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Bogota Financial Corp.（BSBK）与美国合众银行（SMBC）财务数据对比。点击上方公司名可切换其他公司
美国合众银行的季度营收约是Bogota Financial Corp.的10.0倍（$42.9M vs $4.3M）。美国合众银行净利率更高（42.3% vs 15.9%，领先26.5%）。Bogota Financial Corp.同比增速更快（71.6% vs 12.4%）。美国合众银行自由现金流更多（$20.2M vs $988.0K）。过去两年Bogota Financial Corp.的营收复合增速更高（27.2% vs 11.5%）
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。
美国合众银行是一家总部位于明尼苏达州明尼阿波利斯、在特拉华州注册的美国跨国银行机构，截至2025年是美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的银行，旗下核心经营实体美国银行全国协会以U.S. Bank名义开展业务，提供银行、投资、抵押等相关金融服务。
BSBK vs SMBC — 直观对比
营收规模更大
SMBC
是对方的10.0倍
$4.3M
营收增速更快
BSBK
高出59.2%
12.4%
净利率更高
SMBC
高出26.5%
15.9%
自由现金流更多
SMBC
多$19.2M
$988.0K
两年增速更快
BSBK
近两年复合增速
11.5%
损益表 — Q4 2025 vs Q2 2026
| 指标 | | |
|---|---|---|
| 营收 | $4.3M | $42.9M |
| 净利润 | $680.8K | $18.1M |
| 毛利率 | — | — |
| 营业利润率 | 15.6% | 52.9% |
| 净利率 | 15.9% | 42.3% |
| 营收同比 | 71.6% | 12.4% |
| 净利润同比 | 173.2% | 23.9% |
| 每股收益（稀释后） | $0.05 | $1.62 |
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BSBKSMBC
| Q4 25 | $4.3M | $42.9M | ||
| Q3 25 | $3.9M | $42.4M | ||
| Q2 25 | $3.7M | $40.3M | ||
| Q1 25 | $3.6M | $39.5M | ||
| Q4 24 | $2.5M | $38.1M | ||
| Q3 24 | $2.7M | $36.7M | ||
| Q2 24 | $2.7M | $35.1M | ||
| Q1 24 | $2.7M | $34.5M |
净利润BSBKSMBC
| Q4 25 | $680.8K | $18.1M | ||
| Q3 25 | $454.6K | $15.7M | ||
| Q2 25 | $224.4K | $15.8M | ||
| Q1 25 | $730.9K | $15.7M | ||
| Q4 24 | $-930.0K | $14.7M | ||
| Q3 24 | $-367.0K | $12.5M | ||
| Q2 24 | $-432.5K | $13.5M | ||
| Q1 24 | $-441.0K | $11.3M |
营业利润率BSBKSMBC
| Q4 25 | 15.6% | 52.9% | ||
| Q3 25 | 13.5% | 45.8% | ||
| Q2 25 | 4.7% | 47.4% | ||
| Q1 25 | 19.6% | 50.2% | ||
| Q4 24 | -19.2% | 50.3% | ||
| Q3 24 | -23.3% | 43.2% | ||
| Q2 24 | -26.0% | 48.3% | ||
| Q1 24 | -27.5% | 41.0% |
净利率BSBKSMBC
| Q4 25 | 15.9% | 42.3% | ||
| Q3 25 | 11.7% | 36.9% | ||
| Q2 25 | 6.1% | 39.1% | ||
| Q1 25 | 20.3% | 39.7% | ||
| Q4 24 | -37.2% | 38.4% | ||
| Q3 24 | -13.8% | 34.0% | ||
| Q2 24 | -15.8% | 38.6% | ||
| Q1 24 | -16.6% | 32.8% |
每股收益（稀释后）BSBKSMBC
| Q4 25 | $0.05 | $1.62 | ||
| Q3 25 | $0.04 | $1.38 | ||
| Q2 25 | $0.02 | $1.39 | ||
| Q1 25 | $0.06 | $1.39 | ||
| Q4 24 | $-0.08 | $1.30 | ||
| Q3 24 | $-0.03 | $1.10 | ||
| Q2 24 | $-0.03 | $1.20 | ||
| Q1 24 | $-0.03 | $0.99 |
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 | $134.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $140.9M | $567.4M |
