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BCB BANCORP INC（BCBP）与Columbia Financial, Inc.（CLBK）财务数据对比。点击上方公司名可切换其他公司
Columbia Financial, Inc.的季度营收约是BCB BANCORP INC的2.5倍（$60.2M vs $24.2M）。Columbia Financial, Inc.净利率更高（26.1% vs -49.7%，领先75.7%）。Columbia Financial, Inc.同比增速更快（29.7% vs 9.1%）。Columbia Financial, Inc.自由现金流更多（$22.0M vs $11.5M）。过去两年Columbia Financial, Inc.的营收复合增速更高（19.5% vs 2.3%）
哥伦比亚金融公司（CLBK）是一家美国多元化金融服务及银行控股企业，提供财富管理、资产管理、保险、年金、遗产规划在内的全方位金融规划产品与服务，满足客户不同阶段的财务规划需求。
BCBP vs CLBK — 直观对比
营收规模更大
CLBK
是对方的2.5倍
$24.2M
营收增速更快
CLBK
高出20.6%
9.1%
净利率更高
CLBK
高出75.7%
-49.7%
自由现金流更多
CLBK
多$10.5M
$11.5M
两年增速更快
CLBK
近两年复合增速
2.3%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $24.2M | $60.2M |
| 净利润 | $-12.0M | $15.7M |
| 毛利率 | — | — |
| 营业利润率 | -71.9% | 32.6% |
| 净利率 | -49.7% | 26.1% |
| 营收同比 | 9.1% | 29.7% |
| 净利润同比 | -467.6% | 173.9% |
| 每股收益（稀释后） | $-0.73 | $0.15 |
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BCBPCLBK
| Q4 25 | $24.2M | $60.2M | ||
| Q3 25 | $23.7M | $57.4M | ||
| Q2 25 | $23.1M | $53.7M | ||
| Q1 25 | $22.0M | $50.3M | ||
| Q4 24 | $22.2M | $46.4M | ||
| Q3 24 | $23.0M | $45.3M | ||
| Q2 24 | $23.6M | $44.1M | ||
| Q1 24 | $23.1M | $42.2M |
净利润BCBPCLBK
| Q4 25 | $-12.0M | $15.7M | ||
| Q3 25 | $4.3M | $14.9M | ||
| Q2 25 | $3.6M | $12.3M | ||
| Q1 25 | $-8.3M | $8.9M | ||
| Q4 24 | $3.3M | $-21.2M | ||
| Q3 24 | $6.7M | $6.2M | ||
| Q2 24 | $2.8M | $4.5M | ||
| Q1 24 | $5.9M | $-1.2M |
营业利润率BCBPCLBK
| Q4 25 | -71.9% | 32.6% | ||
| Q3 25 | 24.5% | 34.5% | ||
| Q2 25 | 21.7% | 30.7% | ||
| Q1 25 | -53.2% | 23.9% | ||
| Q4 24 | 20.8% | -57.6% | ||
| Q3 24 | 40.6% | 16.2% | ||
| Q2 24 | 16.8% | 10.9% | ||
| Q1 24 | 36.0% | -3.0% |
净利率BCBPCLBK
| Q4 25 | -49.7% | 26.1% | ||
| Q3 25 | 18.0% | 25.9% | ||
| Q2 25 | 15.4% | 22.9% | ||
| Q1 25 | -37.8% | 17.7% | ||
| Q4 24 | 14.7% | -45.7% | ||
| Q3 24 | 28.9% | 13.7% | ||
| Q2 24 | 11.9% | 10.3% | ||
| Q1 24 | 25.3% | -2.7% |
每股收益（稀释后）BCBPCLBK
| Q4 25 | $-0.73 | $0.15 | ||
| Q3 25 | $0.22 | $0.15 | ||
| Q2 25 | $0.18 | $0.12 | ||
| Q1 25 | $-0.51 | $0.09 | ||
| Q4 24 | $0.17 | $-0.20 | ||
| Q3 24 | $0.36 | $0.06 | ||
| Q2 24 | $0.14 | $0.04 | ||
| Q1 24 | $0.32 | $-0.01 |
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 | — | $340.8M |
| 总债务越低越好 | — | $1.2B |
| 股东权益账面价值 | $304.3M | $1.2B |
| 总资产 | $3.3B | $11.0B |
| 负债/权益比越低杠杆越低 | — | 1.02× |
8季度趋势，按日历期对齐
现金及短期投资BCBPCLBK
| Q4 25 | — | $340.8M | ||
| Q3 25 | — | $253.4M | ||
| Q2 25 | — | $248.2M | ||
| Q1 25 | — | $256.1M | ||
| Q4 24 | — | $289.2M | ||
