vs
Blue Foundry Bancorp（BLFY）与HERITAGE FINANCIAL CORP（HFWA）财务数据对比。点击上方公司名可切换其他公司
HERITAGE FINANCIAL CORP的季度营收约是Blue Foundry Bancorp的4.6倍（$58.4M vs $12.8M）。HERITAGE FINANCIAL CORP净利率更高（38.1% vs -27.4%，领先65.5%）。Blue Foundry Bancorp同比增速更快（35.2% vs 8.6%）。过去两年Blue Foundry Bancorp的营收复合增速更高（16.6% vs 6.4%）
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。
总部位于美国华盛顿州的区域性金融控股公司，面向太平洋西北地区的当地社群提供服务，核心业务涵盖商业与零售银行服务，包含存款产品、中小企业贷款、住房抵押贷款、个人信贷及财富管理解决方案，核心客群为中小微企业及个人客户。
BLFY vs HFWA — 直观对比
营收规模更大
HFWA
是对方的4.6倍
$12.8M
营收增速更快
BLFY
高出26.7%
8.6%
净利率更高
HFWA
高出65.5%
-27.4%
两年增速更快
BLFY
近两年复合增速
6.4%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $12.8M | $58.4M |
| 净利润 | $-3.5M | $22.2M |
| 毛利率 | — | — |
| 营业利润率 | — | 44.0% |
| 净利率 | -27.4% | 38.1% |
| 营收同比 | 35.2% | 8.6% |
| 净利润同比 | -30.6% | 86.4% |
| 每股收益（稀释后） | $-0.18 | $0.65 |
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BLFYHFWA
| Q4 25 | $12.8M | $58.4M | ||
| Q3 25 | $12.2M | $57.4M | ||
| Q2 25 | $11.6M | $55.0M | ||
| Q1 25 | $10.7M | $53.7M | ||
| Q4 24 | $9.5M | $53.8M | ||
| Q3 24 | $9.1M | $53.0M | ||
| Q2 24 | $9.6M | $51.1M | ||
| Q1 24 | $9.4M | $51.5M |
净利润BLFYHFWA
| Q4 25 | $-3.5M | $22.2M | ||
| Q3 25 | $-1.9M | $19.2M | ||
| Q2 25 | $-2.0M | $12.2M | ||
| Q1 25 | $-2.7M | $13.9M | ||
| Q4 24 | $-2.7M | $11.9M | ||
| Q3 24 | $-4.0M | $11.4M | ||
| Q2 24 | $-2.3M | $14.2M | ||
| Q1 24 | $-2.8M | $5.7M |
营业利润率BLFYHFWA
| Q4 25 | — | 44.0% | ||
| Q3 25 | — | 38.9% | ||
| Q2 25 | — | 26.3% | ||
| Q1 25 | — | 30.1% | ||
| Q4 24 | — | 30.4% | ||
| Q3 24 | — | 24.7% | ||
| Q2 24 | — | 31.3% | ||
| Q1 24 | — | 13.3% |
净利率BLFYHFWA
| Q4 25 | -27.4% | 38.1% | ||
| Q3 25 | -15.3% | 33.4% | ||
| Q2 25 | -16.8% | 22.2% | ||
| Q1 25 | -25.1% | 25.9% | ||
| Q4 24 | -28.4% | 22.2% | ||
| Q3 24 | -44.5% | 21.6% | ||
| Q2 24 | -24.5% | 27.7% | ||
| Q1 24 | -30.1% | 11.2% |
每股收益（稀释后）BLFYHFWA
| Q4 25 | $-0.18 | $0.65 | ||
| Q3 25 | $-0.10 | $0.55 | ||
| Q2 25 | $-0.10 | $0.36 | ||
| Q1 25 | $-0.13 | $0.40 | ||
| Q4 24 | $-0.12 | $0.34 | ||
| Q3 24 | $-0.19 | $0.33 | ||
| Q2 24 | $-0.11 | $0.41 | ||
| Q1 24 | $-0.13 | $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 | $53.1M | $233.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $312.7M | $921.5M |
| 总资产 | $2.2B | $7.0B |
