影响力的综合性律所之一。
STBA vs SWIM — 直观对比
营收规模更大
STBA
是对方的1.0倍
$100.0M
净利率更高
STBA
高出41.4%
-7.0%
两年增速更快
STBA
近两年复合增速
-4.9%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $102.1M | $100.0M |
| 净利润 | $35.1M | $-7.0M |
| 毛利率 | — | 28.0% |
| 营业利润率 | — | -10.7% |
| 净利率 | 34.4% | -7.0% |
| 营收同比 | — | 14.5% |
| 净利润同比 | 5.0% | 76.0% |
| 每股收益（稀释后） | $0.94 | $-0.06 |
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STBASWIM
| Q1 26 | $102.1M | — | ||
| Q4 25 | $105.3M | $100.0M | ||
| Q3 25 | $103.0M | $161.9M | ||
| Q2 25 | $100.1M | $172.6M | ||
| Q1 25 | $93.8M | $111.4M | ||
| Q4 24 | $94.3M | $87.3M | ||
| Q3 24 | $96.4M | $150.5M | ||
| Q2 24 | $96.9M | $160.1M |
净利润STBASWIM
| Q1 26 | $35.1M | — | ||
| Q4 25 | $34.0M | $-7.0M | ||
| Q3 25 | $35.0M | $8.1M | ||
| Q2 25 | $31.9M | $16.0M | ||
| Q1 25 | $33.4M | $-6.0M | ||
| Q4 24 | $33.1M | $-29.2M | ||
| Q3 24 | $32.6M | $5.9M | ||
| Q2 24 | $34.4M | $13.3M |
毛利率STBASWIM
| Q1 26 | — | — | ||
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 35.4% | ||
| Q2 25 | — | 37.1% | ||
| Q1 25 | — | 29.5% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 32.4% | ||
| Q2 24 | — | 33.1% |
营业利润率STBASWIM
| Q1 26 | — | — | ||
| Q4 25 | 40.3% | -10.7% | ||
| Q3 25 | 42.6% | 13.3% | ||
| Q2 25 | 40.0% | 14.3% | ||
| Q1 25 | 44.5% | -4.4% | ||
| Q4 24 | 43.8% | -14.9% | ||
| Q3 24 | 43.0% | 8.9% | ||
| Q2 24 | 44.2% | 12.5% |
净利率STBASWIM
| Q1 26 | 34.4% | — | ||
| Q4 25 | 32.3% | -7.0% | ||
| Q3 25 | 33.9% | 5.0% | ||
| Q2 25 | 31.9% | 9.3% | ||
| Q1 25 | 35.6% | -5.4% | ||
| Q4 24 | 35.1% | -33.4% | ||
| Q3 24 | 33.8% | 3.9% | ||
| Q2 24 | 35.5% | 8.3% |
每股收益（稀释后）STBASWIM
| Q1 26 | $0.94 | — | ||
| Q4 25 | $0.88 | $-0.06 | ||
| Q3 25 | $0.91 | $0.07 | ||
| Q2 25 | $0.83 | $0.13 | ||
| Q1 25 | $0.87 | $-0.05 | ||
| Q4 24 | $0.86 | $-0.24 | ||
| Q3 24 | $0.85 | $0.05 | ||
| Q2 24 | $0.89 | $0.11 |
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 | $100.8M | $279.8M |
| 股东权益账面价值 | $1.4B | $405.9M |
| 总资产 | $9.9B | $823.2M |
| 负债/权益比越低杠杆越低 | 0.07× | 0.69× |
8季度趋势，按日历期对齐
现金及短期投资STBASWIM
| Q1 26 | — | — | ||
| Q4 25 | $163.4M | — | ||
| Q3 25 | $196.2M | — | ||
| Q2 25 | $203.1M | — | ||
| Q1 25 | $211.8M | — | ||
| Q4 24 | $244.8M | — | ||
| Q3 24 | $228.1M | — | ||
| Q2 24 | $246.3M | — |
总债务STBASWIM
| Q1 26 | $100.8M | — | ||
| Q4 25 | — | $279.8M | ||
| Q3 25 | — | $281.1M | ||
| Q2 25 | — | $281.5M | ||
| Q1 25 | — | $306.9M | ||
| Q4 24 | — | $281.5M | ||
