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Avidia Bancorp, Inc.（AVBC）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Avidia Bancorp, Inc.的1.8倍（$42.9M vs $23.3M）。美国合众银行净利率更高（42.3% vs 22.9%，领先19.4%）。美国合众银行自由现金流更多（$20.2M 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。
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。
AVBC vs SMBC — 直观对比
营收规模更大
SMBC
是对方的1.8倍
$23.3M
净利率更高
SMBC
高出19.4%
22.9%
自由现金流更多
SMBC
多$12.1M
$8.0M
损益表 — Q4 2025 vs Q2 2026
| 指标 | | |
|---|---|---|
| 营收 | $23.3M | $42.9M |
| 净利润 | $5.3M | $18.1M |
| 毛利率 | — | — |
| 营业利润率 | 33.3% | 52.9% |
| 净利率 | 22.9% | 42.3% |
| 营收同比 | — | 12.4% |
| 净利润同比 | — | 23.9% |
| 每股收益（稀释后） | — | $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AVBCSMBC
| Q4 25 | $23.3M | $42.9M | ||
| Q3 25 | $23.4M | $42.4M | ||
| Q2 25 | $20.6M | $40.3M | ||
| Q1 25 | $19.2M | $39.5M | ||
| Q4 24 | — | $38.1M | ||
| Q3 24 | — | $36.7M | ||
| Q2 24 | — | $35.1M | ||
| Q1 24 | — | $34.5M |
净利润AVBCSMBC
| Q4 25 | $5.3M | $18.1M | ||
| Q3 25 | $-907.0K | $15.7M | ||
| Q2 25 | $3.9M | $15.8M | ||
| Q1 25 | $-11.6M | $15.7M | ||
| Q4 24 | — | $14.7M | ||
| Q3 24 | — | $12.5M | ||
| Q2 24 | — | $13.5M | ||
| Q1 24 | — | $11.3M |
营业利润率AVBCSMBC
| Q4 25 | 33.3% | 52.9% | ||
| Q3 25 | -8.3% | 45.8% | ||
| Q2 25 | 24.4% | 47.4% | ||
| Q1 25 | -85.9% | 50.2% | ||
| Q4 24 | — | 50.3% | ||
| Q3 24 | — | 43.2% | ||
| Q2 24 | — | 48.3% | ||
| Q1 24 | — | 41.0% |
净利率AVBCSMBC
| Q4 25 | 22.9% | 42.3% | ||
| Q3 25 | -3.9% | 36.9% | ||
| Q2 25 | 18.8% | 39.1% | ||
| Q1 25 | -60.3% | 39.7% | ||
| Q4 24 | — | 38.4% | ||
| Q3 24 | — | 34.0% | ||
| Q2 24 | — | 38.6% | ||
| Q1 24 | — | 32.8% |
每股收益（稀释后）AVBCSMBC
| Q4 25 | — | $1.62 | ||
| Q3 25 | $-0.05 | $1.38 | ||
| Q2 25 | — | $1.39 | ||
| Q1 25 | — | $1.39 | ||
| Q4 24 | — | $1.30 | ||
| Q3 24 | — | $1.10 | ||
| Q2 24 | — | $1.20 | ||
| Q1 24 | — | $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 | $275.0M | $134.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $379.0M | $567.4M |
| 总资产 | $2.8B | $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AVBCSMBC
| Q4 25 | $275.0M | $134.1M | ||
| Q3 25 | $208.3M | $124.1M | ||
| Q2 25 | $592.5M | $192.9M | ||
| Q1 25 | — | $226.9M | ||
| Q4 24 | — | $145.8M | ||
| Q3 24 | — | $75.3M | ||
| Q2 24 | — | $60.9M | ||
| Q1 24 | — | $168.3M |
股东权益AVBCSMBC
| Q4 25 | $379.0M | $567.4M | ||
| Q3 25 | $372.0M | $560.2M | ||
| Q2 25 | $191.4M | $544.7M | ||
| Q1 25 | $186.1M | $528.8M | ||
| Q4 24 | — | $512.4M | ||
| Q3 24 | — | $505.6M | ||
| Q2 24 | — | $488.7M | ||
| Q1 24 | — | $479.6M |
总资产AVBCSMBC
| Q4 25 | $2.8B | $5.1B | ||
| Q3 25 | $2.8B | $5.0B | ||
| Q2 25 | $3.0B | $5.0B | ||
| Q1 25 | $2.7B | $5.0B | ||
| Q4 24 | — | $4.9B | ||
| Q3 24 | — | $4.7B | ||
| Q2 24 | — | $4.6B | ||
| Q1 24 | — | $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 | $8.8M | $21.3M |
| 自由现金流经营现金流 - 资本支出 | $8.0M | $20.2M |
| 自由现金流率自由现金流/营收 | 34.4% | 47.0% |
| 资本支出强度资本支出/营收 | 3.4% | 2.6% |
| 现金转化率经营现金流/净利润 | 1.65× | 1.17× |
| 过去12个月自由现金流最近4个季度 | $24.1M | $84.1M |
8季度趋势，按日历期对齐
经营现金流AVBCSMBC
| Q4 25 | $8.8M | $21.3M | ||
| Q3 25 | $24.1M | $16.3M | ||
| Q2 25 | $-2.3M | $27.3M | ||
| Q1 25 | $-2.2M | $24.1M | ||
| Q4 24 | — | $20.1M | ||
| Q3 24 | — | $10.0M | ||
| Q2 24 | — | $15.2M | ||
| Q1 24 | — | $23.9M |
自由现金流AVBCSMBC
| Q4 25 | $8.0M | $20.2M | ||
| Q3 25 | $23.3M | $15.4M | ||
| Q2 25 | $-3.3M | $25.8M | ||
| Q1 25 | $-3.9M | $22.7M | ||
| Q4 24 | — | $18.2M | ||
| Q3 24 | — | $8.6M | ||
| Q2 24 | — | $13.3M | ||
| Q1 24 | — | $19.6M |
自由现金流率AVBCSMBC
| Q4 25 | 34.4% | 47.0% | ||
| Q3 25 | 99.2% | 36.3% | ||
| Q2 25 | -16.0% | 64.1% | ||
| Q1 25 | -20.2% | 57.6% | ||
| Q4 24 | — | 47.6% | ||
| Q3 24 | — | 23.4% | ||
| Q2 24 | — | 37.9% | ||
| Q1 24 | — | 56.7% |
资本支出强度AVBCSMBC
| Q4 25 | 3.4% | 2.6% | ||
| Q3 25 | 3.7% | 2.1% | ||
| Q2 25 | 4.7% | 3.7% | ||
| Q1 25 | 8.6% | 3.5% | ||
| Q4 24 | — | 5.2% | ||
| Q3 24 | — | 3.9% | ||
| Q2 24 | — | 5.5% | ||
| Q1 24 | — | 12.5% |
现金转化率AVBCSMBC
| Q4 25 | 1.65× | 1.17× | ||
| Q3 25 | — | 1.04× | ||
| Q2 25 | -0.60× | 1.73× | ||
| Q1 25 | — | 1.54× | ||
| Q4 24 | — | 1.37× | ||
| Q3 24 | — | 0.80× | ||
| Q2 24 | — | 1.12× | ||
| Q1 24 | — | 2.11× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
