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BV Financial, Inc.（BVFL）与RIVERVIEW BANCORP INC（RVSB）财务数据对比。点击上方公司名可切换其他公司
RIVERVIEW BANCORP INC的季度营收约是BV Financial, Inc.的1.3倍（$14.0M vs $10.5M），BV Financial, Inc.净利率更高（45.6% vs 9.8%，领先35.8%），RIVERVIEW BANCORP INC同比增速更快（10.4% vs 9.2%），BV Financial, Inc.自由现金流更多（$18.8M vs $-736.0K），过去两年RIVERVIEW BANCORP INC的营收复合增速更高（24.6% vs 11.1%）
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。
Riverview Bancorp Inc.是一家总部位于美国的银行控股公司，主营个人与商业银行业务，服务覆盖太平洋西北地区，提供存款、消费贷款、住房抵押贷款、商业信贷及小企业金融等产品，服务零售客户与本地企业群体。
BVFL vs RVSB — 直观对比
营收规模更大
RVSB
是对方的1.3倍
$10.5M
营收增速更快
RVSB
高出1.2%
9.2%
净利率更高
BVFL
高出35.8%
9.8%
自由现金流更多
BVFL
多$19.5M
$-736.0K
两年增速更快
RVSB
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $10.5M | $14.0M |
| 净利润 | $4.8M | $1.4M |
| 毛利率 | — | — |
| 营业利润率 | 66.9% | 12.4% |
| 净利率 | 45.6% | 9.8% |
| 营收同比 | 9.2% | 10.4% |
| 净利润同比 | 146.2% | 11.8% |
| 每股收益（稀释后） | $0.52 | $0.07 |
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BVFLRVSB
| Q4 25 | $10.5M | $14.0M | ||
| Q3 25 | $10.0M | $13.6M | ||
| Q2 25 | $9.9M | $13.3M | ||
| Q1 25 | $9.2M | $12.9M | ||
| Q4 24 | $9.7M | $12.7M | ||
| Q3 24 | $10.0M | $12.8M | ||
| Q2 24 | $9.5M | $12.2M | ||
| Q1 24 | $8.5M | $9.0M |
净利润BVFLRVSB
| Q4 25 | $4.8M | $1.4M | ||
| Q3 25 | $3.7M | $1.1M | ||
| Q2 25 | $2.9M | $1.2M | ||
| Q1 25 | $2.1M | $1.1M | ||
| Q4 24 | $2.0M | $1.2M | ||
| Q3 24 | $3.8M | $1.6M | ||
| Q2 24 | $3.4M | $966.0K | ||
| Q1 24 | $2.6M | $-3.0M |
营业利润率BVFLRVSB
| Q4 25 | 66.9% | 12.4% | ||
| Q3 25 | 51.5% | 10.2% | ||
| Q2 25 | 39.9% | 11.7% | ||
| Q1 25 | 29.4% | 11.3% | ||
| Q4 24 | 29.5% | 12.4% | ||
| Q3 24 | 52.4% | 15.5% | ||
| Q2 24 | 49.6% | 10.0% | ||
| Q1 24 | 42.1% | -47.5% |
净利率BVFLRVSB
| Q4 25 | 45.6% | 9.8% | ||
| Q3 25 | 37.2% | 8.1% | ||
| Q2 25 | 29.0% | 9.2% | ||
| Q1 25 | 22.9% | 8.9% | ||
| Q4 24 | 20.2% | 9.7% | ||
| Q3 24 | 38.0% | 12.2% | ||
| Q2 24 | 35.8% | 7.9% | ||
| Q1 24 | 30.1% | -34.7% |
每股收益（稀释后）BVFLRVSB
| Q4 25 | $0.52 | $0.07 | ||
| Q3 25 | $0.41 | $0.05 | ||
| Q2 25 | $0.29 | $0.06 | ||
| Q1 25 | $0.21 | $0.05 | ||
| Q4 24 | $0.18 | $0.06 | ||
| Q3 24 | $0.35 | $0.07 | ||
| Q2 24 | $0.32 | $0.05 | ||
| Q1 24 | $0.24 | $-0.14 |
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 | $28.6M |
| 总债务越低越好 | $35.0M | — |
| 股东权益账面价值 | $183.8M | $164.2M |
| 总资产 | $912.2M | $1.5B |
| 负债/权益比越低杠杆越低 | 0.19× | — |
8季度趋势，按日历期对齐
现金及短期投资BVFLRVSB
| Q4 25 | $55.7M | $28.6M | ||
| Q3 25 | $63.5M | $32.8M | ||
| Q2 25 | $56.3M | $34.2M | ||
| Q1 25 | $70.8M | $29.4M | ||
| Q4 24 | $70.5M | $25.3M | ||
