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BV Financial, Inc.（BVFL）与Columbia Financial, Inc.（CLBK）财务数据对比。点击上方公司名可切换其他公司
Columbia Financial, Inc.的季度营收约是BV Financial, Inc.的6.2倍（$60.2M vs $9.8M）。BV Financial, Inc.净利率更高（49.3% vs 26.1%，领先23.2%）。Columbia Financial, Inc.同比增速更快（29.7% vs 8.2%）。Columbia Financial, Inc.自由现金流更多（$22.0M vs $3.3M）。过去两年Columbia Financial, Inc.的营收复合增速更高（19.5% vs 10.7%）
Virtu Financial是一家美国高频交易公司，于2015年在纳斯达克完成上市，是全球知名的高频交易领域金融服务企业。
哥伦比亚金融公司（CLBK）是一家美国多元化金融服务及银行控股企业，提供财富管理、资产管理、保险、年金、遗产规划在内的全方位金融规划产品与服务，满足客户不同阶段的财务规划需求。
BVFL vs CLBK — 直观对比
营收规模更大
CLBK
是对方的6.2倍
$9.8M
营收增速更快
CLBK
高出21.5%
8.2%
净利率更高
BVFL
高出23.2%
26.1%
自由现金流更多
CLBK
多$18.7M
$3.3M
两年增速更快
CLBK
近两年复合增速
10.7%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $9.8M | $60.2M |
| 净利润 | $4.8M | $15.7M |
| 毛利率 | — | — |
| 营业利润率 | 72.4% | 32.6% |
| 净利率 | 49.3% | 26.1% |
| 营收同比 | 8.2% | 29.7% |
| 净利润同比 | 146.2% | 173.9% |
| 每股收益（稀释后） | $0.52 | $0.15 |
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BVFLCLBK
| Q4 25 | $9.8M | $60.2M | ||
| Q3 25 | $9.3M | $57.4M | ||
| Q2 25 | $9.2M | $53.7M | ||
| Q1 25 | $8.6M | $50.3M | ||
| Q4 24 | $9.0M | $46.4M | ||
| Q3 24 | $9.3M | $45.3M | ||
| Q2 24 | $8.9M | $44.1M | ||
| Q1 24 | $8.0M | $42.2M |
净利润BVFLCLBK
| Q4 25 | $4.8M | $15.7M | ||
| Q3 25 | $3.7M | $14.9M | ||
| Q2 25 | $2.9M | $12.3M | ||
| Q1 25 | $2.1M | $8.9M | ||
| Q4 24 | $2.0M | $-21.2M | ||
| Q3 24 | $3.8M | $6.2M | ||
| Q2 24 | $3.4M | $4.5M | ||
| Q1 24 | $2.6M | $-1.2M |
营业利润率BVFLCLBK
| Q4 25 | 72.4% | 32.6% | ||
| Q3 25 | 55.3% | 34.5% | ||
| Q2 25 | 43.0% | 30.7% | ||
| Q1 25 | 31.2% | 23.9% | ||
| Q4 24 | 31.6% | -57.6% | ||
| Q3 24 | 56.3% | 16.2% | ||
| Q2 24 | 53.0% | 10.9% | ||
| Q1 24 | 45.2% | -3.0% |
净利率BVFLCLBK
| Q4 25 | 49.3% | 26.1% | ||
| Q3 25 | 39.9% | 25.9% | ||
| Q2 25 | 31.2% | 22.9% | ||
| Q1 25 | 24.3% | 17.7% | ||
| Q4 24 | 21.7% | -45.7% | ||
| Q3 24 | 40.8% | 13.7% | ||
| Q2 24 | 38.2% | 10.3% | ||
| Q1 24 | 32.3% | -2.7% |
每股收益（稀释后）BVFLCLBK
| Q4 25 | $0.52 | $0.15 | ||
| Q3 25 | $0.41 | $0.15 | ||
| Q2 25 | $0.29 | $0.12 | ||
| Q1 25 | $0.21 | $0.09 | ||
| Q4 24 | $0.18 | $-0.20 | ||
| Q3 24 | $0.35 | $0.06 | ||
| Q2 24 | $0.32 | $0.04 | ||
| Q1 24 | $0.24 | $-0.01 |
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 | $55.7M | $340.8M |
| 总债务越低越好 | $35.0M | $1.2B |
| 股东权益账面价值 | $183.8M | $1.2B |
| 总资产 | $912.2M | $11.0B |
| 负债/权益比越低杠杆越低 | 0.19× | 1.02× |
8季度趋势，按日历期对齐
现金及短期投资BVFLCLBK
| Q4 25 | $55.7M | $340.8M | ||
| Q3 25 | $63.5M | $253.4M | ||
| Q2 25 | $56.3M | $248.2M | ||
| Q1 25 | $70.8M | $256.1M | ||
| Q4 24 | $70.5M | $289.2M | ||
