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Truist Financial（TFC）与富国银行（WFC）财务数据对比。点击上方公司名可切换其他公司
富国银行的季度营收约是Truist Financial的5.8倍（$21.3B vs $3.7B），Truist Financial净利率更高（36.6% vs 25.2%，领先11.4%），富国银行同比增速更快（4.5% vs 3.1%），过去两年Truist Financial的营收复合增速更高（4.8% vs 1.0%）
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。
富国银行是美国头部跨国金融服务机构，位列美国四大银行之一，业务覆盖全球35个国家，为超7000万全球客户提供服务，被金融稳定委员会认定为系统重要性金融机构，具备较高的行业影响力。
TFC vs WFC — 直观对比
营收规模更大
WFC
是对方的5.8倍
$3.7B
营收增速更快
WFC
高出1.4%
3.1%
净利率更高
TFC
高出11.4%
25.2%
两年增速更快
TFC
近两年复合增速
1.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $3.7B | $21.3B |
| 净利润 | $1.4B | $5.4B |
| 毛利率 | — | — |
| 营业利润率 | 42.3% | 30.7% |
| 净利率 | 36.6% | 25.2% |
| 营收同比 | 3.1% | 4.5% |
| 净利润同比 | 6.1% | 5.6% |
| 每股收益（稀释后） | $1.01 | $1.61 |
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TFCWFC
| Q4 25 | $3.7B | $21.3B | ||
| Q3 25 | $3.6B | $21.4B | ||
| Q2 25 | $3.6B | $20.8B | ||
| Q1 25 | $3.5B | $20.1B | ||
| Q4 24 | $3.6B | $20.4B | ||
| Q3 24 | $3.6B | $20.4B | ||
| Q2 24 | $3.5B | $20.7B | ||
| Q1 24 | $3.4B | $20.9B |
净利润TFCWFC
| Q4 25 | $1.4B | $5.4B | ||
| Q3 25 | $1.5B | $5.6B | ||
| Q2 25 | $1.2B | $5.5B | ||
| Q1 25 | $1.3B | $4.9B | ||
| Q4 24 | $1.3B | $5.1B | ||
| Q3 24 | $1.4B | $5.1B | ||
| Q2 24 | $922.0M | $4.9B | ||
| Q1 24 | $1.2B | $4.6B |
营业利润率TFCWFC
| Q4 25 | 42.3% | 30.7% | ||
| Q3 25 | 47.9% | 32.2% | ||
| Q2 25 | 42.2% | 30.9% | ||
| Q1 25 | 43.8% | 26.4% | ||
| Q4 24 | 43.3% | 26.4% | ||
| Q3 24 | 47.5% | 30.6% | ||
| Q2 24 | -148.3% | 29.8% | ||
| Q1 24 | 40.5% | 26.8% |
净利率TFCWFC
| Q4 25 | 36.6% | 25.2% | ||
| Q3 25 | 40.0% | 26.1% | ||
| Q2 25 | 34.6% | 26.4% | ||
| Q1 25 | 36.0% | 24.3% | ||
| Q4 24 | 35.5% | 24.9% | ||
| Q3 24 | 40.0% | 25.1% | ||
| Q2 24 | 26.1% | 23.7% | ||
| Q1 24 | 35.6% | 22.1% |
每股收益（稀释后）TFCWFC
| Q4 25 | $1.01 | $1.61 | ||
| Q3 25 | $1.04 | $1.66 | ||
| Q2 25 | $0.90 | $1.60 | ||
| Q1 25 | $0.87 | $1.39 | ||
| Q4 24 | $0.94 | $1.42 | ||
| Q3 24 | $0.99 | $1.42 | ||
| Q2 24 | $0.62 | $1.33 | ||
| Q1 24 | $0.81 | $1.20 |
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 | $174.7B |
| 股东权益账面价值 | $65.2B | $181.1B |
| 总资产 | $547.5B | $2148.6B |
| 负债/权益比越低杠杆越低 | 0.64× | 0.96× |
8季度趋势，按日历期对齐
总债务TFCWFC
| Q4 25 | $42.0B | $174.7B | ||
| Q3 25 | $41.7B | $177.8B | ||
