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美国合众银行（USB）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
美国合众银行的季度营收约是WEBSTER FINANCIAL CORP的125.5倍（$7.4B vs $58.7M）。WEBSTER FINANCIAL CORP净利率更高（435.9% vs 27.8%，领先408.1%）。美国合众银行同比增速更快（5.1% vs -0.2%）。过去两年美国合众银行的营收复合增速更高（4.7% vs -4.2%）
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。
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。
USB vs WBS — 直观对比
营收规模更大
USB
是对方的125.5倍
$58.7M
营收增速更快
USB
高出5.2%
-0.2%
净利率更高
WBS
高出408.1%
27.8%
两年增速更快
USB
近两年复合增速
-4.2%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $7.4B | $58.7M |
| 净利润 | $2.0B | $255.8M |
| 毛利率 | — | — |
| 营业利润率 | 34.4% | — |
| 净利率 | 27.8% | 435.9% |
| 营收同比 | 5.1% | -0.2% |
| 净利润同比 | 23.0% | 43.9% |
| 每股收益（稀释后） | $1.26 | $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USBWBS
| Q4 25 | $7.4B | $58.7M | ||
| Q3 25 | $7.3B | $59.1M | ||
| Q2 25 | $7.0B | $59.4M | ||
| Q1 25 | $7.0B | $60.8M | ||
| Q4 24 | $7.0B | $58.8M | ||
| Q3 24 | $6.9B | $61.1M | ||
| Q2 24 | $6.9B | $61.8M | ||
| Q1 24 | $6.7B | $64.0M |
净利润USBWBS
| Q4 25 | $2.0B | $255.8M | ||
| Q3 25 | $2.0B | $261.2M | ||
| Q2 25 | $1.8B | $258.8M | ||
| Q1 25 | $1.7B | $226.9M | ||
| Q4 24 | $1.7B | $177.8M | ||
| Q3 24 | $1.7B | $193.0M | ||
| Q2 24 | $1.6B | $181.6M | ||
| Q1 24 | $1.3B | $216.3M |
营业利润率USBWBS
| Q4 25 | 34.4% | — | ||
| Q3 25 | 34.5% | — | ||
| Q2 25 | 32.7% | — | ||
| Q1 25 | 31.0% | — | ||
| Q4 24 | 30.1% | — | ||
| Q3 24 | 30.2% | — | ||
| Q2 24 | 29.9% | — | ||
| Q1 24 | 24.9% | — |
净利率USBWBS
| Q4 25 | 27.8% | 435.9% | ||
| Q3 25 | 27.3% | 442.3% | ||
| Q2 25 | 25.9% | 435.6% | ||
| Q1 25 | 24.6% | 373.4% | ||
| Q4 24 | 23.7% | 302.4% | ||
| Q3 24 | 25.0% | 316.0% | ||
| Q2 24 | 23.3% | 293.7% | ||
| Q1 24 | 19.6% | 338.0% |
每股收益（稀释后）USBWBS
| Q4 25 | $1.26 | $1.54 | ||
| Q3 25 | $1.22 | $1.54 | ||
| Q2 25 | $1.11 | $1.52 | ||
| Q1 25 | $1.03 | $1.30 | ||
| Q4 24 | $1.01 | $1.01 | ||
| Q3 24 | $1.03 | $1.10 | ||
| Q2 24 | $0.97 | $1.03 | ||
| Q1 24 | $0.78 | $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 | — | — |
| 总债务越低越好 | — | $739.5M |
| 股东权益账面价值 | $65.2B | $9.5B |
| 总资产 | $692.3B | $84.1B |
| 负债/权益比越低杠杆越低 | — | 0.08× |
8季度趋势，按日历期对齐
总债务USBWBS
| Q4 25 | — | $739.5M | ||
| Q3 25 | — | $1.2B | ||
| Q2 25 | — | $905.6M | ||
