[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"app-context":3,"blog-10-bank-stocks-with-strong-deposit-pricing-power-in-2025-ZH":150},{"languages":4,"categories":41,"products":125,"competitors":149},[5,9,13,17,21,25,29,33,37],{"name":6,"code":7,"id":8},"English","EN","TGFuZ3VhZ2U6ZW4=",{"name":10,"code":11,"id":12},"Español","ES","TGFuZ3VhZ2U6ZXM=",{"name":14,"code":15,"id":16},"Português","PT","TGFuZ3VhZ2U6cHQ=",{"name":18,"code":19,"id":20},"日本語","JA","TGFuZ3VhZ2U6amE=",{"name":22,"code":23,"id":24},"한국어","KO","TGFuZ3VhZ2U6a28=",{"name":26,"code":27,"id":28},"Deutsch","DE","TGFuZ3VhZ2U6ZGU=",{"name":30,"code":31,"id":32},"Italiano","IT","TGFuZ3VhZ2U6aXQ=",{"name":34,"code":35,"id":36},"Français","FR","TGFuZ3VhZ2U6ZnI=",{"name":38,"code":39,"id":40},"中文 (中国)","ZH","TGFuZ3VhZ2U6emg=",[42,73,104],{"icon":43,"slug":44,"title":45,"description":46,"featuredLinks":47},"mingcute:stock-line","stock-market-basics","Stock Market Basics","\u003Cp>Beginners' guides and practical tips for understanding stock market investing.\u003C\u002Fp>\n",[48,53,58,63,68],{"url":49,"title":50,"description":51,"ogImage":52},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fwhat-makes-stocks-go-up-and-down","What Makes Stocks Go Up and Down | TIKR.com","Understanding what makes stock prices go up and down can help investors better navigate investing. Click to learn more!","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FWhat-makes-stocks-go-up-and-down-banner\u002FWhat-makes-stocks-go-up-and-down-banner.jpg?_i=AA",{"url":54,"title":55,"description":56,"ogImage":57},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fdividend-yield-meaning-formula-example","Dividend Yield: Meaning, Formula, Example | Tikr.com Blog | TIKR.com","The dividend yield is a key metric for investors looking to gauge the income potential of their investments. It measures how much a company pays out in","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FDividend-yield\u002FDividend-yield.png?_i=AA",{"url":59,"title":60,"description":61,"ogImage":62},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fmarket-capitalization-definition-formula-and-why-it-matters","Market Capitalization: Definition, Formula, and Why It Matters | TIKR.com","Long-term investors often look at various valuation metrics when deciding whether to invest in a particular company. One helpful metric to evaluate is","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FMarket-Capitalization-Definition-Formula-and-Why-It-Matters\u002FMarket-Capitalization-Definition-Formula-and-Why-It-Matters.png?_i=AA",{"url":64,"title":65,"description":66,"ogImage":67},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fearnings-per-share-definition-formula-and-why-eps-matters","Earnings Per Share: Definition, Formula, and Why EPS Matters | TIKR.com","Earnings Per Share (EPS) represents the portion of a company's net earnings allocated to each share. Click to learn more!","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FEPS-Defiinition-formula-and-why-EPS-matters-1\u002FEPS-Defiinition-formula-and-why-EPS-matters-1.png?_i=AA",{"url":69,"title":70,"description":71,"ogImage":72},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fwhat-is-a-stock-price-target","What Is a Stock Price Target? | TIKR.com","A price target is a stock's estimated future price. It can help investors quickly find undervalued stocks. Learn more now!","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FWhat-is-a-Stock-Price-Target-2\u002FWhat-is-a-Stock-Price-Target-2.png?