vs
ECB Bancorp, Inc.（ECBK）与FLAGSTAR BANK, NATIONAL ASSOCIATION（FLG）财务数据对比。点击上方公司名可切换其他公司
FLAGSTAR BANK, NATIONAL ASSOCIATION的季度营收约是ECB Bancorp, Inc.的54.4倍（$498.0M vs $9.2M）。ECB Bancorp, Inc.净利率更高（28.4% vs 4.2%，领先24.1%）。ECB Bancorp, Inc.同比增速更快（35.0% vs 1.6%）。过去两年ECB Bancorp, Inc.的营收复合增速更高（24.5% vs -10.7%）
ECB Bancorp（马里兰州）是一家美国银行控股公司，主要面向马里兰州本地市场的个人客户和中小型企业提供存款账户、消费贷款、商业融资、财富管理等各类零售及商业银行业务。
Flagstar银行是原总部位于美国密歇根州特洛伊的商业银行，成立于1987年，主营零售及商业银行业务、抵押贷款发放及各类金融服务。其控股公司于2022年12月被纽约社区银行收购，后者后将全部门店统一为Flagstar品牌，2024年更名为Flagstar Financial，2025年启动企业重组。
ECBK vs FLG — 直观对比
营收规模更大
FLG
是对方的54.4倍
$9.2M
营收增速更快
ECBK
高出33.3%
1.6%
净利率更高
ECBK
高出24.1%
4.2%
两年增速更快
ECBK
近两年复合增速
-10.7%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $9.2M | $498.0M |
| 净利润 | $2.6M | $21.0M |
| 毛利率 | — | — |
| 营业利润率 | 38.1% | — |
| 净利率 | 28.4% | 4.2% |
| 营收同比 | 35.0% | 1.6% |
| 净利润同比 | 79.5% | -27.6% |
| 每股收益（稀释后） | $0.32 | $0.03 |
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ECBKFLG
| Q1 26 | — | $498.0M | ||
| Q4 25 | $9.2M | $2.1B | ||
| Q3 25 | $8.5M | $425.0M | ||
| Q2 25 | $7.7M | $419.0M | ||
| Q1 25 | $6.6M | — | ||
| Q4 24 | $6.8M | $461.0M | ||
| Q3 24 | $6.3M | $510.0M | ||
| Q2 24 | $6.0M | $557.0M |
净利润ECBKFLG
| Q1 26 | — | $21.0M | ||
| Q4 25 | $2.6M | $29.0M | ||
| Q3 25 | $2.4M | $-36.0M | ||
| Q2 25 | $1.4M | $-70.0M | ||
| Q1 25 | $1.3M | — | ||
| Q4 24 | $1.4M | $-188.0M | ||
| Q3 24 | $1.1M | $-280.0M | ||
| Q2 24 | $791.0K | $-323.0M |
营业利润率ECBKFLG
| Q1 26 | — | — | ||
| Q4 25 | 38.1% | — | ||
| Q3 25 | 38.5% | -9.6% | ||
| Q2 25 | 25.0% | -19.3% | ||
| Q1 25 | 25.9% | — | ||
| Q4 24 | 28.6% | -51.6% | ||
| Q3 24 | 24.4% | -65.7% | ||
| Q2 24 | 17.7% | -76.1% |
净利率ECBKFLG
| Q1 26 | — | 4.2% | ||
| Q4 25 | 28.4% | 1.4% | ||
| Q3 25 | 28.8% | -8.5% | ||
| Q2 25 | 18.8% | -16.7% | ||
| Q1 25 | 19.5% | — | ||
| Q4 24 | 21.3% | -40.8% | ||
| Q3 24 | 18.0% | -54.9% | ||
| Q2 24 | 13.2% | -58.0% |
每股收益（稀释后）ECBKFLG
| Q1 26 | — | $0.03 | ||
| Q4 25 | $0.32 | $0.05 | ||
| Q3 25 | $0.29 | $-0.11 | ||
| Q2 25 | $0.17 | $-0.19 | ||
| Q1 25 | $0.16 | — | ||
| Q4 24 | $0.18 | $-1.11 | ||
| Q3 24 | $0.14 | $-0.79 | ||
| Q2 24 | $0.09 | $-1.14 |
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 | $82.8M | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $171.9M | $8.1B |
| 总资产 | $1.6B | $87.1B |
| 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ECBKFLG
| Q1 26 | — | — | ||
| Q4 25 | $82.8M | — | ||
