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道富集团（STT）与UNITED COMMUNITY BANKS INC（UCB）财务数据对比。点击上方公司名可切换其他公司
道富集团的季度营收约是UNITED COMMUNITY BANKS INC的13.3倍（$3.7B vs $276.5M）。UNITED COMMUNITY BANKS INC净利率更高（30.5% vs 20.4%，领先10.1%）。UNITED COMMUNITY BANKS INC同比增速更快（11.6% vs 7.5%）。过去两年UNITED COMMUNITY BANKS INC的营收复合增速更高（8.9% vs 8.1%）
道富集团是总部位于美国波士顿的跨国金融服务及银行控股公司，历史可追溯至1792年成立的联合银行，是美国运营历史第二悠久的存续银行。作为全球顶尖的资产管理与托管机构，截至2025年第三季度，其管理资产规模约5.4万亿美元，托管及管理资产总规模达51.7万亿美元。
联合社区银行是美国的金融机构，为美国东南部规模领先的全服务金融机构之一，总资产达277亿美元，在阿拉巴马州、佛罗里达州、佐治亚州、北卡罗来纳州、南卡罗来纳州和田纳西州设有200个营业网点，同时也是总部位于南卡罗来纳州的总资产规模最大的银行。
STT vs UCB — 直观对比
营收规模更大
STT
是对方的13.3倍
$276.5M
营收增速更快
UCB
高出4.2%
7.5%
净利率更高
UCB
高出10.1%
20.4%
两年增速更快
UCB
近两年复合增速
8.1%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $3.7B | $276.5M |
| 净利润 | $747.0M | $84.3M |
| 毛利率 | — | — |
| 营业利润率 | 25.0% | — |
| 净利率 | 20.4% | 30.5% |
| 营收同比 | 7.5% | 11.6% |
| 净利润同比 | -4.6% | 18.0% |
| 每股收益（稀释后） | $2.41 | $0.69 |
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STTUCB
| Q1 26 | — | $276.5M | ||
| Q4 25 | $3.7B | $278.4M | ||
| Q3 25 | $3.5B | $276.8M | ||
| Q2 25 | $3.4B | $260.2M | ||
| Q1 25 | $3.3B | $247.7M | ||
| Q4 24 | $3.4B | $239.5M | ||
| Q3 24 | $3.3B | $202.8M | ||
| Q2 24 | $3.2B | $233.0M |
净利润STTUCB
| Q1 26 | — | $84.3M | ||
| Q4 25 | $747.0M | $86.5M | ||
| Q3 25 | $861.0M | $91.5M | ||
| Q2 25 | $693.0M | $78.7M | ||
| Q1 25 | $644.0M | $71.4M | ||
| Q4 24 | $783.0M | $75.8M | ||
| Q3 24 | $730.0M | $47.3M | ||
| Q2 24 | $711.0M | $66.6M |
营业利润率STTUCB
| Q1 26 | — | — | ||
| Q4 25 | 25.0% | 40.5% | ||
| Q3 25 | 31.1% | 42.6% | ||
| Q2 25 | 25.8% | 38.6% | ||
| Q1 25 | 25.0% | 36.8% | ||
| Q4 24 | 28.1% | 40.3% | ||
| Q3 24 | 28.4% | 29.5% | ||
| Q2 24 | 28.6% | 36.9% |
净利率STTUCB
| Q1 26 | — | 30.5% | ||
| Q4 25 | 20.4% | 31.1% | ||
| Q3 25 | 24.3% | 33.0% | ||
| Q2 25 | 20.1% | 30.3% | ||
| Q1 25 | 19.6% | 28.8% | ||
| Q4 24 | 22.9% | 31.7% | ||
| Q3 24 | 22.4% | 23.3% | ||
| Q2 24 | 22.3% | 28.6% |
每股收益（稀释后）STTUCB
| Q1 26 | — | $0.69 | ||
| Q4 25 | $2.41 | $0.71 | ||
| Q3 25 | $2.78 | $0.70 | ||
| Q2 25 | $2.17 | $0.63 | ||
| Q1 25 | $2.04 | $0.58 | ||
| Q4 24 | $2.43 | $0.61 | ||
| Q3 24 | $2.26 | $0.38 | ||
| Q2 24 | $2.15 | $0.54 |
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 | — | $493.1M |
| 总债务越低越好 | — | $205.5M |
| 股东权益账面价值 | $27.8B | $3.7B |
| 总资产 | $366.0B | $28.2M |
| 负债/权益比越低杠杆越低 | — | 0.06× |
8季度趋势，按日历期对齐
现金及短期投资STTUCB
| Q1 26 | — | $493.1M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
总债务STTUCB
| Q1 26 | — | $205.5M | ||
| Q4 25 | — | $120.4M | ||
| Q3 25 | — | $155.3M | ||
| Q2 25 | — | $155.1M | ||
| Q1 25 | — | $254.3M | ||
| Q4 24 | — | $254.2M | ||
| Q3 24 | — | $316.4M | ||
| Q2 24 | — | $324.9M |
股东权益STTUCB
| Q1 26 | — | $3.7B | ||
| Q4 25 | $27.8B | $3.6B | ||
| Q3 25 | $27.6B | $3.6B | ||
| Q2 25 | $27.3B | $3.6B | ||
