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Columbia Financial, Inc.（CLBK）与HomeTrust Bancshares, Inc.（HTB）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HomeTrust Bancshares, Inc.的1.4倍（$60.2M vs $44.2M）。Columbia Financial, Inc.同比增速更快（29.7% vs 1.7%）。Columbia Financial, Inc.自由现金流更多（$22.0M vs $-3.2M）。过去两年Columbia Financial, Inc.的营收复合增速更高（19.5% vs 3.6%）
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。
HomeTrust Bancshares, Inc.是总部位于美国北卡罗来纳州阿什维尔的银行控股公司，总资产达43亿美元，在北卡、南卡、佐治亚和田纳西州共设有33家网点，旗下拥有HomeTrust银行、Tryon联邦银行等七家社区银行。
CLBK vs HTB — 直观对比
营收规模更大
CLBK
是对方的1.4倍
$44.2M
营收增速更快
CLBK
高出28.0%
1.7%
自由现金流更多
CLBK
多$25.2M
$-3.2M
两年增速更快
CLBK
近两年复合增速
3.6%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $60.2M | $44.2M |
| 净利润 | $15.7M | — |
| 毛利率 | — | — |
| 营业利润率 | 32.6% | 44.9% |
| 净利率 | 26.1% | — |
| 营收同比 | 29.7% | 1.7% |
| 净利润同比 | 173.9% | — |
| 每股收益（稀释后） | $0.15 | $0.93 |
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CLBKHTB
| Q4 25 | $60.2M | $44.2M | ||
| Q3 25 | $57.4M | $45.4M | ||
| Q2 25 | $53.7M | $44.2M | ||
| Q1 25 | $50.3M | $42.9M | ||
| Q4 24 | $46.4M | $43.5M | ||
| Q3 24 | $45.3M | $42.4M | ||
| Q2 24 | $44.1M | $42.4M | ||
| Q1 24 | $42.2M | $41.2M |
净利润CLBKHTB
| Q4 25 | $15.7M | — | ||
| Q3 25 | $14.9M | $16.5M | ||
| Q2 25 | $12.3M | $17.2M | ||
| Q1 25 | $8.9M | $14.5M | ||
| Q4 24 | $-21.2M | — | ||
| Q3 24 | $6.2M | $13.1M | ||
| Q2 24 | $4.5M | $12.4M | ||
| Q1 24 | $-1.2M | $15.1M |
营业利润率CLBKHTB
| Q4 25 | 32.6% | 44.9% | ||
| Q3 25 | 34.5% | 46.0% | ||
| Q2 25 | 30.7% | 49.4% | ||
| Q1 25 | 23.9% | 43.0% | ||
| Q4 24 | -57.6% | 42.1% | ||
| Q3 24 | 16.2% | 39.7% | ||
| Q2 24 | 10.9% | 37.2% | ||
| Q1 24 | -3.0% | 46.1% |
净利率CLBKHTB
| Q4 25 | 26.1% | — | ||
| Q3 25 | 25.9% | 36.3% | ||
| Q2 25 | 22.9% | 38.9% | ||
| Q1 25 | 17.7% | 33.9% | ||
| Q4 24 | -45.7% | — | ||
| Q3 24 | 13.7% | 31.0% | ||
| Q2 24 | 10.3% | 29.3% | ||
| Q1 24 | -2.7% | 36.5% |
每股收益（稀释后）CLBKHTB
| Q4 25 | $0.15 | $0.93 | ||
| Q3 25 | $0.15 | $0.95 | ||
| Q2 25 | $0.12 | $1.00 | ||
| Q1 25 | $0.09 | $0.84 | ||
| Q4 24 | $-0.20 | $0.83 | ||
| Q3 24 | $0.06 | $0.76 | ||
| Q2 24 | $0.04 | $0.73 | ||
| Q1 24 | $-0.01 | $0.88 |
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 | $340.8M | $324.7M |
| 总债务越低越好 | $1.2B | — |
| 股东权益账面价值 | $1.2B | $600.7M |
| 总资产 | $11.0B | $4.5B |
| 负债/权益比越低杠杆越低 | 1.02× | — |
8季度趋势，按日历期对齐
现金及短期投资CLBKHTB
| Q4 25 | $340.8M | $324.7M | ||
| Q3 25 | $253.4M | $315.8M | ||
| Q2 25 | $248.2M | $297.2M | ||
| Q1 25 | $256.1M | $299.8M | ||
| Q4 24 | $289.2M | $279.2M | ||
