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Affinity Bancshares, Inc.（AFBI）与美国合众银行（SMBC）财务数据对比。点击上方公司名可切换其他公司
美国合众银行的季度营收约是Affinity Bancshares, Inc.的5.2倍（$42.9M vs $8.3M）。美国合众银行净利率更高（42.3% vs 25.8%，领先16.5%）。美国合众银行同比增速更快（12.4% vs 11.0%）。美国合众银行自由现金流更多（$20.2M vs $2.2M）。过去两年美国合众银行的营收复合增速更高（11.5% vs 10.6%）
美国合众银行是一家总部位于明尼苏达州明尼阿波利斯、在特拉华州注册的美国跨国银行机构，截至2025年是美国第五大银行，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，旗下核心经营实体美国银行全国协会以U.S. Bank名义开展业务，提供银行、投资、抵押等相关金融服务。
AFBI vs SMBC — 直观对比
营收规模更大
SMBC
是对方的5.2倍
$8.3M
营收增速更快
SMBC
高出1.4%
11.0%
净利率更高
SMBC
高出16.5%
25.8%
自由现金流更多
SMBC
多$18.0M
$2.2M
两年增速更快
SMBC
近两年复合增速
10.6%
损益表 — Q4 2025 vs Q2 2026
| 指标 | | |
|---|---|---|
| 营收 | $8.3M | $42.9M |
| 净利润 | $2.1M | $18.1M |
| 毛利率 | — | — |
| 营业利润率 | 37.3% | 52.9% |
| 净利率 | 25.8% | 42.3% |
| 营收同比 | 11.0% | 12.4% |
| 净利润同比 | 58.5% | 23.9% |
| 每股收益（稀释后） | $0.34 | $1.62 |
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AFBISMBC
| Q4 25 | $8.3M | $42.9M | ||
| Q3 25 | $7.8M | $42.4M | ||
| Q2 25 | $7.8M | $40.3M | ||
| Q1 25 | $7.3M | $39.5M | ||
| Q4 24 | $7.4M | $38.1M | ||
| Q3 24 | $7.4M | $36.7M | ||
| Q2 24 | $7.6M | $35.1M | ||
| Q1 24 | $6.7M | $34.5M |
净利润AFBISMBC
| Q4 25 | $2.1M | $18.1M | ||
| Q3 25 | $2.2M | $15.7M | ||
| Q2 25 | $2.2M | $15.8M | ||
| Q1 25 | $1.8M | $15.7M | ||
| Q4 24 | $1.3M | $14.7M | ||
| Q3 24 | $1.7M | $12.5M | ||
| Q2 24 | $1.0M | $13.5M | ||
| Q1 24 | $1.3M | $11.3M |
营业利润率AFBISMBC
| Q4 25 | 37.3% | 52.9% | ||
| Q3 25 | 37.5% | 45.8% | ||
| Q2 25 | 36.4% | 47.4% | ||
| Q1 25 | 32.8% | 50.2% | ||
| Q4 24 | 21.5% | 50.3% | ||
| Q3 24 | 30.7% | 43.2% | ||
| Q2 24 | 17.7% | 48.3% | ||
| Q1 24 | 26.1% | 41.0% |
净利率AFBISMBC
| Q4 25 | 25.8% | 42.3% | ||
| Q3 25 | 28.5% | 36.9% | ||
| Q2 25 | 27.7% | 39.1% | ||
| Q1 25 | 25.0% | 39.7% | ||
| Q4 24 | 18.1% | 38.4% | ||
| Q3 24 | 23.3% | 34.0% | ||
| Q2 24 | 13.6% | 38.6% | ||
| Q1 24 | 19.8% | 32.8% |
每股收益（稀释后）AFBISMBC
| Q4 25 | $0.34 | $1.62 | ||
| Q3 25 | $0.34 | $1.38 | ||
| Q2 25 | $0.33 | $1.39 | ||
| Q1 25 | $0.28 | $1.39 | ||
| Q4 24 | $0.21 | $1.30 | ||
| Q3 24 | $0.26 | $1.10 | ||
| Q2 24 | $0.16 | $1.20 | ||
| Q1 24 | $0.20 | $0.99 |
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 | $134.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $127.0M | $567.4M |
| 总资产 | $881.7M | $5.1B |
| 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AFBISMBC
