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Affinity Bancshares, Inc.（AFBI）与Blue Foundry Bancorp（BLFY）财务数据对比。点击上方公司名可切换其他公司
Blue Foundry Bancorp的季度营收约是Affinity Bancshares, Inc.的1.6倍（$12.8M vs $8.3M）。Affinity Bancshares, Inc.净利率更高（25.8% vs -27.4%，领先53.2%）。Blue Foundry Bancorp同比增速更快（35.2% vs 11.0%）。过去两年Blue Foundry Bancorp的营收复合增速更高（16.6% vs 10.6%）
Blue Foundry Bancorp是总部位于美国新泽西州的区域银行控股公司，主要面向当地个人消费者与中小企业，提供存款账户、消费贷款、住房按揭、商业融资等全方位的个人及商业银行服务。
AFBI vs BLFY — 直观对比
营收规模更大
BLFY
是对方的1.6倍
$8.3M
营收增速更快
BLFY
高出24.2%
11.0%
净利率更高
AFBI
高出53.2%
-27.4%
两年增速更快
BLFY
近两年复合增速
10.6%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $8.3M | $12.8M |
| 净利润 | $2.1M | $-3.5M |
| 毛利率 | — | — |
| 营业利润率 | 37.3% | — |
| 净利率 | 25.8% | -27.4% |
| 营收同比 | 11.0% | 35.2% |
| 净利润同比 | 58.5% | -30.6% |
| 每股收益（稀释后） | $0.34 | $-0.18 |
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AFBIBLFY
| Q4 25 | $8.3M | $12.8M | ||
| Q3 25 | $7.8M | $12.2M | ||
| Q2 25 | $7.8M | $11.6M | ||
| Q1 25 | $7.3M | $10.7M | ||
| Q4 24 | $7.4M | $9.5M | ||
| Q3 24 | $7.4M | $9.1M | ||
| Q2 24 | $7.6M | $9.6M | ||
| Q1 24 | $6.7M | $9.4M |
净利润AFBIBLFY
| Q4 25 | $2.1M | $-3.5M | ||
| Q3 25 | $2.2M | $-1.9M | ||
| Q2 25 | $2.2M | $-2.0M | ||
| Q1 25 | $1.8M | $-2.7M | ||
| Q4 24 | $1.3M | $-2.7M | ||
| Q3 24 | $1.7M | $-4.0M | ||
| Q2 24 | $1.0M | $-2.3M | ||
| Q1 24 | $1.3M | $-2.8M |
营业利润率AFBIBLFY
| Q4 25 | 37.3% | — | ||
| Q3 25 | 37.5% | — | ||
| Q2 25 | 36.4% | — | ||
| Q1 25 | 32.8% | — | ||
| Q4 24 | 21.5% | — | ||
| Q3 24 | 30.7% | — | ||
| Q2 24 | 17.7% | — | ||
| Q1 24 | 26.1% | — |
净利率AFBIBLFY
| Q4 25 | 25.8% | -27.4% | ||
| Q3 25 | 28.5% | -15.3% | ||
| Q2 25 | 27.7% | -16.8% | ||
| Q1 25 | 25.0% | -25.1% | ||
| Q4 24 | 18.1% | -28.4% | ||
| Q3 24 | 23.3% | -44.5% | ||
| Q2 24 | 13.6% | -24.5% | ||
| Q1 24 | 19.8% | -30.1% |
每股收益（稀释后）AFBIBLFY
| Q4 25 | $0.34 | $-0.18 | ||
| Q3 25 | $0.34 | $-0.10 | ||
| Q2 25 | $0.33 | $-0.10 | ||
| Q1 25 | $0.28 | $-0.13 | ||
| Q4 24 | $0.21 | $-0.12 | ||
| Q3 24 | $0.26 | $-0.19 | ||
| Q2 24 | $0.16 | $-0.11 | ||
| Q1 24 | $0.20 | $-0.13 |
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 | $53.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $127.0M | $312.7M |
