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合众银行（STBA）与UNITIL CORP（UTL）财务数据对比。点击上方公司名可切换其他公司
UNITIL CORP的季度营收约是合众银行的1.6倍（$161.5M vs $102.1M），合众银行净利率更高（34.4% vs 11.8%，领先22.6%），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。
Unitil是一家跨州电力与天然气公用事业公司，业务覆盖美国新罕布什尔州、马萨诸塞州与缅因州。公司最早前身是1849年在缅因州成立的波特兰煤气灯公司，现企业主体于1984年设立，总部位于新罕布什尔州。目前公司总市值约6.8651亿美元，为约10.24万电力客户、超7.59万天然气客户提供服务。
STBA vs UTL — 直观对比
营收规模更大
UTL
是对方的1.6倍
$102.1M
净利率更高
STBA
高出22.6%
11.8%
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 | $161.5M |
| 净利润 | $35.1M | $19.0M |
| 毛利率 | — | — |
| 营业利润率 | — | 21.5% |
| 净利率 | 34.4% | 11.8% |
| 营收同比 | — | 26.7% |
| 净利润同比 | 5.0% | 21.8% |
| 每股收益（稀释后） | $0.94 | $1.05 |
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STBAUTL
| Q1 26 | $102.1M | — | ||
| Q4 25 | $105.3M | $161.5M | ||
| Q3 25 | $103.0M | $101.1M | ||
| Q2 25 | $100.1M | $102.6M | ||
| Q1 25 | $93.8M | $170.8M | ||
| Q4 24 | $94.3M | $127.5M | ||
| Q3 24 | $96.4M | $92.9M | ||
| Q2 24 | $96.9M | $95.7M |
净利润STBAUTL
| Q1 26 | $35.1M | — | ||
| Q4 25 | $34.0M | $19.0M | ||
| Q3 25 | $35.0M | $-300.0K | ||
| Q2 25 | $31.9M | $4.0M | ||
| Q1 25 | $33.4M | $27.5M | ||
| Q4 24 | $33.1M | $15.6M | ||
| Q3 24 | $32.6M | $0 | ||
| Q2 24 | $34.4M | $4.3M |
营业利润率STBAUTL
| Q1 26 | — | — | ||
| Q4 25 | 40.3% | 21.5% | ||
| Q3 25 | 42.6% | 6.9% | ||
| Q2 25 | 40.0% | 13.0% | ||
| Q1 25 | 44.5% | 27.0% | ||
| Q4 24 | 43.8% | 22.1% | ||
| Q3 24 | 43.0% | 6.2% | ||
| Q2 24 | 44.2% | 13.0% |
净利率STBAUTL
| Q1 26 | 34.4% | — | ||
| Q4 25 | 32.3% | 11.8% | ||
| Q3 25 | 33.9% | -0.3% | ||
| Q2 25 | 31.9% | 3.9% | ||
| Q1 25 | 35.6% | 16.1% | ||
| Q4 24 | 35.1% | 12.2% | ||
| Q3 24 | 33.8% | — | ||
| Q2 24 | 35.5% | 4.5% |
每股收益（稀释后）STBAUTL
| Q1 26 | $0.94 | — | ||
| Q4 25 | $0.88 | $1.05 | ||
| Q3 25 | $0.91 | $-0.02 | ||
| Q2 25 | $0.83 | $0.25 | ||
| Q1 25 | $0.87 | $1.69 | ||
| Q4 24 | $0.86 | $0.97 | ||
| Q3 24 | $0.85 | $0.00 | ||
| Q2 24 | $0.89 | $0.27 |
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 | — | $15.6M |
| 总债务越低越好 | $100.8M | $670.5M |
| 股东权益账面价值 | $1.4B | $609.6M |
| 总资产 | $9.9B | $2.1B |
| 负债/权益比越低杠杆越低 | 0.07× | 1.10× |
8季度趋势，按日历期对齐
现金及短期投资STBAUTL
| Q1 26 | — | — | ||
| Q4 25 | $163.4M | $15.6M | ||
| Q3 25 | $196.2M | $14.6M | ||
| Q2 25 | $203.1M | $8.5M | ||
| Q1 25 | $211.8M | $10.2M | ||
| Q4 24 | $244.8M | $6.3M | ||
| Q3 24 | $228.1M | $6.3M | ||
| Q2 24 | $246.3M | $2.8M |
总债务STBAUTL
