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Affinity Bancshares, Inc.（AFBI）与Avidia Bancorp, Inc.（AVBC）财务数据对比。点击上方公司名可切换其他公司
Avidia Bancorp, Inc.的季度营收约是Affinity Bancshares, Inc.的2.8倍（$23.3M vs $8.3M）。Affinity Bancshares, Inc.净利率更高（25.8% vs 22.9%，领先2.9%）。Avidia Bancorp, Inc.自由现金流更多（$8.0M vs $2.2M）
Avidia银行是一家美国互助型社区银行，总部位于马萨诸塞州哈德逊市，于2007年由哈德逊储蓄银行与韦斯特伯勒银行合并成立，主要为当地社区提供各类金融服务。
AFBI vs AVBC — 直观对比
营收规模更大
AVBC
是对方的2.8倍
$8.3M
净利率更高
AFBI
高出2.9%
22.9%
自由现金流更多
AVBC
多$5.8M
$2.2M
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $8.3M | $23.3M |
| 净利润 | $2.1M | $5.3M |
| 毛利率 | — | — |
| 营业利润率 | 37.3% | 33.3% |
| 净利率 | 25.8% | 22.9% |
| 营收同比 | 11.0% | — |
| 净利润同比 | 58.5% | — |
| 每股收益（稀释后） | $0.34 | — |
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AFBIAVBC
| Q4 25 | $8.3M | $23.3M | ||
| Q3 25 | $7.8M | $23.4M | ||
| Q2 25 | $7.8M | $20.6M | ||
| Q1 25 | $7.3M | $19.2M | ||
| Q4 24 | $7.4M | — | ||
| Q3 24 | $7.4M | — | ||
| Q2 24 | $7.6M | — | ||
| Q1 24 | $6.7M | — |
净利润AFBIAVBC
| Q4 25 | $2.1M | $5.3M | ||
| Q3 25 | $2.2M | $-907.0K | ||
| Q2 25 | $2.2M | $3.9M | ||
| Q1 25 | $1.8M | $-11.6M | ||
| Q4 24 | $1.3M | — | ||
| Q3 24 | $1.7M | — | ||
| Q2 24 | $1.0M | — | ||
| Q1 24 | $1.3M | — |
营业利润率AFBIAVBC
| Q4 25 | 37.3% | 33.3% | ||
| Q3 25 | 37.5% | -8.3% | ||
| Q2 25 | 36.4% | 24.4% | ||
| Q1 25 | 32.8% | -85.9% | ||
| Q4 24 | 21.5% | — | ||
| Q3 24 | 30.7% | — | ||
| Q2 24 | 17.7% | — | ||
| Q1 24 | 26.1% | — |
净利率AFBIAVBC
| Q4 25 | 25.8% | 22.9% | ||
| Q3 25 | 28.5% | -3.9% | ||
| Q2 25 | 27.7% | 18.8% | ||
| Q1 25 | 25.0% | -60.3% | ||
| Q4 24 | 18.1% | — | ||
| Q3 24 | 23.3% | — | ||
| Q2 24 | 13.6% | — | ||
| Q1 24 | 19.8% | — |
每股收益（稀释后）AFBIAVBC
| Q4 25 | $0.34 | — | ||
| Q3 25 | $0.34 | $-0.05 | ||
| Q2 25 | $0.33 | — | ||
| Q1 25 | $0.28 | — | ||
| Q4 24 | $0.21 | — | ||
| Q3 24 | $0.26 | — | ||
| Q2 24 | $0.16 | — | ||
| Q1 24 | $0.20 | — |
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 | $53.9M | $275.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $127.0M | $379.0M |
| 总资产 | $881.7M | $2.8B |
| 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AFBIAVBC
