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UMB FINANCIAL CORP（UMBF）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
UMB FINANCIAL CORP的季度营收约是WEBSTER FINANCIAL CORP的8.9倍（$522.5M vs $58.7M）。WEBSTER FINANCIAL CORP净利率更高（435.9% vs 41.2%，领先394.6%）。UMB FINANCIAL CORP同比增速更快（94.3% vs -0.2%）。WEBSTER FINANCIAL CORP自由现金流更多（$301.8M vs $95.3M）。过去两年UMB FINANCIAL CORP的营收复合增速更高（47.7% vs -4.2%）
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。
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。
UMBF vs WBS — 直观对比
营收规模更大
UMBF
是对方的8.9倍
$58.7M
营收增速更快
UMBF
高出94.4%
-0.2%
净利率更高
WBS
高出394.6%
41.2%
自由现金流更多
WBS
多$206.5M
$95.3M
两年增速更快
UMBF
近两年复合增速
-4.2%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $522.5M | $58.7M |
| 净利润 | $215.4M | $255.8M |
| 毛利率 | — | — |
| 营业利润率 | 51.7% | — |
| 净利率 | 41.2% | 435.9% |
| 营收同比 | 94.3% | -0.2% |
| 净利润同比 | 79.5% | 43.9% |
| 每股收益（稀释后） | $2.90 | $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UMBFWBS
| Q4 25 | $522.5M | $58.7M | ||
| Q3 25 | $475.0M | $59.1M | ||
| Q2 25 | $467.0M | $59.4M | ||
| Q1 25 | $397.6M | $60.8M | ||
| Q4 24 | $269.0M | $58.8M | ||
| Q3 24 | $247.4M | $61.1M | ||
| Q2 24 | $245.1M | $61.8M | ||
| Q1 24 | $239.4M | $64.0M |
净利润UMBFWBS
| Q4 25 | $215.4M | $255.8M | ||
| Q3 25 | $188.3M | $261.2M | ||
| Q2 25 | $217.4M | $258.8M | ||
| Q1 25 | $81.3M | $226.9M | ||
| Q4 24 | $120.0M | $177.8M | ||
| Q3 24 | $109.6M | $193.0M | ||
| Q2 24 | $101.3M | $181.6M | ||
| Q1 24 | $110.3M | $216.3M |
营业利润率UMBFWBS
| Q4 25 | 51.7% | — | ||
| Q3 25 | 49.8% | — | ||
| Q2 25 | 58.9% | — | ||
| Q1 25 | 23.4% | — | ||
| Q4 24 | 53.8% | — | ||
| Q3 24 | 54.8% | — | ||
| Q2 24 | 51.8% | — | ||
| Q1 24 | 55.9% | — |
净利率UMBFWBS
| Q4 25 | 41.2% | 435.9% | ||
| Q3 25 | 39.6% | 442.3% | ||
| Q2 25 | 46.5% | 435.6% | ||
| Q1 25 | 20.5% | 373.4% | ||
| Q4 24 | 44.6% | 302.4% | ||
| Q3 24 | 44.3% | 316.0% | ||
| Q2 24 | 41.3% | 293.7% | ||
| Q1 24 | 46.0% | 338.0% |
每股收益（稀释后）UMBFWBS
| Q4 25 | $2.90 | $1.54 | ||
| Q3 25 | $2.36 | $1.54 | ||
| Q2 25 | $2.82 | $1.52 | ||
| Q1 25 | $1.21 | $1.30 | ||
| Q4 24 | $2.44 | $1.01 | ||
| Q3 24 | $2.23 | $1.10 | ||
| Q2 24 | $2.07 | $1.03 | ||
| Q1 24 | $2.25 | $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 | $7.8B | — |
| 总债务越低越好 | $474.2M | $739.5M |
| 股东权益账面价值 | $7.7B | $9.5B |
| 总资产 | $73.1B | $84.1B |
| 负债/权益比越低杠杆越低 | 0.06× | 0.08× |
8季度趋势，按日历期对齐
现金及短期投资UMBFWBS
| 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UMBFWBS
| Q4 25 | $474.2M | $739.5M | ||
| Q3 25 | $471.3M | $1.2B | ||
