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BCB BANCORP INC（BCBP）与TFS Financial CORP（TFSL）财务数据对比。点击上方公司名可切换其他公司
TFS Financial CORP的季度营收约是BCB BANCORP INC的3.1倍（$75.7M vs $24.2M）。TFS Financial CORP净利率更高（29.4% vs -49.7%，领先79.1%）。TFS Financial CORP同比增速更快（10.8% vs 9.1%）。TFS Financial CORP自由现金流更多（$57.1M vs $11.5M）。过去两年TFS Financial CORP的营收复合增速更高（3.0% vs 2.3%）
TFS金融公司是一家总部位于美国的金融控股企业，主要通过旗下零售银行子公司开展业务，提供住房抵押贷款、储蓄账户及其他消费金融产品，核心客群主要分布于俄亥俄州和佛罗里达州，以个人及家庭客户为服务重心。
BCBP vs TFSL — 直观对比
营收规模更大
TFSL
是对方的3.1倍
$24.2M
营收增速更快
TFSL
高出1.6%
9.1%
净利率更高
TFSL
高出79.1%
-49.7%
自由现金流更多
TFSL
多$45.6M
$11.5M
两年增速更快
TFSL
近两年复合增速
2.3%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $24.2M | $75.7M |
| 净利润 | $-12.0M | $22.3M |
| 毛利率 | — | — |
| 营业利润率 | -71.9% | 37.7% |
| 净利率 | -49.7% | 29.4% |
| 营收同比 | 9.1% | 10.8% |
| 净利润同比 | -467.6% | -0.7% |
| 每股收益（稀释后） | $-0.73 | $0.08 |
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BCBPTFSL
| Q4 25 | $24.2M | $75.7M | ||
| Q3 25 | $23.7M | $77.3M | ||
| Q2 25 | $23.1M | $75.0M | ||
| Q1 25 | $22.0M | $72.0M | ||
| Q4 24 | $22.2M | $68.3M | ||
| Q3 24 | $23.0M | $68.7M | ||
| Q2 24 | $23.6M | $69.3M | ||
| Q1 24 | $23.1M | $71.4M |
净利润BCBPTFSL
| Q4 25 | $-12.0M | $22.3M | ||
| Q3 25 | $4.3M | $26.0M | ||
| Q2 25 | $3.6M | $21.5M | ||
| Q1 25 | $-8.3M | $21.0M | ||
| Q4 24 | $3.3M | $22.4M | ||
| Q3 24 | $6.7M | $18.2M | ||
| Q2 24 | $2.8M | $20.0M | ||
| Q1 24 | $5.9M | $20.7M |
营业利润率BCBPTFSL
| Q4 25 | -71.9% | 37.7% | ||
| Q3 25 | 24.5% | 42.0% | ||
| Q2 25 | 21.7% | 36.5% | ||
| Q1 25 | -53.2% | 36.8% | ||
| Q4 24 | 20.8% | 41.5% | ||
| Q3 24 | 40.6% | 33.5% | ||
| Q2 24 | 16.8% | 36.4% | ||
| Q1 24 | 36.0% | 36.3% |
净利率BCBPTFSL
| Q4 25 | -49.7% | 29.4% | ||
| Q3 25 | 18.0% | 33.6% | ||
| Q2 25 | 15.4% | 28.7% | ||
| Q1 25 | -37.8% | 29.2% | ||
| Q4 24 | 14.7% | 32.8% | ||
| Q3 24 | 28.9% | 26.5% | ||
| Q2 24 | 11.9% | 28.8% | ||
| Q1 24 | 25.3% | 29.0% |
每股收益（稀释后）BCBPTFSL
| Q4 25 | $-0.73 | $0.08 | ||
| Q3 25 | $0.22 | $0.09 | ||
| Q2 25 | $0.18 | $0.08 | ||
| Q1 25 | $-0.51 | $0.07 | ||
| Q4 24 | $0.17 | $0.08 | ||
| Q3 24 | $0.36 | $0.07 | ||
| Q2 24 | $0.14 | $0.07 | ||
| Q1 24 | $0.32 | $0.07 |
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 | — | $456.7M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $304.3M | $1.9B |
| 总资产 | $3.3B | $17.5B |
