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Avidia Bancorp, Inc.（AVBC）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Avidia Bancorp, Inc.的2.5倍（$58.4M vs $23.3M）。HERITAGE FINANCIAL CORP净利率更高（38.1% vs 22.9%，领先15.2%）。HERITAGE FINANCIAL CORP自由现金流更多（$22.3M vs $8.0M）
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。
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。
AVBC vs HFWA — 直观对比
营收规模更大
HFWA
是对方的2.5倍
$23.3M
净利率更高
HFWA
高出15.2%
22.9%
自由现金流更多
HFWA
多$14.3M
$8.0M
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $23.3M | $58.4M |
| 净利润 | $5.3M | $22.2M |
| 毛利率 | — | — |
| 营业利润率 | 33.3% | 44.0% |
| 净利率 | 22.9% | 38.1% |
| 营收同比 | — | 8.6% |
| 净利润同比 | — | 86.4% |
| 每股收益（稀释后） | — | $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AVBCHFWA
| Q4 25 | $23.3M | $58.4M | ||
| Q3 25 | $23.4M | $57.4M | ||
| Q2 25 | $20.6M | $55.0M | ||
| Q1 25 | $19.2M | $53.7M | ||
| Q4 24 | — | $53.8M | ||
| Q3 24 | — | $53.0M | ||
| Q2 24 | — | $51.1M | ||
| Q1 24 | — | $51.5M |
净利润AVBCHFWA
| Q4 25 | $5.3M | $22.2M | ||
| Q3 25 | $-907.0K | $19.2M | ||
| Q2 25 | $3.9M | $12.2M | ||
| Q1 25 | $-11.6M | $13.9M | ||
| Q4 24 | — | $11.9M | ||
| Q3 24 | — | $11.4M | ||
| Q2 24 | — | $14.2M | ||
| Q1 24 | — | $5.7M |
营业利润率AVBCHFWA
| Q4 25 | 33.3% | 44.0% | ||
| Q3 25 | -8.3% | 38.9% | ||
| Q2 25 | 24.4% | 26.3% | ||
| Q1 25 | -85.9% | 30.1% | ||
| Q4 24 | — | 30.4% | ||
| Q3 24 | — | 24.7% | ||
| Q2 24 | — | 31.3% | ||
| Q1 24 | — | 13.3% |
净利率AVBCHFWA
| Q4 25 | 22.9% | 38.1% | ||
| Q3 25 | -3.9% | 33.4% | ||
| Q2 25 | 18.8% | 22.2% | ||
| Q1 25 | -60.3% | 25.9% | ||
| Q4 24 | — | 22.2% | ||
| Q3 24 | — | 21.6% | ||
| Q2 24 | — | 27.7% | ||
| Q1 24 | — | 11.2% |
每股收益（稀释后）AVBCHFWA
| Q4 25 | — | $0.65 | ||
| Q3 25 | $-0.05 | $0.55 | ||
| Q2 25 | — | $0.36 | ||
| Q1 25 | — | $0.40 | ||
| Q4 24 | — | $0.34 | ||
| Q3 24 | — | $0.33 | ||
| Q2 24 | — | $0.41 | ||
| Q1 24 | — | $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 | $275.0M | $233.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $379.0M | $921.5M |
| 总资产 | $2.8B | $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AVBCHFWA
| Q4 25 | $275.0M | $233.1M | ||
| Q3 25 | $208.3M | $245.5M | ||
| Q2 25 | $592.5M | $254.1M | ||
| Q1 25 | — | $248.7M | ||
| Q4 24 | — | $117.1M | ||
| Q3 24 | — | $175.6M | ||
| Q2 24 | — | $113.8M | ||
| Q1 24 | — | $189.6M |
股东权益AVBCHFWA
| Q4 25 | $379.0M | $921.5M | ||
| Q3 25 | $372.0M | $904.1M | ||
| Q2 25 | $191.4M | $888.2M | ||
| Q1 25 | $186.1M | $881.5M | ||
| Q4 24 | — | $863.5M | ||
| Q3 24 | — | $874.5M | ||
| Q2 24 | — | $850.5M | ||
| Q1 24 | — | $847.6M |
总资产AVBCHFWA
| Q4 25 | $2.8B | $7.0B | ||
| Q3 25 | $2.8B | $7.0B | ||
| Q2 25 | $3.0B | $7.1B | ||
| Q1 25 | $2.7B | $7.1B | ||
| Q4 24 | — | $7.1B | ||
| Q3 24 | — | $7.2B | ||
| Q2 24 | — | $7.1B | ||
| Q1 24 | — | $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 | $8.8M | $28.0M |
| 自由现金流经营现金流 - 资本支出 | $8.0M | $22.3M |
| 自由现金流率自由现金流/营收 | 34.4% | 38.2% |
| 资本支出强度资本支出/营收 | 3.4% | 9.8% |
| 现金转化率经营现金流/净利润 | 1.65× | 1.26× |
| 过去12个月自由现金流最近4个季度 | $24.1M | $85.7M |
8季度趋势，按日历期对齐
经营现金流AVBCHFWA
| Q4 25 | $8.8M | $28.0M | ||
| Q3 25 | $24.1M | $25.1M | ||
| Q2 25 | $-2.3M | $22.5M | ||
| Q1 25 | $-2.2M | $19.3M | ||
| Q4 24 | — | $20.6M | ||
| Q3 24 | — | $24.2M | ||
| Q2 24 | — | $6.8M | ||
| Q1 24 | — | $12.9M |
自由现金流AVBCHFWA
| Q4 25 | $8.0M | $22.3M | ||
| Q3 25 | $23.3M | $24.4M | ||
| Q2 25 | $-3.3M | $20.9M | ||
| Q1 25 | $-3.9M | $18.1M | ||
| Q4 24 | — | $19.8M | ||
| Q3 24 | — | $23.2M | ||
| Q2 24 | — | $6.0M | ||
| Q1 24 | — | $12.0M |
自由现金流率AVBCHFWA
| Q4 25 | 34.4% | 38.2% | ||
| Q3 25 | 99.2% | 42.5% | ||
| Q2 25 | -16.0% | 38.0% | ||
| Q1 25 | -20.2% | 33.7% | ||
| Q4 24 | — | 36.9% | ||
| Q3 24 | — | 43.9% | ||
| Q2 24 | — | 11.7% | ||
| Q1 24 | — | 23.3% |
资本支出强度AVBCHFWA
| Q4 25 | 3.4% | 9.8% | ||
| Q3 25 | 3.7% | 1.2% | ||
| Q2 25 | 4.7% | 2.9% | ||
| Q1 25 | 8.6% | 2.2% | ||
| Q4 24 | — | 1.5% | ||
| Q3 24 | — | 1.8% | ||
| Q2 24 | — | 1.6% | ||
| Q1 24 | — | 1.7% |
现金转化率AVBCHFWA
| Q4 25 | 1.65× | 1.26× | ||
| Q3 25 | — | 1.31× | ||
| Q2 25 | -0.60× | 1.84× | ||
| Q1 25 | — | 1.38× | ||
| Q4 24 | — | 1.73× | ||
| Q3 24 | — | 2.12× | ||
| Q2 24 | — | 0.48× | ||
| Q1 24 | — | 2.24× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