_i=AA",{"icon":74,"slug":75,"title":76,"description":77,"featuredLinks":78},"material-symbols:analytics-outline","fundamental-analysis","Fundamental Analysis","\u003Cp>In-depth resources and financial metrics to help you evaluate companies like a pro.\u003C\u002Fp>\n",[79,84,89,94,99],{"url":80,"title":81,"description":82,"ogImage":83},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fshare-repurchase-why-do-companies-buy-back-their-stock","Share Repurchase: Why Do Companies Buy Back Their Stock? | TIKR.com","Share repurchases, or share buybacks, have gained popularity in the last two decades. According to a report from Goldman Sachs, stock buybacks initiated","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FTIKR-BLOG-COVER-PHOTOS-3_544a7f4e\u002FTIKR-BLOG-COVER-PHOTOS-3_544a7f4e.png?_i=AA",{"url":85,"title":86,"description":87,"ogImage":88},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fwhat-is-a-good-return-on-invested-capital","What Is a Good Return on Invested Capital? | TIKR.com","Learning about Return on Invested Capital (ROIC) can help investors spot highly profitable stocks that can drive long-term returns. Learn more now!","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FWhat-is-a-good-return-on-Invested-capital\u002FWhat-is-a-good-return-on-Invested-capital.png?_i=AA",{"url":90,"title":91,"description":92,"ogImage":93},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fwhat-is-a-good-return-on-equity-ratio","What is a Good Return on Equity Ratio | Tikr.com Blog | TIKR.com","Return on Equity (ROE) is a financial ratio that reflects a company's profitability in relation to the equity invested by shareholders. It basically","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FWhat-is-a-good-return-on-equity-ratio-1\u002FWhat-is-a-good-return-on-equity-ratio-1.jpg?_i=AA",{"url":95,"title":96,"description":97,"ogImage":98},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fwhat-is-a-good-p-e-ratio","What Is a Good P\u002FE Ratio? | TIKR.com","Financial analysts and investors look at various metrics before deciding whether a stock is a buy. One of the metrics is the price-to-earnings ratio (P\u002FE","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FWhat-is-a-good-PE-ratio-1\u002FWhat-is-a-good-PE-ratio-1.jpg?_i=AA",{"url":100,"title":101,"description":102,"ogImage":103},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Ftop-6-metrics-for-investing-in-reits","Top 6 Metrics for Investing in REITs | TIKR.com","Real estate has been one of the greatest asset classes for wealth creation in history, and investing in Real Estate Investment Trusts (REITs) can allow","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FGroup-10\u002FGroup-10.png?_i=AA",{"icon":105,"slug":106,"title":107,"description":108,"featuredLinks":109},"hugeicons:investigation","investing-lingo","Investing Lingo","\u003Cp>A comprehensive glossary of investing terms and jargon so you can speak the language of the markets confidently.