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Blue Foundry Bancorp（BLFY）与ECB Bancorp, Inc.（ECBK）财务数据对比。点击上方公司名可切换其他公司
Blue Foundry Bancorp的季度营收约是ECB Bancorp, Inc.的1.4倍（$12.8M vs $9.2M）。ECB Bancorp, Inc.净利率更高（28.4% vs -27.4%，领先55.7%）。Blue Foundry Bancorp同比增速更快（35.2% vs 35.0%）。过去两年ECB Bancorp, Inc.的营收复合增速更高（24.5% vs 16.6%）
Blue Foundry Bancorp是总部位于美国新泽西州的区域银行控股公司，主要面向当地个人消费者与中小企业，提供存款账户、消费贷款、住房按揭、商业融资等全方位的个人及商业银行服务。
ECB Bancorp（马里兰州）是一家美国银行控股公司，主要面向马里兰州本地市场的个人客户和中小型企业提供存款账户、消费贷款、商业融资、财富管理等各类零售及商业银行业务。
BLFY vs ECBK — 直观对比
营收规模更大
BLFY
是对方的1.4倍
$9.2M
营收增速更快
BLFY
高出0.2%
35.0%
净利率更高
ECBK
高出55.7%
-27.4%
两年增速更快
ECBK
近两年复合增速
16.6%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $12.8M | $9.2M |
| 净利润 | $-3.5M | $2.6M |
| 毛利率 | — | — |
| 营业利润率 | — | 38.1% |
| 净利率 | -27.4% | 28.4% |
| 营收同比 | 35.2% | 35.0% |
| 净利润同比 | -30.6% | 79.5% |
| 每股收益（稀释后） | $-0.18 | $0.32 |
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BLFYECBK
| Q4 25 | $12.8M | $9.2M | ||
| Q3 25 | $12.2M | $8.5M | ||
| Q2 25 | $11.6M | $7.7M | ||
| Q1 25 | $10.7M | $6.6M | ||
| Q4 24 | $9.5M | $6.8M | ||
| Q3 24 | $9.1M | $6.3M | ||
| Q2 24 | $9.6M | $6.0M | ||
| Q1 24 | $9.4M | $5.9M |
净利润BLFYECBK
| Q4 25 | $-3.5M | $2.6M | ||
| Q3 25 | $-1.9M | $2.4M | ||
| Q2 25 | $-2.0M | $1.4M | ||
| Q1 25 | $-2.7M | $1.3M | ||
| Q4 24 | $-2.7M | $1.4M | ||
| Q3 24 | $-4.0M | $1.1M | ||
| Q2 24 | $-2.3M | $791.0K | ||
| Q1 24 | $-2.8M | $621.0K |
营业利润率BLFYECBK
| Q4 25 | — | 38.1% | ||
| Q3 25 | — | 38.5% | ||
| Q2 25 | — | 25.0% | ||
| Q1 25 | — | 25.9% | ||
| Q4 24 | — | 28.6% | ||
| Q3 24 | — | 24.4% | ||
| Q2 24 | — | 17.7% | ||
| Q1 24 | — | 14.1% |
净利率BLFYECBK
| Q4 25 | -27.4% | 28.4% | ||
| Q3 25 | -15.3% | 28.8% | ||
| Q2 25 | -16.8% | 18.8% | ||
| Q1 25 | -25.1% | 19.5% | ||
| Q4 24 | -28.4% | 21.3% | ||
| Q3 24 | -44.5% | 18.0% | ||
| Q2 24 | -24.5% | 13.2% | ||
| Q1 24 | -30.1% | 10.5% |
每股收益（稀释后）BLFYECBK
| Q4 25 | $-0.18 | $0.32 | ||
| Q3 25 | $-0.10 | $0.29 | ||
| Q2 25 | $-0.10 | $0.17 | ||
| Q1 25 | $-0.13 | $0.16 | ||
| Q4 24 | $-0.12 | $0.18 | ||
| Q3 24 | $-0.19 | $0.14 | ||
| Q2 24 | $-0.11 | $0.09 | ||
| Q1 24 | $-0.13 | $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 | $53.1M | $82.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $312.7M | $171.9M |
