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Affinity Bancshares, Inc.（AFBI）与HERITAGE FINANCIAL CORP（HFWA）财务数据对比。点击上方公司名可切换其他公司
HERITAGE FINANCIAL CORP的季度营收约是Affinity Bancshares, Inc.的7.1倍（$58.4M vs $8.3M）。HERITAGE FINANCIAL CORP净利率更高（38.1% vs 25.8%，领先12.3%）。Affinity Bancshares, Inc.同比增速更快（11.0% vs 8.6%）。HERITAGE FINANCIAL CORP自由现金流更多（$22.3M vs $2.2M）。过去两年Affinity Bancshares, Inc.的营收复合增速更高（10.6% vs 6.4%）
总部位于美国华盛顿州的区域性金融控股公司，面向太平洋西北地区的当地社群提供服务，核心业务涵盖商业与零售银行服务，包含存款产品、中小企业贷款、住房抵押贷款、个人信贷及财富管理解决方案，核心客群为中小微企业及个人客户。
AFBI vs HFWA — 直观对比
营收规模更大
HFWA
是对方的7.1倍
$8.3M
营收增速更快
AFBI
高出2.4%
8.6%
净利率更高
HFWA
高出12.3%
25.8%
自由现金流更多
HFWA
多$20.1M
$2.2M
两年增速更快
AFBI
近两年复合增速
6.4%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $8.3M | $58.4M |
| 净利润 | $2.1M | $22.2M |
| 毛利率 | — | — |
| 营业利润率 | 37.3% | 44.0% |
| 净利率 | 25.8% | 38.1% |
| 营收同比 | 11.0% | 8.6% |
| 净利润同比 | 58.5% | 86.4% |
| 每股收益（稀释后） | $0.34 | $0.65 |
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AFBIHFWA
| Q4 25 | $8.3M | $58.4M | ||
| Q3 25 | $7.8M | $57.4M | ||
| Q2 25 | $7.8M | $55.0M | ||
| Q1 25 | $7.3M | $53.7M | ||
| Q4 24 | $7.4M | $53.8M | ||
| Q3 24 | $7.4M | $53.0M | ||
| Q2 24 | $7.6M | $51.1M | ||
| Q1 24 | $6.7M | $51.5M |
净利润AFBIHFWA
| Q4 25 | $2.1M | $22.2M | ||
| Q3 25 | $2.2M | $19.2M | ||
| Q2 25 | $2.2M | $12.2M | ||
| Q1 25 | $1.8M | $13.9M | ||
| Q4 24 | $1.3M | $11.9M | ||
| Q3 24 | $1.7M | $11.4M | ||
| Q2 24 | $1.0M | $14.2M | ||
| Q1 24 | $1.3M | $5.7M |
营业利润率AFBIHFWA
| Q4 25 | 37.3% | 44.0% | ||
| Q3 25 | 37.5% | 38.9% | ||
| Q2 25 | 36.4% | 26.3% | ||
| Q1 25 | 32.8% | 30.1% | ||
| Q4 24 | 21.5% | 30.4% | ||
| Q3 24 | 30.7% | 24.7% | ||
| Q2 24 | 17.7% | 31.3% | ||
| Q1 24 | 26.1% | 13.3% |
净利率AFBIHFWA
| Q4 25 | 25.8% | 38.1% | ||
| Q3 25 | 28.5% | 33.4% | ||
| Q2 25 | 27.7% | 22.2% | ||
| Q1 25 | 25.0% | 25.9% | ||
| Q4 24 | 18.1% | 22.2% | ||
| Q3 24 | 23.3% | 21.6% | ||
| Q2 24 | 13.6% | 27.7% | ||
| Q1 24 | 19.8% | 11.2% |
每股收益（稀释后）AFBIHFWA
| Q4 25 | $0.34 | $0.65 | ||
| Q3 25 | $0.34 | $0.55 | ||
| Q2 25 | $0.33 | $0.36 | ||
| Q1 25 | $0.28 | $0.40 | ||
| Q4 24 | $0.21 | $0.34 | ||
| Q3 24 | $0.26 | $0.33 | ||
| Q2 24 | $0.16 | $0.41 | ||
| Q1 24 | $0.20 | $0.16 |
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 | $233.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $127.0M | $921.5M |
| 总资产 | $881.7M | $7.0B |