| Q3 24 | — | $282.8M | ||
| Q2 24 | — | $282.4M |
股东权益STBASWIM
| Q1 26 | $1.4B | — | ||
| Q4 25 | $1.5B | $405.9M | ||
| Q3 25 | $1.5B | $408.4M | ||
| Q2 25 | $1.4B | $398.4M | ||
| Q1 25 | $1.4B | $381.1M | ||
| Q4 24 | $1.4B | $387.2M | ||
| Q3 24 | $1.4B | $416.6M | ||
| Q2 24 | $1.3B | $408.1M |
总资产STBASWIM
| Q1 26 | $9.9B | — | ||
| Q4 25 | $9.9B | $823.2M | ||
| Q3 25 | $9.8B | $844.4M | ||
| Q2 25 | $9.8B | $822.1M | ||
| Q1 25 | $9.7B | $824.6M | ||
| Q4 24 | $9.7B | $794.2M | ||
| Q3 24 | $9.6B | $853.4M | ||
| Q2 24 | $9.6B | $830.0M |
负债/权益比STBASWIM
| Q1 26 | 0.07× | — | ||
| Q4 25 | — | 0.69× | ||
| Q3 25 | — | 0.69× | ||
| Q2 25 | — | 0.71× | ||
| Q1 25 | — | 0.81× | ||
| Q4 24 | — | 0.73× | ||
| Q3 24 | — | 0.68× | ||
| Q2 24 | — | 0.69× |
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 | — | $23.3M |
| 自由现金流经营现金流 - 资本支出 | — | $14.1M |
| 自由现金流率自由现金流/营收 | — | 14.1% |
| 资本支出强度资本支出/营收 | — | 9.2% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $38.0M |
8季度趋势，按日历期对齐
经营现金流STBASWIM
| Q1 26 | — | — | ||
| Q4 25 | $133.6M | $23.3M | ||
| Q3 25 | $40.5M | $51.0M | ||
| Q2 25 | $28.3M | $36.0M | ||
| Q1 25 | $28.7M | $-46.9M | ||
| Q4 24 | $173.4M | $6.2M | ||
| Q3 24 | $27.6M | $37.2M | ||
| Q2 24 | $44.7M | $52.4M |
自由现金流STBASWIM
| Q1 26 | — | — | ||
| Q4 25 | $128.8M | $14.1M | ||
| Q3 25 | $39.9M | $45.2M | ||
| Q2 25 | $27.1M | $29.1M | ||
| Q1 25 | $27.0M | $-50.3M | ||
| Q4 24 | $170.4M | $-98.0K | ||
| Q3 24 | $26.9M | $33.2M | ||
| Q2 24 | $43.9M | $47.9M |
自由现金流率STBASWIM
| Q1 26 | — | — | ||
| Q4 25 | 122.4% | 14.1% | ||
| Q3 25 | 38.7% | 27.9% | ||
| Q2 25 | 27.1% | 16.8% | ||
| Q1 25 | 28.8% | -45.2% | ||
| Q4 24 | 180.7% | -0.1% | ||
| Q3 24 | 28.0% | 22.1% | ||
| Q2 24 | 45.3% | 29.9% |
资本支出强度STBASWIM
| Q1 26 | — | — | ||
| Q4 25 | 4.5% | 9.2% | ||
| Q3 25 | 0.6% | 3.6% | ||
| Q2 25 | 1.2% | 4.0% | ||
| Q1 25 | 1.8% | 3.1% | ||
| Q4 24 | 3.1% | 7.2% | ||
| Q3 24 | 0.7% | 2.7% | ||
| Q2 24 | 0.9% | 2.8% |
现金转化率STBASWIM
| Q1 26 | — | — | ||
| Q4 25 | 3.93× | — | ||
| Q3 25 | 1.16× | 6.29× | ||
| Q2 25 | 0.89× | 2.25× | ||
| Q1 25 | 0.86× | — | ||
| Q4 24 | 5.24× | — | ||
| Q3 24 | 0.85× | 6.32× | ||
| Q2 24 | 1.30× | 3.95× |
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
STBA
| Net Interest Income | $88.4M | 87% |
| Noninterest Income | $13.6M | 13% |
SWIM
| In Ground Swimming Pools | $50.2M | 50% |
| Covers | $37.0M | 37% |
| Liners | $12.7M | 13% |