\u003C\u002Fp>\n",[110,115,120],{"url":111,"title":112,"description":113,"ogImage":114},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fenterprise-value-definition-and-calculation","Enterprise Value: Definition and Calculation | Tikr.com Blog | TIKR.com","Enterprise value (EV) is a financial metric that offers a comprehensive snapshot of a company's total value. Unlike market capitalization which solely","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FEnterprise-Value-Definition-and-Calculation_37576e40\u002FEnterprise-Value-Definition-and-Calculation_37576e40.png?_i=AA",{"url":116,"title":117,"description":118,"ogImage":119},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Febitda-definition-formula-how-to-use-it","EBITDA: Definition, Formula, How to Use It | TIKR.com","EBITDA stands for earnings before interest, taxes, depreciation and amortization. It's a financial metric commonly used to evaluate a company's financial","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FEBITDA-Definition-Formula-How-to-Use-It\u002FEBITDA-Definition-Formula-How-to-Use-It.png?_i=AA",{"url":121,"title":122,"description":123,"ogImage":124},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fwhat-is-the-free-cash-flow-formula-and-why-does-it-matter","What is the Free Cash Flow Formula and Why Does It Matter | TIKR.com","Free cash flow, or FCF, is the cash a company generates after it accounts for outflows required to maintain business operations and support capital","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FWhat-is-the-free-cash-flow-formula\u002FWhat-is-the-free-cash-flow-formula.png?_i=AA",[126,130,134,137,141,145],{"slug":127,"modified":128,"title":129},"valuation-model-builder","2025-07-03T00:18:53","Value Stocks Quickly and Accurately",{"slug":131,"modified":132,"title":133},"stock-portfolio-tracking","2024-12-02T22:21:28","Monitor Your Portfolio",{"slug":75,"modified":135,"title":136},"2025-01-21T22:10:52","Instantly Analyze Companies with In-Depth Metrics",{"slug":138,"modified":139,"title":140},"stock-screener","2024-12-02T22:13:31","Find the Best Stocks to Buy",{"slug":142,"modified":143,"title":144},"investor-stock-portfolio","2025-01-21T22:02:56","Follow Investment Moves of Top Investors",{"slug":146,"modified":147,"title":148},"analyze-stocks","2025-07-23T16:04:24","Analyze Stocks",[],{"post":151,"seo":186,"relatedPosts":192,"suggestedPosts":193},{"id":152,"title":153,"date":154,"modified":155,"excerpt":156,"content":157,"wordCount":158,"lang":159,"uri":160,"slug":161,"cloudinaryAssetId":162,"featuredImageOriginalUrl":163,"featuredImageMetadata":164,"author":166,"editor":172,"categories":177,"relatedPosts":183,"seo":184},56557,"2025 年 10 家存款定价能力强的银行股","2025-09-24T17:05:00","2025-09-24T17:04:28","\u003Cp>以下是 2025 年存款定价能力最强的 10 家银行。这些金融机构的定位是在美联储降息时保护利润并保持增长。\u003C\u002Fp>\n","\n\u003Cp>美联储最近降息 25 个基点，将话题从加息转向宽松，但有一点没有改变：存款定价能力仍是银行盈利能力的关键驱动因素。\u003C\u002Fp>\n\n\n\n\u003Cp>这一指标反映了银行如何有效管理相对于利率变动的融资成本，无论利率是上升还是下降。\u003C\u002Fp>\n\n\n\n\u003Cp>定价能力强的银行在任何环境下都能保护利润率。当利率上升时，它们可以避免将上升部分全部转嫁给储户。当利率下降时，它们可以迅速降低融资成本，减轻对贷款收益率的影响。\u003C\u002Fp>\n\n\n\n\u003Cp>2025 年，投资者关注的重点是那些将定价能力与多元化收入来源和严格的资产负债表管理相结合的机构。以下是 10 家银行股中的佼佼者，它们有能力驾驭不断变化的利率周期，并实现可持续的盈利能力。