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UMB FINANCIAL CORP（UMBF）与美国合众银行（USB）财务数据对比。点击上方公司名可切换其他公司
美国合众银行的季度营收约是UMB FINANCIAL CORP的14.1倍（$7.4B vs $522.5M）。UMB FINANCIAL CORP净利率更高（41.2% vs 27.8%，领先13.4%）。UMB FINANCIAL CORP同比增速更快（94.3% vs 5.1%）。过去两年UMB FINANCIAL CORP的营收复合增速更高（47.7% vs 4.7%）
UMB金融集团是总部位于美国密苏里州堪萨斯城的金融服务机构，面向美国全境及爱尔兰的个人、企业与机构客户，提供多元化金融服务，涵盖支票、储蓄等存款产品，住房按揭、车贷、商贷、信用卡等信贷服务，以及投资与财富管理解决方案。
美国合众银行是美国跨国银行机构，总部位于明尼苏达州明尼阿波利斯，在特拉华州注册成立。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，旗下核心运营主体提供银行、投资、按揭等多元金融服务。
UMBF vs USB — 直观对比
营收规模更大
USB
是对方的14.1倍
$522.5M
营收增速更快
UMBF
高出89.2%
5.1%
净利率更高
UMBF
高出13.4%
27.8%
两年增速更快
UMBF
近两年复合增速
4.7%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $522.5M | $7.4B |
| 净利润 | $215.4M | $2.0B |
| 毛利率 | — | — |
| 营业利润率 | 51.7% | 34.4% |
| 净利率 | 41.2% | 27.8% |
| 营收同比 | 94.3% | 5.1% |
| 净利润同比 | 79.5% | 23.0% |
| 每股收益（稀释后） | $2.90 | $1.26 |
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UMBFUSB
| Q4 25 | $522.5M | $7.4B | ||
| Q3 25 | $475.0M | $7.3B | ||
| Q2 25 | $467.0M | $7.0B | ||
| Q1 25 | $397.6M | $7.0B | ||
| Q4 24 | $269.0M | $7.0B | ||
| Q3 24 | $247.4M | $6.9B | ||
| Q2 24 | $245.1M | $6.9B | ||
| Q1 24 | $239.4M | $6.7B |
净利润UMBFUSB
| Q4 25 | $215.4M | $2.0B | ||
| Q3 25 | $188.3M | $2.0B | ||
| Q2 25 | $217.4M | $1.8B | ||
| Q1 25 | $81.3M | $1.7B | ||
| Q4 24 | $120.0M | $1.7B | ||
| Q3 24 | $109.6M | $1.7B | ||
| Q2 24 | $101.3M | $1.6B | ||
| Q1 24 | $110.3M | $1.3B |
营业利润率UMBFUSB
| Q4 25 | 51.7% | 34.4% | ||
| Q3 25 | 49.8% | 34.5% | ||
| Q2 25 | 58.9% | 32.7% | ||
| Q1 25 | 23.4% | 31.0% | ||
| Q4 24 | 53.8% | 30.1% | ||
| Q3 24 | 54.8% | 30.2% | ||
| Q2 24 | 51.8% | 29.9% | ||
| Q1 24 | 55.9% | 24.9% |
净利率UMBFUSB
| Q4 25 | 41.2% | 27.8% | ||
| Q3 25 | 39.6% | 27.3% | ||
| Q2 25 | 46.5% | 25.9% | ||
| Q1 25 | 20.5% | 24.6% | ||
| Q4 24 | 44.6% | 23.7% | ||
| Q3 24 | 44.3% | 25.0% | ||
| Q2 24 | 41.3% | 23.3% | ||
| Q1 24 | 46.0% | 19.6% |
每股收益（稀释后）UMBFUSB
| Q4 25 | $2.90 | $1.26 | ||
| Q3 25 | $2.36 | $1.22 | ||
| Q2 25 | $2.82 | $1.11 | ||
| Q1 25 | $1.21 | $1.03 | ||
| Q4 24 | $2.44 | $1.01 | ||
| Q3 24 | $2.23 | $1.03 | ||
| Q2 24 | $2.07 | $0.97 | ||
| Q1 24 | $2.25 | $0.78 |
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 | $7.8B | — |
| 总债务越低越好 | $474.2M | — |
| 股东权益账面价值 | $7.7B | $65.2B |
| 总资产 | $73.1B | $692.3B |
| 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UMBFUSB
| Q4 25 | $7.8B | — | ||
| Q3 25 | $8.8B | — | ||
| Q2 25 | $11.0B | — | ||
| Q1 25 | $10.6B | — | ||
| Q4 24 | $8.4B | — | ||
| Q3 24 | $7.3B | — | ||
| Q2 24 | $5.0B | — | ||
| Q1 24 | $6.9B | — |
总债务UMBFUSB
| Q4 25 | $474.2M | — | ||
| Q3 25 | $471.3M | — | ||
| Q2 25 | $657.3M | — | ||
| Q1 25 | $654.4M | — | ||