| 总资产 | $2.2B | $1.6B |
| 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BLFYECBK
| Q4 25 | $53.1M | $82.8M | ||
| Q3 25 | $44.1M | $201.9M | ||
| Q2 25 | $41.9M | $191.0M | ||
| Q1 25 | $46.2M | $143.7M | ||
| Q4 24 | $42.5M | $309.4M | ||
| Q3 24 | $76.1M | $114.8M | ||
| Q2 24 | $60.3M | $108.7M | ||
| Q1 24 | $53.8M | $109.8M |
股东权益BLFYECBK
| Q4 25 | $312.7M | $171.9M | ||
| Q3 25 | $314.4M | $169.3M | ||
| Q2 25 | $321.3M | $168.3M | ||
| Q1 25 | $326.7M | $168.6M | ||
| Q4 24 | $332.2M | $168.3M | ||
| Q3 24 | $339.3M | $166.0M | ||
| Q2 24 | $345.6M | $166.5M | ||
| Q1 24 | $350.2M | $165.8M |
总资产BLFYECBK
| Q4 25 | $2.2B | $1.6B | ||
| Q3 25 | $2.2B | $1.6B | ||
| Q2 25 | $2.1B | $1.5B | ||
| Q1 25 | $2.1B | $1.5B | ||
| Q4 24 | $2.1B | $1.4B | ||
| Q3 24 | $2.1B | $1.4B | ||
| Q2 24 | $2.0B | $1.3B | ||
| Q1 24 | $2.0B | $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 | $-6.0M | $3.9M |
| 自由现金流经营现金流 - 资本支出 | — | $3.9M |
| 自由现金流率自由现金流/营收 | — | 42.1% |
| 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 | — | 1.51× |
| 过去12个月自由现金流最近4个季度 | — | $9.0M |
8季度趋势，按日历期对齐
经营现金流BLFYECBK
| Q4 25 | $-6.0M | $3.9M | ||
| Q3 25 | $-255.0K | $4.0M | ||
| Q2 25 | $2.0M | $1.9M | ||
| Q1 25 | $-3.8M | $-631.0K | ||
| Q4 24 | $-512.0K | $4.4M | ||
| Q3 24 | $-3.7M | $861.0K | ||
| Q2 24 | $14.1M | $1.4M | ||
| Q1 24 | $-4.9M | $-429.0K |
自由现金流BLFYECBK
| Q4 25 | — | $3.9M | ||
| Q3 25 | — | $4.0M | ||
| Q2 25 | — | $1.8M | ||
| Q1 25 | — | $-649.0K | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $1.3M | ||
| Q1 24 | $-4.9M | $-449.0K |
自由现金流率BLFYECBK
| Q4 25 | — | 42.1% | ||
| Q3 25 | — | 46.8% | ||
| Q2 25 | — | 24.1% | ||
| Q1 25 | — | -9.8% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 22.4% | ||
| Q1 24 | -51.7% | -7.6% |
资本支出强度BLFYECBK
| Q4 25 | — | 0.8% | ||
| Q3 25 | — | 0.8% | ||
| Q2 25 | — | 0.7% | ||
| Q1 25 | — | 0.3% | ||
| Q4 24 | — | 0.0% | ||
| Q3 24 | — | 0.0% | ||
| Q2 24 | — | 0.7% | ||
| Q1 24 | 0.1% | 0.3% |
现金转化率BLFYECBK
| Q4 25 | — | 1.51× | ||
| Q3 25 | — | 1.65× | ||
| Q2 25 | — | 1.32× | ||
| Q1 25 | — | -0.49× | ||
| Q4 24 | — | 3.05× | ||
| Q3 24 | — | 0.76× | ||
| Q2 24 | — | 1.75× | ||
| Q1 24 | — | -0.69× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