\u003Cbr>\u003C\u002Fp>\n\n\n\n\u003Cfigure class=\"wp-block-table\">\u003Ctable class=\"has-fixed-layout\">\u003Ctbody>\u003Ctr>\u003Ctd>摩根大通银行 (JPM)\u003C\u002Ftd>\u003Ctd>1.3%\u003C\u002Ftd>\u003Ctd>15.48\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>美国银行 (BAC)\u003C\u002Ftd>\u003Ctd>5.4%\u003C\u002Ftd>\u003Ctd>12.85\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>富国银行 (WFC)\u003C\u002Ftd>\u003Ctd>5.8%\u003C\u002Ftd>\u003Ctd>13.40\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>PNC 金融服务集团 (PNC)\u003C\u002Ftd>\u003Ctd>3.6%\u003C\u002Ftd>\u003Ctd>12.58\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>美国合众银行 (USB)\u003C\u002Ftd>\u003Ctd>9.6%\u003C\u002Ftd>\u003Ctd>10.87\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>特里斯特金融公司 (TFC)\u003C\u002Ftd>\u003Ctd>4.0%\u003C\u002Ftd>\u003Ctd>11.18\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>M&T 银行公司 (MTB)\u003C\u002Ftd>\u003Ctd>6.8%\u003C\u002Ftd>\u003Ctd>11.38\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>地区金融公司 (RF)\u003C\u002Ftd>\u003Ctd>3.8%\u003C\u002Ftd>\u003Ctd>11.31\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>第一公民银行股份公司 (FCNC.A)\u003C\u002Ftd>\u003Ctd>16.1%\u003C\u002Ftd>\u003Ctd>11.37\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>库伦\u002F弗罗斯特银行 (CFR)\u003C\u002Ftd>\u003Ctd>4.1%\u003C\u002Ftd>\u003Ctd>13.61\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003C\u002Ffigure>\n\n\n\n\u003Cp>\u003Cem>\u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fregister?ref=tikrblog\">\u003Cstrong>\u003Cem>\u003Cstrong>\u003Cem>\u003Cstrong>\u003Cem>\u003Cstrong>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fstrong>\u003C\u002Fa>\u003Cem>\u003Cstrong>\u003Cem>\u003Cstrong>\u003Cem>\u003Cstrong>\u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fregister?ref=tikrblog-compoundersreport\">解锁我们的免费报告：根据华尔街的增长预期，5 只价值被低估的复合型股票具有上升空间，可能带来跑赢市场的回报（注册 TIKR，免费） >>>\u003C\u002Fa>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fem>\u003C\u002Fp>\n\n\n\n\u003Cp>以下是目前可能被低估得最厉害的 3 种股票：\u003C\u002Fp>\n\n\n\n\u003Ch2 class=\"wp-block-heading\" id=\"h-m-amp-t-bank-nbsp-mtb\">\u003Cstrong>M&T 银行\u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fstock\u002Fabout?cid=272285&tid=2627536&ref=tikrblog\">(MTB\u003C\u002Fa>)\u003C\u002Fstrong>\u003C\u002Fh2>\n\n\n\u003Cdiv class=\"wp-block-image\">\n\u003Cfigure class=\"aligncenter size-full\">\u003Cimg width=\"1924\" height=\"2560\" data-public-id=\"images\u002FMTB_valuation_model_59103bd2d6\u002FMTB_valuation_model_59103bd2d6.png\" loading=\"lazy\" decoding=\"async\" src=\"https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_1924,h_2560,c_scale\u002Ff_webp,q_auto\u002Fv1756547174\u002Fimages\u002FMTB_valuation_model_59103bd2d6\u002FMTB_valuation_model_59103bd2d6.png?_i=AA\" alt=\"\" class=\"wp-post-56557 wp-image-59095 wp-image-59103\" style=\"object-fit:cover\" data-format=\"webp\" data-transformations=\"f_webp,q_auto\" data-version=\"1756547174\" data-seo=\"1\" srcset=\"https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_1924,h_2560,c_scale\u002Ff_webp,q_auto\u002Fv1756547174\u002Fimages\u002FMTB_valuation_model_59103bd2d6\u002FMTB_valuation_model_59103bd2d6.png?_i=AA 1924w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_225,h_300,c_scale\u002Ff_webp,q_auto\u002Fv1756547174\u002Fimages\u002FMTB_valuation_model_59103bd2d6\u002FMTB_valuation_model_59103bd2d6.png?_i=AA 225w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_770,h_1024,c_scale\u002Ff_webp,q_auto\u002Fv1756547174\u002Fimages\u002FMTB_valuation_model_59103bd2d6\u002FMTB_valuation_model_59103bd2d6.png?