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ECB Bancorp, Inc.（ECBK）与HERITAGE FINANCIAL CORP（HFWA）财务数据对比。点击上方公司名可切换其他公司
HERITAGE FINANCIAL CORP的季度营收约是ECB Bancorp, Inc.的6.4倍（$58.4M vs $9.2M）。HERITAGE FINANCIAL CORP净利率更高（38.1% vs 28.4%，领先9.7%）。ECB Bancorp, Inc.同比增速更快（35.0% vs 8.6%）。HERITAGE FINANCIAL CORP自由现金流更多（$22.3M vs $3.9M）。过去两年ECB Bancorp, Inc.的营收复合增速更高（24.5% vs 6.4%）
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。
总部位于美国华盛顿州的区域性金融控股公司，面向太平洋西北地区的当地社群提供服务，核心业务涵盖商业与零售银行服务，包含存款产品、中小企业贷款、住房抵押贷款、个人信贷及财富管理解决方案，核心客群为中小微企业及个人客户。
ECBK vs HFWA — 直观对比
营收规模更大
HFWA
是对方的6.4倍
$9.2M
营收增速更快
ECBK
高出26.4%
8.6%
净利率更高
HFWA
高出9.7%
28.4%
自由现金流更多
HFWA
多$18.4M
$3.9M
两年增速更快
ECBK
近两年复合增速
6.4%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $9.2M | $58.4M |
| 净利润 | $2.6M | $22.2M |
| 毛利率 | — | — |
| 营业利润率 | 38.1% | 44.0% |
| 净利率 | 28.4% | 38.1% |
| 营收同比 | 35.0% | 8.6% |
| 净利润同比 | 79.5% | 86.4% |
| 每股收益（稀释后） | $0.32 | $0.65 |
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ECBKHFWA
| Q4 25 | $9.2M | $58.4M | ||
| Q3 25 | $8.5M | $57.4M | ||
| Q2 25 | $7.7M | $55.0M | ||
| Q1 25 | $6.6M | $53.7M | ||
| Q4 24 | $6.8M | $53.8M | ||
| Q3 24 | $6.3M | $53.0M | ||
| Q2 24 | $6.0M | $51.1M | ||
| Q1 24 | $5.9M | $51.5M |
净利润ECBKHFWA
| Q4 25 | $2.6M | $22.2M | ||
| Q3 25 | $2.4M | $19.2M | ||
| Q2 25 | $1.4M | $12.2M | ||
| Q1 25 | $1.3M | $13.9M | ||
| Q4 24 | $1.4M | $11.9M | ||
| Q3 24 | $1.1M | $11.4M | ||
| Q2 24 | $791.0K | $14.2M | ||
| Q1 24 | $621.0K | $5.7M |
营业利润率ECBKHFWA
| Q4 25 | 38.1% | 44.0% | ||
| Q3 25 | 38.5% | 38.9% | ||
| Q2 25 | 25.0% | 26.3% | ||
| Q1 25 | 25.9% | 30.1% | ||
| Q4 24 | 28.6% | 30.4% | ||
| Q3 24 | 24.4% | 24.7% | ||
| Q2 24 | 17.7% | 31.3% | ||
| Q1 24 | 14.1% | 13.3% |
净利率ECBKHFWA
| Q4 25 | 28.4% | 38.1% | ||
| Q3 25 | 28.8% | 33.4% | ||
| Q2 25 | 18.8% | 22.2% | ||
| Q1 25 | 19.5% | 25.9% | ||
| Q4 24 | 21.3% | 22.2% | ||
| Q3 24 | 18.0% | 21.6% | ||
| Q2 24 | 13.2% | 27.7% | ||
| Q1 24 | 10.5% | 11.2% |
每股收益（稀释后）ECBKHFWA
| Q4 25 | $0.32 | $0.65 | ||
| Q3 25 | $0.29 | $0.55 | ||
| Q2 25 | $0.17 | $0.36 | ||
| Q1 25 | $0.16 | $0.40 | ||
| Q4 24 | $0.18 | $0.34 | ||
| Q3 24 | $0.14 | $0.33 | ||
| Q2 24 | $0.09 | $0.41 | ||
| Q1 24 | $0.07 | $0.16 |
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 | $233.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $171.9M | $921.5M |
| 总资产 | $1.6B | $7.0B |
