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Affinity Bancshares, Inc.（AFBI）与合众银行（HBCP）财务数据对比。点击上方公司名可切换其他公司
合众银行的季度营收约是Affinity Bancshares, Inc.的4.6倍（$38.2M vs $8.3M）。合众银行净利率更高（29.7% vs 25.8%，领先3.9%）。过去两年合众银行的营收复合增速更高（14.0% vs 10.6%）
该企业是总部位于美国明尼苏达州明尼阿波利斯、在特拉华州注册的跨国银行机构，截至2025年为美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的银行，主营银行、投资、抵押贷款等各类金融业务。
AFBI vs HBCP — 直观对比
营收规模更大
HBCP
是对方的4.6倍
$8.3M
净利率更高
HBCP
高出3.9%
25.8%
两年增速更快
HBCP
近两年复合增速
10.6%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $8.3M | $38.2M |
| 净利润 | $2.1M | $11.4M |
| 毛利率 | — | — |
| 营业利润率 | 37.3% | — |
| 净利率 | 25.8% | 29.7% |
| 营收同比 | 11.0% | — |
| 净利润同比 | 58.5% | -0.4% |
| 每股收益（稀释后） | $0.34 | $1.45 |
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AFBIHBCP
| Q1 26 | — | $38.2M | ||
| Q4 25 | $8.3M | $34.0M | ||
| Q3 25 | $7.8M | $34.1M | ||
| Q2 25 | $7.8M | $33.4M | ||
| Q1 25 | $7.3M | $31.7M | ||
| Q4 24 | $7.4M | $31.6M | ||
| Q3 24 | $7.4M | $30.4M | ||
| Q2 24 | $7.6M | $29.4M |
净利润AFBIHBCP
| Q1 26 | — | $11.4M | ||
| Q4 25 | $2.1M | $11.4M | ||
| Q3 25 | $2.2M | $12.4M | ||
| Q2 25 | $2.2M | $11.3M | ||
| Q1 25 | $1.8M | $11.0M | ||
| Q4 24 | $1.3M | $9.7M | ||
| Q3 24 | $1.7M | $9.4M | ||
| Q2 24 | $1.0M | $8.1M |
营业利润率AFBIHBCP
| Q1 26 | — | — | ||
| Q4 25 | 37.3% | 42.6% | ||
| Q3 25 | 37.5% | 45.6% | ||
| Q2 25 | 36.4% | 42.5% | ||
| Q1 25 | 32.8% | 43.4% | ||
| Q4 24 | 21.5% | 38.0% | ||
| Q3 24 | 30.7% | 38.4% | ||
| Q2 24 | 17.7% | 34.3% |
净利率AFBIHBCP
| Q1 26 | — | 29.7% | ||
| Q4 25 | 25.8% | 33.5% | ||
| Q3 25 | 28.5% | 36.2% | ||
| Q2 25 | 27.7% | 34.0% | ||
| Q1 25 | 25.0% | 34.5% | ||
| Q4 24 | 18.1% | 30.6% | ||
| Q3 24 | 23.3% | 31.1% | ||
| Q2 24 | 13.6% | 27.6% |
每股收益（稀释后）AFBIHBCP
| Q1 26 | — | $1.45 | ||
| Q4 25 | $0.34 | $1.46 | ||
| Q3 25 | $0.34 | $1.59 | ||
| Q2 25 | $0.33 | $1.45 | ||
| Q1 25 | $0.28 | $1.37 | ||
| Q4 24 | $0.21 | $1.21 | ||
| Q3 24 | $0.26 | $1.18 | ||
| Q2 24 | $0.16 | $1.02 |
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 | $223.5M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $127.0M | $444.4M |
| 总资产 | $881.7M | $3.6B |
| 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AFBIHBCP
| Q1 26 | — | $223.5M | ||
| Q4 25 | $53.9M | — | ||
| Q3 25 | $84.8M | — | ||
| Q2 25 | $89.7M | — | ||
| Q1 25 | $74.7M | — | ||
| Q4 24 | $41.4M | — | ||
| Q3 24 | $52.3M | — | ||
| Q2 24 | $50.4M | — |
股东权益AFBIHBCP
| Q1 26 | — | $444.4M | ||
| Q4 25 | $127.0M | $435.1M | ||
| Q3 25 | $125.4M | $423.0M | ||
| Q2 25 | $124.1M | $408.8M | ||
| Q1 25 | $122.3M | $402.8M | ||
| Q4 24 | $129.1M | $396.1M | ||
| Q3 24 | $128.4M | $393.5M | ||
| Q2 24 | $125.1M | $375.8M |
总资产AFBIHBCP
| Q1 26 | — | $3.6B | ||
| Q4 25 | $881.7M | $3.5B | ||
| Q3 25 | $925.2M | $3.5B | ||
| Q2 25 | $933.8M | $3.5B | ||
| Q1 25 | $912.5M | $3.5B | ||
| Q4 24 | $866.8M | $3.4B | ||
| Q3 24 | $878.6M | $3.4B | ||
| Q2 24 | $873.6M | $3.4B |
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AFBIHBCP
| Q1 26 | — | — | ||
| Q4 25 | $2.3M | $11.7M | ||
| Q3 25 | $3.7M | $21.5M | ||
| Q2 25 | $3.8M | $8.7M | ||
| Q1 25 | $1.9M | $12.6M | ||
| Q4 24 | $865.0K | $5.8M | ||
| Q3 24 | $4.1M | $17.6M | ||
| Q2 24 | $619.0K | $15.0M |
自由现金流AFBIHBCP
| Q1 26 | — | — | ||
| Q4 25 | $2.2M | $7.1M | ||
| Q3 25 | $3.6M | $20.7M | ||
| Q2 25 | $3.7M | $7.9M | ||
| Q1 25 | $1.8M | $8.7M | ||
| Q4 24 | $842.0K | $5.3M | ||
| Q3 24 | $4.0M | $17.0M | ||
| Q2 24 | $489.0K | $13.4M |
自由现金流率AFBIHBCP
| Q1 26 | — | — | ||
| Q4 25 | 26.3% | 20.8% | ||
| Q3 25 | 46.6% | 60.6% | ||
| Q2 25 | 47.1% | 23.7% | ||
| Q1 25 | 24.2% | 27.4% | ||
| Q4 24 | 11.3% | 16.7% | ||
| Q3 24 | 53.3% | 55.8% | ||
| Q2 24 | 6.5% | 45.4% |
资本支出强度AFBIHBCP
| Q1 26 | — | — | ||
| Q4 25 | 1.1% | 13.6% | ||
| Q3 25 | 0.9% | 2.4% | ||
| Q2 25 | 1.5% | 2.5% | ||
| Q1 25 | 2.0% | 12.2% | ||
| Q4 24 | 0.3% | 1.7% | ||
| Q3 24 | 1.8% | 2.1% | ||
| Q2 24 | 1.7% | 5.5% |
现金转化率AFBIHBCP
| Q1 26 | — | — | ||
| Q4 25 | 1.06× | 1.02× | ||
| Q3 25 | 1.66× | 1.74× | ||
| Q2 25 | 1.75× | 0.77× | ||
| Q1 25 | 1.05× | 1.15× | ||
| Q4 24 | 0.64× | 0.60× | ||
| Q3 24 | 2.36× | 1.87× | ||
| Q2 24 | 0.60× | 1.84× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
AFBI
暂无分部数据
HBCP
| Net Interest Income | $34.5M | 90% |
| Noninterest Income | $3.7M | 10% |
