美股银行股业绩分化:摩根大通、纽约梅隆银行财报后上扬,富国银行逆势下跌

华尔街洞察
Jul 15, 2025

银行板块迎来财报季关键战役,三大金融机构呈现冰火两重天格局。全球托管银行巨头纽约梅隆银行(BK.N)盘前交易中跃升1.1%,创下亮眼财务表现:季度总营收历史性突破50亿美元大关,同比攀升9%;净利息收入增幅达17%,远超伦敦证券交易所集团(LSEG)统计的分析师预期均值11.8%;归属股东净利润劲增至13.9亿美元,较上年同期11.4亿美元显著增长。该股年内累计涨幅已逼近24%。

摩根大通(JPM.N)作为全美最大银行机构,在震荡盘前交易中最高上涨1%。该行将全年净利息收入预期从945亿美元上调至955亿美元,展现强劲盈利能力。剔除特殊成本后,每股收益达4.96美元,大幅超越市场普遍预期的4.48美元。其投行业务佣金收入同比增长7%至25亿美元,成为业绩亮点。截至周一收盘,该股年内累计上涨20.44%,跑赢标普500银行指数约15.5%的涨幅。

富国银行(WFC.N)则表现逊色,盘前下挫1.2%。这家全美第四大银行将年度利息收入预期削减至477亿美元左右,与2024年水平基本持平。尽管信贷损失拨备从去年同期的12.4亿美元降至10.1亿美元,且二季度每股净收益从1.33美元提升至1.60美元,但盈利指引下调仍引发市场担忧。该股年内18.78%的累计涨幅虽高于银行板块基准,但财报后走势明显承压。

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