| Q4 25 | $53.9M | $134.1M | ||
| Q3 25 | $84.8M | $124.1M | ||
| Q2 25 | $89.7M | $192.9M | ||
| Q1 25 | $74.7M | $226.9M | ||
| Q4 24 | $41.4M | $145.8M | ||
| Q3 24 | $52.3M | $75.3M | ||
| Q2 24 | $50.4M | $60.9M | ||
| Q1 24 | $61.4M | $168.3M |
股东权益AFBISMBC
| Q4 25 | $127.0M | $567.4M | ||
| Q3 25 | $125.4M | $560.2M | ||
| Q2 25 | $124.1M | $544.7M | ||
| Q1 25 | $122.3M | $528.8M | ||
| Q4 24 | $129.1M | $512.4M | ||
| Q3 24 | $128.4M | $505.6M | ||
| Q2 24 | $125.1M | $488.7M | ||
| Q1 24 | $123.3M | $479.6M |
总资产AFBISMBC
| Q4 25 | $881.7M | $5.1B | ||
| Q3 25 | $925.2M | $5.0B | ||
| Q2 25 | $933.8M | $5.0B | ||
| Q1 25 | $912.5M | $5.0B | ||
| Q4 24 | $866.8M | $4.9B | ||
| Q3 24 | $878.6M | $4.7B | ||
| Q2 24 | $873.6M | $4.6B | ||
| Q1 24 | $869.5M | $4.6B |
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 | $21.3M |
| 自由现金流经营现金流 - 资本支出 | $2.2M | $20.2M |
| 自由现金流率自由现金流/营收 | 26.3% | 47.0% |
| 资本支出强度资本支出/营收 | 1.1% | 2.6% |
| 现金转化率经营现金流/净利润 | 1.06× | 1.17× |
| 过去12个月自由现金流最近4个季度 | $11.2M | $84.1M |
8季度趋势，按日历期对齐
经营现金流AFBISMBC
| Q4 25 | $2.3M | $21.3M | ||
| Q3 25 | $3.7M | $16.3M | ||
| Q2 25 | $3.8M | $27.3M | ||
| Q1 25 | $1.9M | $24.1M | ||
| Q4 24 | $865.0K | $20.1M | ||
| Q3 24 | $4.1M | $10.0M | ||
| Q2 24 | $619.0K | $15.2M | ||
| Q1 24 | $1.2M | $23.9M |
自由现金流AFBISMBC
| Q4 25 | $2.2M | $20.2M | ||
| Q3 25 | $3.6M | $15.4M | ||
| Q2 25 | $3.7M | $25.8M | ||
| Q1 25 | $1.8M | $22.7M | ||
| Q4 24 | $842.0K | $18.2M | ||
| Q3 24 | $4.0M | $8.6M | ||
| Q2 24 | $489.0K | $13.3M | ||
| Q1 24 | $1.1M | $19.6M |
自由现金流率AFBISMBC
| Q4 25 | 26.3% | 47.0% | ||
| Q3 25 | 46.6% | 36.3% | ||
| Q2 25 | 47.1% | 64.1% | ||
| Q1 25 | 24.2% | 57.6% | ||
| Q4 24 | 11.3% | 47.6% | ||
| Q3 24 | 53.3% | 23.4% | ||
| Q2 24 | 6.5% | 37.9% | ||
| Q1 24 | 16.1% | 56.7% |
资本支出强度AFBISMBC
| Q4 25 | 1.1% | 2.6% | ||
| Q3 25 | 0.9% | 2.1% | ||
| Q2 25 | 1.5% | 3.7% | ||
| Q1 25 | 2.0% | 3.5% | ||
| Q4 24 | 0.3% | 5.2% | ||
| Q3 24 | 1.8% | 3.9% | ||
| Q2 24 | 1.7% | 5.5% | ||
| Q1 24 | 2.0% | 12.5% |
现金转化率AFBISMBC
| Q4 25 | 1.06× | 1.17× | ||
| Q3 25 | 1.66× | 1.04× | ||
| Q2 25 | 1.75× | 1.73× | ||
| Q1 25 | 1.05× | 1.54× | ||
| Q4 24 | 0.64× | 1.37× | ||
| Q3 24 | 2.36× | 0.80× | ||
| Q2 24 | 0.60× | 1.12× | ||
| Q1 24 | 0.91× | 2.11× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
