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合众银行（WASH）与ZIPRECRUITER, INC.（ZIP）财务数据对比。点击上方公司名可切换其他公司
ZIPRECRUITER, INC.的季度营收约是合众银行的1.9倍（$111.7M vs $57.8M），合众银行净利率更高（21.8% vs -0.7%，领先22.5%），过去两年合众银行的营收复合增速更高（9.5% vs -4.4%）
美国合众银行是一家美国跨国金融机构，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，该银行为美国第五大银行，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具有系统重要性的金融机构。它主营银行、投资、抵押贷款等多元金融业务。
ZipRecruiter, Inc.是一家美国线上招聘平台企业，主打面向求职者与招聘方的求职招聘匹配服务，为双方提供高效对接的人才服务市场，帮助求职者快速找到适配岗位，也助力企业高效完成招聘需求。
WASH vs ZIP — 直观对比
营收规模更大
ZIP
是对方的1.9倍
$57.8M
净利率更高
WASH
高出22.5%
-0.7%
两年增速更快
WASH
近两年复合增速
-4.4%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $57.8M | $111.7M |
| 净利润 | $12.6M | $-835.0K |
| 毛利率 | — | 89.1% |
| 营业利润率 | — | 3.6% |
| 净利率 | 21.8% | -0.7% |
| 营收同比 | — | 0.6% |
| 净利润同比 | 3.5% | 92.3% |
| 每股收益（稀释后） | $0.66 | $-0.03 |
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WASHZIP
| Q1 26 | $57.8M | — | ||
| Q4 25 | $59.3M | $111.7M | ||
| Q3 25 | $56.5M | $115.0M | ||
| Q2 25 | $54.3M | $112.2M | ||
| Q1 25 | $59.1M | $110.1M | ||
| Q4 24 | $12.4M | $111.0M | ||
| Q3 24 | $48.5M | $117.1M | ||
| Q2 24 | $48.2M | $123.7M |
净利润WASHZIP
| Q1 26 | $12.6M | — | ||
| Q4 25 | $16.0M | $-835.0K | ||
| Q3 25 | $10.8M | $-9.8M | ||
| Q2 25 | $13.2M | $-9.5M | ||
| Q1 25 | $12.2M | $-12.8M | ||
| Q4 24 | $-60.8M | $-10.8M | ||
| Q3 24 | $11.0M | $-2.6M | ||
| Q2 24 | $10.8M | $7.0M |
毛利率WASHZIP
| Q1 26 | — | — | ||
| Q4 25 | — | 89.1% | ||
| Q3 25 | — | 89.1% | ||
| Q2 25 | — | 89.3% | ||
| Q1 25 | — | 89.4% | ||
| Q4 24 | — | 89.6% | ||
| Q3 24 | — | 89.4% | ||
| Q2 24 | — | 89.5% |
营业利润率WASHZIP
| Q1 26 | — | — | ||
| Q4 25 | 34.9% | 3.6% | ||
| Q3 25 | 24.7% | -4.4% | ||
| Q2 25 | 31.6% | -5.9% | ||
| Q1 25 | 26.5% | -10.6% | ||
| Q4 24 | -648.7% | -3.6% | ||
| Q3 24 | 28.5% | -2.8% | ||
| Q2 24 | 28.7% | 7.6% |
净利率WASHZIP
| Q1 26 | 21.8% | — | ||
| Q4 25 | 27.0% | -0.7% | ||
| Q3 25 | 19.2% | -8.5% | ||
| Q2 25 | 24.4% | -8.5% | ||
| Q1 25 | 20.6% | -11.7% | ||
| Q4 24 | -491.4% | -9.7% | ||
| Q3 24 | 22.6% | -2.2% | ||
| Q2 24 | 22.4% | 5.7% |
每股收益（稀释后）WASHZIP
| Q1 26 | $0.66 | — | ||
| Q4 25 | $0.84 | $-0.03 | ||
| Q3 25 | $0.56 | $-0.11 | ||
| Q2 25 | $0.68 | $-0.10 | ||
| Q1 25 | $0.63 | $-0.13 | ||
| Q4 24 | $-3.54 | $-0.10 | ||
| Q3 24 | $0.64 | $-0.03 | ||
| Q2 24 | $0.63 | $0.07 |
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 | $12.3M | $188.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $546.8M | $-77.2M |
