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Affinity Bancshares, Inc.（AFBI）与FLAGSTAR BANK, NATIONAL ASSOCIATION（FLG）财务数据对比。点击上方公司名可切换其他公司
FLAGSTAR BANK, NATIONAL ASSOCIATION的季度营收约是Affinity Bancshares, Inc.的60.3倍（$498.0M vs $8.3M）。Affinity Bancshares, Inc.净利率更高（25.8% vs 4.2%，领先21.6%）。Affinity Bancshares, Inc.同比增速更快（11.0% vs 1.6%）。过去两年Affinity Bancshares, Inc.的营收复合增速更高（10.6% vs -10.7%）
Flagstar银行是原总部位于美国密歇根州特洛伊的商业银行，成立于1987年，主营零售及商业银行业务、抵押贷款发放及各类金融服务。其控股公司于2022年12月被纽约社区银行收购，后者后将全部门店统一为Flagstar品牌，2024年更名为Flagstar Financial，2025年启动企业重组。
AFBI vs FLG — 直观对比
营收规模更大
FLG
是对方的60.3倍
$8.3M
营收增速更快
AFBI
高出9.4%
1.6%
净利率更高
AFBI
高出21.6%
4.2%
两年增速更快
AFBI
近两年复合增速
-10.7%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $8.3M | $498.0M |
| 净利润 | $2.1M | $21.0M |
| 毛利率 | — | — |
| 营业利润率 | 37.3% | — |
| 净利率 | 25.8% | 4.2% |
| 营收同比 | 11.0% | 1.6% |
| 净利润同比 | 58.5% | -27.6% |
| 每股收益（稀释后） | $0.34 | $0.03 |
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AFBIFLG
| Q1 26 | — | $498.0M | ||
| Q4 25 | $8.3M | $2.1B | ||
| Q3 25 | $7.8M | $425.0M | ||
| Q2 25 | $7.8M | $419.0M | ||
| Q1 25 | $7.3M | — | ||
| Q4 24 | $7.4M | $461.0M | ||
| Q3 24 | $7.4M | $510.0M | ||
| Q2 24 | $7.6M | $557.0M |
净利润AFBIFLG
| Q1 26 | — | $21.0M | ||
| Q4 25 | $2.1M | $29.0M | ||
| Q3 25 | $2.2M | $-36.0M | ||
| Q2 25 | $2.2M | $-70.0M | ||
| Q1 25 | $1.8M | — | ||
| Q4 24 | $1.3M | $-188.0M | ||
| Q3 24 | $1.7M | $-280.0M | ||
| Q2 24 | $1.0M | $-323.0M |
营业利润率AFBIFLG
| Q1 26 | — | — | ||
| Q4 25 | 37.3% | — | ||
| Q3 25 | 37.5% | -9.6% | ||
| Q2 25 | 36.4% | -19.3% | ||
| Q1 25 | 32.8% | — | ||
| Q4 24 | 21.5% | -51.6% | ||
| Q3 24 | 30.7% | -65.7% | ||
| Q2 24 | 17.7% | -76.1% |
净利率AFBIFLG
| Q1 26 | — | 4.2% | ||
| Q4 25 | 25.8% | 1.4% | ||
| Q3 25 | 28.5% | -8.5% | ||
| Q2 25 | 27.7% | -16.7% | ||
| Q1 25 | 25.0% | — | ||
| Q4 24 | 18.1% | -40.8% | ||
| Q3 24 | 23.3% | -54.9% | ||
| Q2 24 | 13.6% | -58.0% |
每股收益（稀释后）AFBIFLG
| Q1 26 | — | $0.03 | ||
| Q4 25 | $0.34 | $0.05 | ||
| Q3 25 | $0.34 | $-0.11 | ||
| Q2 25 | $0.33 | $-0.19 | ||
| Q1 25 | $0.28 | — | ||
| Q4 24 | $0.21 | $-1.11 | ||
| Q3 24 | $0.26 | $-0.79 | ||
| Q2 24 | $0.16 | $-1.14 |
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 | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $127.0M | $8.1B |
| 总资产 | $881.7M | $87.1B |
| 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AFBIFLG
| Q1 26 | — | — | ||
| Q4 25 | $53.9M | — | ||
| Q3 25 | $84.8M | $23.6B | ||
| Q2 25 | $89.7M | $22.9B | ||
| Q1 25 | $74.7M | — | ||
| Q4 24 | $41.4M | $25.8B | ||
| Q3 24 | $52.3M | $33.6B | ||
| Q2 24 | $50.4M | $29.5B |
总债务AFBIFLG
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $13.2B | ||
| Q2 25 | — | $13.2B | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $14.4B | ||
| Q3 24 | — | $20.3B | ||
| Q2 24 | — | $28.9B |
股东权益AFBIFLG
| Q1 26 | — | $8.1B | ||
| Q4 25 | $127.0M | $8.1M | ||
| Q3 25 | $125.4M | $8.1B | ||
| Q2 25 | $124.1M | $8.1B | ||
| Q1 25 | $122.3M | — | ||
| Q4 24 | $129.1M | $8.2B | ||
| Q3 24 | $128.4M | $8.6B | ||
| Q2 24 | $125.1M | $8.4B |
总资产AFBIFLG
| Q1 26 | — | $87.1B | ||
| Q4 25 | $881.7M | $87.5M | ||
| Q3 25 | $925.2M | $91.7B | ||
| Q2 25 | $933.8M | $92.2B | ||
| Q1 25 | $912.5M | — | ||
| Q4 24 | $866.8M | $100.2B | ||
| Q3 24 | $878.6M | $114.4B | ||
| Q2 24 | $873.6M | $119.1B |
负债/权益比AFBIFLG
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 1.63× | ||
| Q2 25 | — | 1.63× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.77× | ||
| Q3 24 | — | 2.37× | ||
| Q2 24 | — | 3.44× |
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 | — |
| 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AFBIFLG
| Q1 26 | — | — | ||
| Q4 25 | $2.3M | — | ||
| Q3 25 | $3.7M | $243.0M | ||
| Q2 25 | $3.8M | — | ||
| Q1 25 | $1.9M | — | ||
| Q4 24 | $865.0K | $623.0M | ||
| Q3 24 | $4.1M | $-1.0B | ||
| Q2 24 | $619.0K | $796.0M |
自由现金流AFBIFLG
| Q1 26 | — | — | ||
| 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 | — |
自由现金流率AFBIFLG
| Q1 26 | — | — | ||
| 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% | — |
资本支出强度AFBIFLG
| Q1 26 | — | — | ||
| 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% | — |
现金转化率AFBIFLG
| Q1 26 | — | — | ||
| 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× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