_i=AA 770w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_768,h_1022,c_scale\u002Ff_webp,q_auto\u002Fv1756547174\u002Fimages\u002FMTB_valuation_model_59103bd2d6\u002FMTB_valuation_model_59103bd2d6.png?_i=AA 768w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_1154,h_1536,c_scale\u002Ff_webp,q_auto\u002Fv1756547174\u002Fimages\u002FMTB_valuation_model_59103bd2d6\u002FMTB_valuation_model_59103bd2d6.png?_i=AA 1154w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_1539,h_2048,c_scale\u002Ff_webp,q_auto\u002Fv1756547174\u002Fimages\u002FMTB_valuation_model_59103bd2d6\u002FMTB_valuation_model_59103bd2d6.png?_i=AA 1539w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_1200,h_1597,c_scale\u002Ff_webp,q_auto\u002Fv1756547174\u002Fimages\u002FMTB_valuation_model_59103bd2d6\u002FMTB_valuation_model_59103bd2d6.png?_i=AA 1200w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_1400,h_1863,c_scale\u002Ff_webp,q_auto\u002Fv1756547174\u002Fimages\u002FMTB_valuation_model_59103bd2d6\u002FMTB_valuation_model_59103bd2d6.png?_i=AA 1400w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_300,h_399,c_scale\u002Ff_webp,q_auto\u002Fv1756547174\u002Fimages\u002FMTB_valuation_model_59103bd2d6\u002FMTB_valuation_model_59103bd2d6.png?_i=AA 300w\" sizes=\"auto, (max-width: 1924px) 100vw, 1924px\" \u002F>\u003Cfigcaption class=\"wp-element-caption\">M&T 银行公司指导估值模型 (\u003Cstrong>\u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fregister?ref=tikrblog\">TIKR\u003C\u002Fa>\u003C\u002Fstrong>)\u003C\u002Ffigcaption>\u003C\u002Ffigure>\u003C\u002Fdiv>\n\n\n\u003Cp>M&T 银行是地区性银行定价能力的典范。该银行将近三分之一的存款都是无息余额，是同业中存款结构最合理的银行之一。这些具有粘性的商业运营账户集中在东北部和大西洋中部地区，可提供对利率变动不太敏感的持久资金。\u003C\u002Fp>\n\n\n\n\u003Cp>M&T 的管理层拒绝追逐高成本存款，即使这意味着要牺牲一些贷款增长。这种纪律使存款总成本在结构上低于许多同行，从而在加息和减息周期中都能缓冲盈利能力。对投资者而言，M&T 的保守做法使其成为最有弹性的地区性银行之一，无论美联储下一步走向如何，它都有能力捍卫利润率并维持盈利能力。\u003C\u002Fp>\n\n\n\n\u003Cp>\u003Cstrong>\u003Cem>\u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fregister?ref=tikrblog\">使用 TIKR 的新估值模型在 30 秒内对任何股票进行估值（免费） >>>\u003C\u002Fa>\u003C\u002Fem>\u003C\u002Fstrong>\u003C\u002Fp>\n\n\n\n\u003Ch2 class=\"wp-block-heading\" id=\"h-u-s-bancorp-usb\">美国银行\u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fstock\u002Fabout?cid=305304&tid=2660059&ref=tikrblog\">(USB\u003C\u002Fa>)\u003C\u002Fh2>\n\n\n\u003Cdiv class=\"wp-block-image\">\n\u003Cfigure class=\"aligncenter size-full\">\u003Cimg width=\"1924\" height=\"2560\" data-public-id=\"images\u002FUSB_valuation_model_5911247887\u002FUSB_valuation_model_5911247887.png\" loading=\"lazy\" decoding=\"async\" src=\"https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_1924,h_2560,c_scale\u002Ff_webp,q_auto\u002Fv1756547356\u002Fimages\u002FUSB_valuation_model_5911247887\u002FUSB_valuation_model_5911247887.png?_i=AA\" alt=\"\" class=\"wp-post-56557 wp-image-59104 wp-image-59112\" style=\"object-fit:cover\" data-format=\"webp\" data-transformations=\"f_webp,q_auto\" data-version=\"1756547356\" data-seo=\"1\" srcset=\"https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_1924,h_2560,c_scale\u002Ff_webp,q_auto\u002Fv1756547356\u002Fimages\u002FUSB_valuation_model_5911247887\u002FUSB_valuation_model_5911247887.png?_i=AA 1924w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_225,h_300,c_scale\u002Ff_webp,q_auto\u002Fv1756547356\u002Fimages\u002FUSB_valuation_model_5911247887\u002FUSB_valuation_model_5911247887.png?