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Affinity Bancshares, Inc.（AFBI）与Bogota Financial Corp.（BSBK）财务数据对比。点击上方公司名可切换其他公司
Affinity Bancshares, Inc.的季度营收约是Bogota Financial Corp.的1.9倍（$8.3M vs $4.3M）。Affinity Bancshares, Inc.净利率更高（25.8% vs 15.9%，领先10.0%）。Bogota Financial Corp.同比增速更快（71.6% vs 11.0%）。Affinity Bancshares, Inc.自由现金流更多（$2.2M vs $988.0K）。过去两年Bogota Financial Corp.的营收复合增速更高（27.2% vs 10.6%）
波哥大金融公司是总部位于美国新泽西州的银行控股企业，旗下运营波哥大储蓄银行，为新泽西州及周边区域的零售客户和小微企业提供存款账户、住房抵押贷款、消费贷款、商业融资等全方位银行服务。
AFBI vs BSBK — 直观对比
营收规模更大
AFBI
是对方的1.9倍
$4.3M
营收增速更快
BSBK
高出60.6%
11.0%
净利率更高
AFBI
高出10.0%
15.9%
自由现金流更多
AFBI
多$1.2M
$988.0K
两年增速更快
BSBK
近两年复合增速
10.6%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $8.3M | $4.3M |
| 净利润 | $2.1M | $680.8K |
| 毛利率 | — | — |
| 营业利润率 | 37.3% | 15.6% |
| 净利率 | 25.8% | 15.9% |
| 营收同比 | 11.0% | 71.6% |
| 净利润同比 | 58.5% | 173.2% |
| 每股收益（稀释后） | $0.34 | $0.05 |
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AFBIBSBK
| Q4 25 | $8.3M | $4.3M | ||
| Q3 25 | $7.8M | $3.9M | ||
| Q2 25 | $7.8M | $3.7M | ||
| Q1 25 | $7.3M | $3.6M | ||
| Q4 24 | $7.4M | $2.5M | ||
| Q3 24 | $7.4M | $2.7M | ||
| Q2 24 | $7.6M | $2.7M | ||
| Q1 24 | $6.7M | $2.7M |
净利润AFBIBSBK
| Q4 25 | $2.1M | $680.8K | ||
| Q3 25 | $2.2M | $454.6K | ||
| Q2 25 | $2.2M | $224.4K | ||
| Q1 25 | $1.8M | $730.9K | ||
| Q4 24 | $1.3M | $-930.0K | ||
| Q3 24 | $1.7M | $-367.0K | ||
| Q2 24 | $1.0M | $-432.5K | ||
| Q1 24 | $1.3M | $-441.0K |
营业利润率AFBIBSBK
| Q4 25 | 37.3% | 15.6% | ||
| Q3 25 | 37.5% | 13.5% | ||
| Q2 25 | 36.4% | 4.7% | ||
| Q1 25 | 32.8% | 19.6% | ||
| Q4 24 | 21.5% | -19.2% | ||
| Q3 24 | 30.7% | -23.3% | ||
| Q2 24 | 17.7% | -26.0% | ||
| Q1 24 | 26.1% | -27.5% |
净利率AFBIBSBK
| Q4 25 | 25.8% | 15.9% | ||
| Q3 25 | 28.5% | 11.7% | ||
| Q2 25 | 27.7% | 6.1% | ||
| Q1 25 | 25.0% | 20.3% | ||
| Q4 24 | 18.1% | -37.2% | ||
| Q3 24 | 23.3% | -13.8% | ||
| Q2 24 | 13.6% | -15.8% | ||
| Q1 24 | 19.8% | -16.6% |
每股收益（稀释后）AFBIBSBK
| Q4 25 | $0.34 | $0.05 | ||
| Q3 25 | $0.34 | $0.04 | ||
| Q2 25 | $0.33 | $0.02 | ||
| Q1 25 | $0.28 | $0.06 | ||
| Q4 24 | $0.21 | $-0.08 | ||
| Q3 24 | $0.26 | $-0.03 | ||
| Q2 24 | $0.16 | $-0.03 | ||
| Q1 24 | $0.20 | $-0.03 |
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 | $35.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $127.0M | $140.9M |
