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Eastern Bankshares, Inc.（EBC）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
Eastern Bankshares, Inc.的季度营收约是TFS Financial CORP的3.9倍（$295.9M vs $75.7M）。TFS Financial CORP净利率更高（29.4% vs 22.1%，领先7.4%）。TFS Financial CORP同比增速更快（10.8% vs 1.7%）。过去两年Eastern Bankshares, Inc.的营收复合增速更高（220.1% vs 3.0%）
东方银行股份有限公司总部位于美国马萨诸塞州波士顿，2020年完成股份化改制前，是美国历史最悠久、规模最大的互助银行，同时也是马萨诸塞州规模最大的社区银行，深耕本地金融服务，在区域零售及小微金融领域拥有深厚的运营积淀。
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。
EBC vs TFSL — 直观对比
营收规模更大
EBC
是对方的3.9倍
$75.7M
营收增速更快
TFSL
高出9.1%
1.7%
净利率更高
TFSL
高出7.4%
22.1%
两年增速更快
EBC
近两年复合增速
3.0%
损益表 — Q1 2026 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $295.9M | $75.7M |
| 净利润 | $65.3M | $22.3M |
| 毛利率 | — | — |
| 营业利润率 | — | 37.7% |
| 净利率 | 22.1% | 29.4% |
| 营收同比 | 1.7% | 10.8% |
| 净利润同比 | 289.8% | -0.7% |
| 每股收益（稀释后） | $0.29 | $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EBCTFSL
| Q1 26 | $295.9M | — | ||
| Q4 25 | $37.5M | $75.7M | ||
| Q3 25 | $33.0M | $77.3M | ||
| Q2 25 | $32.5M | $75.0M | ||
| Q1 25 | $31.1M | $72.0M | ||
| Q4 24 | $33.2M | $68.3M | ||
| Q3 24 | $30.1M | $68.7M | ||
| Q2 24 | $28.9M | $69.3M |
净利润EBCTFSL
| Q1 26 | $65.3M | — | ||
| Q4 25 | $99.5M | $22.3M | ||
| Q3 25 | $106.1M | $26.0M | ||
| Q2 25 | $100.2M | $21.5M | ||
| Q1 25 | $-217.7M | $21.0M | ||
| Q4 24 | $60.8M | $22.4M | ||
| Q3 24 | $-6.2M | $18.2M | ||
| Q2 24 | $26.3M | $20.0M |
营业利润率EBCTFSL
| Q1 26 | — | — | ||
| Q4 25 | — | 37.7% | ||
| Q3 25 | — | 42.0% | ||
| Q2 25 | — | 36.5% | ||
| Q1 25 | -590.9% | 36.8% | ||
| Q4 24 | — | 41.5% | ||
| Q3 24 | -11.1% | 33.5% | ||
| Q2 24 | — | 36.4% |
净利率EBCTFSL
| Q1 26 | 22.1% | — | ||
| Q4 25 | 265.6% | 29.4% | ||
| Q3 25 | 321.9% | 33.6% | ||
| Q2 25 | 308.2% | 28.7% | ||
| Q1 25 | -699.2% | 29.2% | ||
| Q4 24 | 183.1% | 32.8% | ||
| Q3 24 | -20.5% | 26.5% | ||
| Q2 24 | 91.2% | 28.8% |
每股收益（稀释后）EBCTFSL
| Q1 26 | $0.29 | — | ||
| Q4 25 | $0.48 | $0.08 | ||
| Q3 25 | $0.53 | $0.09 | ||
| Q2 25 | $0.50 | $0.08 | ||
| Q1 25 | $-1.08 | $0.07 | ||
| Q4 24 | $0.29 | $0.08 | ||
| Q3 24 | $-0.03 | $0.07 | ||
| Q2 24 | $0.16 | $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 | $551.7M | $456.7M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $4.3B | $1.9B |
| 总资产 | $30.6B | $17.5B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资EBCTFSL
