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Columbia Financial, Inc.（CLBK）与NORTHRIM BANCORP INC（NRIM）财务数据对比。点击上方公司名可切换其他公司
NORTHRIM BANCORP INC的季度营收约是Columbia Financial, Inc.的1.0倍（$61.2M vs $60.2M）。Columbia Financial, Inc.同比增速更快（29.7% vs 11.6%）。NORTHRIM BANCORP INC自由现金流更多（$32.3M vs $22.0M）。过去两年Columbia Financial, Inc.的营收复合增速更高（19.5% vs 18.4%）
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。
Northrim Bancorp Inc是总部位于美国阿拉斯加州的区域银行控股企业，提供商业及个人存贷款、按揭产品、财富管理等多元化金融服务，服务覆盖本地小微企业、个人消费者及企业客户群体。
CLBK vs NRIM — 直观对比
营收规模更大
NRIM
是对方的1.0倍
$60.2M
营收增速更快
CLBK
高出18.1%
11.6%
自由现金流更多
NRIM
多$10.3M
$22.0M
两年增速更快
CLBK
近两年复合增速
18.4%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $60.2M | $61.2M |
| 净利润 | $15.7M | — |
| 毛利率 | — | 79.9% |
| 营业利润率 | 32.6% | 27.2% |
| 净利率 | 26.1% | — |
| 营收同比 | 29.7% | 11.6% |
| 净利润同比 | 173.9% | — |
| 每股收益（稀释后） | $0.15 | $-2.80 |
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CLBKNRIM
| Q4 25 | $60.2M | $61.2M | ||
| Q3 25 | $57.4M | $77.2M | ||
| Q2 25 | $53.7M | $61.4M | ||
| Q1 25 | $50.3M | $55.8M | ||
| Q4 24 | $46.4M | $54.8M | ||
| Q3 24 | $45.3M | $51.0M | ||
| Q2 24 | $44.1M | $46.5M | ||
| Q1 24 | $42.2M | $43.7M |
净利润CLBKNRIM
| Q4 25 | $15.7M | — | ||
| Q3 25 | $14.9M | $27.1M | ||
| Q2 25 | $12.3M | $11.8M | ||
| Q1 25 | $8.9M | $13.3M | ||
| Q4 24 | $-21.2M | — | ||
| Q3 24 | $6.2M | $8.8M | ||
| Q2 24 | $4.5M | $9.0M | ||
| Q1 24 | $-1.2M | $8.2M |
毛利率CLBKNRIM
| Q4 25 | — | 79.9% | ||
| Q3 25 | — | 84.0% | ||
| Q2 25 | — | 78.5% | ||
| Q1 25 | — | 84.1% | ||
| Q4 24 | — | 77.8% | ||
| Q3 24 | — | 75.2% | ||
| Q2 24 | — | 79.1% | ||
| Q1 24 | — | 78.2% |
营业利润率CLBKNRIM
| Q4 25 | 32.6% | 27.2% | ||
| Q3 25 | 34.5% | 44.8% | ||
| Q2 25 | 30.7% | 25.7% | ||
| Q1 25 | 23.9% | 31.5% | ||
| Q4 24 | -57.6% | 24.3% | ||
| Q3 24 | 16.2% | 22.8% | ||
| Q2 24 | 10.9% | 24.9% | ||
| Q1 24 | -3.0% | 24.1% |
净利率CLBKNRIM
| Q4 25 | 26.1% | — | ||
| Q3 25 | 25.9% | 35.1% | ||
| Q2 25 | 22.9% | 19.2% | ||
| Q1 25 | 17.7% | 23.9% | ||
| Q4 24 | -45.7% | — | ||
| Q3 24 | 13.7% | 17.3% | ||
| Q2 24 | 10.3% | 19.4% | ||
| Q1 24 | -2.7% | 18.8% |
每股收益（稀释后）CLBKNRIM
| Q4 25 | $0.15 | $-2.80 | ||
| Q3 25 | $0.15 | $1.20 | ||
| Q2 25 | $0.12 | $2.09 | ||
| Q1 25 | $0.09 | $2.38 | ||
| Q4 24 | $-0.20 | $-1.83 | ||
| Q3 24 | $0.06 | $0.39 | ||
| Q2 24 | $0.04 | $1.62 | ||
| Q1 24 | $-0.01 | $1.48 |
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 | — |
| 总债务越低越好 | $1.2B | $12.8M |
| 股东权益账面价值 | $1.2B | $326.5M |
| 总资产 | $11.0B | $3.3B |
| 负债/权益比越低杠杆越低 | 1.02× | 0.04× |
8季度趋势，按日历期对齐
现金及短期投资CLBKNRIM
| Q4 25 | $340.8M | — | ||
| Q3 25 | $253.4M | — | ||
| Q2 25 | $248.2M | — | ||
| Q1 25 | $256.1M | — | ||
| Q4 24 | $289.2M | — | ||
