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Truist Financial（TFC）与WEBSTER FINANCIAL CORP（WBS）财务数据对比。点击上方公司名可切换其他公司
Truist Financial的季度营收约是WEBSTER FINANCIAL CORP的63.0倍（$3.7B vs $58.7M）。WEBSTER FINANCIAL CORP净利率更高（435.9% vs 36.6%，领先399.3%）。Truist Financial同比增速更快（3.1% vs -0.2%）。过去两年Truist Financial的营收复合增速更高（4.8% vs -4.2%）
Truist Financial是美国银行控股公司，总部位于北卡罗来纳州夏洛特，2019年12月由BB&T与SunTrust合并组建。旗下银行在15个州及华盛顿特区共运营1928家网点，提供零售、商业、投资银行、证券经纪、资产管理、抵押贷款、保险等多元金融产品服务，为美国第十大银行，总资产达5230亿美元。
韦伯斯特银行是总部位于美国康涅狄格州斯坦福德的商业银行，业务覆盖康涅狄格州、马萨诸塞州、罗德岛州、新泽西州，以及纽约州的威彻斯特、奥兰治、阿尔斯特、罗克兰县和纽约市，共设有177家营业网点和316台自动柜员机。
TFC vs WBS — 直观对比
营收规模更大
TFC
是对方的63.0倍
$58.7M
营收增速更快
TFC
高出3.2%
-0.2%
净利率更高
WBS
高出399.3%
36.6%
两年增速更快
TFC
近两年复合增速
-4.2%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $3.7B | $58.7M |
| 净利润 | $1.4B | $255.8M |
| 毛利率 | — | — |
| 营业利润率 | 42.3% | — |
| 净利率 | 36.6% | 435.9% |
| 营收同比 | 3.1% | -0.2% |
| 净利润同比 | 6.1% | 43.9% |
| 每股收益（稀释后） | $1.01 | $1.54 |
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TFCWBS
| Q4 25 | $3.7B | $58.7M | ||
| Q3 25 | $3.6B | $59.1M | ||
| Q2 25 | $3.6B | $59.4M | ||
| Q1 25 | $3.5B | $60.8M | ||
| Q4 24 | $3.6B | $58.8M | ||
| Q3 24 | $3.6B | $61.1M | ||
| Q2 24 | $3.5B | $61.8M | ||
| Q1 24 | $3.4B | $64.0M |
净利润TFCWBS
| Q4 25 | $1.4B | $255.8M | ||
| Q3 25 | $1.5B | $261.2M | ||
| Q2 25 | $1.2B | $258.8M | ||
| Q1 25 | $1.3B | $226.9M | ||
| Q4 24 | $1.3B | $177.8M | ||
| Q3 24 | $1.4B | $193.0M | ||
| Q2 24 | $922.0M | $181.6M | ||
| Q1 24 | $1.2B | $216.3M |
营业利润率TFCWBS
| Q4 25 | 42.3% | — | ||
| Q3 25 | 47.9% | — | ||
| Q2 25 | 42.2% | — | ||
| Q1 25 | 43.8% | — | ||
| Q4 24 | 43.3% | — | ||
| Q3 24 | 47.5% | — | ||
| Q2 24 | -148.3% | — | ||
| Q1 24 | 40.5% | — |
净利率TFCWBS
| Q4 25 | 36.6% | 435.9% | ||
| Q3 25 | 40.0% | 442.3% | ||
| Q2 25 | 34.6% | 435.6% | ||
| Q1 25 | 36.0% | 373.4% | ||
| Q4 24 | 35.5% | 302.4% | ||
| Q3 24 | 40.0% | 316.0% | ||
| Q2 24 | 26.1% | 293.7% | ||
| Q1 24 | 35.6% | 338.0% |
每股收益（稀释后）TFCWBS
| Q4 25 | $1.01 | $1.54 | ||
| Q3 25 | $1.04 | $1.54 | ||
| Q2 25 | $0.90 | $1.52 | ||
| Q1 25 | $0.87 | $1.30 | ||
| Q4 24 | $0.94 | $1.01 | ||
| Q3 24 | $0.99 | $1.10 | ||
| Q2 24 | $0.62 | $1.03 | ||
| Q1 24 | $0.81 | $1.23 |
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 | $42.0B | $739.5M |
| 股东权益账面价值 | $65.2B | $9.5B |
| 总资产 | $547.5B | $84.1B |
| 负债/权益比越低杠杆越低 | 0.64× | 0.08× |
8季度趋势，按日历期对齐
总债务TFCWBS
| Q4 25 | $42.0B | $739.5M | ||
