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UMB FINANCIAL CORP（UMBF）与VALLEY NATIONAL BANCORP（VLY）财务数据对比。点击上方公司名可切换其他公司
UMB FINANCIAL CORP的季度营收约是VALLEY NATIONAL BANCORP的1.4倍（$739.2M vs $540.4M），UMB FINANCIAL CORP净利率更高（35.4% vs 30.3%，领先5.0%），UMB FINANCIAL CORP同比增速更快（321.6% vs 13.0%），过去两年UMB FINANCIAL CORP的营收复合增速更高（73.7% vs 16.0%）
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。
北谷银行控股公司原是总部位于美国加利福尼亚州雷丁市的银行控股企业，旗下共运营22家分支机构，2014年10月被特里科银行控股公司收购，本次合并交易总估值超过1.78亿美元。
UMBF vs VLY — 直观对比
营收规模更大
UMBF
是对方的1.4倍
$540.4M
营收增速更快
UMBF
高出308.6%
13.0%
净利率更高
UMBF
高出5.0%
30.3%
两年增速更快
UMBF
近两年复合增速
16.0%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $739.2M | $540.4M |
| 净利润 | $261.4M | $163.9M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 35.4% | 30.3% |
| 营收同比 | 321.6% | 13.0% |
| 净利润同比 | 221.4% | 54.6% |
| 每股收益（稀释后） | $3.35 | $0.29 |
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UMBFVLY
| Q1 26 | $739.2M | $540.4M | ||
| Q4 25 | $522.5M | $464.9M | ||
| Q3 25 | $475.0M | $446.2M | ||
| Q2 25 | $467.0M | $432.4M | ||
| Q1 25 | $397.6M | $420.1M | ||
| Q4 24 | $269.0M | $423.0M | ||
| Q3 24 | $247.4M | $410.5M | ||
| Q2 24 | $245.1M | $401.7M |
净利润UMBFVLY
| Q1 26 | $261.4M | $163.9M | ||
| Q4 25 | $215.4M | $195.4M | ||
| Q3 25 | $188.3M | $163.4M | ||
| Q2 25 | $217.4M | $133.2M | ||
| Q1 25 | $81.3M | $106.1M | ||
| Q4 24 | $120.0M | $115.7M | ||
| Q3 24 | $109.6M | $97.9M | ||
| Q2 24 | $101.3M | $70.4M |
营业利润率UMBFVLY
| Q1 26 | — | — | ||
| Q4 25 | 51.7% | 47.7% | ||
| Q3 25 | 49.8% | 47.1% | ||
| Q2 25 | 58.9% | 40.0% | ||
| Q1 25 | 23.4% | 33.1% | ||
| Q4 24 | 53.8% | 21.1% | ||
| Q3 24 | 54.8% | 30.9% | ||
| Q2 24 | 51.8% | 23.2% |
净利率UMBFVLY
| Q1 26 | 35.4% | 30.3% | ||
| Q4 25 | 41.2% | 42.0% | ||
| Q3 25 | 39.6% | 36.6% | ||
| Q2 25 | 46.5% | 30.8% | ||
| Q1 25 | 20.5% | 25.2% | ||
| Q4 24 | 44.6% | 27.4% | ||
| Q3 24 | 44.3% | 23.8% | ||
| Q2 24 | 41.3% | 17.5% |
每股收益（稀释后）UMBFVLY
| Q1 26 | $3.35 | $0.29 | ||
| Q4 25 | $2.90 | $0.33 | ||
| Q3 25 | $2.36 | $0.28 | ||
| Q2 25 | $2.82 | $0.22 | ||
| Q1 25 | $1.21 | $0.18 | ||
| Q4 24 | $2.44 | $0.20 | ||
| Q3 24 | $2.23 | $0.18 | ||
| Q2 24 | $2.07 | $0.13 |
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 | $477.2M | $2.6B |
| 股东权益账面价值 | $7.8B | $7.9B |
| 总资产 | $72.7B | $64.5B |
| 负债/权益比越低杠杆越低 | 0.06× | 0.33× |
8季度趋势，按日历期对齐
现金及短期投资UMBFVLY
| Q1 26 | — | — | ||
| 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 | — |
总债务UMBFVLY
| Q1 26 | $477.2M | $2.6B | ||
| 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 | — |
股东权益UMBFVLY
| Q1 26 | $7.8B | $7.9B | ||
| Q4 25 | $7.7B | $7.8B | ||
| Q3 25 | $7.4B | $7.7B | ||
| Q2 25 | $7.3B | $7.6B | ||
| Q1 25 | $6.7B | $7.5B | ||
| Q4 24 | $3.5B | $7.4B | ||
| Q3 24 | $3.5B | $7.0B | ||
| Q2 24 | $3.2B | $6.7B |
总资产UMBFVLY
| Q1 26 | $72.7B | $64.5B | ||
| Q4 25 | $73.1B | $64.1B | ||
| Q3 25 | $71.9B | $63.0B | ||
| Q2 25 | $71.8B | $62.7B | ||
| Q1 25 | $69.3B | $61.9B | ||
| Q4 24 | $50.4B | $62.5B | ||
| Q3 24 | $47.5B | $62.1B | ||
| Q2 24 | $44.5B | $62.1B |
负债/权益比UMBFVLY
| Q1 26 | 0.06× | 0.33× | ||
| 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× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
