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Beacon Financial Corp（BBT）与Winchester Bancorp, Inc.（WSBK）财务数据对比。点击上方公司名可切换其他公司
Beacon Financial Corp的季度营收约是Winchester Bancorp, Inc.的21.9倍（$141.2M vs $6.4M），Winchester Bancorp, Inc.净利率更高（16.7% vs -3.0%，领先19.7%），Winchester Bancorp, Inc.同比增速更快（45.8% vs 12.4%）
倍肯屋面供应公司是北美知名的建筑材料供应商，主营住宅及非住宅类屋面产品及相关建材。截至2023年12月31日，公司在美国全部50个州和加拿大6个省共设有533个网点，员工超8000人，除屋面材料外，各地分部还销售门窗、壁板、防水材料等各类户外建筑产品。
温彻斯特银行控股公司（马里兰州）是一家区域性银行控股企业，主要在马里兰州运营社区银行网点，面向个人消费者和当地中小微企业客户提供存款账户、按揭贷款、小微企业贷款及财富管理等各类零售及商业银行服务。
BBT vs WSBK — 直观对比
营收规模更大
BBT
是对方的21.9倍
$6.4M
营收增速更快
WSBK
高出33.4%
12.4%
净利率更高
WSBK
高出19.7%
-3.0%
损益表 — Q3 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $141.2M | $6.4M |
| 净利润 | $-4.2M | $1.1M |
| 毛利率 | — | — |
| 营业利润率 | -5.9% | 20.9% |
| 净利率 | -3.0% | 16.7% |
| 营收同比 | 12.4% | 45.8% |
| 净利润同比 | -121.0% | 187.9% |
| 每股收益（稀释后） | $-0.05 | $0.12 |
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BBTWSBK
| Q4 25 | — | $6.4M | ||
| Q3 25 | $141.2M | $5.8M | ||
| Q2 25 | $113.7M | — | ||
| Q1 25 | $110.4M | $4.4M | ||
| Q4 24 | $110.2M | $4.4M | ||
| Q3 24 | $125.6M | — | ||
| Q2 24 | $108.7M | — | ||
| Q1 24 | $55.5M | — |
净利润BBTWSBK
| Q4 25 | — | $1.1M | ||
| Q3 25 | $-4.2M | $962.0K | ||
| Q2 25 | $22.0M | — | ||
| Q1 25 | $19.1M | $305.0K | ||
| Q4 24 | $17.5M | $373.0K | ||
| Q3 24 | $20.1M | — | ||
| Q2 24 | $16.4M | — | ||
| Q1 24 | $14.7M | — |
营业利润率BBTWSBK
| Q4 25 | — | 20.9% | ||
| Q3 25 | -5.9% | 22.8% | ||
| Q2 25 | 26.0% | — | ||
| Q1 25 | 23.1% | 8.5% | ||
| Q4 24 | 21.6% | 9.4% | ||
| Q3 24 | 21.3% | — | ||
| Q2 24 | 19.9% | — | ||
| Q1 24 | 35.1% | — |
净利率BBTWSBK
| Q4 25 | — | 16.7% | ||
| Q3 25 | -3.0% | 16.6% | ||
| Q2 25 | 19.4% | — | ||
| Q1 25 | 17.3% | 7.0% | ||
| Q4 24 | 15.9% | 8.4% | ||
| Q3 24 | 16.0% | — | ||
| Q2 24 | 15.1% | — | ||
| Q1 24 | 26.4% | — |
每股收益（稀释后）BBTWSBK
| Q4 25 | — | $0.12 | ||
| Q3 25 | $-0.05 | $0.11 | ||
| Q2 25 | $0.25 | — | ||
| Q1 25 | $0.21 | — | ||
| Q4 24 | $0.20 | — | ||
| Q3 24 | $0.23 | — | ||
| Q2 24 | $0.18 | — | ||
| 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 | $1.2B | $54.8M |
| 总债务越低越好 | $1.1B | — |
| 股东权益账面价值 | $2.4B | $118.2M |
| 总资产 | $22.8B | $1.0B |
| 负债/权益比越低杠杆越低 | 0.45× | — |
8季度趋势，按日历期对齐
现金及短期投资BBTWSBK
| Q4 25 | — | $54.8M | ||
| Q3 25 | $1.2B | $57.7M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $66.6M | ||