| 总资产 | $904.9M | $5.1B |
| 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BSBKSMBC
| Q4 25 | $35.6M | $134.1M | ||
| Q3 25 | $31.2M | $124.1M | ||
| Q2 25 | $20.3M | $192.9M | ||
| Q1 25 | $25.6M | $226.9M | ||
| Q4 24 | $52.2M | $145.8M | ||
| Q3 24 | $21.0M | $75.3M | ||
| Q2 24 | $17.6M | $60.9M | ||
| Q1 24 | $14.4M | $168.3M |
股东权益BSBKSMBC
| Q4 25 | $140.9M | $567.4M | ||
| Q3 25 | $140.7M | $560.2M | ||
| Q2 25 | $138.4M | $544.7M | ||
| Q1 25 | $138.3M | $528.8M | ||
| Q4 24 | $137.3M | $512.4M | ||
| Q3 24 | $136.9M | $505.6M | ||
| Q2 24 | $136.3M | $488.7M | ||
| Q1 24 | $136.4M | $479.6M |
总资产BSBKSMBC
| Q4 25 | $904.9M | $5.1B | ||
| Q3 25 | $925.8M | $5.0B | ||
| Q2 25 | $921.8M | $5.0B | ||
| Q1 25 | $930.2M | $5.0B | ||
| Q4 24 | $971.5M | $4.9B | ||
| Q3 24 | $978.9M | $4.7B | ||
| Q2 24 | $974.7M | $4.6B | ||
| Q1 24 | $960.9M | $4.6B |
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 | $21.3M |
| 自由现金流经营现金流 - 资本支出 | $988.0K | $20.2M |
| 自由现金流率自由现金流/营收 | 23.0% | 47.0% |
| 资本支出强度资本支出/营收 | 0.4% | 2.6% |
| 现金转化率经营现金流/净利润 | 1.48× | 1.17× |
| 过去12个月自由现金流最近4个季度 | — | $84.1M |
8季度趋势，按日历期对齐
经营现金流BSBKSMBC
| Q4 25 | $1.0M | $21.3M | ||
| Q3 25 | $292.5K | $16.3M | ||
| Q2 25 | $1.9M | $27.3M | ||
| Q1 25 | $-16.0K | $24.1M | ||
| Q4 24 | $-1.0M | $20.1M | ||
| Q3 24 | $-287.9K | $10.0M | ||
| Q2 24 | $1.7M | $15.2M | ||
| Q1 24 | $-2.9M | $23.9M |
自由现金流BSBKSMBC
| Q4 25 | $988.0K | $20.2M | ||
| Q3 25 | $277.1K | $15.4M | ||
| Q2 25 | — | $25.8M | ||
| Q1 25 | $-52.2K | $22.7M | ||
| Q4 24 | $-1.1M | $18.2M | ||
| Q3 24 | $-330.9K | $8.6M | ||
| Q2 24 | $1.4M | $13.3M | ||
| Q1 24 | $-3.1M | $19.6M |
自由现金流率BSBKSMBC
| Q4 25 | 23.0% | 47.0% | ||
| Q3 25 | 7.1% | 36.3% | ||
| Q2 25 | — | 64.1% | ||
| Q1 25 | -1.5% | 57.6% | ||
| Q4 24 | -43.8% | 47.6% | ||
| Q3 24 | -12.5% | 23.4% | ||
| Q2 24 | 51.6% | 37.9% | ||
| Q1 24 | -118.7% | 56.7% |
资本支出强度BSBKSMBC
| Q4 25 | 0.4% | 2.6% | ||
| Q3 25 | 0.4% | 2.1% | ||
| Q2 25 | 0.0% | 3.7% | ||
| Q1 25 | 1.0% | 3.5% | ||
| Q4 24 | 2.1% | 5.2% | ||
| Q3 24 | 1.6% | 3.9% | ||
| Q2 24 | 8.5% | 5.5% | ||
| Q1 24 | 10.0% | 12.5% |
现金转化率BSBKSMBC
| Q4 25 | 1.48× | 1.17× | ||
| Q3 25 | 0.64× | 1.04× | ||
| Q2 25 | 8.56× | 1.73× | ||
| Q1 25 | -0.02× | 1.54× | ||
| Q4 24 | — | 1.37× | ||
| Q3 24 | — | 0.80× | ||
| Q2 24 | — | 1.12× | ||
| Q1 24 | — | 2.11× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
