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BV Financial, Inc.（BVFL）与TFS Financial CORP（TFSL）财务数据对比。点击上方公司名可切换其他公司
TFS Financial CORP的季度营收约是BV Financial, Inc.的7.8倍（$75.7M vs $9.8M）。BV Financial, Inc.净利率更高（49.3% vs 29.4%，领先19.8%）。TFS Financial CORP同比增速更快（10.8% vs 8.2%）。TFS Financial CORP自由现金流更多（$57.1M vs $3.3M）。过去两年BV Financial, Inc.的营收复合增速更高（10.7% vs 3.0%）
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。
TFS金融公司是一家总部位于美国的金融控股企业，主要通过旗下零售银行子公司开展业务，提供住房抵押贷款、储蓄账户及其他消费金融产品，核心客群主要分布于俄亥俄州和佛罗里达州，以个人及家庭客户为服务重心。
BVFL vs TFSL — 直观对比
营收规模更大
TFSL
是对方的7.8倍
$9.8M
营收增速更快
TFSL
高出2.5%
8.2%
净利率更高
BVFL
高出19.8%
29.4%
自由现金流更多
TFSL
多$53.8M
$3.3M
两年增速更快
BVFL
近两年复合增速
3.0%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $9.8M | $75.7M |
| 净利润 | $4.8M | $22.3M |
| 毛利率 | — | — |
| 营业利润率 | 72.4% | 37.7% |
| 净利率 | 49.3% | 29.4% |
| 营收同比 | 8.2% | 10.8% |
| 净利润同比 | 146.2% | -0.7% |
| 每股收益（稀释后） | $0.52 | $0.08 |
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BVFLTFSL
| Q4 25 | $9.8M | $75.7M | ||
| Q3 25 | $9.3M | $77.3M | ||
| Q2 25 | $9.2M | $75.0M | ||
| Q1 25 | $8.6M | $72.0M | ||
| Q4 24 | $9.0M | $68.3M | ||
| Q3 24 | $9.3M | $68.7M | ||
| Q2 24 | $8.9M | $69.3M | ||
| Q1 24 | $8.0M | $71.4M |
净利润BVFLTFSL
| Q4 25 | $4.8M | $22.3M | ||
| Q3 25 | $3.7M | $26.0M | ||
| Q2 25 | $2.9M | $21.5M | ||
| Q1 25 | $2.1M | $21.0M | ||
| Q4 24 | $2.0M | $22.4M | ||
| Q3 24 | $3.8M | $18.2M | ||
| Q2 24 | $3.4M | $20.0M | ||
| Q1 24 | $2.6M | $20.7M |
营业利润率BVFLTFSL
| Q4 25 | 72.4% | 37.7% | ||
| Q3 25 | 55.3% | 42.0% | ||
| Q2 25 | 43.0% | 36.5% | ||
| Q1 25 | 31.2% | 36.8% | ||
| Q4 24 | 31.6% | 41.5% | ||
| Q3 24 | 56.3% | 33.5% | ||
| Q2 24 | 53.0% | 36.4% | ||
| Q1 24 | 45.2% | 36.3% |
净利率BVFLTFSL
| Q4 25 | 49.3% | 29.4% | ||
| Q3 25 | 39.9% | 33.6% | ||
| Q2 25 | 31.2% | 28.7% | ||
| Q1 25 | 24.3% | 29.2% | ||
| Q4 24 | 21.7% | 32.8% | ||
| Q3 24 | 40.8% | 26.5% | ||
| Q2 24 | 38.2% | 28.8% | ||
| Q1 24 | 32.3% | 29.0% |
每股收益（稀释后）BVFLTFSL
| Q4 25 | $0.52 | $0.08 | ||
| Q3 25 | $0.41 | $0.09 | ||
| Q2 25 | $0.29 | $0.08 | ||
| Q1 25 | $0.21 | $0.07 | ||
| Q4 24 | $0.18 | $0.08 | ||
| Q3 24 | $0.35 | $0.07 | ||
| Q2 24 | $0.32 | $0.07 | ||
| Q1 24 | $0.24 | $0.07 |
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 | $456.7M |
| 总债务越低越好 | $35.0M | — |
| 股东权益账面价值 | $183.8M | $1.9B |
| 总资产 | $912.2M | $17.5B |
| 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BVFLTFSL