| 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AFBIHFWA
| Q4 25 | $53.9M | $233.1M | ||
| Q3 25 | $84.8M | $245.5M | ||
| Q2 25 | $89.7M | $254.1M | ||
| Q1 25 | $74.7M | $248.7M | ||
| Q4 24 | $41.4M | $117.1M | ||
| Q3 24 | $52.3M | $175.6M | ||
| Q2 24 | $50.4M | $113.8M | ||
| Q1 24 | $61.4M | $189.6M |
股东权益AFBIHFWA
| Q4 25 | $127.0M | $921.5M | ||
| Q3 25 | $125.4M | $904.1M | ||
| Q2 25 | $124.1M | $888.2M | ||
| Q1 25 | $122.3M | $881.5M | ||
| Q4 24 | $129.1M | $863.5M | ||
| Q3 24 | $128.4M | $874.5M | ||
| Q2 24 | $125.1M | $850.5M | ||
| Q1 24 | $123.3M | $847.6M |
总资产AFBIHFWA
| Q4 25 | $881.7M | $7.0B | ||
| Q3 25 | $925.2M | $7.0B | ||
| Q2 25 | $933.8M | $7.1B | ||
| Q1 25 | $912.5M | $7.1B | ||
| Q4 24 | $866.8M | $7.1B | ||
| Q3 24 | $878.6M | $7.2B | ||
| Q2 24 | $873.6M | $7.1B | ||
| Q1 24 | $869.5M | $7.1B |
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 | $28.0M |
| 自由现金流经营现金流 - 资本支出 | $2.2M | $22.3M |
| 自由现金流率自由现金流/营收 | 26.3% | 38.2% |
| 资本支出强度资本支出/营收 | 1.1% | 9.8% |
| 现金转化率经营现金流/净利润 | 1.06× | 1.26× |
| 过去12个月自由现金流最近4个季度 | $11.2M | $85.7M |
8季度趋势，按日历期对齐
经营现金流AFBIHFWA
| Q4 25 | $2.3M | $28.0M | ||
| Q3 25 | $3.7M | $25.1M | ||
| Q2 25 | $3.8M | $22.5M | ||
| Q1 25 | $1.9M | $19.3M | ||
| Q4 24 | $865.0K | $20.6M | ||
| Q3 24 | $4.1M | $24.2M | ||
| Q2 24 | $619.0K | $6.8M | ||
| Q1 24 | $1.2M | $12.9M |
自由现金流AFBIHFWA
| Q4 25 | $2.2M | $22.3M | ||
| Q3 25 | $3.6M | $24.4M | ||
| Q2 25 | $3.7M | $20.9M | ||
| Q1 25 | $1.8M | $18.1M | ||
| Q4 24 | $842.0K | $19.8M | ||
| Q3 24 | $4.0M | $23.2M | ||
| Q2 24 | $489.0K | $6.0M | ||
| Q1 24 | $1.1M | $12.0M |
自由现金流率AFBIHFWA
| Q4 25 | 26.3% | 38.2% | ||
| Q3 25 | 46.6% | 42.5% | ||
| Q2 25 | 47.1% | 38.0% | ||
| Q1 25 | 24.2% | 33.7% | ||
| Q4 24 | 11.3% | 36.9% | ||
| Q3 24 | 53.3% | 43.9% | ||
| Q2 24 | 6.5% | 11.7% | ||
| Q1 24 | 16.1% | 23.3% |
资本支出强度AFBIHFWA
| Q4 25 | 1.1% | 9.8% | ||
| Q3 25 | 0.9% | 1.2% | ||
| Q2 25 | 1.5% | 2.9% | ||
| Q1 25 | 2.0% | 2.2% | ||
| Q4 24 | 0.3% | 1.5% | ||
| Q3 24 | 1.8% | 1.8% | ||
| Q2 24 | 1.7% | 1.6% | ||
| Q1 24 | 2.0% | 1.7% |
现金转化率AFBIHFWA
| Q4 25 | 1.06× | 1.26× | ||
| Q3 25 | 1.66× | 1.31× | ||
| Q2 25 | 1.75× | 1.84× | ||
| Q1 25 | 1.05× | 1.38× | ||
| Q4 24 | 0.64× | 1.73× | ||
| Q3 24 | 2.36× | 2.12× | ||
| Q2 24 | 0.60× | 0.48× | ||
| Q1 24 | 0.91× | 2.24× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
