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Avidia Bancorp, Inc.（AVBC）与STEM, INC.（STEM）财务数据对比。点击上方公司名可切换其他公司
STEM, INC.的季度营收约是Avidia Bancorp, Inc.的1.8倍（$47.1M vs $26.8M），Avidia Bancorp, Inc.净利率更高（22.9% vs -33.9%，领先56.8%）
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。
该公司是一家公开上市的生物制药企业，总部位于加利福尼亚州纽瓦克，专注研发纯化人类神经干细胞，旨在治疗中枢神经系统疾病与瘫痪，其所研发的神经干细胞可分化为中枢神经系统的神经元、星形胶质细胞与少突胶质细胞这三大主要细胞类型。
AVBC vs STEM — 直观对比
营收规模更大
STEM
是对方的1.8倍
$26.8M
净利率更高
AVBC
高出56.8%
-33.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $26.8M | $47.1M |
| 净利润 | $5.3M | $-16.0M |
| 毛利率 | — | 48.9% |
| 营业利润率 | 33.3% | -17.7% |
| 净利率 | 22.9% | -33.9% |
| 营收同比 | — | -15.6% |
| 净利润同比 | — | 68.8% |
| 每股收益（稀释后） | — | $-4.40 |
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AVBCSTEM
| Q4 25 | $26.8M | $47.1M | ||
| Q3 25 | $28.0M | $38.2M | ||
| Q2 25 | $25.9M | $38.4M | ||
| Q1 25 | $22.9M | $32.5M | ||
| Q4 24 | — | $55.8M | ||
| Q3 24 | — | $29.3M | ||
| Q2 24 | — | $34.0M | ||
| Q1 24 | — | $25.5M |
净利润AVBCSTEM
| Q4 25 | $5.3M | $-16.0M | ||
| Q3 25 | $-907.0K | $-23.8M | ||
| Q2 25 | $3.9M | $202.5M | ||
| Q1 25 | $-11.6M | $-25.0M | ||
| Q4 24 | — | $-51.1M | ||
| Q3 24 | — | $-148.3M | ||
| Q2 24 | — | $-582.3M | ||
| Q1 24 | — | $-72.3M |
毛利率AVBCSTEM
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | -95.0% |
营业利润率AVBCSTEM
| Q4 25 | 33.3% | -17.7% | ||
| Q3 25 | -7.0% | -33.6% | ||
| Q2 25 | 19.4% | -34.8% | ||
| Q1 25 | -72.0% | -65.0% | ||
| Q4 24 | — | -84.4% | ||
| Q3 24 | — | -493.2% | ||
| Q2 24 | — | -1705.5% | ||
| Q1 24 | — | -267.0% |
净利率AVBCSTEM
| Q4 25 | 22.9% | -33.9% | ||
| Q3 25 | -3.2% | -62.2% | ||
| Q2 25 | 15.0% | 527.8% | ||
| Q1 25 | -50.5% | -76.9% | ||
| Q4 24 | — | -91.6% | ||
| Q3 24 | — | -506.3% | ||
| Q2 24 | — | -1712.6% | ||
| Q1 24 | — | -283.9% |
每股收益（稀释后）AVBCSTEM
| Q4 25 | — | $-4.40 | ||
| Q3 25 | $-0.05 | $-2.84 | ||
| Q2 25 | — | $-1.79 | ||
| Q1 25 | — | $-0.15 | ||
| Q4 24 | — | $-15.29 | ||
| Q3 24 | — | $-18.24 | ||
| Q2 24 | — | $-71.81 | ||
| Q1 24 | — | $-0.46 |
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 | $48.9M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $379.0M | $-249.4M |
| 总资产 | $2.8B | $308.9M |
| 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AVBCSTEM
| Q4 25 | $275.0M | $48.9M | ||
| Q3 25 | $208.3M | $43.1M | ||
| Q2 25 | $592.5M | $40.8M | ||
| Q1 25 | — | $58.6M | ||
| Q4 24 | — | $56.3M | ||
| Q3 24 | — | $75.4M | ||
| Q2 24 | — | $89.6M | ||
| Q1 24 | — | $112.8M |
股东权益AVBCSTEM
| Q4 25 | $379.0M | $-249.4M | ||
| Q3 25 | $372.0M | $-235.7M | ||
| Q2 25 | $191.4M | $-214.1M | ||
| Q1 25 | $186.1M | $-417.5M | ||
| Q4 24 | — | $-398.4M | ||
| Q3 24 | — | $-344.1M | ||
| Q2 24 | — | $-203.2M | ||
| Q1 24 | — | $371.6M |
总资产AVBCSTEM
| Q4 25 | $2.8B | $308.9M | ||
| Q3 25 | $2.8B | $362.6M | ||
| Q2 25 | $3.0B | $379.2M | ||
| Q1 25 | $2.7B | $405.1M | ||
| Q4 24 | — | $437.4M | ||
| Q3 24 | — | $537.8M | ||
| Q2 24 | — | $691.5M | ||
| 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 | $28.4M | $8.2M |
| 自由现金流经营现金流 - 资本支出 | $24.1M | — |
| 自由现金流率自由现金流/营收 | 89.9% | — |
| 资本支出强度资本支出/营收 | 16.0% | — |
| 现金转化率经营现金流/净利润 | 5.32× | — |
| 过去12个月自由现金流最近4个季度 | $40.2M | — |
8季度趋势，按日历期对齐
经营现金流AVBCSTEM
| Q4 25 | $28.4M | $8.2M | ||
| Q3 25 | $24.1M | $11.4M | ||
| Q2 25 | $-2.3M | $-21.3M | ||
| Q1 25 | $-2.2M | $8.5M | ||
| Q4 24 | — | $-14.7M | ||
| Q3 24 | — | $-9.4M | ||
| Q2 24 | — | $-11.9M | ||
| Q1 24 | — | $-621.0K |
自由现金流AVBCSTEM
| Q4 25 | $24.1M | — | ||
| Q3 25 | $23.3M | — | ||
| Q2 25 | $-3.3M | — | ||
| Q1 25 | $-3.9M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
自由现金流率AVBCSTEM
| Q4 25 | 89.9% | — | ||
| Q3 25 | 83.2% | — | ||
| Q2 25 | -12.8% | — | ||
| Q1 25 | -16.9% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
资本支出强度AVBCSTEM
| Q4 25 | 16.0% | — | ||
| Q3 25 | 3.1% | — | ||
| Q2 25 | 3.7% | — | ||
| Q1 25 | 7.2% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
现金转化率AVBCSTEM
| Q4 25 | 5.32× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | -0.60× | -0.11× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
