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Affinity Bancshares, Inc.（AFBI）与ECB Bancorp, Inc.（ECBK）财务数据对比。点击上方公司名可切换其他公司
ECB Bancorp, Inc.的季度营收约是Affinity Bancshares, Inc.的1.1倍（$9.2M vs $8.3M）。ECB Bancorp, Inc.净利率更高（28.4% vs 25.8%，领先2.5%）。ECB Bancorp, Inc.同比增速更快（35.0% vs 11.0%）。ECB Bancorp, Inc.自由现金流更多（$3.9M vs $2.2M）。过去两年ECB Bancorp, Inc.的营收复合增速更高（24.5% vs 10.6%）
ECB Bancorp（马里兰州）是一家美国银行控股公司，主要面向马里兰州本地市场的个人客户和中小型企业提供存款账户、消费贷款、商业融资、财富管理等各类零售及商业银行业务。
AFBI vs ECBK — 直观对比
营收规模更大
ECBK
是对方的1.1倍
$8.3M
营收增速更快
ECBK
高出24.0%
11.0%
净利率更高
ECBK
高出2.5%
25.8%
自由现金流更多
ECBK
多$1.7M
$2.2M
两年增速更快
ECBK
近两年复合增速
10.6%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $8.3M | $9.2M |
| 净利润 | $2.1M | $2.6M |
| 毛利率 | — | — |
| 营业利润率 | 37.3% | 38.1% |
| 净利率 | 25.8% | 28.4% |
| 营收同比 | 11.0% | 35.0% |
| 净利润同比 | 58.5% | 79.5% |
| 每股收益（稀释后） | $0.34 | $0.32 |
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AFBIECBK
| Q4 25 | $8.3M | $9.2M | ||
| Q3 25 | $7.8M | $8.5M | ||
| Q2 25 | $7.8M | $7.7M | ||
| Q1 25 | $7.3M | $6.6M | ||
| Q4 24 | $7.4M | $6.8M | ||
| Q3 24 | $7.4M | $6.3M | ||
| Q2 24 | $7.6M | $6.0M | ||
| Q1 24 | $6.7M | $5.9M |
净利润AFBIECBK
| Q4 25 | $2.1M | $2.6M | ||
| Q3 25 | $2.2M | $2.4M | ||
| Q2 25 | $2.2M | $1.4M | ||
| Q1 25 | $1.8M | $1.3M | ||
| Q4 24 | $1.3M | $1.4M | ||
| Q3 24 | $1.7M | $1.1M | ||
| Q2 24 | $1.0M | $791.0K | ||
| Q1 24 | $1.3M | $621.0K |
营业利润率AFBIECBK
| Q4 25 | 37.3% | 38.1% | ||
| Q3 25 | 37.5% | 38.5% | ||
| Q2 25 | 36.4% | 25.0% | ||
| Q1 25 | 32.8% | 25.9% | ||
| Q4 24 | 21.5% | 28.6% | ||
| Q3 24 | 30.7% | 24.4% | ||
| Q2 24 | 17.7% | 17.7% | ||
| Q1 24 | 26.1% | 14.1% |
净利率AFBIECBK
| Q4 25 | 25.8% | 28.4% | ||
| Q3 25 | 28.5% | 28.8% | ||
| Q2 25 | 27.7% | 18.8% | ||
| Q1 25 | 25.0% | 19.5% | ||
| Q4 24 | 18.1% | 21.3% | ||
| Q3 24 | 23.3% | 18.0% | ||
| Q2 24 | 13.6% | 13.2% | ||
| Q1 24 | 19.8% | 10.5% |
每股收益（稀释后）AFBIECBK
| Q4 25 | $0.34 | $0.32 | ||
| Q3 25 | $0.34 | $0.29 | ||
| Q2 25 | $0.33 | $0.17 | ||
| Q1 25 | $0.28 | $0.16 | ||
| Q4 24 | $0.21 | $0.18 | ||
| Q3 24 | $0.26 | $0.14 | ||
| Q2 24 | $0.16 | $0.09 | ||
| Q1 24 | $0.20 | $0.07 |
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 | $82.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $127.0M | $171.9M |
| 总资产 | $881.7M | $1.6B |
| 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AFBIECBK
