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Truist Financial（TFC）与ZIONS BANCORPORATION, NATIONAL ASSOCIATION（ZION）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ZIONS BANCORPORATION, NATIONAL ASSOCIATION的4.2倍（$3.7B vs $891.0M），Truist Financial净利率更高（36.6% vs 29.5%，领先7.1%），ZIONS BANCORPORATION, NATIONAL ASSOCIATION同比增速更快（8.7% vs 3.1%），过去两年ZIONS BANCORPORATION, NATIONAL ASSOCIATION的营收复合增速更高（9.6% vs 4.8%）
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。
Zions Bancorporation是总部位于美国犹他州盐湖城的全国性银行，并非银行控股公司。旗下共运营七大银行品牌，包括Zions银行、德州Amegy银行、加州信托银行、亚利桑那国家银行、内华达州立银行、科罗拉多Vectra银行及华盛顿商业银行，业务覆盖美国多地。
TFC vs ZION — 直观对比
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $3.7B | $891.0M |
| 净利润 | $1.4B | $263.0M |
| 毛利率 | — | — |
| 营业利润率 | 42.3% | — |
| 净利率 | 36.6% | 29.5% |
| 营收同比 | 3.1% | 8.7% |
| 净利润同比 | 6.1% | 21.8% |
| 每股收益（稀释后） | $1.01 | $1.77 |
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
| Q4 25 | $3.7B | $891.0M | ||
| Q3 25 | $3.6B | $861.0M | ||
| Q2 25 | $3.6B | $838.0M | ||
| Q1 25 | $3.5B | $795.0M | ||
| Q4 24 | $3.6B | $820.0M | ||
| Q3 24 | $3.6B | $792.0M | ||
| Q2 24 | $3.5B | $777.0M | ||
| Q1 24 | $3.4B | $742.0M |
| Q4 25 | $1.4B | $263.0M | ||
| Q3 25 | $1.5B | $222.0M | ||
| Q2 25 | $1.2B | $244.0M | ||
| Q1 25 | $1.3B | $170.0M | ||
| Q4 24 | $1.3B | $216.0M | ||
| Q3 24 | $1.4B | $214.0M | ||
| Q2 24 | $922.0M | $201.0M | ||
| Q1 24 | $1.2B | $153.0M |
| 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% | — |
| Q4 25 | 36.6% | 29.5% | ||
| Q3 25 | 40.0% | 25.8% | ||
| Q2 25 | 34.6% | 29.1% | ||
| Q1 25 | 36.0% | 21.4% | ||
| Q4 24 | 35.5% | 26.3% | ||
| Q3 24 | 40.0% | 27.0% | ||
| Q2 24 | 26.1% | 25.9% | ||
| Q1 24 | 35.6% | 20.6% |
| Q4 25 | $1.01 | $1.77 | ||
| Q3 25 | $1.04 | $1.48 | ||
| Q2 25 | $0.90 | $1.63 | ||
| Q1 25 | $0.87 | $1.13 | ||
| Q4 24 | $0.94 | $1.34 | ||
| Q3 24 | $0.99 | $1.37 | ||
| Q2 24 | $0.62 | $1.28 | ||
| Q1 24 | $0.81 | $0.96 |
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 | $1.5B |
| 股东权益账面价值 | $65.2B | $7.2B |
| 总资产 | $547.5B | $89.0B |
| 负债/权益比越低杠杆越低 | 0.64× | 0.21× |
8季度趋势，按日历期对齐
| Q4 25 | $42.0B | $1.5B | ||
| Q3 25 | $41.7B | $1.5B | ||
| Q2 25 | $44.4B | $970.0M | ||
| Q1 25 | $32.0B | $964.0M | ||