| 总资产 | $6.5B | $569.7M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资WASHZIP
| Q1 26 | $12.3M | — | ||
| Q4 25 | — | $188.0M | ||
| Q3 25 | — | $211.8M | ||
| Q2 25 | — | $203.5M | ||
| Q1 25 | — | $221.1M | ||
| Q4 24 | — | $218.4M | ||
| Q3 24 | — | $225.6M | ||
| Q2 24 | — | $271.7M |
股东权益WASHZIP
| Q1 26 | $546.8M | — | ||
| Q4 25 | $543.6M | $-77.2M | ||
| Q3 25 | $533.0M | $-76.1M | ||
| Q2 25 | $527.5M | $-65.9M | ||
| Q1 25 | $521.7M | $-11.3M | ||
| Q4 24 | $499.7M | $13.4M | ||
| Q3 24 | $502.2M | $13.6M | ||
| Q2 24 | $471.0M | $24.4M |
总资产WASHZIP
| Q1 26 | $6.5B | — | ||
| Q4 25 | $6.6B | $569.7M | ||
| Q3 25 | $6.7B | $573.6M | ||
| Q2 25 | $6.7B | $592.4M | ||
| Q1 25 | $6.6B | $629.4M | ||
| Q4 24 | $6.9B | $664.1M | ||
| Q3 24 | $7.1B | $652.0M | ||
| Q2 24 | $7.2B | $665.3M |
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 | — | $7.7M |
| 自由现金流经营现金流 - 资本支出 | — | $7.6M |
| 自由现金流率自由现金流/营收 | — | 6.8% |
| 资本支出强度资本支出/营收 | — | 0.1% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $9.9M |
8季度趋势，按日历期对齐
经营现金流WASHZIP
| Q1 26 | — | — | ||
| Q4 25 | $80.3M | $7.7M | ||
| Q3 25 | $39.6M | $2.6M | ||
| Q2 25 | $11.3M | $10.5M | ||
| Q1 25 | $8.4M | $-9.9M | ||
| Q4 24 | $57.7M | $12.5M | ||
| Q3 24 | $25.7M | $9.3M | ||
| Q2 24 | $11.2M | $21.9M |
自由现金流WASHZIP
| Q1 26 | — | — | ||
| Q4 25 | $78.3M | $7.6M | ||
| Q3 25 | $39.3M | $2.2M | ||
| Q2 25 | $10.9M | $10.2M | ||
| Q1 25 | $8.4M | $-10.2M | ||
| Q4 24 | $53.7M | $12.0M | ||
| Q3 24 | $24.4M | $9.2M | ||
| Q2 24 | $9.6M | $21.7M |
自由现金流率WASHZIP
| Q1 26 | — | — | ||
| Q4 25 | 132.2% | 6.8% | ||
| Q3 25 | 69.6% | 1.9% | ||
| Q2 25 | 20.2% | 9.1% | ||
| Q1 25 | 14.2% | -9.3% | ||
| Q4 24 | 433.8% | 10.8% | ||
| Q3 24 | 50.4% | 7.8% | ||
| Q2 24 | 19.8% | 17.6% |
资本支出强度WASHZIP
| Q1 26 | — | — | ||
| Q4 25 | 3.4% | 0.1% | ||
| Q3 25 | 0.6% | 0.3% | ||
| Q2 25 | 0.7% | 0.3% | ||
| Q1 25 | 0.1% | 0.3% | ||
| Q4 24 | 32.3% | 0.4% | ||
| Q3 24 | 2.6% | 0.2% | ||
| Q2 24 | 3.4% | 0.1% |
现金转化率WASHZIP
| Q1 26 | — | — | ||
| Q4 25 | 5.03× | — | ||
| Q3 25 | 3.65× | — | ||
| Q2 25 | 0.86× | — | ||
| Q1 25 | 0.69× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.34× | — | ||
| Q2 24 | 1.03× | 3.12× |
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
WASH
| Net Interest Income | $40.5M | 70% |
| Noninterest Income | $17.3M | 30% |
ZIP
| License | $84.3M | 75% |
| Services | $27.4M | 25% |