| Q3 24 | $94.1M | $31.0M | ||
| Q2 24 | $90.6M | $27.8M | ||
| Q1 24 | $78.8M | $23.6M |
总债务BVFLRVSB
| Q4 25 | $35.0M | — | ||
| Q3 25 | $35.0M | — | ||
| Q2 25 | $35.0M | — | ||
| Q1 25 | $49.9M | — | ||
| Q4 24 | $49.9M | — | ||
| Q3 24 | $34.8M | — | ||
| Q2 24 | $34.8M | — | ||
| Q1 24 | $34.8M | — |
股东权益BVFLRVSB
| Q4 25 | $183.8M | $164.2M | ||
| Q3 25 | $190.2M | $163.5M | ||
| Q2 25 | $198.0M | $162.0M | ||
| Q1 25 | $198.1M | $160.0M | ||
| Q4 24 | $195.5M | $158.3M | ||
| Q3 24 | $209.7M | $160.8M | ||
| Q2 24 | $205.5M | $155.9M | ||
| Q1 24 | $201.8M | $155.6M |
总资产BVFLRVSB
| Q4 25 | $912.2M | $1.5B | ||
| Q3 25 | $909.4M | $1.5B | ||
| Q2 25 | $908.3M | $1.5B | ||
| Q1 25 | $921.9M | $1.5B | ||
| Q4 24 | $911.8M | $1.5B | ||
| Q3 24 | $892.7M | $1.5B | ||
| Q2 24 | $897.2M | $1.5B | ||
| Q1 24 | $892.5M | $1.5B |
负债/权益比BVFLRVSB
| Q4 25 | 0.19× | — | ||
| Q3 25 | 0.18× | — | ||
| Q2 25 | 0.18× | — | ||
| Q1 25 | 0.25× | — | ||
| Q4 24 | 0.26× | — | ||
| Q3 24 | 0.17× | — | ||
| Q2 24 | 0.17× | — | ||
| Q1 24 | 0.17× | — |
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 | $19.0M | $-506.0K |
| 自由现金流经营现金流 - 资本支出 | $18.8M | $-736.0K |
| 自由现金流率自由现金流/营收 | 178.2% | -5.2% |
| 资本支出强度资本支出/营收 | 2.2% | 1.6% |
| 现金转化率经营现金流/净利润 | 3.96× | -0.37× |
| 过去12个月自由现金流最近4个季度 | $34.0M | $20.4M |
8季度趋势，按日历期对齐
经营现金流BVFLRVSB
| Q4 25 | $19.0M | $-506.0K | ||
| Q3 25 | $8.4M | $16.8M | ||
| Q2 25 | $2.7M | $-697.0K | ||
| Q1 25 | $4.4M | $8.3M | ||
| Q4 24 | $16.1M | $2.2M | ||
| Q3 24 | $6.1M | $764.0K | ||
| Q2 24 | $1.5M | $5.4M | ||
| Q1 24 | $4.6M | $12.8M |
自由现金流BVFLRVSB
| Q4 25 | $18.8M | $-736.0K | ||
| Q3 25 | $8.4M | $16.4M | ||
| Q2 25 | $2.6M | $-773.0K | ||
| Q1 25 | $4.2M | $5.6M | ||
| Q4 24 | $15.5M | $1.9M | ||
| Q3 24 | $6.0M | $-1.4M | ||
| Q2 24 | $1.4M | $5.3M | ||
| Q1 24 | $4.1M | $7.1M |
自由现金流率BVFLRVSB
| Q4 25 | 178.2% | -5.2% | ||
| Q3 25 | 84.0% | 120.1% | ||
| Q2 25 | 26.1% | -5.8% | ||
| Q1 25 | 46.0% | 43.1% | ||
| Q4 24 | 160.0% | 15.0% | ||
| Q3 24 | 59.6% | -11.3% | ||
| Q2 24 | 15.2% | 43.7% | ||
| Q1 24 | 48.4% | 79.0% |
资本支出强度BVFLRVSB
| Q4 25 | 2.2% | 1.6% | ||
| Q3 25 | 0.1% | 2.9% | ||
| Q2 25 | 1.4% | 0.6% | ||
| Q1 25 | 2.4% | 21.0% | ||
| Q4 24 | 6.3% | 2.4% | ||
| Q3 24 | 1.0% | 17.3% | ||
| Q2 24 | 0.6% | 0.9% | ||
| Q1 24 | 5.1% | 62.0% |
现金转化率BVFLRVSB
| Q4 25 | 3.96× | -0.37× | ||
| Q3 25 | 2.26× | 15.25× | ||
| Q2 25 | 0.95× | -0.57× | ||
| Q1 25 | 2.11× | 7.20× | ||
| Q4 24 | 8.23× | 1.79× | ||
| Q3 24 | 1.60× | 0.49× | ||
| Q2 24 | 0.44× | 5.63× | ||
| 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