_i=AA 225w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_770,h_1024,c_scale\u002Ff_webp,q_auto\u002Fv1756547356\u002Fimages\u002FUSB_valuation_model_5911247887\u002FUSB_valuation_model_5911247887.png?_i=AA 770w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_768,h_1022,c_scale\u002Ff_webp,q_auto\u002Fv1756547356\u002Fimages\u002FUSB_valuation_model_5911247887\u002FUSB_valuation_model_5911247887.png?_i=AA 768w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_1154,h_1536,c_scale\u002Ff_webp,q_auto\u002Fv1756547356\u002Fimages\u002FUSB_valuation_model_5911247887\u002FUSB_valuation_model_5911247887.png?_i=AA 1154w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_1539,h_2048,c_scale\u002Ff_webp,q_auto\u002Fv1756547356\u002Fimages\u002FUSB_valuation_model_5911247887\u002FUSB_valuation_model_5911247887.png?_i=AA 1539w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_1200,h_1597,c_scale\u002Ff_webp,q_auto\u002Fv1756547356\u002Fimages\u002FUSB_valuation_model_5911247887\u002FUSB_valuation_model_5911247887.png?_i=AA 1200w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_1400,h_1863,c_scale\u002Ff_webp,q_auto\u002Fv1756547356\u002Fimages\u002FUSB_valuation_model_5911247887\u002FUSB_valuation_model_5911247887.png?_i=AA 1400w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_300,h_399,c_scale\u002Ff_webp,q_auto\u002Fv1756547356\u002Fimages\u002FUSB_valuation_model_5911247887\u002FUSB_valuation_model_5911247887.png?_i=AA 300w\" sizes=\"auto, (max-width: 1924px) 100vw, 1924px\" \u002F>\u003Cfigcaption class=\"wp-element-caption\">美国银行指导估值模型 (\u003Cstrong>\u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fregister?ref=tikrblog\">TIKR\u003C\u002Fa>\u003C\u002Fstrong>)\u003C\u002Ffigcaption>\u003C\u002Ffigure>\u003C\u002Fdiv>\n\n\n\u003Cp>U.S. Bancorp 集规模与纪律于一身，即使利率发生变化，也能保持稳定的定价能力。它在中西部和西部的零售业务为其提供了可靠的消费者支票账户流，而财资服务和支付业务则增加了大量的运营余额。这些因素共同构成了粘性低成本存款的基础，使其不易快速重新定价。\u003C\u002Fp>\n\n\n\n\u003Cp>虽然 USB 的存款贝塔值在最近几个季度有所上升，但该银行一直通过避免激烈的利率竞争来维持低于同行的成本。该行在 2023 年收购了联合银行（Union Bank），扩大了业务范围，但并未损害其雄厚的资金基础。对于投资者来说，USB 提供了可靠的存款管理，并能通过零售粘性和商业关系的组合来维护利润率。\u003C\u002Fp>\n\n\n\n\u003Cp>\u003Cem>\u003Cstrong>\u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fregister?ref=tikrblog\">使用 TIKR 查找比我们更看好的股票（免费） >>>\u003C\u002Fa>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fp>\n\n\n\n\u003Ch2 class=\"wp-block-heading\" id=\"h-jpmorgan-chase-amp-co-jpm\">\u003Cstrong>摩根大通\u003C\u002Fstrong>\u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fstock\u002Fabout?cid=658776&tid=2622876&ref=tikrblog\">(JPM\u003C\u002Fa>)\u003C\u002Fh2>\n\n\n\u003Cdiv class=\"wp-block-image\">\n\u003Cfigure class=\"aligncenter size-full\">\u003Cimg width=\"1924\" height=\"2560\" data-public-id=\"images\u002FJPM_valuation_model\u002FJPM_valuation_model.png\" loading=\"lazy\" decoding=\"async\" src=\"https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_1924,h_2560,c_scale\u002Ff_webp,q_auto\u002Fv1756547732\u002Fimages\u002FJPM_valuation_model\u002FJPM_valuation_model.png?_i=AA\" alt=\"\" class=\"wp-post-56557 wp-image-59113 wp-image-59121\" style=\"object-fit:cover\" data-format=\"webp\" data-transformations=\"f_webp,q_auto\" data-version=\"1756547732\" data-seo=\"1\" srcset=\"https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_1924,h_2560,c_scale\u002Ff_webp,q_auto\u002Fv1756547732\u002Fimages\u002FJPM_valuation_model\u002FJPM_valuation_model.png?