| Q4 24 | $385.3M | — | ||
| Q3 24 | $384.8M | — | ||
| Q2 24 | $384.2M | — | ||
| Q1 24 | $383.7M | — |
股东权益UMBFUSB
| Q4 25 | $7.7B | $65.2B | ||
| Q3 25 | $7.4B | $63.3B | ||
| Q2 25 | $7.3B | $61.4B | ||
| Q1 25 | $6.7B | $60.1B | ||
| Q4 24 | $3.5B | $58.6B | ||
| Q3 24 | $3.5B | $58.9B | ||
| Q2 24 | $3.2B | $56.4B | ||
| Q1 24 | $3.2B | $55.6B |
总资产UMBFUSB
| Q4 25 | $73.1B | $692.3B | ||
| Q3 25 | $71.9B | $695.4B | ||
| Q2 25 | $71.8B | $686.4B | ||
| Q1 25 | $69.3B | $676.5B | ||
| Q4 24 | $50.4B | $678.3B | ||
| Q3 24 | $47.5B | $686.5B | ||
| Q2 24 | $44.5B | $680.1B | ||
| Q1 24 | $45.3B | $683.6B |
负债/权益比UMBFUSB
| Q4 25 | 0.06× | — | ||
| Q3 25 | 0.06× | — | ||
| Q2 25 | 0.09× | — | ||
| Q1 25 | 0.10× | — | ||
| Q4 24 | 0.11× | — | ||
| Q3 24 | 0.11× | — | ||
| Q2 24 | 0.12× | — | ||
| Q1 24 | 0.12× | — |
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 | $106.1M | $2.8B |
| 自由现金流经营现金流 - 资本支出 | $95.3M | — |
| 自由现金流率自由现金流/营收 | 18.2% | — |
| 资本支出强度资本支出/营收 | 2.1% | — |
| 现金转化率经营现金流/净利润 | 0.49× | 1.39× |
| 过去12个月自由现金流最近4个季度 | $978.1M | — |
8季度趋势，按日历期对齐
经营现金流UMBFUSB
| Q4 25 | $106.1M | $2.8B | ||
| Q3 25 | $272.2M | $3.4B | ||
| Q2 25 | $285.4M | $2.0B | ||
| Q1 25 | $363.0M | $-285.0M | ||
| Q4 24 | $-66.9M | $4.8B | ||
| Q3 24 | $123.6M | $972.0M | ||
| Q2 24 | $112.4M | $2.9B | ||
| Q1 24 | $56.1M | $2.7B |
自由现金流UMBFUSB
| Q4 25 | $95.3M | — | ||
| Q3 25 | $257.8M | — | ||
| Q2 25 | $270.8M | — | ||
| Q1 25 | $354.2M | — | ||
| Q4 24 | $-77.1M | — | ||
| Q3 24 | $117.7M | — | ||
| Q2 24 | $106.7M | — | ||
| Q1 24 | $53.8M | — |
自由现金流率UMBFUSB
| Q4 25 | 18.2% | — | ||
| Q3 25 | 54.3% | — | ||
| Q2 25 | 58.0% | — | ||
| Q1 25 | 89.1% | — | ||
| Q4 24 | -28.6% | — | ||
| Q3 24 | 47.6% | — | ||
| Q2 24 | 43.5% | — | ||
| Q1 24 | 22.5% | — |
资本支出强度UMBFUSB
| Q4 25 | 2.1% | — | ||
| Q3 25 | 3.0% | — | ||
| Q2 25 | 3.1% | — | ||
| Q1 25 | 2.2% | — | ||
| Q4 24 | 3.8% | — | ||
| Q3 24 | 2.4% | — | ||
| Q2 24 | 2.3% | — | ||
| Q1 24 | 1.0% | — |
现金转化率UMBFUSB
| Q4 25 | 0.49× | 1.39× | ||
| Q3 25 | 1.45× | 1.69× | ||
| Q2 25 | 1.31× | 1.12× | ||
| Q1 25 | 4.46× | -0.17× | ||
| Q4 24 | -0.56× | 2.87× | ||
| Q3 24 | 1.13× | 0.57× | ||
| Q2 24 | 1.11× | 1.79× | ||
| Q1 24 | 0.51× | 2.02× |
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
UMBF
| Other | $256.7M | 49% |
| Institutional Banking | $107.2M | 21% |
| Commercial Banking | $44.0M | 8% |
| Personal Banking | $34.9M | 7% |
| Credit Card | $26.8M | 5% |
| Brokerage Fees | $17.8M | 3% |
| Deposit Account | $14.8M | 3% |
| Bankcard Fees | $12.8M | 2% |
| Trading And Investment Banking | $6.0M | 1% |
| Other Financial Services | $1.5M | 0% |
USB
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