| 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BLFYHFWA
| Q4 25 | $53.1M | $233.1M | ||
| Q3 25 | $44.1M | $245.5M | ||
| Q2 25 | $41.9M | $254.1M | ||
| Q1 25 | $46.2M | $248.7M | ||
| Q4 24 | $42.5M | $117.1M | ||
| Q3 24 | $76.1M | $175.6M | ||
| Q2 24 | $60.3M | $113.8M | ||
| Q1 24 | $53.8M | $189.6M |
股东权益BLFYHFWA
| Q4 25 | $312.7M | $921.5M | ||
| Q3 25 | $314.4M | $904.1M | ||
| Q2 25 | $321.3M | $888.2M | ||
| Q1 25 | $326.7M | $881.5M | ||
| Q4 24 | $332.2M | $863.5M | ||
| Q3 24 | $339.3M | $874.5M | ||
| Q2 24 | $345.6M | $850.5M | ||
| Q1 24 | $350.2M | $847.6M |
总资产BLFYHFWA
| Q4 25 | $2.2B | $7.0B | ||
| Q3 25 | $2.2B | $7.0B | ||
| Q2 25 | $2.1B | $7.1B | ||
| Q1 25 | $2.1B | $7.1B | ||
| Q4 24 | $2.1B | $7.1B | ||
| Q3 24 | $2.1B | $7.2B | ||
| Q2 24 | $2.0B | $7.1B | ||
| Q1 24 | $2.0B | $7.1B |
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 | $28.0M |
| 自由现金流经营现金流 - 资本支出 | — | $22.3M |
| 自由现金流率自由现金流/营收 | — | 38.2% |
| 资本支出强度资本支出/营收 | — | 9.8% |
| 现金转化率经营现金流/净利润 | — | 1.26× |
| 过去12个月自由现金流最近4个季度 | — | $85.7M |
8季度趋势，按日历期对齐
经营现金流BLFYHFWA
| Q4 25 | $-6.0M | $28.0M | ||
| Q3 25 | $-255.0K | $25.1M | ||
| Q2 25 | $2.0M | $22.5M | ||
| Q1 25 | $-3.8M | $19.3M | ||
| Q4 24 | $-512.0K | $20.6M | ||
| Q3 24 | $-3.7M | $24.2M | ||
| Q2 24 | $14.1M | $6.8M | ||
| Q1 24 | $-4.9M | $12.9M |
自由现金流BLFYHFWA
| Q4 25 | — | $22.3M | ||
| Q3 25 | — | $24.4M | ||
| Q2 25 | — | $20.9M | ||
| Q1 25 | — | $18.1M | ||
| Q4 24 | — | $19.8M | ||
| Q3 24 | — | $23.2M | ||
| Q2 24 | — | $6.0M | ||
| Q1 24 | $-4.9M | $12.0M |
自由现金流率BLFYHFWA
| Q4 25 | — | 38.2% | ||
| Q3 25 | — | 42.5% | ||
| Q2 25 | — | 38.0% | ||
| Q1 25 | — | 33.7% | ||
| Q4 24 | — | 36.9% | ||
| Q3 24 | — | 43.9% | ||
| Q2 24 | — | 11.7% | ||
| Q1 24 | -51.7% | 23.3% |
资本支出强度BLFYHFWA
| Q4 25 | — | 9.8% | ||
| Q3 25 | — | 1.2% | ||
| Q2 25 | — | 2.9% | ||
| Q1 25 | — | 2.2% | ||
| Q4 24 | — | 1.5% | ||
| Q3 24 | — | 1.8% | ||
| Q2 24 | — | 1.6% | ||
| Q1 24 | 0.1% | 1.7% |
现金转化率BLFYHFWA
| Q4 25 | — | 1.26× | ||
| Q3 25 | — | 1.31× | ||
| Q2 25 | — | 1.84× | ||
| Q1 25 | — | 1.38× | ||
| Q4 24 | — | 1.73× | ||
| Q3 24 | — | 2.12× | ||
| Q2 24 | — | 0.48× | ||
| Q1 24 | — | 2.24× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