| Q2 25 | $44.4B | $176.2B | ||
| Q1 25 | $32.0B | $173.7B | ||
| Q4 24 | $35.0B | $173.1B | ||
| Q3 24 | $36.8B | $182.0B | ||
| Q2 24 | $34.6B | $179.1B | ||
| Q1 24 | $39.1B | $187.8B |
股东权益TFCWFC
| Q4 25 | $65.2B | $181.1B | ||
| Q3 25 | $65.6B | $181.2B | ||
| Q2 25 | $64.8B | $181.1B | ||
| Q1 25 | $64.6B | $181.1B | ||
| Q4 24 | $63.7B | $179.1B | ||
| Q3 24 | $65.7B | $183.3B | ||
| Q2 24 | $63.8B | $176.4B | ||
| Q1 24 | $59.1B | $180.9B |
总资产TFCWFC
| Q4 25 | $547.5B | $2148.6B | ||
| Q3 25 | $543.9B | $2062.9B | ||
| Q2 25 | $543.8B | $1981.3B | ||
| Q1 25 | $535.9B | $1950.3B | ||
| Q4 24 | $531.2B | $1929.8B | ||
| Q3 24 | $523.4B | $1922.1B | ||
| Q2 24 | $519.9B | $1940.1B | ||
| Q1 24 | $535.0B | $1959.2B |
负债/权益比TFCWFC
| Q4 25 | 0.64× | 0.96× | ||
| Q3 25 | 0.64× | 0.98× | ||
| Q2 25 | 0.69× | 0.97× | ||
| Q1 25 | 0.50× | 0.96× | ||
| Q4 24 | 0.55× | 0.97× | ||
| Q3 24 | 0.56× | 0.99× | ||
| Q2 24 | 0.54× | 1.02× | ||
| Q1 24 | 0.66× | 1.04× |
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 | $4.1B |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | 1.91× | 0.77× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流TFCWFC
| Q4 25 | $2.6B | $4.1B | ||
| Q3 25 | $1.5B | $-869.0M | ||
| Q2 25 | $914.0M | $-11.2B | ||
| Q1 25 | $746.0M | $-11.0B | ||
| Q4 24 | $775.0M | $8.9B | ||
| Q3 24 | $1.5B | $4.2B | ||
| Q2 24 | $845.0M | $2.0B | ||
| Q1 24 | $-990.0M | $-12.1B |
现金转化率TFCWFC
| Q4 25 | 1.91× | 0.77× | ||
| Q3 25 | 1.03× | -0.16× | ||
| Q2 25 | 0.74× | -2.04× | ||
| Q1 25 | 0.59× | -2.26× | ||
| Q4 24 | 0.61× | 1.75× | ||
| Q3 24 | 1.06× | 0.82× | ||
| Q2 24 | 0.92× | 0.42× | ||
| Q1 24 | -0.82× | -2.63× |
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
TFC
暂无分部数据
WFC
| Other | $5.2B | 24% |
| Wealth And Investment Management | $3.4B | 16% |
| Investment Advisory Management And Administrative Service | $2.8B | 13% |
| Corporate And Investment Banking | $2.5B | 12% |
| Consumer Banking And Lending | $2.0B | 10% |
| Commercial Portfolio Segment | $1.1B | 5% |
| Commercial Banking | $1.1B | 5% |
| Credit Card Rewards And Rebates | $859.0M | 4% |
| Investment Advice | $716.0M | 3% |
| Deposit Account | $692.0M | 3% |
| Commissions And Brokerage Service Fees | $657.0M | 3% |
| Trailing Commission | $250.0M | 1% |