| Q3 24 | $283.5M | — | ||
| Q2 24 | $391.1M | — | ||
| Q1 24 | $373.5M | — |
总债务CLBKNRIM
| Q4 25 | $1.2B | $12.8M | ||
| Q3 25 | $1.3B | — | ||
| Q2 25 | $1.3B | — | ||
| Q1 25 | $1.1B | — | ||
| Q4 24 | $1.1B | $23.0M | ||
| Q3 24 | $1.4B | — | ||
| Q2 24 | $1.7B | — | ||
| Q1 24 | $1.5B | — |
股东权益CLBKNRIM
| Q4 25 | $1.2B | $326.5M | ||
| Q3 25 | $1.1B | $315.7M | ||
| Q2 25 | $1.1B | $290.2M | ||
| Q1 25 | $1.1B | $279.8M | ||
| Q4 24 | $1.1B | $267.1M | ||
| Q3 24 | $1.1B | $260.1M | ||
| Q2 24 | $1.0B | $247.2M | ||
| Q1 24 | $1.0B | $239.3M |
总资产CLBKNRIM
| Q4 25 | $11.0B | $3.3B | ||
| Q3 25 | $10.9B | $3.3B | ||
| Q2 25 | $10.7B | $3.2B | ||
| Q1 25 | $10.6B | $3.1B | ||
| Q4 24 | $10.5B | $3.0B | ||
| Q3 24 | $10.7B | $3.0B | ||
| Q2 24 | $10.8B | $2.8B | ||
| Q1 24 | $10.6B | $2.8B |
负债/权益比CLBKNRIM
| Q4 25 | 1.02× | 0.04× | ||
| Q3 25 | 1.11× | — | ||
| Q2 25 | 1.14× | — | ||
| Q1 25 | 1.01× | — | ||
| Q4 24 | 1.00× | 0.09× | ||
| 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 | $34.5M |
| 自由现金流经营现金流 - 资本支出 | $22.0M | $32.3M |
| 自由现金流率自由现金流/营收 | 36.5% | 52.8% |
| 资本支出强度资本支出/营收 | 3.9% | 3.6% |
| 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 | $133.9M |
8季度趋势，按日历期对齐
经营现金流CLBKNRIM
| Q4 25 | $24.4M | $34.5M | ||
| Q3 25 | $31.0M | $92.7M | ||
| Q2 25 | $14.6M | $-4.4M | ||
| Q1 25 | $-1.6M | $16.5M | ||
| Q4 24 | $28.9M | $35.5M | ||
| Q3 24 | $-28.3M | $-201.0K | ||
| Q2 24 | $18.6M | $-38.5M | ||
| Q1 24 | $14.1M | $-5.5M |
自由现金流CLBKNRIM
| Q4 25 | $22.0M | $32.3M | ||
| Q3 25 | $28.1M | $89.9M | ||
| Q2 25 | $12.9M | $-4.7M | ||
| Q1 25 | $-4.5M | $16.3M | ||
| Q4 24 | $27.3M | $34.1M | ||
| Q3 24 | $-31.1M | $-330.0K | ||
| Q2 24 | $17.2M | $-39.4M | ||
| Q1 24 | $12.5M | $-6.6M |
自由现金流率CLBKNRIM
| Q4 25 | 36.5% | 52.8% | ||
| Q3 25 | 49.0% | 116.5% | ||
| Q2 25 | 24.1% | -7.7% | ||
| Q1 25 | -8.9% | 29.3% | ||
| Q4 24 | 58.8% | 62.2% | ||
| Q3 24 | -68.6% | -0.6% | ||
| Q2 24 | 39.0% | -84.7% | ||
| Q1 24 | 29.5% | -15.1% |
资本支出强度CLBKNRIM
| Q4 25 | 3.9% | 3.6% | ||
| Q3 25 | 4.9% | 3.5% | ||
| Q2 25 | 3.2% | 0.5% | ||
| Q1 25 | 5.8% | 0.4% | ||
| Q4 24 | 3.5% | 2.6% | ||
| Q3 24 | 6.1% | 0.3% | ||
| Q2 24 | 3.1% | 1.9% | ||
| Q1 24 | 4.0% | 2.4% |
现金转化率CLBKNRIM
| Q4 25 | 1.55× | — | ||
| Q3 25 | 2.08× | 3.42× | ||
| Q2 25 | 1.19× | -0.37× | ||
| Q1 25 | -0.18× | 1.24× | ||
| Q4 24 | — | — | ||
| Q3 24 | -4.57× | -0.02× | ||
| Q2 24 | 4.09× | -4.27× | ||
| Q1 24 | — | -0.68× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
CLBK
暂无分部数据
NRIM
| Community Banking Segment | $44.3M | 72% |
| Specialty Finance Segment | $7.4M | 12% |
| Other | $4.7M | 8% |
| Home Mortgage Lending Segment | $3.6M | 6% |
| Credit And Debit Card | $1.2M | 2% |
