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Avidia Bancorp, Inc.（AVBC）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
Avidia Bancorp, Inc.的季度营收约是ECB Bancorp, Inc.的2.5倍（$23.3M vs $9.2M）。ECB Bancorp, Inc.净利率更高（28.4% vs 22.9%，领先5.5%）。Avidia Bancorp, Inc.自由现金流更多（$8.0M vs $3.9M）
Avidia银行是一家美国互助型社区银行，总部位于马萨诸塞州哈德逊市，于2007年由哈德逊储蓄银行与韦斯特伯勒银行合并成立，主要为当地社区提供各类金融服务。
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。
AVBC vs ECBK — 直观对比
营收规模更大
AVBC
是对方的2.5倍
$9.2M
净利率更高
ECBK
高出5.5%
22.9%
自由现金流更多
AVBC
多$4.2M
$3.9M
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $23.3M | $9.2M |
| 净利润 | $5.3M | $2.6M |
| 毛利率 | — | — |
| 营业利润率 | 33.3% | 38.1% |
| 净利率 | 22.9% | 28.4% |
| 营收同比 | — | 35.0% |
| 净利润同比 | — | 79.5% |
| 每股收益（稀释后） | — | $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AVBCECBK
| Q4 25 | $23.3M | $9.2M | ||
| Q3 25 | $23.4M | $8.5M | ||
| Q2 25 | $20.6M | $7.7M | ||
| Q1 25 | $19.2M | $6.6M | ||
| Q4 24 | — | $6.8M | ||
| Q3 24 | — | $6.3M | ||
| Q2 24 | — | $6.0M | ||
| Q1 24 | — | $5.9M |
净利润AVBCECBK
| Q4 25 | $5.3M | $2.6M | ||
| Q3 25 | $-907.0K | $2.4M | ||
| Q2 25 | $3.9M | $1.4M | ||
| Q1 25 | $-11.6M | $1.3M | ||
| Q4 24 | — | $1.4M | ||
| Q3 24 | — | $1.1M | ||
| Q2 24 | — | $791.0K | ||
| Q1 24 | — | $621.0K |
营业利润率AVBCECBK
| Q4 25 | 33.3% | 38.1% | ||
| Q3 25 | -8.3% | 38.5% | ||
| Q2 25 | 24.4% | 25.0% | ||
| Q1 25 | -85.9% | 25.9% | ||
| Q4 24 | — | 28.6% | ||
| Q3 24 | — | 24.4% | ||
| Q2 24 | — | 17.7% | ||
| Q1 24 | — | 14.1% |
净利率AVBCECBK
| Q4 25 | 22.9% | 28.4% | ||
| Q3 25 | -3.9% | 28.8% | ||
| Q2 25 | 18.8% | 18.8% | ||
| Q1 25 | -60.3% | 19.5% | ||
| Q4 24 | — | 21.3% | ||
| Q3 24 | — | 18.0% | ||
| Q2 24 | — | 13.2% | ||
| Q1 24 | — | 10.5% |
每股收益（稀释后）AVBCECBK
| Q4 25 | — | $0.32 | ||
| Q3 25 | $-0.05 | $0.29 | ||
| Q2 25 | — | $0.17 | ||
| Q1 25 | — | $0.16 | ||
| Q4 24 | — | $0.18 | ||
| Q3 24 | — | $0.14 | ||
| Q2 24 | — | $0.09 | ||
| Q1 24 | — | $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 | $275.0M | $82.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $379.0M | $171.9M |
| 总资产 | $2.8B | $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AVBCECBK
| Q4 25 | $275.0M | $82.8M | ||
| Q3 25 | $208.3M | $201.9M | ||
| Q2 25 | $592.5M | $191.0M | ||
| Q1 25 | — | $143.7M | ||
| Q4 24 | — | $309.4M | ||
| Q3 24 | — | $114.8M | ||
| Q2 24 | — | $108.7M | ||
| Q1 24 | — | $109.8M |
股东权益AVBCECBK
| Q4 25 | $379.0M | $171.9M | ||
| Q3 25 | $372.0M | $169.3M | ||
| Q2 25 | $191.4M | $168.3M | ||
| Q1 25 | $186.1M | $168.6M | ||
| Q4 24 | — | $168.3M | ||
| Q3 24 | — | $166.0M | ||
| Q2 24 | — | $166.5M | ||
| Q1 24 | — | $165.8M |
总资产AVBCECBK
| Q4 25 | $2.8B | $1.6B | ||
| Q3 25 | $2.8B | $1.6B | ||
| Q2 25 | $3.0B | $1.5B | ||
| Q1 25 | $2.7B | $1.5B | ||
| Q4 24 | — | $1.4B | ||
| Q3 24 | — | $1.4B | ||
| Q2 24 | — | $1.3B | ||
| Q1 24 | — | $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 | $8.8M | $3.9M |
| 自由现金流经营现金流 - 资本支出 | $8.0M | $3.9M |
| 自由现金流率自由现金流/营收 | 34.4% | 42.1% |
| 资本支出强度资本支出/营收 | 3.4% | 0.8% |
| 现金转化率经营现金流/净利润 | 1.65× | 1.51× |
| 过去12个月自由现金流最近4个季度 | $24.1M | $9.0M |
8季度趋势，按日历期对齐
经营现金流AVBCECBK
| Q4 25 | $8.8M | $3.9M | ||
| Q3 25 | $24.1M | $4.0M | ||
| Q2 25 | $-2.3M | $1.9M | ||
| Q1 25 | $-2.2M | $-631.0K | ||
| Q4 24 | — | $4.4M | ||
| Q3 24 | — | $861.0K | ||
| Q2 24 | — | $1.4M | ||
| Q1 24 | — | $-429.0K |
自由现金流AVBCECBK
| Q4 25 | $8.0M | $3.9M | ||
| Q3 25 | $23.3M | $4.0M | ||
| Q2 25 | $-3.3M | $1.8M | ||
| Q1 25 | $-3.9M | $-649.0K | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $1.3M | ||
| Q1 24 | — | $-449.0K |
自由现金流率AVBCECBK
| Q4 25 | 34.4% | 42.1% | ||
| Q3 25 | 99.2% | 46.8% | ||
| Q2 25 | -16.0% | 24.1% | ||
| Q1 25 | -20.2% | -9.8% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 22.4% | ||
| Q1 24 | — | -7.6% |
资本支出强度AVBCECBK
| Q4 25 | 3.4% | 0.8% | ||
| Q3 25 | 3.7% | 0.8% | ||
| Q2 25 | 4.7% | 0.7% | ||
| Q1 25 | 8.6% | 0.3% | ||
| Q4 24 | — | 0.0% | ||
| Q3 24 | — | 0.0% | ||
| Q2 24 | — | 0.7% | ||
| Q1 24 | — | 0.3% |
现金转化率AVBCECBK
| Q4 25 | 1.65× | 1.51× | ||
| Q3 25 | — | 1.65× | ||
| Q2 25 | -0.60× | 1.32× | ||
| Q1 25 | — | -0.49× | ||
| Q4 24 | — | 3.05× | ||
| Q3 24 | — | 0.76× | ||
| Q2 24 | — | 1.75× | ||
| Q1 24 | — | -0.69× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
