vs
Bogota Financial Corp.（BSBK）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Bogota Financial Corp.的13.6倍（$58.4M vs $4.3M）。HERITAGE FINANCIAL CORP净利率更高（38.1% vs 15.9%，领先22.2%）。Bogota Financial Corp.同比增速更快（71.6% vs 8.6%）。HERITAGE FINANCIAL CORP自由现金流更多（$22.3M vs $988.0K）。过去两年Bogota Financial Corp.的营收复合增速更高（27.2% vs 6.4%）
波哥大金融公司是总部位于美国新泽西州的银行控股企业，旗下运营波哥大储蓄银行，为新泽西州及周边区域的零售客户和小微企业提供存款账户、住房抵押贷款、消费贷款、商业融资等全方位银行服务。
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。
BSBK vs HFWA — 直观对比
营收规模更大
HFWA
是对方的13.6倍
$4.3M
营收增速更快
BSBK
高出63.1%
8.6%
净利率更高
HFWA
高出22.2%
15.9%
自由现金流更多
HFWA
多$21.3M
$988.0K
两年增速更快
BSBK
近两年复合增速
6.4%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $4.3M | $58.4M |
| 净利润 | $680.8K | $22.2M |
| 毛利率 | — | — |
| 营业利润率 | 15.6% | 44.0% |
| 净利率 | 15.9% | 38.1% |
| 营收同比 | 71.6% | 8.6% |
| 净利润同比 | 173.2% | 86.4% |
| 每股收益（稀释后） | $0.05 | $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BSBKHFWA
| Q4 25 | $4.3M | $58.4M | ||
| Q3 25 | $3.9M | $57.4M | ||
| Q2 25 | $3.7M | $55.0M | ||
| Q1 25 | $3.6M | $53.7M | ||
| Q4 24 | $2.5M | $53.8M | ||
| Q3 24 | $2.7M | $53.0M | ||
| Q2 24 | $2.7M | $51.1M | ||
| Q1 24 | $2.7M | $51.5M |
净利润BSBKHFWA
| Q4 25 | $680.8K | $22.2M | ||
| Q3 25 | $454.6K | $19.2M | ||
| Q2 25 | $224.4K | $12.2M | ||
| Q1 25 | $730.9K | $13.9M | ||
| Q4 24 | $-930.0K | $11.9M | ||
| Q3 24 | $-367.0K | $11.4M | ||
| Q2 24 | $-432.5K | $14.2M | ||
| Q1 24 | $-441.0K | $5.7M |
营业利润率BSBKHFWA
| Q4 25 | 15.6% | 44.0% | ||
| Q3 25 | 13.5% | 38.9% | ||
| Q2 25 | 4.7% | 26.3% | ||
| Q1 25 | 19.6% | 30.1% | ||
| Q4 24 | -19.2% | 30.4% | ||
| Q3 24 | -23.3% | 24.7% | ||
| Q2 24 | -26.0% | 31.3% | ||
| Q1 24 | -27.5% | 13.3% |
净利率BSBKHFWA
| Q4 25 | 15.9% | 38.1% | ||
| Q3 25 | 11.7% | 33.4% | ||
| Q2 25 | 6.1% | 22.2% | ||
| Q1 25 | 20.3% | 25.9% | ||
| Q4 24 | -37.2% | 22.2% | ||
| Q3 24 | -13.8% | 21.6% | ||
| Q2 24 | -15.8% | 27.7% | ||
| Q1 24 | -16.6% | 11.2% |
每股收益（稀释后）BSBKHFWA
| Q4 25 | $0.05 | $0.65 | ||
| Q3 25 | $0.04 | $0.55 | ||
| Q2 25 | $0.02 | $0.36 | ||
| Q1 25 | $0.06 | $0.40 | ||
| Q4 24 | $-0.08 | $0.34 | ||
| Q3 24 | $-0.03 | $0.33 | ||
| Q2 24 | $-0.03 | $0.41 | ||
| Q1 24 | $-0.03 | $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 | $35.6M | $233.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $140.9M | $921.5M |