| Q4 24 | $543.7M | $41.5M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
总债务BBTWSBK
| Q4 25 | — | — | ||
| Q3 25 | $1.1B | — | ||
| Q2 25 | $225.6M | — | ||
| Q1 25 | $284.6M | — | ||
| Q4 24 | $1.5B | — | ||
| Q3 24 | $353.6M | — | ||
| Q2 24 | $278.6M | — | ||
| Q1 24 | $248.6M | — |
股东权益BBTWSBK
| Q4 25 | — | $118.2M | ||
| Q3 25 | $2.4B | $117.0M | ||
| Q2 25 | $1.3B | — | ||
| Q1 25 | $1.2B | $80.9M | ||
| Q4 24 | $1.2B | $80.3M | ||
| Q3 24 | $1.2B | — | ||
| Q2 24 | $1.2B | — | ||
| Q1 24 | $1.0B | — |
总资产BBTWSBK
| Q4 25 | — | $1.0B | ||
| Q3 25 | $22.8B | $1.0B | ||
| Q2 25 | $12.0B | — | ||
| Q1 25 | $12.0B | $923.1M | ||
| Q4 24 | $11.9B | $894.1M | ||
| Q3 24 | $11.6B | — | ||
| Q2 24 | $12.2B | — | ||
| Q1 24 | $12.1B | — |
负债/权益比BBTWSBK
| Q4 25 | — | — | ||
| Q3 25 | 0.45× | — | ||
| Q2 25 | 0.18× | — | ||
| Q1 25 | 0.24× | — | ||
| Q4 24 | 1.24× | — | ||
| Q3 24 | 0.29× | — | ||
| Q2 24 | 0.23× | — | ||
| Q1 24 | 0.25× | — |
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 | $-4.8M | $1.6M |
| 自由现金流经营现金流 - 资本支出 | $-5.9M | — |
| 自由现金流率自由现金流/营收 | -4.2% | — |
| 资本支出强度资本支出/营收 | 0.8% | — |
| 现金转化率经营现金流/净利润 | — | 1.44× |
| 过去12个月自由现金流最近4个季度 | $150.3M | — |
8季度趋势，按日历期对齐
经营现金流BBTWSBK
| Q4 25 | — | $1.6M | ||
| Q3 25 | $-4.8M | $1.4M | ||
| Q2 25 | $38.5M | — | ||
| Q1 25 | $23.3M | $848.0K | ||
| Q4 24 | $105.0M | — | ||
| Q3 24 | $19.9M | — | ||
| Q2 24 | $34.8M | — | ||
| Q1 24 | $6.9M | — |
自由现金流BBTWSBK
| Q4 25 | — | — | ||
| Q3 25 | $-5.9M | — | ||
| Q2 25 | $36.3M | — | ||
| Q1 25 | $19.9M | — | ||
| Q4 24 | $100.0M | — | ||
| Q3 24 | $17.2M | — | ||
| Q2 24 | $34.4M | — | ||
| Q1 24 | $6.6M | — |
自由现金流率BBTWSBK
| Q4 25 | — | — | ||
| Q3 25 | -4.2% | — | ||
| Q2 25 | 31.9% | — | ||
| Q1 25 | 18.0% | — | ||
| Q4 24 | 90.7% | — | ||
| Q3 24 | 13.7% | — | ||
| Q2 24 | 31.7% | — | ||
| Q1 24 | 11.9% | — |
资本支出强度BBTWSBK
| Q4 25 | — | — | ||
| Q3 25 | 0.8% | — | ||
| Q2 25 | 1.9% | — | ||
| Q1 25 | 3.1% | — | ||
| Q4 24 | 4.5% | — | ||
| Q3 24 | 2.1% | — | ||
| Q2 24 | 0.3% | — | ||
| Q1 24 | 0.4% | — |
现金转化率BBTWSBK
| Q4 25 | — | 1.44× | ||
| Q3 25 | — | 1.41× | ||
| Q2 25 | 1.75× | — | ||
| Q1 25 | 1.22× | 2.78× | ||
| Q4 24 | 5.99× | — | ||
| Q3 24 | 0.99× | — | ||
| Q2 24 | 2.12× | — | ||
| Q1 24 | 0.47× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