| Q3 24 | $94.1M | $283.5M | ||
| Q2 24 | $90.6M | $391.1M | ||
| Q1 24 | $78.8M | $373.5M |
总债务BVFLCLBK
| Q4 25 | $35.0M | $1.2B | ||
| Q3 25 | $35.0M | $1.3B | ||
| Q2 25 | $35.0M | $1.3B | ||
| Q1 25 | $49.9M | $1.1B | ||
| Q4 24 | $49.9M | $1.1B | ||
| Q3 24 | $34.8M | $1.4B | ||
| Q2 24 | $34.8M | $1.7B | ||
| Q1 24 | $34.8M | $1.5B |
股东权益BVFLCLBK
| Q4 25 | $183.8M | $1.2B | ||
| Q3 25 | $190.2M | $1.1B | ||
| Q2 25 | $198.0M | $1.1B | ||
| Q1 25 | $198.1M | $1.1B | ||
| Q4 24 | $195.5M | $1.1B | ||
| Q3 24 | $209.7M | $1.1B | ||
| Q2 24 | $205.5M | $1.0B | ||
| Q1 24 | $201.8M | $1.0B |
总资产BVFLCLBK
| Q4 25 | $912.2M | $11.0B | ||
| Q3 25 | $909.4M | $10.9B | ||
| Q2 25 | $908.3M | $10.7B | ||
| Q1 25 | $921.9M | $10.6B | ||
| Q4 24 | $911.8M | $10.5B | ||
| Q3 24 | $892.7M | $10.7B | ||
| Q2 24 | $897.2M | $10.8B | ||
| Q1 24 | $892.5M | $10.6B |
负债/权益比BVFLCLBK
| Q4 25 | 0.19× | 1.02× | ||
| Q3 25 | 0.18× | 1.11× | ||
| Q2 25 | 0.18× | 1.14× | ||
| Q1 25 | 0.25× | 1.01× | ||
| Q4 24 | 0.26× | 1.00× | ||
| Q3 24 | 0.17× | 1.32× | ||
| Q2 24 | 0.17× | 1.61× | ||
| Q1 24 | 0.17× | 1.47× |
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 | $3.4M | $24.4M |
| 自由现金流经营现金流 - 资本支出 | $3.3M | $22.0M |
| 自由现金流率自由现金流/营收 | 33.9% | 36.5% |
| 资本支出强度资本支出/营收 | 1.4% | 3.9% |
| 现金转化率经营现金流/净利润 | 0.72× | 1.55× |
| 过去12个月自由现金流最近4个季度 | $18.5M | $58.6M |
8季度趋势，按日历期对齐
经营现金流BVFLCLBK
| Q4 25 | $3.4M | $24.4M | ||
| Q3 25 | $8.4M | $31.0M | ||
| Q2 25 | $2.7M | $14.6M | ||
| Q1 25 | $4.4M | $-1.6M | ||
| Q4 24 | $3.9M | $28.9M | ||
| Q3 24 | $6.1M | $-28.3M | ||
| Q2 24 | $1.5M | $18.6M | ||
| Q1 24 | $4.6M | $14.1M |
自由现金流BVFLCLBK
| Q4 25 | $3.3M | $22.0M | ||
| Q3 25 | $8.4M | $28.1M | ||
| Q2 25 | $2.6M | $12.9M | ||
| Q1 25 | $4.2M | $-4.5M | ||
| Q4 24 | $3.9M | $27.3M | ||
| Q3 24 | $6.0M | $-31.1M | ||
| Q2 24 | $1.4M | $17.2M | ||
| Q1 24 | $4.1M | $12.5M |
自由现金流率BVFLCLBK
| Q4 25 | 33.9% | 36.5% | ||
| Q3 25 | 90.1% | 49.0% | ||
| Q2 25 | 28.1% | 24.1% | ||
| Q1 25 | 48.8% | -8.9% | ||
| Q4 24 | 43.5% | 58.8% | ||
| Q3 24 | 64.0% | -68.6% | ||
| Q2 24 | 16.2% | 39.0% | ||
| Q1 24 | 51.9% | 29.5% |
资本支出强度BVFLCLBK
| Q4 25 | 1.4% | 3.9% | ||
| Q3 25 | 0.1% | 4.9% | ||
| Q2 25 | 1.5% | 3.2% | ||
| Q1 25 | 2.5% | 5.8% | ||
| Q4 24 | 0.2% | 3.5% | ||
| Q3 24 | 1.1% | 6.1% | ||
| Q2 24 | 0.6% | 3.1% | ||
| Q1 24 | 5.5% | 4.0% |
现金转化率BVFLCLBK
| Q4 25 | 0.72× | 1.55× | ||
| Q3 25 | 2.26× | 2.08× | ||
| Q2 25 | 0.95× | 1.19× | ||
| Q1 25 | 2.11× | -0.18× | ||
| Q4 24 | 2.01× | — | ||
| Q3 24 | 1.60× | -4.57× | ||
| Q2 24 | 0.44× | 4.09× | ||
| Q1 24 | 1.77× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