| Q3 24 | $283.5M | $293.5M | ||
| Q2 24 | $391.1M | $294.2M | ||
| Q1 24 | $373.5M | $380.5M |
总债务CLBKHTB
| Q4 25 | $1.2B | — | ||
| Q3 25 | $1.3B | — | ||
| Q2 25 | $1.3B | — | ||
| Q1 25 | $1.1B | — | ||
| Q4 24 | $1.1B | — | ||
| Q3 24 | $1.4B | — | ||
| Q2 24 | $1.7B | — | ||
| Q1 24 | $1.5B | — |
股东权益CLBKHTB
| Q4 25 | $1.2B | $600.7M | ||
| Q3 25 | $1.1B | $595.8M | ||
| Q2 25 | $1.1B | $579.3M | ||
| Q1 25 | $1.1B | $565.4M | ||
| Q4 24 | $1.1B | $551.8M | ||
| Q3 24 | $1.1B | $540.0M | ||
| Q2 24 | $1.0B | $523.6M | ||
| Q1 24 | $1.0B | $513.2M |
总资产CLBKHTB
| Q4 25 | $11.0B | $4.5B | ||
| Q3 25 | $10.9B | $4.6B | ||
| Q2 25 | $10.7B | $4.6B | ||
| Q1 25 | $10.6B | $4.6B | ||
| Q4 24 | $10.5B | $4.6B | ||
| Q3 24 | $10.7B | $4.6B | ||
| Q2 24 | $10.8B | $4.7B | ||
| Q1 24 | $10.6B | $4.7B |
负债/权益比CLBKHTB
| Q4 25 | 1.02× | — | ||
| Q3 25 | 1.11× | — | ||
| Q2 25 | 1.14× | — | ||
| Q1 25 | 1.01× | — | ||
| Q4 24 | 1.00× | — | ||
| Q3 24 | 1.32× | — | ||
| Q2 24 | 1.61× | — | ||
| Q1 24 | 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 | $24.4M | $-2.1M |
| 自由现金流经营现金流 - 资本支出 | $22.0M | $-3.2M |
| 自由现金流率自由现金流/营收 | 36.5% | -7.1% |
| 资本支出强度资本支出/营收 | 3.9% | 2.4% |
| 现金转化率经营现金流/净利润 | 1.55× | — |
| 过去12个月自由现金流最近4个季度 | $58.6M | $45.3M |
8季度趋势，按日历期对齐
经营现金流CLBKHTB
| Q4 25 | $24.4M | $-2.1M | ||
| Q3 25 | $31.0M | $-11.3M | ||
| Q2 25 | $14.6M | $-8.8M | ||
| Q1 25 | $-1.6M | $71.7M | ||
| Q4 24 | $28.9M | $4.8M | ||
| Q3 24 | $-28.3M | $43.8M | ||
| Q2 24 | $18.6M | $5.9M | ||
| Q1 24 | $14.1M | $-9.0M |
自由现金流CLBKHTB
| Q4 25 | $22.0M | $-3.2M | ||
| Q3 25 | $28.1M | $-12.0M | ||
| Q2 25 | $12.9M | $-10.2M | ||
| Q1 25 | $-4.5M | $70.7M | ||
| Q4 24 | $27.3M | $3.2M | ||
| Q3 24 | $-31.1M | $43.1M | ||
| Q2 24 | $17.2M | $5.7M | ||
| Q1 24 | $12.5M | $-9.6M |
自由现金流率CLBKHTB
| Q4 25 | 36.5% | -7.1% | ||
| Q3 25 | 49.0% | -26.5% | ||
| Q2 25 | 24.1% | -23.0% | ||
| Q1 25 | -8.9% | 164.7% | ||
| Q4 24 | 58.8% | 7.4% | ||
| Q3 24 | -68.6% | 101.7% | ||
| Q2 24 | 39.0% | 13.4% | ||
| Q1 24 | 29.5% | -23.3% |
资本支出强度CLBKHTB
| Q4 25 | 3.9% | 2.4% | ||
| Q3 25 | 4.9% | 1.7% | ||
| Q2 25 | 3.2% | 3.0% | ||
| Q1 25 | 5.8% | 2.4% | ||
| Q4 24 | 3.5% | 3.6% | ||
| Q3 24 | 6.1% | 1.6% | ||
| Q2 24 | 3.1% | 0.6% | ||
| Q1 24 | 4.0% | 1.4% |
现金转化率CLBKHTB
| Q4 25 | 1.55× | — | ||
| Q3 25 | 2.08× | -0.68× | ||
| Q2 25 | 1.19× | -0.51× | ||
| Q1 25 | -0.18× | 4.93× | ||
| Q4 24 | — | — | ||
| Q3 24 | -4.57× | 3.34× | ||
| Q2 24 | 4.09× | 0.48× | ||
| Q1 24 | — | -0.60× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