| 总资产 | $904.9M | $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BSBKHFWA
| Q4 25 | $35.6M | $233.1M | ||
| Q3 25 | $31.2M | $245.5M | ||
| Q2 25 | $20.3M | $254.1M | ||
| Q1 25 | $25.6M | $248.7M | ||
| Q4 24 | $52.2M | $117.1M | ||
| Q3 24 | $21.0M | $175.6M | ||
| Q2 24 | $17.6M | $113.8M | ||
| Q1 24 | $14.4M | $189.6M |
股东权益BSBKHFWA
| Q4 25 | $140.9M | $921.5M | ||
| Q3 25 | $140.7M | $904.1M | ||
| Q2 25 | $138.4M | $888.2M | ||
| Q1 25 | $138.3M | $881.5M | ||
| Q4 24 | $137.3M | $863.5M | ||
| Q3 24 | $136.9M | $874.5M | ||
| Q2 24 | $136.3M | $850.5M | ||
| Q1 24 | $136.4M | $847.6M |
总资产BSBKHFWA
| Q4 25 | $904.9M | $7.0B | ||
| Q3 25 | $925.8M | $7.0B | ||
| Q2 25 | $921.8M | $7.1B | ||
| Q1 25 | $930.2M | $7.1B | ||
| Q4 24 | $971.5M | $7.1B | ||
| Q3 24 | $978.9M | $7.2B | ||
| Q2 24 | $974.7M | $7.1B | ||
| Q1 24 | $960.9M | $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 | $1.0M | $28.0M |
| 自由现金流经营现金流 - 资本支出 | $988.0K | $22.3M |
| 自由现金流率自由现金流/营收 | 23.0% | 38.2% |
| 资本支出强度资本支出/营收 | 0.4% | 9.8% |
| 现金转化率经营现金流/净利润 | 1.48× | 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BSBKHFWA
| Q4 25 | $1.0M | $28.0M | ||
| Q3 25 | $292.5K | $25.1M | ||
| Q2 25 | $1.9M | $22.5M | ||
| Q1 25 | $-16.0K | $19.3M | ||
| Q4 24 | $-1.0M | $20.6M | ||
| Q3 24 | $-287.9K | $24.2M | ||
| Q2 24 | $1.7M | $6.8M | ||
| Q1 24 | $-2.9M | $12.9M |
自由现金流BSBKHFWA
| Q4 25 | $988.0K | $22.3M | ||
| Q3 25 | $277.1K | $24.4M | ||
| Q2 25 | — | $20.9M | ||
| Q1 25 | $-52.2K | $18.1M | ||
| Q4 24 | $-1.1M | $19.8M | ||
| Q3 24 | $-330.9K | $23.2M | ||
| Q2 24 | $1.4M | $6.0M | ||
| Q1 24 | $-3.1M | $12.0M |
自由现金流率BSBKHFWA
| Q4 25 | 23.0% | 38.2% | ||
| Q3 25 | 7.1% | 42.5% | ||
| Q2 25 | — | 38.0% | ||
| Q1 25 | -1.5% | 33.7% | ||
| Q4 24 | -43.8% | 36.9% | ||
| Q3 24 | -12.5% | 43.9% | ||
| Q2 24 | 51.6% | 11.7% | ||
| Q1 24 | -118.7% | 23.3% |
资本支出强度BSBKHFWA
| Q4 25 | 0.4% | 9.8% | ||
| Q3 25 | 0.4% | 1.2% | ||
| Q2 25 | 0.0% | 2.9% | ||
| Q1 25 | 1.0% | 2.2% | ||
| Q4 24 | 2.1% | 1.5% | ||
| Q3 24 | 1.6% | 1.8% | ||
| Q2 24 | 8.5% | 1.6% | ||
| Q1 24 | 10.0% | 1.7% |
现金转化率BSBKHFWA
| Q4 25 | 1.48× | 1.26× | ||
| Q3 25 | 0.64× | 1.31× | ||
| Q2 25 | 8.56× | 1.84× | ||
| Q1 25 | -0.02× | 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