| 总资产 | $881.7M | $2.2B |
| 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AFBIBLFY
| Q4 25 | $53.9M | $53.1M | ||
| Q3 25 | $84.8M | $44.1M | ||
| Q2 25 | $89.7M | $41.9M | ||
| Q1 25 | $74.7M | $46.2M | ||
| Q4 24 | $41.4M | $42.5M | ||
| Q3 24 | $52.3M | $76.1M | ||
| Q2 24 | $50.4M | $60.3M | ||
| Q1 24 | $61.4M | $53.8M |
股东权益AFBIBLFY
| Q4 25 | $127.0M | $312.7M | ||
| Q3 25 | $125.4M | $314.4M | ||
| Q2 25 | $124.1M | $321.3M | ||
| Q1 25 | $122.3M | $326.7M | ||
| Q4 24 | $129.1M | $332.2M | ||
| Q3 24 | $128.4M | $339.3M | ||
| Q2 24 | $125.1M | $345.6M | ||
| Q1 24 | $123.3M | $350.2M |
总资产AFBIBLFY
| Q4 25 | $881.7M | $2.2B | ||
| Q3 25 | $925.2M | $2.2B | ||
| Q2 25 | $933.8M | $2.1B | ||
| Q1 25 | $912.5M | $2.1B | ||
| Q4 24 | $866.8M | $2.1B | ||
| Q3 24 | $878.6M | $2.1B | ||
| Q2 24 | $873.6M | $2.0B | ||
| Q1 24 | $869.5M | $2.0B |
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 | $-6.0M |
| 自由现金流经营现金流 - 资本支出 | $2.2M | — |
| 自由现金流率自由现金流/营收 | 26.3% | — |
| 资本支出强度资本支出/营收 | 1.1% | — |
| 现金转化率经营现金流/净利润 | 1.06× | — |
| 过去12个月自由现金流最近4个季度 | $11.2M | — |
8季度趋势，按日历期对齐
经营现金流AFBIBLFY
| Q4 25 | $2.3M | $-6.0M | ||
| Q3 25 | $3.7M | $-255.0K | ||
| Q2 25 | $3.8M | $2.0M | ||
| Q1 25 | $1.9M | $-3.8M | ||
| Q4 24 | $865.0K | $-512.0K | ||
| Q3 24 | $4.1M | $-3.7M | ||
| Q2 24 | $619.0K | $14.1M | ||
| Q1 24 | $1.2M | $-4.9M |
自由现金流AFBIBLFY
| Q4 25 | $2.2M | — | ||
| Q3 25 | $3.6M | — | ||
| Q2 25 | $3.7M | — | ||
| Q1 25 | $1.8M | — | ||
| Q4 24 | $842.0K | — | ||
| Q3 24 | $4.0M | — | ||
| Q2 24 | $489.0K | — | ||
| Q1 24 | $1.1M | $-4.9M |
自由现金流率AFBIBLFY
| Q4 25 | 26.3% | — | ||
| Q3 25 | 46.6% | — | ||
| Q2 25 | 47.1% | — | ||
| Q1 25 | 24.2% | — | ||
| Q4 24 | 11.3% | — | ||
| Q3 24 | 53.3% | — | ||
| Q2 24 | 6.5% | — | ||
| Q1 24 | 16.1% | -51.7% |
资本支出强度AFBIBLFY
| Q4 25 | 1.1% | — | ||
| Q3 25 | 0.9% | — | ||
| Q2 25 | 1.5% | — | ||
| Q1 25 | 2.0% | — | ||
| Q4 24 | 0.3% | — | ||
| Q3 24 | 1.8% | — | ||
| Q2 24 | 1.7% | — | ||
| Q1 24 | 2.0% | 0.1% |
现金转化率AFBIBLFY
| Q4 25 | 1.06× | — | ||
| Q3 25 | 1.66× | — | ||
| Q2 25 | 1.75× | — | ||
| 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