| Q1 26 | $100.8M | — | ||
| Q4 25 | — | $670.5M | ||
| Q3 25 | — | $670.5M | ||
| Q2 25 | — | $640.7M | ||
| Q1 25 | — | $642.1M | ||
| Q4 24 | — | $643.3M | ||
| Q3 24 | — | $643.3M | ||
| Q2 24 | — | $511.3M |
股东权益STBAUTL
| Q1 26 | $1.4B | — | ||
| Q4 25 | $1.5B | $609.6M | ||
| Q3 25 | $1.5B | $597.2M | ||
| Q2 25 | $1.4B | $532.8M | ||
| Q1 25 | $1.4B | $534.1M | ||
| Q4 24 | $1.4B | $512.5M | ||
| Q3 24 | $1.4B | $502.4M | ||
| Q2 24 | $1.3B | $508.8M |
总资产STBAUTL
| Q1 26 | $9.9B | — | ||
| Q4 25 | $9.9B | $2.1B | ||
| Q3 25 | $9.8B | $1.9B | ||
| Q2 25 | $9.8B | $1.9B | ||
| Q1 25 | $9.7B | $1.9B | ||
| Q4 24 | $9.7B | $1.8B | ||
| Q3 24 | $9.6B | $1.7B | ||
| Q2 24 | $9.6B | $1.7B |
负债/权益比STBAUTL
| Q1 26 | 0.07× | — | ||
| Q4 25 | — | 1.10× | ||
| Q3 25 | — | 1.12× | ||
| Q2 25 | — | 1.20× | ||
| Q1 25 | — | 1.20× | ||
| Q4 24 | — | 1.26× | ||
| Q3 24 | — | 1.28× | ||
| Q2 24 | — | 1.00× |
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 | — | $21.4M |
| 自由现金流经营现金流 - 资本支出 | — | $-36.3M |
| 自由现金流率自由现金流/营收 | — | -22.5% |
| 资本支出强度资本支出/营收 | — | 35.7% |
| 现金转化率经营现金流/净利润 | — | 1.13× |
| 过去12个月自由现金流最近4个季度 | — | $-53.8M |
8季度趋势，按日历期对齐
经营现金流STBAUTL
| Q1 26 | — | — | ||
| Q4 25 | $133.6M | $21.4M | ||
| Q3 25 | $40.5M | $15.6M | ||
| Q2 25 | $28.3M | $42.2M | ||
| Q1 25 | $28.7M | $52.1M | ||
| Q4 24 | $173.4M | $23.3M | ||
| Q3 24 | $27.6M | $26.1M | ||
| Q2 24 | $44.7M | $49.9M |
自由现金流STBAUTL
| Q1 26 | — | — | ||
| Q4 25 | $128.8M | $-36.3M | ||
| Q3 25 | $39.9M | $-39.0M | ||
| Q2 25 | $27.1M | $2.0M | ||
| Q1 25 | $27.0M | $19.5M | ||
| Q4 24 | $170.4M | $-32.3M | ||
| Q3 24 | $26.9M | $-31.3M | ||
| Q2 24 | $43.9M | $13.2M |
自由现金流率STBAUTL
| Q1 26 | — | — | ||
| Q4 25 | 122.4% | -22.5% | ||
| Q3 25 | 38.7% | -38.6% | ||
| Q2 25 | 27.1% | 1.9% | ||
| Q1 25 | 28.8% | 11.4% | ||
| Q4 24 | 180.7% | -25.3% | ||
| Q3 24 | 28.0% | -33.7% | ||
| Q2 24 | 45.3% | 13.8% |
资本支出强度STBAUTL
| Q1 26 | — | — | ||
| Q4 25 | 4.5% | 35.7% | ||
| Q3 25 | 0.6% | 54.0% | ||
| Q2 25 | 1.2% | 39.2% | ||
| Q1 25 | 1.8% | 19.1% | ||
| Q4 24 | 3.1% | 43.6% | ||
| Q3 24 | 0.7% | 61.8% | ||
| Q2 24 | 0.9% | 38.3% |
现金转化率STBAUTL
| Q1 26 | — | — | ||
| Q4 25 | 3.93× | 1.13× | ||
| Q3 25 | 1.16× | — | ||
| Q2 25 | 0.89× | 10.55× | ||
| Q1 25 | 0.86× | 1.89× | ||
| Q4 24 | 5.24× | 1.49× | ||
| Q3 24 | 0.85× | — | ||
| Q2 24 | 1.30× | 11.60× |
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% |
UTL
暂无分部数据