| Q1 26 | $551.7M | — | ||
| Q4 25 | $507.6M | $456.7M | ||
| Q3 25 | $703.4M | $429.4M | ||
| Q2 25 | $948.3M | $452.6M | ||
| Q1 25 | $609.0M | $463.6M | ||
| Q4 24 | $1.9B | $465.9M | ||
| Q3 24 | $1.7B | $463.7M | ||
| Q2 24 | $1.4B | $560.4M |
股东权益EBCTFSL
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | $1.9B | ||
| Q3 25 | $3.8B | $1.9B | ||
| Q2 25 | $3.7B | $1.9B | ||
| Q1 25 | $3.6B | $1.9B | ||
| Q4 24 | $3.6B | $1.9B | ||
| Q3 24 | $3.7B | $1.9B | ||
| Q2 24 | $3.0B | $1.9B |
总资产EBCTFSL
| Q1 26 | $30.6B | — | ||
| Q4 25 | $30.6B | $17.5B | ||
| Q3 25 | $25.5B | $17.5B | ||
| Q2 25 | $25.5B | $17.4B | ||
| Q1 25 | $25.0B | $17.1B | ||
| Q4 24 | $25.6B | $17.1B | ||
| Q3 24 | $25.5B | $17.1B | ||
| Q2 24 | $21.0B | $17.0B |
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 | — | $58.7M |
| 自由现金流经营现金流 - 资本支出 | — | $57.1M |
| 自由现金流率自由现金流/营收 | — | 75.4% |
| 资本支出强度资本支出/营收 | — | 2.2% |
| 现金转化率经营现金流/净利润 | — | 2.64× |
| 过去12个月自由现金流最近4个季度 | — | $83.1M |
8季度趋势，按日历期对齐
经营现金流EBCTFSL
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $58.7M | ||
| Q3 25 | $157.1M | $-11.1M | ||
| Q2 25 | $123.9M | $26.8M | ||
| Q1 25 | $47.3M | $21.2M | ||
| Q4 24 | $88.7M | $45.5M | ||
| Q3 24 | $108.3M | $-58.7M | ||
| Q2 24 | $54.3M | $96.7M |
自由现金流EBCTFSL
| Q1 26 | — | — | ||
| Q4 25 | — | $57.1M | ||
| Q3 25 | — | $-13.2M | ||
| Q2 25 | — | $25.0M | ||
| Q1 25 | — | $14.3M | ||
| Q4 24 | — | $44.9M | ||
| Q3 24 | — | $-59.4M | ||
| Q2 24 | — | $95.9M |
自由现金流率EBCTFSL
| Q1 26 | — | — | ||
| Q4 25 | — | 75.4% | ||
| Q3 25 | — | -17.1% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 19.8% | ||
| Q4 24 | — | 65.7% | ||
| Q3 24 | — | -86.4% | ||
| Q2 24 | — | 138.5% |
资本支出强度EBCTFSL
| Q1 26 | — | — | ||
| Q4 25 | — | 2.2% | ||
| Q3 25 | — | 2.8% | ||
| Q2 25 | — | 2.3% | ||
| Q1 25 | — | 9.6% | ||
| Q4 24 | — | 0.9% | ||
| Q3 24 | — | 1.0% | ||
| Q2 24 | — | 1.2% |
现金转化率EBCTFSL
| Q1 26 | — | — | ||
| Q4 25 | 1.05× | 2.64× | ||
| Q3 25 | 1.48× | -0.43× | ||
| Q2 25 | 1.24× | 1.24× | ||
| Q1 25 | — | 1.01× | ||
| Q4 24 | 1.46× | 2.03× | ||
| Q3 24 | — | -3.22× | ||
| Q2 24 | 2.06× | 4.85× |
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
EBC
| ALLL / total nonperforming loans ("NPLs") | $238.2M | 80% |
| Other | $51.6M | 17% |
| Return on average shareholders' equity | $6.1M | 2% |
TFSL
暂无分部数据