_i=AA 1924w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_225,h_300,c_scale\u002Ff_webp,q_auto\u002Fv1756547732\u002Fimages\u002FJPM_valuation_model\u002FJPM_valuation_model.png?_i=AA 225w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_770,h_1024,c_scale\u002Ff_webp,q_auto\u002Fv1756547732\u002Fimages\u002FJPM_valuation_model\u002FJPM_valuation_model.png?_i=AA 770w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_768,h_1022,c_scale\u002Ff_webp,q_auto\u002Fv1756547732\u002Fimages\u002FJPM_valuation_model\u002FJPM_valuation_model.png?_i=AA 768w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_1154,h_1536,c_scale\u002Ff_webp,q_auto\u002Fv1756547732\u002Fimages\u002FJPM_valuation_model\u002FJPM_valuation_model.png?_i=AA 1154w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_1539,h_2048,c_scale\u002Ff_webp,q_auto\u002Fv1756547732\u002Fimages\u002FJPM_valuation_model\u002FJPM_valuation_model.png?_i=AA 1539w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_1200,h_1597,c_scale\u002Ff_webp,q_auto\u002Fv1756547732\u002Fimages\u002FJPM_valuation_model\u002FJPM_valuation_model.png?_i=AA 1200w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_1400,h_1863,c_scale\u002Ff_webp,q_auto\u002Fv1756547732\u002Fimages\u002FJPM_valuation_model\u002FJPM_valuation_model.png?_i=AA 1400w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_300,h_399,c_scale\u002Ff_webp,q_auto\u002Fv1756547732\u002Fimages\u002FJPM_valuation_model\u002FJPM_valuation_model.png?_i=AA 300w\" sizes=\"auto, (max-width: 1924px) 100vw, 1924px\" \u002F>\u003Cfigcaption class=\"wp-element-caption\">摩根大通指导估值模型 (\u003Cstrong>\u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fregister?ref=tikrblog\">TIKR\u003C\u002Fa>\u003C\u002Fstrong>)\u003C\u002Ffigcaption>\u003C\u002Ffigure>\u003C\u002Fdiv>\n\n\n\u003Cp>摩根大通凭借其无与伦比的特许经营权和规模，树立了存款定价权的标准。摩根大通拥有超过 6000 亿美元的无息存款，是全球最稳定、对利率最不敏感的资金来源之一。其庞大的消费者支票业务和占主导地位的企业资金业务确保了存款的粘性，即使利率上升或下降。\u003C\u002Fp>\n\n\n\n\u003Cp>这种优势使摩根大通银行能够比同行更有效地控制资金成本。在过去的紧缩周期中，摩根大通在存款重新定价方面始终落后于同业，从而保住了利润率。在削减周期中，其资产负债表的灵活性意味着它可以战略性地降低成本，而不会危及双方的关系。对投资者而言，摩根大通是定价能力的黄金标准，其结构性优势可在任何利率环境下保护盈利能力。\u003C\u002Fp>\n\n\n\n\u003Cp>\u003Cem>\u003Cstrong>\u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fregister?ref=tikrblog\">价值型股票，如 \u003C\u002Fa>\u003C\u002Fstrong>\u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fregister?ref=tikrblog\">\u003Cstrong>\u003Cstrong>摩根大通\u003C\u002Fstrong>\u003C\u002Fstrong>\u003C\u002Fa>\u003Cstrong>\u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fregister?ref=tikrblog\">TIKR >>> 更快\u003C\u002Fa>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fp>\n\n\n\n\u003Ch2 class=\"wp-block-heading\" id=\"h-wall-street-analysts-are-bullish-on-these-5-undervalued-compounders-with-market-beating-potential\">\u003Cstrong>华尔街分析师看好这5家被低估的复合型企业，它们具有战胜市场的潜力\u003C\u002Fstrong>\u003C\u002Fh2>\n\n\n\n\u003Cp>TIKR 刚刚发布了一份新的免费报告，介绍了 5 家\u003Cstrong>价值\u003C\u002Fstrong>似乎\u003Cstrong>被低估的\u003C\u002Fstrong>复合型企业，这些企业过去曾\u003Cstrong>战胜过市场 \u003C\u002Fstrong>，而且根据分析师的估计，它们在 1-5 年的时间里可能会继续\u003Cstrong>跑\u003C\u002Fstrong> \u003Cstrong>赢大盘 \u003C\u002Fstrong>。