| Q3 24 | — | $283.5M | ||
| Q2 24 | — | $391.1M | ||
| Q1 24 | — | $373.5M |
总债务BCBPCLBK
| Q4 25 | — | $1.2B | ||
| Q3 25 | — | $1.3B | ||
| Q2 25 | — | $1.3B | ||
| Q1 25 | — | $1.1B | ||
| Q4 24 | — | $1.1B | ||
| Q3 24 | — | $1.4B | ||
| Q2 24 | — | $1.7B | ||
| Q1 24 | — | $1.5B |
股东权益BCBPCLBK
| Q4 25 | $304.3M | $1.2B | ||
| Q3 25 | $318.5M | $1.1B | ||
| Q2 25 | $315.7M | $1.1B | ||
| Q1 25 | $314.7M | $1.1B | ||
| Q4 24 | $323.9M | $1.1B | ||
| Q3 24 | $328.1M | $1.1B | ||
| Q2 24 | $320.7M | $1.0B | ||
| Q1 24 | $320.1M | $1.0B |
总资产BCBPCLBK
| Q4 25 | $3.3B | $11.0B | ||
| Q3 25 | $3.4B | $10.9B | ||
| Q2 25 | $3.4B | $10.7B | ||
| Q1 25 | $3.5B | $10.6B | ||
| Q4 24 | $3.6B | $10.5B | ||
| Q3 24 | $3.6B | $10.7B | ||
| Q2 24 | $3.8B | $10.8B | ||
| Q1 24 | $3.8B | $10.6B |
负债/权益比BCBPCLBK
| Q4 25 | — | 1.02× | ||
| Q3 25 | — | 1.11× | ||
| Q2 25 | — | 1.14× | ||
| Q1 25 | — | 1.01× | ||
| Q4 24 | — | 1.00× | ||
| Q3 24 | — | 1.32× | ||
| Q2 24 | — | 1.61× | ||
| Q1 24 | — | 1.47× |
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 | $11.8M | $24.4M |
| 自由现金流经营现金流 - 资本支出 | $11.5M | $22.0M |
| 自由现金流率自由现金流/营收 | 47.6% | 36.5% |
| 资本支出强度资本支出/营收 | 1.3% | 3.9% |
| 现金转化率经营现金流/净利润 | — | 1.55× |
| 过去12个月自由现金流最近4个季度 | $34.9M | $58.6M |
8季度趋势，按日历期对齐
经营现金流BCBPCLBK
| Q4 25 | $11.8M | $24.4M | ||
| Q3 25 | $8.7M | $31.0M | ||
| Q2 25 | $10.3M | $14.6M | ||
| Q1 25 | $5.0M | $-1.6M | ||
| Q4 24 | $7.8M | $28.9M | ||
| Q3 24 | $43.5M | $-28.3M | ||
| Q2 24 | $8.1M | $18.6M | ||
| Q1 24 | $8.3M | $14.1M |
自由现金流BCBPCLBK
| Q4 25 | $11.5M | $22.0M | ||
| Q3 25 | $8.5M | $28.1M | ||
| Q2 25 | $10.2M | $12.9M | ||
| Q1 25 | $4.7M | $-4.5M | ||
| Q4 24 | $6.8M | $27.3M | ||
| Q3 24 | $43.4M | $-31.1M | ||
| Q2 24 | $8.1M | $17.2M | ||
| Q1 24 | $8.1M | $12.5M |
自由现金流率BCBPCLBK
| Q4 25 | 47.6% | 36.5% | ||
| Q3 25 | 35.7% | 49.0% | ||
| Q2 25 | 44.1% | 24.1% | ||
| Q1 25 | 21.4% | -8.9% | ||
| Q4 24 | 30.8% | 58.8% | ||
| Q3 24 | 188.5% | -68.6% | ||
| Q2 24 | 34.2% | 39.0% | ||
| Q1 24 | 35.2% | 29.5% |
资本支出强度BCBPCLBK
| Q4 25 | 1.3% | 3.9% | ||
| Q3 25 | 1.2% | 4.9% | ||
| Q2 25 | 0.7% | 3.2% | ||
| Q1 25 | 1.3% | 5.8% | ||
| Q4 24 | 4.3% | 3.5% | ||
| Q3 24 | 0.4% | 6.1% | ||
| Q2 24 | 0.2% | 3.1% | ||
| Q1 24 | 0.6% | 4.0% |
现金转化率BCBPCLBK
| Q4 25 | — | 1.55× | ||
| Q3 25 | 2.05× | 2.08× | ||
| Q2 25 | 2.90× | 1.19× | ||
| Q1 25 | — | -0.18× | ||
| Q4 24 | 2.38× | — | ||
| Q3 24 | 6.53× | -4.57× | ||
| Q2 24 | 2.88× | 4.09× | ||
| Q1 24 | 1.41× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