| 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BCBPTFSL
| Q4 25 | — | $456.7M | ||
| Q3 25 | — | $429.4M | ||
| Q2 25 | — | $452.6M | ||
| Q1 25 | — | $463.6M | ||
| Q4 24 | — | $465.9M | ||
| Q3 24 | — | $463.7M | ||
| Q2 24 | — | $560.4M | ||
| Q1 24 | — | $594.3M |
股东权益BCBPTFSL
| Q4 25 | $304.3M | $1.9B | ||
| Q3 25 | $318.5M | $1.9B | ||
| Q2 25 | $315.7M | $1.9B | ||
| Q1 25 | $314.7M | $1.9B | ||
| Q4 24 | $323.9M | $1.9B | ||
| Q3 24 | $328.1M | $1.9B | ||
| Q2 24 | $320.7M | $1.9B | ||
| Q1 24 | $320.1M | $1.9B |
总资产BCBPTFSL
| Q4 25 | $3.3B | $17.5B | ||
| Q3 25 | $3.4B | $17.5B | ||
| Q2 25 | $3.4B | $17.4B | ||
| Q1 25 | $3.5B | $17.1B | ||
| Q4 24 | $3.6B | $17.1B | ||
| Q3 24 | $3.6B | $17.1B | ||
| Q2 24 | $3.8B | $17.0B | ||
| Q1 24 | $3.8B | $17.0B |
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 | $58.7M |
| 自由现金流经营现金流 - 资本支出 | $11.5M | $57.1M |
| 自由现金流率自由现金流/营收 | 47.6% | 75.4% |
| 资本支出强度资本支出/营收 | 1.3% | 2.2% |
| 现金转化率经营现金流/净利润 | — | 2.64× |
| 过去12个月自由现金流最近4个季度 | $34.9M | $83.1M |
8季度趋势，按日历期对齐
经营现金流BCBPTFSL
| Q4 25 | $11.8M | $58.7M | ||
| Q3 25 | $8.7M | $-11.1M | ||
| Q2 25 | $10.3M | $26.8M | ||
| Q1 25 | $5.0M | $21.2M | ||
| Q4 24 | $7.8M | $45.5M | ||
| Q3 24 | $43.5M | $-58.7M | ||
| Q2 24 | $8.1M | $96.7M | ||
| Q1 24 | $8.3M | $14.2M |
自由现金流BCBPTFSL
| Q4 25 | $11.5M | $57.1M | ||
| Q3 25 | $8.5M | $-13.2M | ||
| Q2 25 | $10.2M | $25.0M | ||
| Q1 25 | $4.7M | $14.3M | ||
| Q4 24 | $6.8M | $44.9M | ||
| Q3 24 | $43.4M | $-59.4M | ||
| Q2 24 | $8.1M | $95.9M | ||
| Q1 24 | $8.1M | $13.4M |
自由现金流率BCBPTFSL
| Q4 25 | 47.6% | 75.4% | ||
| Q3 25 | 35.7% | -17.1% | ||
| Q2 25 | 44.1% | 33.4% | ||
| Q1 25 | 21.4% | 19.8% | ||
| Q4 24 | 30.8% | 65.7% | ||
| Q3 24 | 188.5% | -86.4% | ||
| Q2 24 | 34.2% | 138.5% | ||
| Q1 24 | 35.2% | 18.8% |
资本支出强度BCBPTFSL
| Q4 25 | 1.3% | 2.2% | ||
| Q3 25 | 1.2% | 2.8% | ||
| Q2 25 | 0.7% | 2.3% | ||
| Q1 25 | 1.3% | 9.6% | ||
| Q4 24 | 4.3% | 0.9% | ||
| Q3 24 | 0.4% | 1.0% | ||
| Q2 24 | 0.2% | 1.2% | ||
| Q1 24 | 0.6% | 1.1% |
现金转化率BCBPTFSL
| Q4 25 | — | 2.64× | ||
| Q3 25 | 2.05× | -0.43× | ||
| Q2 25 | 2.90× | 1.24× | ||
| Q1 25 | — | 1.01× | ||
| Q4 24 | 2.38× | 2.03× | ||
| Q3 24 | 6.53× | -3.22× | ||
| Q2 24 | 2.88× | 4.85× | ||
| Q1 24 | 1.41× | 0.69× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