| Q4 24 | $35.0B | $950.0M | ||
| Q3 24 | $36.8B | $548.0M | ||
| Q2 24 | $34.6B | $546.0M | ||
| Q1 24 | $39.1B | $544.0M |
| Q4 25 | $65.2B | $7.2B | ||
| Q3 25 | $65.6B | $6.9B | ||
| Q2 25 | $64.8B | $6.6B | ||
| Q1 25 | $64.6B | $6.3B | ||
| Q4 24 | $63.7B | $6.1B | ||
| Q3 24 | $65.7B | $6.4B | ||
| Q2 24 | $63.8B | $6.0B | ||
| Q1 24 | $59.1B | $5.8B |
| Q4 25 | $547.5B | $89.0B | ||
| Q3 25 | $543.9B | $88.5B | ||
| Q2 25 | $543.8B | $88.9B | ||
| Q1 25 | $535.9B | $88.0B | ||
| Q4 24 | $531.2B | $88.8B | ||
| Q3 24 | $523.4B | $87.0B | ||
| Q2 24 | $519.9B | $87.6B | ||
| Q1 24 | $535.0B | $87.1B |
| Q4 25 | 0.64× | 0.21× | ||
| Q3 25 | 0.64× | 0.21× | ||
| Q2 25 | 0.69× | 0.15× | ||
| Q1 25 | 0.50× | 0.15× | ||
| Q4 24 | 0.55× | 0.16× | ||
| Q3 24 | 0.56× | 0.09× | ||
| Q2 24 | 0.54× | 0.09× | ||
| Q1 24 | 0.66× | 0.09× |
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 | $1.1B |
| 自由现金流经营现金流 - 资本支出 | — | $952.0M |
| 自由现金流率自由现金流/营收 | — | 106.8% |
| 资本支出强度资本支出/营收 | — | 13.6% |
| 现金转化率经营现金流/净利润 | 1.91× | 4.08× |
| 过去12个月自由现金流最近4个季度 | — | $1.4B |
8季度趋势，按日历期对齐
| Q4 25 | $2.6B | $1.1B | ||
| Q3 25 | $1.5B | $438.0M | ||
| Q2 25 | $914.0M | $-62.0M | ||
| Q1 25 | $746.0M | $179.0M | ||
| Q4 24 | $775.0M | $1.1B | ||
| Q3 24 | $1.5B | $119.0M | ||
| Q2 24 | $845.0M | $251.0M | ||
| Q1 24 | $-990.0M | $261.0M |
| Q4 25 | — | $952.0M | ||
| Q3 25 | — | $413.0M | ||
| Q2 25 | — | $-93.0M | ||
| Q1 25 | — | $152.0M | ||
| Q4 24 | — | $1.1B | ||
| Q3 24 | — | $97.0M | ||
| Q2 24 | — | $234.0M | ||
| Q1 24 | — | $231.0M |
| Q4 25 | — | 106.8% | ||
| Q3 25 | — | 48.0% | ||
| Q2 25 | — | -11.1% | ||
| Q1 25 | — | 19.1% | ||
| Q4 24 | — | 128.2% | ||
| Q3 24 | — | 12.2% | ||
| Q2 24 | — | 30.1% | ||
| Q1 24 | — | 31.1% |
| Q4 25 | — | 13.6% | ||
| Q3 25 | — | 2.9% | ||
| Q2 25 | — | 3.7% | ||
| Q1 25 | — | 3.4% | ||
| Q4 24 | — | 11.8% | ||
| Q3 24 | — | 2.8% | ||
| Q2 24 | — | 2.2% | ||
| Q1 24 | — | 4.0% |
| Q4 25 | 1.91× | 4.08× | ||
| Q3 25 | 1.03× | 1.97× | ||
| Q2 25 | 0.74× | -0.25× | ||
| Q1 25 | 0.59× | 1.05× | ||
| Q4 24 | 0.61× | 5.31× | ||
| Q3 24 | 1.06× | 0.56× | ||
| Q2 24 | 0.92× | 1.25× | ||
| Q1 24 | -0.82× | 1.71× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