| Q2 25 | $657.3M | $905.6M | ||
| Q1 25 | $654.4M | $907.4M | ||
| Q4 24 | $385.3M | $909.2M | ||
| Q3 24 | $384.8M | $911.0M | ||
| Q2 24 | $384.2M | $912.7M | ||
| Q1 24 | $383.7M | $914.5M |
股东权益UMBFWBS
| Q4 25 | $7.7B | $9.5B | ||
| Q3 25 | $7.4B | $9.5B | ||
| Q2 25 | $7.3B | $9.3B | ||
| Q1 25 | $6.7B | $9.2B | ||
| Q4 24 | $3.5B | $9.1B | ||
| Q3 24 | $3.5B | $9.2B | ||
| Q2 24 | $3.2B | $8.8B | ||
| Q1 24 | $3.2B | $8.7B |
总资产UMBFWBS
| Q4 25 | $73.1B | $84.1B | ||
| Q3 25 | $71.9B | $83.2B | ||
| Q2 25 | $71.8B | $81.9B | ||
| Q1 25 | $69.3B | $80.3B | ||
| Q4 24 | $50.4B | $79.0B | ||
| Q3 24 | $47.5B | $79.5B | ||
| Q2 24 | $44.5B | $76.8B | ||
| Q1 24 | $45.3B | $76.2B |
负债/权益比UMBFWBS
| Q4 25 | 0.06× | 0.08× | ||
| Q3 25 | 0.06× | 0.13× | ||
| Q2 25 | 0.09× | 0.10× | ||
| Q1 25 | 0.10× | 0.10× | ||
| Q4 24 | 0.11× | 0.10× | ||
| Q3 24 | 0.11× | 0.10× | ||
| Q2 24 | 0.12× | 0.10× | ||
| Q1 24 | 0.12× | 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 | $106.1M | $317.6M |
| 自由现金流经营现金流 - 资本支出 | $95.3M | $301.8M |
| 自由现金流率自由现金流/营收 | 18.2% | 514.2% |
| 资本支出强度资本支出/营收 | 2.1% | 26.9% |
| 现金转化率经营现金流/净利润 | 0.49× | 1.24× |
| 过去12个月自由现金流最近4个季度 | $978.1M | $1.0B |
8季度趋势，按日历期对齐
经营现金流UMBFWBS
| Q4 25 | $106.1M | $317.6M | ||
| Q3 25 | $272.2M | $374.7M | ||
| Q2 25 | $285.4M | $270.9M | ||
| Q1 25 | $363.0M | $94.9M | ||
| Q4 24 | $-66.9M | $891.3M | ||
| Q3 24 | $123.6M | $45.3M | ||
| Q2 24 | $112.4M | $224.0M | ||
| Q1 24 | $56.1M | $243.7M |
自由现金流UMBFWBS
| Q4 25 | $95.3M | $301.8M | ||
| Q3 25 | $257.8M | $362.5M | ||
| Q2 25 | $270.8M | $257.7M | ||
| Q1 25 | $354.2M | $86.6M | ||
| Q4 24 | $-77.1M | $879.0M | ||
| Q3 24 | $117.7M | $35.3M | ||
| Q2 24 | $106.7M | $215.6M | ||
| Q1 24 | $53.8M | $238.6M |
自由现金流率UMBFWBS
| Q4 25 | 18.2% | 514.2% | ||
| Q3 25 | 54.3% | 613.7% | ||
| Q2 25 | 58.0% | 433.6% | ||
| Q1 25 | 89.1% | 142.5% | ||
| Q4 24 | -28.6% | 1495.2% | ||
| Q3 24 | 47.6% | 57.8% | ||
| Q2 24 | 43.5% | 348.6% | ||
| Q1 24 | 22.5% | 372.8% |
资本支出强度UMBFWBS
| Q4 25 | 2.1% | 26.9% | ||
| Q3 25 | 3.0% | 20.7% | ||
| Q2 25 | 3.1% | 22.2% | ||
| Q1 25 | 2.2% | 13.7% | ||
| Q4 24 | 3.8% | 21.0% | ||
| Q3 24 | 2.4% | 16.4% | ||
| Q2 24 | 2.3% | 13.6% | ||
| Q1 24 | 1.0% | 7.9% |
现金转化率UMBFWBS
| Q4 25 | 0.49× | 1.24× | ||
| Q3 25 | 1.45× | 1.43× | ||
| Q2 25 | 1.31× | 1.05× | ||
| Q1 25 | 4.46× | 0.42× | ||
| Q4 24 | -0.56× | 5.01× | ||
| Q3 24 | 1.13× | 0.23× | ||
| Q2 24 | 1.11× | 1.23× | ||
| Q1 24 | 0.51× | 1.13× |
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% |
WBS
暂无分部数据