| Q1 25 | $26.7B | $3.5B | ||
| Q4 24 | $25.3B | $3.4B | ||
| Q3 24 | $25.8B | $3.4B | ||
| Q2 24 | $24.8B | $3.3B |
总资产STTUCB
| Q1 26 | — | $28.2M | ||
| Q4 25 | $366.0B | $28.0B | ||
| Q3 25 | $371.1B | $28.1B | ||
| Q2 25 | $376.7B | $28.1B | ||
| Q1 25 | $372.7B | $27.9B | ||
| Q4 24 | $353.2B | $27.7B | ||
| Q3 24 | $338.5B | $27.4B | ||
| Q2 24 | $325.6B | $27.1B |
负债/权益比STTUCB
| Q1 26 | — | 0.06× | ||
| Q4 25 | — | 0.03× | ||
| Q3 25 | — | 0.04× | ||
| Q2 25 | — | 0.04× | ||
| Q1 25 | — | 0.07× | ||
| Q4 24 | — | 0.07× | ||
| Q3 24 | — | 0.09× | ||
| Q2 24 | — | 0.10× |
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 | $10.0B | — |
| 自由现金流经营现金流 - 资本支出 | $9.8B | — |
| 自由现金流率自由现金流/营收 | 266.6% | — |
| 资本支出强度资本支出/营收 | 7.3% | — |
| 现金转化率经营现金流/净利润 | 13.44× | — |
| 过去12个月自由现金流最近4个季度 | $10.8B | — |
8季度趋势，按日历期对齐
经营现金流STTUCB
| Q1 26 | — | — | ||
| Q4 25 | $10.0B | $65.5M | ||
| Q3 25 | $7.9B | $123.1M | ||
| Q2 25 | $-8.4B | $96.8M | ||
| Q1 25 | $2.4B | $98.6M | ||
| Q4 24 | $-7.4B | $148.1M | ||
| Q3 24 | $2.7B | $7.7M | ||
| Q2 24 | $-7.6B | $105.1M |
自由现金流STTUCB
| Q1 26 | — | — | ||
| Q4 25 | $9.8B | $59.7M | ||
| Q3 25 | $7.7B | $117.7M | ||
| Q2 25 | $-8.8B | $84.7M | ||
| Q1 25 | $2.2B | $94.3M | ||
| Q4 24 | $-7.7B | $142.6M | ||
| Q3 24 | $2.5B | $-2.2M | ||
| Q2 24 | $-7.9B | $87.2M |
自由现金流率STTUCB
| Q1 26 | — | — | ||
| Q4 25 | 266.6% | 21.4% | ||
| Q3 25 | 216.0% | 42.5% | ||
| Q2 25 | -254.1% | 32.6% | ||
| Q1 25 | 66.1% | 38.1% | ||
| Q4 24 | -225.1% | 59.5% | ||
| Q3 24 | 75.9% | -1.1% | ||
| Q2 24 | -246.2% | 37.4% |
资本支出强度STTUCB
| Q1 26 | — | — | ||
| Q4 25 | 7.3% | 2.1% | ||
| Q3 25 | 6.9% | 1.9% | ||
| Q2 25 | 9.3% | 4.7% | ||
| Q1 25 | 6.9% | 1.7% | ||
| Q4 24 | 7.3% | 2.3% | ||
| Q3 24 | 7.2% | 4.9% | ||
| Q2 24 | 6.7% | 7.7% |
现金转化率STTUCB
| Q1 26 | — | — | ||
| Q4 25 | 13.44× | 0.76× | ||
| Q3 25 | 9.18× | 1.35× | ||
| Q2 25 | -12.18× | 1.23× | ||
| Q1 25 | 3.72× | 1.38× | ||
| Q4 24 | -9.49× | 1.95× | ||
| Q3 24 | 3.71× | 0.16× | ||
| Q2 24 | -10.75× | 1.58× |
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
STT
| Other | $2.1B | 56% |
| Investment Management | $729.0M | 20% |
| Management Services | $662.0M | 18% |
| Foreign Exchange Trading Services | $102.0M | 3% |
| Other Fee Revenue | $56.0M | 2% |
| Securities Financing Services | $54.0M | 1% |
UCB
| Deposits | $98.0M | 35% |
| Investment securities, including tax exempt of $1,646 and $1,678, respectively | $45.3M | 16% |
| Money market | $40.7M | 15% |
| Time | $28.7M | 10% |
| NOW and interest-bearing demand | $28.1M | 10% |
| Service charges and fees | $9.5M | 3% |
| Other | $8.0M | 3% |
| Mortgage loan gains and other related fees | $8.0M | 3% |
| Wealth management fees | $4.6M | 2% |
| Lending and loan servicing fees | $4.0M | 1% |
| Deposits in banks and short-term investments | $1.2M | 0% |
| Securities gains, net | $133.0K | 0% |