| Q4 25 | $53.9M | $275.0M | ||
| Q3 25 | $84.8M | $208.3M | ||
| Q2 25 | $89.7M | $592.5M | ||
| Q1 25 | $74.7M | — | ||
| Q4 24 | $41.4M | — | ||
| Q3 24 | $52.3M | — | ||
| Q2 24 | $50.4M | — | ||
| Q1 24 | $61.4M | — |
股东权益AFBIAVBC
| Q4 25 | $127.0M | $379.0M | ||
| Q3 25 | $125.4M | $372.0M | ||
| Q2 25 | $124.1M | $191.4M | ||
| Q1 25 | $122.3M | $186.1M | ||
| Q4 24 | $129.1M | — | ||
| Q3 24 | $128.4M | — | ||
| Q2 24 | $125.1M | — | ||
| Q1 24 | $123.3M | — |
总资产AFBIAVBC
| Q4 25 | $881.7M | $2.8B | ||
| Q3 25 | $925.2M | $2.8B | ||
| Q2 25 | $933.8M | $3.0B | ||
| Q1 25 | $912.5M | $2.7B | ||
| Q4 24 | $866.8M | — | ||
| Q3 24 | $878.6M | — | ||
| Q2 24 | $873.6M | — | ||
| Q1 24 | $869.5M | — |
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 | $2.3M | $8.8M |
| 自由现金流经营现金流 - 资本支出 | $2.2M | $8.0M |
| 自由现金流率自由现金流/营收 | 26.3% | 34.4% |
| 资本支出强度资本支出/营收 | 1.1% | 3.4% |
| 现金转化率经营现金流/净利润 | 1.06× | 1.65× |
| 过去12个月自由现金流最近4个季度 | $11.2M | $24.1M |
8季度趋势，按日历期对齐
经营现金流AFBIAVBC
| Q4 25 | $2.3M | $8.8M | ||
| Q3 25 | $3.7M | $24.1M | ||
| Q2 25 | $3.8M | $-2.3M | ||
| Q1 25 | $1.9M | $-2.2M | ||
| Q4 24 | $865.0K | — | ||
| Q3 24 | $4.1M | — | ||
| Q2 24 | $619.0K | — | ||
| Q1 24 | $1.2M | — |
自由现金流AFBIAVBC
| Q4 25 | $2.2M | $8.0M | ||
| Q3 25 | $3.6M | $23.3M | ||
| Q2 25 | $3.7M | $-3.3M | ||
| Q1 25 | $1.8M | $-3.9M | ||
| Q4 24 | $842.0K | — | ||
| Q3 24 | $4.0M | — | ||
| Q2 24 | $489.0K | — | ||
| Q1 24 | $1.1M | — |
自由现金流率AFBIAVBC
| Q4 25 | 26.3% | 34.4% | ||
| Q3 25 | 46.6% | 99.2% | ||
| Q2 25 | 47.1% | -16.0% | ||
| Q1 25 | 24.2% | -20.2% | ||
| Q4 24 | 11.3% | — | ||
| Q3 24 | 53.3% | — | ||
| Q2 24 | 6.5% | — | ||
| Q1 24 | 16.1% | — |
资本支出强度AFBIAVBC
| Q4 25 | 1.1% | 3.4% | ||
| Q3 25 | 0.9% | 3.7% | ||
| Q2 25 | 1.5% | 4.7% | ||
| Q1 25 | 2.0% | 8.6% | ||
| Q4 24 | 0.3% | — | ||
| Q3 24 | 1.8% | — | ||
| Q2 24 | 1.7% | — | ||
| Q1 24 | 2.0% | — |
现金转化率AFBIAVBC
| Q4 25 | 1.06× | 1.65× | ||
| Q3 25 | 1.66× | — | ||
| Q2 25 | 1.75× | -0.60× | ||
| Q1 25 | 1.05× | — | ||
| Q4 24 | 0.64× | — | ||
| Q3 24 | 2.36× | — | ||
| Q2 24 | 0.60× | — | ||
| Q1 24 | 0.91× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