| 总资产 | $881.7M | $904.9M |
| 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AFBIBSBK
| Q4 25 | $53.9M | $35.6M | ||
| Q3 25 | $84.8M | $31.2M | ||
| Q2 25 | $89.7M | $20.3M | ||
| Q1 25 | $74.7M | $25.6M | ||
| Q4 24 | $41.4M | $52.2M | ||
| Q3 24 | $52.3M | $21.0M | ||
| Q2 24 | $50.4M | $17.6M | ||
| Q1 24 | $61.4M | $14.4M |
股东权益AFBIBSBK
| Q4 25 | $127.0M | $140.9M | ||
| Q3 25 | $125.4M | $140.7M | ||
| Q2 25 | $124.1M | $138.4M | ||
| Q1 25 | $122.3M | $138.3M | ||
| Q4 24 | $129.1M | $137.3M | ||
| Q3 24 | $128.4M | $136.9M | ||
| Q2 24 | $125.1M | $136.3M | ||
| Q1 24 | $123.3M | $136.4M |
总资产AFBIBSBK
| Q4 25 | $881.7M | $904.9M | ||
| Q3 25 | $925.2M | $925.8M | ||
| Q2 25 | $933.8M | $921.8M | ||
| Q1 25 | $912.5M | $930.2M | ||
| Q4 24 | $866.8M | $971.5M | ||
| Q3 24 | $878.6M | $978.9M | ||
| Q2 24 | $873.6M | $974.7M | ||
| Q1 24 | $869.5M | $960.9M |
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 | $1.0M |
| 自由现金流经营现金流 - 资本支出 | $2.2M | $988.0K |
| 自由现金流率自由现金流/营收 | 26.3% | 23.0% |
| 资本支出强度资本支出/营收 | 1.1% | 0.4% |
| 现金转化率经营现金流/净利润 | 1.06× | 1.48× |
| 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AFBIBSBK
| Q4 25 | $2.3M | $1.0M | ||
| Q3 25 | $3.7M | $292.5K | ||
| Q2 25 | $3.8M | $1.9M | ||
| Q1 25 | $1.9M | $-16.0K | ||
| Q4 24 | $865.0K | $-1.0M | ||
| Q3 24 | $4.1M | $-287.9K | ||
| Q2 24 | $619.0K | $1.7M | ||
| Q1 24 | $1.2M | $-2.9M |
自由现金流AFBIBSBK
| Q4 25 | $2.2M | $988.0K | ||
| Q3 25 | $3.6M | $277.1K | ||
| Q2 25 | $3.7M | — | ||
| Q1 25 | $1.8M | $-52.2K | ||
| Q4 24 | $842.0K | $-1.1M | ||
| Q3 24 | $4.0M | $-330.9K | ||
| Q2 24 | $489.0K | $1.4M | ||
| Q1 24 | $1.1M | $-3.1M |
自由现金流率AFBIBSBK
| Q4 25 | 26.3% | 23.0% | ||
| Q3 25 | 46.6% | 7.1% | ||
| Q2 25 | 47.1% | — | ||
| Q1 25 | 24.2% | -1.5% | ||
| Q4 24 | 11.3% | -43.8% | ||
| Q3 24 | 53.3% | -12.5% | ||
| Q2 24 | 6.5% | 51.6% | ||
| Q1 24 | 16.1% | -118.7% |
资本支出强度AFBIBSBK
| Q4 25 | 1.1% | 0.4% | ||
| Q3 25 | 0.9% | 0.4% | ||
| Q2 25 | 1.5% | 0.0% | ||
| Q1 25 | 2.0% | 1.0% | ||
| Q4 24 | 0.3% | 2.1% | ||
| Q3 24 | 1.8% | 1.6% | ||
| Q2 24 | 1.7% | 8.5% | ||
| Q1 24 | 2.0% | 10.0% |
现金转化率AFBIBSBK
| Q4 25 | 1.06× | 1.48× | ||
| Q3 25 | 1.66× | 0.64× | ||
| Q2 25 | 1.75× | 8.56× | ||
| Q1 25 | 1.05× | -0.02× | ||
| 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
