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Bankwell Financial Group, Inc.（BWFG）与RBB Bancorp（RBB）财务数据对比。点击上方公司名可切换其他公司
RBB Bancorp的季度营收约是Bankwell Financial Group, Inc.的1.1倍（$32.3M vs $30.3M），Bankwell Financial Group, Inc.同比增速更快（43.3% vs 12.6%），RBB Bancorp自由现金流更多（$42.6M vs $27.1M），过去两年Bankwell Financial Group, Inc.的营收复合增速更高（17.2% vs 7.0%）
Bankwell金融集团是美国的银行控股企业，提供个人及商业银行全品类产品服务，包含存款账户、住房贷款、商业信贷、财富管理解决方案，主要服务康涅狄格州的本地社区、零售客户及中小微企业。
RBB银行控股公司是总部位于美国的金融控股集团，旗下核心主体为皇家商业银行，主要服务亚裔社群、中小微企业、不动产投资者及零售客户，提供商业信贷、储蓄存款、财富管理等多元金融服务，业务覆盖美国沿海核心都会区。
BWFG vs RBB — 直观对比
营收规模更大
RBB
是对方的1.1倍
$30.3M
营收增速更快
BWFG
高出30.7%
12.6%
自由现金流更多
RBB
多$15.5M
$27.1M
两年增速更快
BWFG
近两年复合增速
7.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $30.3M | $32.3M |
| 净利润 | — | $10.2M |
| 毛利率 | — | — |
| 营业利润率 | 46.9% | 39.5% |
| 净利率 | — | 31.5% |
| 营收同比 | 43.3% | 12.6% |
| 净利润同比 | — | 132.1% |
| 每股收益（稀释后） | $1.16 | $0.59 |
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BWFGRBB
| Q4 25 | $30.3M | $32.3M | ||
| Q3 25 | $28.5M | $32.6M | ||
| Q2 25 | $25.9M | $35.8M | ||
| Q1 25 | $23.6M | $28.5M | ||
| Q4 24 | $21.2M | $28.7M | ||
| Q3 24 | $21.9M | $30.3M | ||
| Q2 24 | $21.9M | $27.5M | ||
| Q1 24 | $22.1M | $28.2M |
净利润BWFGRBB
| Q4 25 | — | $10.2M | ||
| Q3 25 | $10.1M | $10.1M | ||
| Q2 25 | $9.1M | $9.3M | ||
| Q1 25 | $6.9M | $2.3M | ||
| Q4 24 | — | $4.4M | ||
| Q3 24 | $1.9M | $7.0M | ||
| Q2 24 | $1.1M | $7.2M | ||
| Q1 24 | $3.8M | $8.0M |
营业利润率BWFGRBB
| Q4 25 | 46.9% | 39.5% | ||
| Q3 25 | 47.3% | 40.7% | ||
| Q2 25 | 45.5% | 36.1% | ||
| Q1 25 | 38.0% | 11.2% | ||
| Q4 24 | 19.2% | 17.6% | ||
| Q3 24 | 12.4% | 31.6% | ||
| Q2 24 | 6.7% | 35.6% | ||
| Q1 24 | 23.0% | 39.9% |
净利率BWFGRBB
| Q4 25 | — | 31.5% | ||
| Q3 25 | 35.4% | 31.2% | ||
| Q2 25 | 35.0% | 26.1% | ||
| Q1 25 | 29.2% | 8.0% | ||
| Q4 24 | — | 15.3% | ||
| Q3 24 | 8.8% | 23.1% | ||
| Q2 24 | 5.1% | 26.4% | ||
| Q1 24 | 17.1% | 28.4% |
每股收益（稀释后）BWFGRBB
| Q4 25 | $1.16 | $0.59 | ||
| Q3 25 | $1.27 | $0.59 | ||
| Q2 25 | $1.15 | $0.52 | ||
| Q1 25 | $0.87 | $0.13 | ||
| Q4 24 | $0.37 | $0.26 | ||
| Q3 24 | $0.24 | $0.39 | ||
| Q2 24 | $0.14 | $0.39 | ||
| Q1 24 | $0.48 | $0.43 |
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 | $192.1M | $212.3M |
| 总债务越低越好 | — | $119.9M |
| 股东权益账面价值 | $301.5M | $523.4M |
| 总资产 | $3.4B | $4.2B |
| 负债/权益比越低杠杆越低 | — | 0.23× |
8季度趋势，按日历期对齐
现金及短期投资BWFGRBB
| Q4 25 | $192.1M | $212.3M | ||
| Q3 25 | $128.2M | $234.9M | ||
| Q2 25 | $142.6M | $191.9M | ||
| Q1 25 | $136.0M | $238.8M | ||
| Q4 24 | $146.1M | $257.7M | ||