| 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ECBKHFWA
| Q4 25 | $82.8M | $233.1M | ||
| Q3 25 | $201.9M | $245.5M | ||
| Q2 25 | $191.0M | $254.1M | ||
| Q1 25 | $143.7M | $248.7M | ||
| Q4 24 | $309.4M | $117.1M | ||
| Q3 24 | $114.8M | $175.6M | ||
| Q2 24 | $108.7M | $113.8M | ||
| Q1 24 | $109.8M | $189.6M |
股东权益ECBKHFWA
| Q4 25 | $171.9M | $921.5M | ||
| Q3 25 | $169.3M | $904.1M | ||
| Q2 25 | $168.3M | $888.2M | ||
| Q1 25 | $168.6M | $881.5M | ||
| Q4 24 | $168.3M | $863.5M | ||
| Q3 24 | $166.0M | $874.5M | ||
| Q2 24 | $166.5M | $850.5M | ||
| Q1 24 | $165.8M | $847.6M |
总资产ECBKHFWA
| Q4 25 | $1.6B | $7.0B | ||
| Q3 25 | $1.6B | $7.0B | ||
| Q2 25 | $1.5B | $7.1B | ||
| Q1 25 | $1.5B | $7.1B | ||
| Q4 24 | $1.4B | $7.1B | ||
| Q3 24 | $1.4B | $7.2B | ||
| Q2 24 | $1.3B | $7.1B | ||
| Q1 24 | $1.3B | $7.1B |
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 | $28.0M |
| 自由现金流经营现金流 - 资本支出 | $3.9M | $22.3M |
| 自由现金流率自由现金流/营收 | 42.1% | 38.2% |
| 资本支出强度资本支出/营收 | 0.8% | 9.8% |
| 现金转化率经营现金流/净利润 | 1.51× | 1.26× |
| 过去12个月自由现金流最近4个季度 | $9.0M | $85.7M |
8季度趋势，按日历期对齐
经营现金流ECBKHFWA
| Q4 25 | $3.9M | $28.0M | ||
| Q3 25 | $4.0M | $25.1M | ||
| Q2 25 | $1.9M | $22.5M | ||
| Q1 25 | $-631.0K | $19.3M | ||
| Q4 24 | $4.4M | $20.6M | ||
| Q3 24 | $861.0K | $24.2M | ||
| Q2 24 | $1.4M | $6.8M | ||
| Q1 24 | $-429.0K | $12.9M |
自由现金流ECBKHFWA
| Q4 25 | $3.9M | $22.3M | ||
| Q3 25 | $4.0M | $24.4M | ||
| Q2 25 | $1.8M | $20.9M | ||
| Q1 25 | $-649.0K | $18.1M | ||
| Q4 24 | — | $19.8M | ||
| Q3 24 | — | $23.2M | ||
| Q2 24 | $1.3M | $6.0M | ||
| Q1 24 | $-449.0K | $12.0M |
自由现金流率ECBKHFWA
| Q4 25 | 42.1% | 38.2% | ||
| Q3 25 | 46.8% | 42.5% | ||
| Q2 25 | 24.1% | 38.0% | ||
| Q1 25 | -9.8% | 33.7% | ||
| Q4 24 | — | 36.9% | ||
| Q3 24 | — | 43.9% | ||
| Q2 24 | 22.4% | 11.7% | ||
| Q1 24 | -7.6% | 23.3% |
资本支出强度ECBKHFWA
| Q4 25 | 0.8% | 9.8% | ||
| Q3 25 | 0.8% | 1.2% | ||
| Q2 25 | 0.7% | 2.9% | ||
| Q1 25 | 0.3% | 2.2% | ||
| Q4 24 | 0.0% | 1.5% | ||
| Q3 24 | 0.0% | 1.8% | ||
| Q2 24 | 0.7% | 1.6% | ||
| Q1 24 | 0.3% | 1.7% |
现金转化率ECBKHFWA
| Q4 25 | 1.51× | 1.26× | ||
| Q3 25 | 1.65× | 1.31× | ||
| Q2 25 | 1.32× | 1.84× | ||
| Q1 25 | -0.49× | 1.38× | ||
| Q4 24 | 3.05× | 1.73× | ||
| Q3 24 | 0.76× | 2.12× | ||
| Q2 24 | 1.75× | 0.48× | ||
| Q1 24 | -0.69× | 2.24× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