\u003C\u002Fp>\n\n\n\n\u003Cp>在这份报告中，您将了解到 5 家优质企业的详细情况，这些企业拥有\u003C\u002Fp>\n\n\n\n\u003Cul class=\"wp-block-list\">\n\u003Cli>强劲的收入增长和持久的竞争优势\u003C\u002Fli>\n\n\n\n\u003Cli>基于远期收益和预期收益增长的诱人估值\u003C\u002Fli>\n\n\n\n\u003Cli>分析师预测和 TIKR 估值模型支持的长期上涨潜力\u003C\u002Fli>\n\u003C\u002Ful>\n\n\n\n\u003Cp>这些都是可以带来巨大长期回报的股票，尤其是如果您在它们仍以折扣价交易时抓住它们。\u003C\u002Fp>\n\n\n\n\u003Cp>无论您是长期投资者，还是只想寻找以低于公允价值交易的优秀企业，本报告都将帮助您锁定高溢价机会。\u003C\u002Fp>\n\n\n\n\u003Cp>\u003Cstrong>\u003Cem>\u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fregister?ref=tikrblog-compoundersreport\">单击此处注册 TIKR，免费获取我们关于 5 家价值被低估的复合型企业的完整报告。\u003C\u002Fa>\u003C\u002Fem>\u003C\u002Fstrong>\u003C\u002Fp>\n\n\n\n\u003Ch2 class=\"wp-block-heading\" id=\"h-looking-for-new-opportunities\">\u003Cstrong>寻找新机会？\u003C\u002Fstrong>\u003C\u002Fh2>\n\n\n\n\u003Cul class=\"wp-block-list\">\n\u003Cli>查看\u003Cstrong> \u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fregister?ref=tikrblog\">亿万富翁投资者正在购买\u003C\u002Fa> \u003C\u002Fstrong>哪些股票\u003Cstrong> ，让 \u003C\u002Fstrong>您跟随聪明资金的步伐。\u003C\u002Fli>\n\n\n\n\u003Cli>\u003Cstrong>\u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fregister?ref=tikrblog\">分析股票只需 5 分钟\u003C\u002Fa>\u003C\u002Fstrong>使用 TIKR 的一体化易用平台。\u003C\u002Fli>\n\n\n\n\u003Cli>推倒的石头越多......您发现的机会就越多。\u003Cstrong>\u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fregister?ref=tikrblog\">使用 TIKR 搜索 100K+ 全球股票、全球顶级投资者持有的股票等。\u003C\u002Fa>\u003C\u002Fstrong>\u003C\u002Fli>\n\u003C\u002Ful>\n\n\n\n\u003Ch2 class=\"wp-block-heading\" id=\"h-disclaimer\">\u003Cstrong>免责声明：\u003C\u002Fstrong>\u003C\u002Fh2>\n\n\n\n\u003Cp>\u003Cem>请注意，TIKR 上的文章无意作为 TIKR 或我们内容团队的投资或财务建议，也不是买卖任何股票的建议。我们的内容基于 TIKR 终端的投资数据和分析师的估计。我们的分析可能不包括最近的公司新闻或重要更新。\u003C\u002Fem>\u003Cem>TIKR 不持有所提及的任何股票。\u003C\u002Fem>\u003Cem>感谢您的阅读，祝您投资愉快！\u003C\u002Fem>\u003C\u002Fp>\n\n\n\n\u003Cp>\u003C\u002Fp>\n",949,"zh","\u002Fblog\u002F10-bank-stocks-with-strong-deposit-pricing-power-in-2025","10-bank-stocks-with-strong-deposit-pricing-power-in-2025","images\u002FNEW-FEATURED-IMAGE-MAKER-9-1_6356921e31\u002FNEW-FEATURED-IMAGE-MAKER-9-1_6356921e31","https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Ff_webp,q_auto\u002Fv1757267503\u002Fimages\u002FNEW-FEATURED-IMAGE-MAKER-9-1_6356921e31\u002FNEW-FEATURED-IMAGE-MAKER-9-1_6356921e31.?_i=AA",{"altText":153,"imageCredit":165},"@pexels from Canva",{"name":167,"slug":168,"role":169,"roleTitle":170,"biography":170,"avatar":170,"socialMediaLinks":171},"Cate Ciplak","catetikr","author","",[],{"name":173,"slug":174,"role":175,"roleTitle":170,"biography":170,"avatar":170,"socialMediaLinks":176},"Thomas Richmond","thomastikr","editor",[],[178],{"name":179,"slug":180,"uri":181,"description":170,"postsCount":182},"Stock Reviews","reviews","\u002Fblog\u002Fcategory\u002Freviews",0,[],{"title":153,"metaDesc":185,"opengraphDescription":185,"twitterTitle":153,"twitterDescription":185},"以下是 2025 年存款定价能力最强的 10 家银行。这些金融机构的定位是在美联储降息时保护利润并保持增长。",{"title":153,"description":185,"twitterTitle":153,"twitterDescription":185,"author":167,"articlePublisher":187,"articlePublishedTime":154,"articleModifiedTime":155,"twitterLabel1":188,"twitterData1":189,"ogTitle":153,"ogDescription":185,"ogUrl":160,"ogImage":163,"ogImageWidth":190,"ogImageHeight":191,"ogImageSecureUrl":163,"ogImageAlt":153,"twitterImage":163},"TIKR.com","预计阅读时间","2 minutes",1200,630,[],[]]