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ECB Bancorp, Inc.（ECBK）与First Northwest Bancorp（FNWB）财务数据对比。点击上方公司名可切换其他公司
First Northwest Bancorp的季度营收约是ECB Bancorp, Inc.的1.6倍（$14.7M vs $9.2M）。ECB Bancorp, Inc.净利率更高（28.4% vs 2.6%，领先25.8%）。ECB Bancorp, Inc.同比增速更快（35.0% vs 3.9%）。过去两年ECB Bancorp, Inc.的营收复合增速更高（24.5% vs 2.7%）
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。
第一西北 Bancorp 相关主体前身为伊利诺伊州乔利埃特的金融机构，发展后业务覆盖芝加哥多个郊区、印第安纳州西北部、伊利诺伊州南部、威斯康星州东南部，以及包含爱荷华州的阔德城地区，旗下第一中西部银行是美国规模较大的银行业机构之一，总部位于伊利诺伊州芝加哥奥黑尔机场东侧。
ECBK vs FNWB — 直观对比
营收规模更大
FNWB
是对方的1.6倍
$9.2M
营收增速更快
ECBK
高出31.1%
3.9%
净利率更高
ECBK
高出25.8%
2.6%
两年增速更快
ECBK
近两年复合增速
2.7%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $9.2M | $14.7M |
| 净利润 | $2.6M | $382.0K |
| 毛利率 | — | — |
| 营业利润率 | 38.1% | 6.2% |
| 净利率 | 28.4% | 2.6% |
| 营收同比 | 35.0% | 3.9% |
| 净利润同比 | 79.5% | 113.6% |
| 每股收益（稀释后） | $0.32 | $0.04 |
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ECBKFNWB
| Q4 25 | $9.2M | $14.7M | ||
| Q3 25 | $8.5M | $14.6M | ||
| Q2 25 | $7.7M | $14.2M | ||
| Q1 25 | $6.6M | $13.8M | ||
| Q4 24 | $6.8M | $14.1M | ||
| Q3 24 | $6.3M | $14.0M | ||
| Q2 24 | $6.0M | $14.2M | ||
| Q1 24 | $5.9M | $13.9M |
净利润ECBKFNWB
| Q4 25 | $2.6M | $382.0K | ||
| Q3 25 | $2.4M | $802.0K | ||
| Q2 25 | $1.4M | $3.7M | ||
| Q1 25 | $1.3M | $-9.0M | ||
| Q4 24 | $1.4M | $-2.8M | ||
| Q3 24 | $1.1M | $-2.0M | ||
| Q2 24 | $791.0K | $-2.2M | ||
| Q1 24 | $621.0K | $396.0K |
营业利润率ECBKFNWB
| Q4 25 | 38.1% | 6.2% | ||
| Q3 25 | 38.5% | -1.0% | ||
| Q2 25 | 25.0% | 27.9% | ||
| Q1 25 | 25.9% | -73.4% | ||
| Q4 24 | 28.6% | -17.3% | ||
| Q3 24 | 24.4% | -22.7% | ||
| Q2 24 | 17.7% | -19.4% | ||
| Q1 24 | 14.1% | 6.1% |
净利率ECBKFNWB
| Q4 25 | 28.4% | 2.6% | ||
| Q3 25 | 28.8% | 5.5% | ||
| Q2 25 | 18.8% | 25.8% | ||
| Q1 25 | 19.5% | -65.3% | ||
| Q4 24 | 21.3% | -19.9% | ||
| Q3 24 | 18.0% | -14.1% | ||
| Q2 24 | 13.2% | -15.6% | ||
| Q1 24 | 10.5% | 2.8% |
每股收益（稀释后）ECBKFNWB
| Q4 25 | $0.32 | $0.04 | ||
| Q3 25 | $0.29 | $0.09 | ||
| Q2 25 | $0.17 | $0.42 | ||
| Q1 25 | $0.16 | $-1.03 | ||
| Q4 24 | $0.18 | $-0.31 | ||
| Q3 24 | $0.14 | $-0.23 | ||
| Q2 24 | $0.09 | $-0.25 | ||
| Q1 24 | $0.07 | $0.04 |
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 | $157.3M |
| 总资产 | $1.6B | $2.1B |
| 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ECBKFNWB
| Q4 25 | $82.8M | — | ||
| Q3 25 | $201.9M | — | ||
| Q2 25 | $191.0M | — | ||
| Q1 25 | $143.7M | — | ||
| Q4 24 | $309.4M | — | ||
| Q3 24 | $114.8M | — | ||
| Q2 24 | $108.7M | — | ||
| Q1 24 | $109.8M | — |
股东权益ECBKFNWB
| Q4 25 | $171.9M | $157.3M | ||
| Q3 25 | $169.3M | $154.5M | ||
| Q2 25 | $168.3M | $149.7M | ||
| Q1 25 | $168.6M | $146.5M | ||
| Q4 24 | $168.3M | $153.9M | ||
| Q3 24 | $166.0M | $160.8M | ||
| Q2 24 | $166.5M | $158.9M | ||
| Q1 24 | $165.8M | $160.5M |
总资产ECBKFNWB
| Q4 25 | $1.6B | $2.1B | ||
| Q3 25 | $1.6B | $2.1B | ||
| Q2 25 | $1.5B | $2.2B | ||
| Q1 25 | $1.5B | $2.2B | ||
| Q4 24 | $1.4B | $2.2B | ||
| Q3 24 | $1.4B | $2.3B | ||
| Q2 24 | $1.3B | $2.2B | ||
| Q1 24 | $1.3B | $2.2B |
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 | $10.3M |
| 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× | 26.94× |
| 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ECBKFNWB
| Q4 25 | $3.9M | $10.3M | ||
| Q3 25 | $4.0M | $4.7M | ||
| Q2 25 | $1.9M | $4.0M | ||
| Q1 25 | $-631.0K | $-21.7M | ||
| Q4 24 | $4.4M | $12.5M | ||
| Q3 24 | $861.0K | $1.2M | ||
| Q2 24 | $1.4M | $8.1M | ||
| Q1 24 | $-429.0K | $-4.9M |
自由现金流ECBKFNWB
| Q4 25 | $3.9M | — | ||
| Q3 25 | $4.0M | — | ||
| Q2 25 | $1.8M | — | ||
| Q1 25 | $-649.0K | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | $1.3M | — | ||
| Q1 24 | $-449.0K | $-5.0M |
自由现金流率ECBKFNWB
| Q4 25 | 42.1% | — | ||
| Q3 25 | 46.8% | — | ||
| Q2 25 | 24.1% | — | ||
| Q1 25 | -9.8% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 22.4% | — | ||
| Q1 24 | -7.6% | -35.7% |
资本支出强度ECBKFNWB
| 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% | — | ||
| Q1 24 | 0.3% | 0.8% |
现金转化率ECBKFNWB
| Q4 25 | 1.51× | 26.94× | ||
| Q3 25 | 1.65× | 5.89× | ||
| Q2 25 | 1.32× | 1.08× | ||
| Q1 25 | -0.49× | — | ||
| Q4 24 | 3.05× | — | ||
| Q3 24 | 0.76× | — | ||
| Q2 24 | 1.75× | — | ||
| Q1 24 | -0.69× | -12.29× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