| Q4 25 | $53.9M | $82.8M | ||
| Q3 25 | $84.8M | $201.9M | ||
| Q2 25 | $89.7M | $191.0M | ||
| Q1 25 | $74.7M | $143.7M | ||
| Q4 24 | $41.4M | $309.4M | ||
| Q3 24 | $52.3M | $114.8M | ||
| Q2 24 | $50.4M | $108.7M | ||
| Q1 24 | $61.4M | $109.8M |
股东权益AFBIECBK
| Q4 25 | $127.0M | $171.9M | ||
| Q3 25 | $125.4M | $169.3M | ||
| Q2 25 | $124.1M | $168.3M | ||
| Q1 25 | $122.3M | $168.6M | ||
| Q4 24 | $129.1M | $168.3M | ||
| Q3 24 | $128.4M | $166.0M | ||
| Q2 24 | $125.1M | $166.5M | ||
| Q1 24 | $123.3M | $165.8M |
总资产AFBIECBK
| Q4 25 | $881.7M | $1.6B | ||
| Q3 25 | $925.2M | $1.6B | ||
| Q2 25 | $933.8M | $1.5B | ||
| Q1 25 | $912.5M | $1.5B | ||
| Q4 24 | $866.8M | $1.4B | ||
| Q3 24 | $878.6M | $1.4B | ||
| Q2 24 | $873.6M | $1.3B | ||
| Q1 24 | $869.5M | $1.3B |
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 | $3.9M |
| 自由现金流经营现金流 - 资本支出 | $2.2M | $3.9M |
| 自由现金流率自由现金流/营收 | 26.3% | 42.1% |
| 资本支出强度资本支出/营收 | 1.1% | 0.8% |
| 现金转化率经营现金流/净利润 | 1.06× | 1.51× |
| 过去12个月自由现金流最近4个季度 | $11.2M | $9.0M |
8季度趋势，按日历期对齐
经营现金流AFBIECBK
| Q4 25 | $2.3M | $3.9M | ||
| Q3 25 | $3.7M | $4.0M | ||
| Q2 25 | $3.8M | $1.9M | ||
| Q1 25 | $1.9M | $-631.0K | ||
| Q4 24 | $865.0K | $4.4M | ||
| Q3 24 | $4.1M | $861.0K | ||
| Q2 24 | $619.0K | $1.4M | ||
| Q1 24 | $1.2M | $-429.0K |
自由现金流AFBIECBK
| Q4 25 | $2.2M | $3.9M | ||
| Q3 25 | $3.6M | $4.0M | ||
| Q2 25 | $3.7M | $1.8M | ||
| Q1 25 | $1.8M | $-649.0K | ||
| Q4 24 | $842.0K | — | ||
| Q3 24 | $4.0M | — | ||
| Q2 24 | $489.0K | $1.3M | ||
| Q1 24 | $1.1M | $-449.0K |
自由现金流率AFBIECBK
| Q4 25 | 26.3% | 42.1% | ||
| Q3 25 | 46.6% | 46.8% | ||
| Q2 25 | 47.1% | 24.1% | ||
| Q1 25 | 24.2% | -9.8% | ||
| Q4 24 | 11.3% | — | ||
| Q3 24 | 53.3% | — | ||
| Q2 24 | 6.5% | 22.4% | ||
| Q1 24 | 16.1% | -7.6% |
资本支出强度AFBIECBK
| Q4 25 | 1.1% | 0.8% | ||
| Q3 25 | 0.9% | 0.8% | ||
| Q2 25 | 1.5% | 0.7% | ||
| Q1 25 | 2.0% | 0.3% | ||
| Q4 24 | 0.3% | 0.0% | ||
| Q3 24 | 1.8% | 0.0% | ||
| Q2 24 | 1.7% | 0.7% | ||
| Q1 24 | 2.0% | 0.3% |
现金转化率AFBIECBK
| Q4 25 | 1.06× | 1.51× | ||
| Q3 25 | 1.66× | 1.65× | ||
| Q2 25 | 1.75× | 1.32× | ||
| Q1 25 | 1.05× | -0.49× | ||
| Q4 24 | 0.64× | 3.05× | ||
| Q3 24 | 2.36× | 0.76× | ||
| Q2 24 | 0.60× | 1.75× | ||
| Q1 24 | 0.91× | -0.69× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