| Q3 25 | $201.9M | $23.6B | ||
| Q2 25 | $191.0M | $22.9B | ||
| Q1 25 | $143.7M | — | ||
| Q4 24 | $309.4M | $25.8B | ||
| Q3 24 | $114.8M | $33.6B | ||
| Q2 24 | $108.7M | $29.5B |
总债务ECBKFLG
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $13.2B | ||
| Q2 25 | — | $13.2B | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $14.4B | ||
| Q3 24 | — | $20.3B | ||
| Q2 24 | — | $28.9B |
股东权益ECBKFLG
| Q1 26 | — | $8.1B | ||
| Q4 25 | $171.9M | $8.1M | ||
| Q3 25 | $169.3M | $8.1B | ||
| Q2 25 | $168.3M | $8.1B | ||
| Q1 25 | $168.6M | — | ||
| Q4 24 | $168.3M | $8.2B | ||
| Q3 24 | $166.0M | $8.6B | ||
| Q2 24 | $166.5M | $8.4B |
总资产ECBKFLG
| Q1 26 | — | $87.1B | ||
| Q4 25 | $1.6B | $87.5M | ||
| Q3 25 | $1.6B | $91.7B | ||
| Q2 25 | $1.5B | $92.2B | ||
| Q1 25 | $1.5B | — | ||
| Q4 24 | $1.4B | $100.2B | ||
| Q3 24 | $1.4B | $114.4B | ||
| Q2 24 | $1.3B | $119.1B |
负债/权益比ECBKFLG
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 1.63× | ||
| Q2 25 | — | 1.63× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.77× | ||
| Q3 24 | — | 2.37× | ||
| Q2 24 | — | 3.44× |
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 | $3.9M | — |
| 自由现金流经营现金流 - 资本支出 | $3.9M | — |
| 自由现金流率自由现金流/营收 | 42.1% | — |
| 资本支出强度资本支出/营收 | 0.8% | — |
| 现金转化率经营现金流/净利润 | 1.51× | — |
| 过去12个月自由现金流最近4个季度 | $9.0M | — |
8季度趋势，按日历期对齐
经营现金流ECBKFLG
| Q1 26 | — | — | ||
| Q4 25 | $3.9M | — | ||
| Q3 25 | $4.0M | $243.0M | ||
| Q2 25 | $1.9M | — | ||
| Q1 25 | $-631.0K | — | ||
| Q4 24 | $4.4M | $623.0M | ||
| Q3 24 | $861.0K | $-1.0B | ||
| Q2 24 | $1.4M | $796.0M |
自由现金流ECBKFLG
| Q1 26 | — | — | ||
| Q4 25 | $3.9M | — | ||
| Q3 25 | $4.0M | — | ||
| Q2 25 | $1.8M | — | ||
| Q1 25 | $-649.0K | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | $1.3M | — |
自由现金流率ECBKFLG
| Q1 26 | — | — | ||
| Q4 25 | 42.1% | — | ||
| Q3 25 | 46.8% | — | ||
| Q2 25 | 24.1% | — | ||
| Q1 25 | -9.8% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 22.4% | — |
资本支出强度ECBKFLG
| Q1 26 | — | — | ||
| Q4 25 | 0.8% | — | ||
| Q3 25 | 0.8% | — | ||
| Q2 25 | 0.7% | — | ||
| Q1 25 | 0.3% | — | ||
| Q4 24 | 0.0% | — | ||
| Q3 24 | 0.0% | — | ||
| Q2 24 | 0.7% | — |
现金转化率ECBKFLG
| Q1 26 | — | — | ||
| Q4 25 | 1.51× | — | ||
| Q3 25 | 1.65× | — | ||
| Q2 25 | 1.32× | — | ||
| Q1 25 | -0.49× | — | ||
| Q4 24 | 3.05× | — | ||
| Q3 24 | 0.76× | — | ||
| Q2 24 | 1.75× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