| Q3 24 | $145.9M | $349.4M | ||
| Q2 24 | $138.0M | $252.8M | ||
| Q1 24 | $126.2M | — |
总债务BWFGRBB
| Q4 25 | — | $119.9M | ||
| Q3 25 | — | $119.8M | ||
| Q2 25 | — | $119.7M | ||
| Q1 25 | — | $119.6M | ||
| Q4 24 | — | $119.5M | ||
| Q3 24 | — | $119.4M | ||
| Q2 24 | — | $119.3M | ||
| Q1 24 | — | $119.2M |
股东权益BWFGRBB
| Q4 25 | $301.5M | $523.4M | ||
| Q3 25 | $292.8M | $514.3M | ||
| Q2 25 | $283.3M | $517.7M | ||
| Q1 25 | $275.2M | $510.3M | ||
| Q4 24 | $270.5M | $507.9M | ||
| Q3 24 | $267.9M | $509.7M | ||
| Q2 24 | $267.0M | $511.3M | ||
| Q1 24 | $268.0M | $514.0M |
总资产BWFGRBB
| Q4 25 | $3.4B | $4.2B | ||
| Q3 25 | $3.2B | $4.2B | ||
| Q2 25 | $3.2B | $4.1B | ||
| Q1 25 | $3.2B | $4.0B | ||
| Q4 24 | $3.3B | $4.0B | ||
| Q3 24 | $3.2B | $4.0B | ||
| Q2 24 | $3.1B | $3.9B | ||
| Q1 24 | $3.2B | $3.9B |
负债/权益比BWFGRBB
| Q4 25 | — | 0.23× | ||
| Q3 25 | — | 0.23× | ||
| Q2 25 | — | 0.23× | ||
| Q1 25 | — | 0.23× | ||
| Q4 24 | — | 0.24× | ||
| Q3 24 | — | 0.23× | ||
| Q2 24 | — | 0.23× | ||
| Q1 24 | — | 0.23× |
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 | $28.3M | $43.4M |
| 自由现金流经营现金流 - 资本支出 | $27.1M | $42.6M |
| 自由现金流率自由现金流/营收 | 89.5% | 131.8% |
| 资本支出强度资本支出/营收 | 3.8% | 2.5% |
| 现金转化率经营现金流/净利润 | — | 4.26× |
| 过去12个月自由现金流最近4个季度 | $47.0M | $73.5M |
8季度趋势，按日历期对齐
经营现金流BWFGRBB
| Q4 25 | $28.3M | $43.4M | ||
| Q3 25 | $10.3M | $2.1M | ||
| Q2 25 | $6.5M | $21.7M | ||
| Q1 25 | $3.9M | $7.8M | ||
| Q4 24 | $29.9M | $58.5M | ||
| Q3 24 | $-557.0K | $24.5M | ||
| Q2 24 | $7.1M | $11.7M | ||
| Q1 24 | $9.0M | $4.8M |
自由现金流BWFGRBB
| Q4 25 | $27.1M | $42.6M | ||
| Q3 25 | $9.9M | $1.8M | ||
| Q2 25 | $6.1M | $21.6M | ||
| Q1 25 | $3.8M | $7.6M | ||
| Q4 24 | $29.3M | $57.7M | ||
| Q3 24 | $-672.0K | $24.2M | ||
| Q2 24 | $6.8M | $11.5M | ||
| Q1 24 | $8.9M | $4.7M |
自由现金流率BWFGRBB
| Q4 25 | 89.5% | 131.8% | ||
| Q3 25 | 34.9% | 5.4% | ||
| Q2 25 | 23.5% | 60.2% | ||
| Q1 25 | 16.2% | 26.7% | ||
| Q4 24 | 138.6% | 201.0% | ||
| Q3 24 | -3.1% | 80.0% | ||
| Q2 24 | 31.0% | 42.0% | ||
| Q1 24 | 40.5% | 16.6% |
资本支出强度BWFGRBB
| Q4 25 | 3.8% | 2.5% | ||
| Q3 25 | 1.4% | 1.1% | ||
| Q2 25 | 1.5% | 0.3% | ||
| Q1 25 | 0.4% | 0.6% | ||
| Q4 24 | 2.9% | 2.7% | ||
| Q3 24 | 0.5% | 0.8% | ||
| Q2 24 | 1.7% | 0.5% | ||
| Q1 24 | 0.4% | 0.5% |
现金转化率BWFGRBB
| Q4 25 | — | 4.26× | ||
| Q3 25 | 1.03× | 0.21× | ||
| Q2 25 | 0.71× | 2.32× | ||
| Q1 25 | 0.57× | 3.39× | ||
| Q4 24 | — | 13.34× | ||
| Q3 24 | -0.29× | 3.50× | ||
| Q2 24 | 6.39× | 1.61× | ||
| Q1 24 | 2.40× | 0.60× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