| Q1 25 | — | $907.4M | ||
| Q4 24 | — | $909.2M | ||
| Q3 24 | — | $911.0M | ||
| Q2 24 | — | $912.7M | ||
| Q1 24 | — | $914.5M |
股东权益USBWBS
| Q4 25 | $65.2B | $9.5B | ||
| Q3 25 | $63.3B | $9.5B | ||
| Q2 25 | $61.4B | $9.3B | ||
| Q1 25 | $60.1B | $9.2B | ||
| Q4 24 | $58.6B | $9.1B | ||
| Q3 24 | $58.9B | $9.2B | ||
| Q2 24 | $56.4B | $8.8B | ||
| Q1 24 | $55.6B | $8.7B |
总资产USBWBS
| Q4 25 | $692.3B | $84.1B | ||
| Q3 25 | $695.4B | $83.2B | ||
| Q2 25 | $686.4B | $81.9B | ||
| Q1 25 | $676.5B | $80.3B | ||
| Q4 24 | $678.3B | $79.0B | ||
| Q3 24 | $686.5B | $79.5B | ||
| Q2 24 | $680.1B | $76.8B | ||
| Q1 24 | $683.6B | $76.2B |
负债/权益比USBWBS
| Q4 25 | — | 0.08× | ||
| Q3 25 | — | 0.13× | ||
| Q2 25 | — | 0.10× | ||
| Q1 25 | — | 0.10× | ||
| Q4 24 | — | 0.10× | ||
| Q3 24 | — | 0.10× | ||
| Q2 24 | — | 0.10× | ||
| Q1 24 | — | 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 | $2.8B | $317.6M |
| 自由现金流经营现金流 - 资本支出 | — | $301.8M |
| 自由现金流率自由现金流/营收 | — | 514.2% |
| 资本支出强度资本支出/营收 | — | 26.9% |
| 现金转化率经营现金流/净利润 | 1.39× | 1.24× |
| 过去12个月自由现金流最近4个季度 | — | $1.0B |
8季度趋势，按日历期对齐
经营现金流USBWBS
| Q4 25 | $2.8B | $317.6M | ||
| Q3 25 | $3.4B | $374.7M | ||
| Q2 25 | $2.0B | $270.9M | ||
| Q1 25 | $-285.0M | $94.9M | ||
| Q4 24 | $4.8B | $891.3M | ||
| Q3 24 | $972.0M | $45.3M | ||
| Q2 24 | $2.9B | $224.0M | ||
| Q1 24 | $2.7B | $243.7M |
自由现金流USBWBS
| Q4 25 | — | $301.8M | ||
| Q3 25 | — | $362.5M | ||
| Q2 25 | — | $257.7M | ||
| Q1 25 | — | $86.6M | ||
| Q4 24 | — | $879.0M | ||
| Q3 24 | — | $35.3M | ||
| Q2 24 | — | $215.6M | ||
| Q1 24 | — | $238.6M |
自由现金流率USBWBS
| Q4 25 | — | 514.2% | ||
| Q3 25 | — | 613.7% | ||
| Q2 25 | — | 433.6% | ||
| Q1 25 | — | 142.5% | ||
| Q4 24 | — | 1495.2% | ||
| Q3 24 | — | 57.8% | ||
| Q2 24 | — | 348.6% | ||
| Q1 24 | — | 372.8% |
资本支出强度USBWBS
| Q4 25 | — | 26.9% | ||
| Q3 25 | — | 20.7% | ||
| Q2 25 | — | 22.2% | ||
| Q1 25 | — | 13.7% | ||
| Q4 24 | — | 21.0% | ||
| Q3 24 | — | 16.4% | ||
| Q2 24 | — | 13.6% | ||
| Q1 24 | — | 7.9% |
现金转化率USBWBS
| Q4 25 | 1.39× | 1.24× | ||
| Q3 25 | 1.69× | 1.43× | ||
| Q2 25 | 1.12× | 1.05× | ||
| Q1 25 | -0.17× | 0.42× | ||
| Q4 24 | 2.87× | 5.01× | ||
| Q3 24 | 0.57× | 0.23× | ||
| Q2 24 | 1.79× | 1.23× | ||
| Q1 24 | 2.02× | 1.13× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
