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Avidia Bancorp, Inc.（AVBC）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Avidia Bancorp, Inc.的21.4倍（$498.0M vs $23.3M）。Avidia Bancorp, Inc.净利率更高（22.9% vs 4.2%，领先18.7%）
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。
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。
AVBC vs FLG — 直观对比
营收规模更大
FLG
是对方的21.4倍
$23.3M
净利率更高
AVBC
高出18.7%
4.2%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $23.3M | $498.0M |
| 净利润 | $5.3M | $21.0M |
| 毛利率 | — | — |
| 营业利润率 | 33.3% | — |
| 净利率 | 22.9% | 4.2% |
| 营收同比 | — | 1.6% |
| 净利润同比 | — | -27.6% |
| 每股收益（稀释后） | — | $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AVBCFLG
| Q1 26 | — | $498.0M | ||
| Q4 25 | $23.3M | $2.1B | ||
| Q3 25 | $23.4M | $425.0M | ||
| Q2 25 | $20.6M | $419.0M | ||
| Q1 25 | $19.2M | — | ||
| Q4 24 | — | $461.0M | ||
| Q3 24 | — | $510.0M | ||
| Q2 24 | — | $557.0M |
净利润AVBCFLG
| Q1 26 | — | $21.0M | ||
| Q4 25 | $5.3M | $29.0M | ||
| Q3 25 | $-907.0K | $-36.0M | ||
| Q2 25 | $3.9M | $-70.0M | ||
| Q1 25 | $-11.6M | — | ||
| Q4 24 | — | $-188.0M | ||
| Q3 24 | — | $-280.0M | ||
| Q2 24 | — | $-323.0M |
营业利润率AVBCFLG
| Q1 26 | — | — | ||
| Q4 25 | 33.3% | — | ||
| Q3 25 | -8.3% | -9.6% | ||
| Q2 25 | 24.4% | -19.3% | ||
| Q1 25 | -85.9% | — | ||
| Q4 24 | — | -51.6% | ||
| Q3 24 | — | -65.7% | ||
| Q2 24 | — | -76.1% |
净利率AVBCFLG
| Q1 26 | — | 4.2% | ||
| Q4 25 | 22.9% | 1.4% | ||
| Q3 25 | -3.9% | -8.5% | ||
| Q2 25 | 18.8% | -16.7% | ||
| Q1 25 | -60.3% | — | ||
| Q4 24 | — | -40.8% | ||
| Q3 24 | — | -54.9% | ||
| Q2 24 | — | -58.0% |
每股收益（稀释后）AVBCFLG
| Q1 26 | — | $0.03 | ||
| Q4 25 | — | $0.05 | ||
| Q3 25 | $-0.05 | $-0.11 | ||
| Q2 25 | — | $-0.19 | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $-1.11 | ||
| Q3 24 | — | $-0.79 | ||
| Q2 24 | — | $-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 | $275.0M | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $379.0M | $8.1B |
| 总资产 | $2.8B | $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AVBCFLG
| Q1 26 | — | — | ||
| Q4 25 | $275.0M | — | ||
| Q3 25 | $208.3M | $23.6B | ||
| Q2 25 | $592.5M | $22.9B | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $25.8B | ||
| Q3 24 | — | $33.6B | ||
| Q2 24 | — | $29.5B |
总债务AVBCFLG
| 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AVBCFLG
| Q1 26 | — | $8.1B | ||
| Q4 25 | $379.0M | $8.1M | ||
| Q3 25 | $372.0M | $8.1B | ||
| Q2 25 | $191.4M | $8.1B | ||
| Q1 25 | $186.1M | — | ||
| Q4 24 | — | $8.2B | ||
| Q3 24 | — | $8.6B | ||
| Q2 24 | — | $8.4B |
总资产AVBCFLG
| Q1 26 | — | $87.1B | ||
| Q4 25 | $2.8B | $87.5M | ||
| Q3 25 | $2.8B | $91.7B | ||
| Q2 25 | $3.0B | $92.2B | ||
| Q1 25 | $2.7B | — | ||
| Q4 24 | — | $100.2B | ||
| Q3 24 | — | $114.4B | ||
| Q2 24 | — | $119.1B |
负债/权益比AVBCFLG
| 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 | $8.8M | — |
| 自由现金流经营现金流 - 资本支出 | $8.0M | — |
| 自由现金流率自由现金流/营收 | 34.4% | — |
| 资本支出强度资本支出/营收 | 3.4% | — |
| 现金转化率经营现金流/净利润 | 1.65× | — |
| 过去12个月自由现金流最近4个季度 | $24.1M | — |
8季度趋势，按日历期对齐
经营现金流AVBCFLG
| Q1 26 | — | — | ||
| Q4 25 | $8.8M | — | ||
| Q3 25 | $24.1M | $243.0M | ||
| Q2 25 | $-2.3M | — | ||
| Q1 25 | $-2.2M | — | ||
| Q4 24 | — | $623.0M | ||
| Q3 24 | — | $-1.0B | ||
| Q2 24 | — | $796.0M |
自由现金流AVBCFLG
| Q1 26 | — | — | ||
| Q4 25 | $8.0M | — | ||
| Q3 25 | $23.3M | — | ||
| Q2 25 | $-3.3M | — | ||
| Q1 25 | $-3.9M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
自由现金流率AVBCFLG
| Q1 26 | — | — | ||
| Q4 25 | 34.4% | — | ||
| Q3 25 | 99.2% | — | ||
| Q2 25 | -16.0% | — | ||
| Q1 25 | -20.2% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
资本支出强度AVBCFLG
| Q1 26 | — | — | ||
| Q4 25 | 3.4% | — | ||
| Q3 25 | 3.7% | — | ||
| Q2 25 | 4.7% | — | ||
| Q1 25 | 8.6% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
现金转化率AVBCFLG
| Q1 26 | — | — | ||
| Q4 25 | 1.65× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | -0.60× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