| Q4 25 | $55.7M | $456.7M | ||
| Q3 25 | $63.5M | $429.4M | ||
| Q2 25 | $56.3M | $452.6M | ||
| Q1 25 | $70.8M | $463.6M | ||
| Q4 24 | $70.5M | $465.9M | ||
| Q3 24 | $94.1M | $463.7M | ||
| Q2 24 | $90.6M | $560.4M | ||
| Q1 24 | $78.8M | $594.3M |
总债务BVFLTFSL
| 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BVFLTFSL
| Q4 25 | $183.8M | $1.9B | ||
| Q3 25 | $190.2M | $1.9B | ||
| Q2 25 | $198.0M | $1.9B | ||
| Q1 25 | $198.1M | $1.9B | ||
| Q4 24 | $195.5M | $1.9B | ||
| Q3 24 | $209.7M | $1.9B | ||
| Q2 24 | $205.5M | $1.9B | ||
| Q1 24 | $201.8M | $1.9B |
总资产BVFLTFSL
| Q4 25 | $912.2M | $17.5B | ||
| Q3 25 | $909.4M | $17.5B | ||
| Q2 25 | $908.3M | $17.4B | ||
| Q1 25 | $921.9M | $17.1B | ||
| Q4 24 | $911.8M | $17.1B | ||
| Q3 24 | $892.7M | $17.1B | ||
| Q2 24 | $897.2M | $17.0B | ||
| Q1 24 | $892.5M | $17.0B |
负债/权益比BVFLTFSL
| 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 | $3.4M | $58.7M |
| 自由现金流经营现金流 - 资本支出 | $3.3M | $57.1M |
| 自由现金流率自由现金流/营收 | 33.9% | 75.4% |
| 资本支出强度资本支出/营收 | 1.4% | 2.2% |
| 现金转化率经营现金流/净利润 | 0.72× | 2.64× |
| 过去12个月自由现金流最近4个季度 | $18.5M | $83.1M |
8季度趋势，按日历期对齐
经营现金流BVFLTFSL
| Q4 25 | $3.4M | $58.7M | ||
| Q3 25 | $8.4M | $-11.1M | ||
| Q2 25 | $2.7M | $26.8M | ||
| Q1 25 | $4.4M | $21.2M | ||
| Q4 24 | $3.9M | $45.5M | ||
| Q3 24 | $6.1M | $-58.7M | ||
| Q2 24 | $1.5M | $96.7M | ||
| Q1 24 | $4.6M | $14.2M |
自由现金流BVFLTFSL
| Q4 25 | $3.3M | $57.1M | ||
| Q3 25 | $8.4M | $-13.2M | ||
| Q2 25 | $2.6M | $25.0M | ||
| Q1 25 | $4.2M | $14.3M | ||
| Q4 24 | $3.9M | $44.9M | ||
| Q3 24 | $6.0M | $-59.4M | ||
| Q2 24 | $1.4M | $95.9M | ||
| Q1 24 | $4.1M | $13.4M |
自由现金流率BVFLTFSL
| Q4 25 | 33.9% | 75.4% | ||
| Q3 25 | 90.1% | -17.1% | ||
| Q2 25 | 28.1% | 33.4% | ||
| Q1 25 | 48.8% | 19.8% | ||
| Q4 24 | 43.5% | 65.7% | ||
| Q3 24 | 64.0% | -86.4% | ||
| Q2 24 | 16.2% | 138.5% | ||
| Q1 24 | 51.9% | 18.8% |
资本支出强度BVFLTFSL
| Q4 25 | 1.4% | 2.2% | ||
| Q3 25 | 0.1% | 2.8% | ||
| Q2 25 | 1.5% | 2.3% | ||
| Q1 25 | 2.5% | 9.6% | ||
| Q4 24 | 0.2% | 0.9% | ||
| Q3 24 | 1.1% | 1.0% | ||
| Q2 24 | 0.6% | 1.2% | ||
| Q1 24 | 5.5% | 1.1% |
现金转化率BVFLTFSL
| Q4 25 | 0.72× | 2.64× | ||
| Q3 25 | 2.26× | -0.43× | ||
| Q2 25 | 0.95× | 1.24× | ||
| Q1 25 | 2.11× | 1.01× | ||
| Q4 24 | 2.01× | 2.03× | ||
| Q3 24 | 1.60× | -3.22× | ||
| Q2 24 | 0.44× | 4.85× | ||
| Q1 24 | 1.77× | 0.69× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