| Q3 25 | $41.7B | $1.2B | ||
| Q2 25 | $44.4B | $905.6M | ||
| Q1 25 | $32.0B | $907.4M | ||
| Q4 24 | $35.0B | $909.2M | ||
| Q3 24 | $36.8B | $911.0M | ||
| Q2 24 | $34.6B | $912.7M | ||
| Q1 24 | $39.1B | $914.5M |
股东权益TFCWBS
| Q4 25 | $65.2B | $9.5B | ||
| Q3 25 | $65.6B | $9.5B | ||
| Q2 25 | $64.8B | $9.3B | ||
| Q1 25 | $64.6B | $9.2B | ||
| Q4 24 | $63.7B | $9.1B | ||
| Q3 24 | $65.7B | $9.2B | ||
| Q2 24 | $63.8B | $8.8B | ||
| Q1 24 | $59.1B | $8.7B |
总资产TFCWBS
| Q4 25 | $547.5B | $84.1B | ||
| Q3 25 | $543.9B | $83.2B | ||
| Q2 25 | $543.8B | $81.9B | ||
| Q1 25 | $535.9B | $80.3B | ||
| Q4 24 | $531.2B | $79.0B | ||
| Q3 24 | $523.4B | $79.5B | ||
| Q2 24 | $519.9B | $76.8B | ||
| Q1 24 | $535.0B | $76.2B |
负债/权益比TFCWBS
| Q4 25 | 0.64× | 0.08× | ||
| Q3 25 | 0.64× | 0.13× | ||
| Q2 25 | 0.69× | 0.10× | ||
| Q1 25 | 0.50× | 0.10× | ||
| Q4 24 | 0.55× | 0.10× | ||
| Q3 24 | 0.56× | 0.10× | ||
| Q2 24 | 0.54× | 0.10× | ||
| Q1 24 | 0.66× | 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 | $2.6B | $317.6M |
| 自由现金流经营现金流 - 资本支出 | — | $301.8M |
| 自由现金流率自由现金流/营收 | — | 514.2% |
| 资本支出强度资本支出/营收 | — | 26.9% |
| 现金转化率经营现金流/净利润 | 1.91× | 1.24× |
| 过去12个月自由现金流最近4个季度 | — | $1.0B |
8季度趋势，按日历期对齐
经营现金流TFCWBS
| Q4 25 | $2.6B | $317.6M | ||
| Q3 25 | $1.5B | $374.7M | ||
| Q2 25 | $914.0M | $270.9M | ||
| Q1 25 | $746.0M | $94.9M | ||
| Q4 24 | $775.0M | $891.3M | ||
| Q3 24 | $1.5B | $45.3M | ||
| Q2 24 | $845.0M | $224.0M | ||
| Q1 24 | $-990.0M | $243.7M |
自由现金流TFCWBS
| Q4 25 | — | $301.8M | ||
| Q3 25 | — | $362.5M | ||
| Q2 25 | — | $257.7M | ||
| Q1 25 | — | $86.6M | ||
| Q4 24 | — | $879.0M | ||
| Q3 24 | — | $35.3M | ||
| Q2 24 | — | $215.6M | ||
| Q1 24 | — | $238.6M |
自由现金流率TFCWBS
| Q4 25 | — | 514.2% | ||
| Q3 25 | — | 613.7% | ||
| Q2 25 | — | 433.6% | ||
| Q1 25 | — | 142.5% | ||
| Q4 24 | — | 1495.2% | ||
| Q3 24 | — | 57.8% | ||
| Q2 24 | — | 348.6% | ||
| Q1 24 | — | 372.8% |
资本支出强度TFCWBS
| Q4 25 | — | 26.9% | ||
| Q3 25 | — | 20.7% | ||
| Q2 25 | — | 22.2% | ||
| Q1 25 | — | 13.7% | ||
| Q4 24 | — | 21.0% | ||
| Q3 24 | — | 16.4% | ||
| Q2 24 | — | 13.6% | ||
| Q1 24 | — | 7.9% |
现金转化率TFCWBS
| Q4 25 | 1.91× | 1.24× | ||
| Q3 25 | 1.03× | 1.43× | ||
| Q2 25 | 0.74× | 1.05× | ||
| Q1 25 | 0.59× | 0.42× | ||
| Q4 24 | 0.61× | 5.01× | ||
| Q3 24 | 1.06× | 0.23× | ||
| Q2 24 | 0.92× | 1.23× | ||
| Q1 24 | -0.82× | 1.13× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
