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ECB Bancorp, Inc.（ECBK）与美国合众银行（SMBC）财务数据对比。点击上方公司名可切换其他公司
美国合众银行的季度营收约是ECB Bancorp, Inc.的4.7倍（$42.9M vs $9.2M）。美国合众银行净利率更高（42.3% vs 28.4%，领先14.0%）。ECB Bancorp, Inc.同比增速更快（35.0% vs 12.4%）。美国合众银行自由现金流更多（$20.2M vs $3.9M）。过去两年ECB Bancorp, Inc.的营收复合增速更高（24.5% vs 11.5%）
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。
美国合众银行是一家总部位于明尼苏达州明尼阿波利斯、在特拉华州注册的美国跨国银行机构，截至2025年是美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的银行，旗下核心经营实体美国银行全国协会以U.S. Bank名义开展业务，提供银行、投资、抵押等相关金融服务。
ECBK vs SMBC — 直观对比
营收规模更大
SMBC
是对方的4.7倍
$9.2M
营收增速更快
ECBK
高出22.6%
12.4%
净利率更高
SMBC
高出14.0%
28.4%
自由现金流更多
SMBC
多$16.3M
$3.9M
两年增速更快
ECBK
近两年复合增速
11.5%
损益表 — Q4 2025 vs Q2 2026
| 指标 | | |
|---|---|---|
| 营收 | $9.2M | $42.9M |
| 净利润 | $2.6M | $18.1M |
| 毛利率 | — | — |
| 营业利润率 | 38.1% | 52.9% |
| 净利率 | 28.4% | 42.3% |
| 营收同比 | 35.0% | 12.4% |
| 净利润同比 | 79.5% | 23.9% |
| 每股收益（稀释后） | $0.32 | $1.62 |
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ECBKSMBC
| Q4 25 | $9.2M | $42.9M | ||
| Q3 25 | $8.5M | $42.4M | ||
| Q2 25 | $7.7M | $40.3M | ||
| Q1 25 | $6.6M | $39.5M | ||
| Q4 24 | $6.8M | $38.1M | ||
| Q3 24 | $6.3M | $36.7M | ||
| Q2 24 | $6.0M | $35.1M | ||
| Q1 24 | $5.9M | $34.5M |
净利润ECBKSMBC
| Q4 25 | $2.6M | $18.1M | ||
| Q3 25 | $2.4M | $15.7M | ||
| Q2 25 | $1.4M | $15.8M | ||
| Q1 25 | $1.3M | $15.7M | ||
| Q4 24 | $1.4M | $14.7M | ||
| Q3 24 | $1.1M | $12.5M | ||
| Q2 24 | $791.0K | $13.5M | ||
| Q1 24 | $621.0K | $11.3M |
营业利润率ECBKSMBC
| Q4 25 | 38.1% | 52.9% | ||
| Q3 25 | 38.5% | 45.8% | ||
| Q2 25 | 25.0% | 47.4% | ||
| Q1 25 | 25.9% | 50.2% | ||
| Q4 24 | 28.6% | 50.3% | ||
| Q3 24 | 24.4% | 43.2% | ||
| Q2 24 | 17.7% | 48.3% | ||
| Q1 24 | 14.1% | 41.0% |
净利率ECBKSMBC
| Q4 25 | 28.4% | 42.3% | ||
| Q3 25 | 28.8% | 36.9% | ||
| Q2 25 | 18.8% | 39.1% | ||
| Q1 25 | 19.5% | 39.7% | ||
| Q4 24 | 21.3% | 38.4% | ||
| Q3 24 | 18.0% | 34.0% | ||
| Q2 24 | 13.2% | 38.6% | ||
| Q1 24 | 10.5% | 32.8% |
每股收益（稀释后）ECBKSMBC
| Q4 25 | $0.32 | $1.62 | ||
| Q3 25 | $0.29 | $1.38 | ||
| Q2 25 | $0.17 | $1.39 | ||
| Q1 25 | $0.16 | $1.39 | ||
| Q4 24 | $0.18 | $1.30 | ||
| Q3 24 | $0.14 | $1.10 | ||
| Q2 24 | $0.09 | $1.20 | ||
| Q1 24 | $0.07 | $0.99 |
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 | $134.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $171.9M | $567.4M |
| 总资产 | $1.6B | $5.1B |
| 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ECBKSMBC
| Q4 25 | $82.8M | $134.1M | ||
| Q3 25 | $201.9M | $124.1M | ||
| Q2 25 | $191.0M | $192.9M | ||
| Q1 25 | $143.7M | $226.9M | ||
| Q4 24 | $309.4M | $145.8M | ||
| Q3 24 | $114.8M | $75.3M | ||
| Q2 24 | $108.7M | $60.9M | ||
| Q1 24 | $109.8M | $168.3M |
股东权益ECBKSMBC
| Q4 25 | $171.9M | $567.4M | ||
| Q3 25 | $169.3M | $560.2M | ||
| Q2 25 | $168.3M | $544.7M | ||
| Q1 25 | $168.6M | $528.8M | ||
| Q4 24 | $168.3M | $512.4M | ||
| Q3 24 | $166.0M | $505.6M | ||
| Q2 24 | $166.5M | $488.7M | ||
| Q1 24 | $165.8M | $479.6M |
总资产ECBKSMBC
| Q4 25 | $1.6B | $5.1B | ||
| Q3 25 | $1.6B | $5.0B | ||
| Q2 25 | $1.5B | $5.0B | ||
| Q1 25 | $1.5B | $5.0B | ||
| Q4 24 | $1.4B | $4.9B | ||
| Q3 24 | $1.4B | $4.7B | ||
| Q2 24 | $1.3B | $4.6B | ||
| Q1 24 | $1.3B | $4.6B |
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 | $21.3M |
| 自由现金流经营现金流 - 资本支出 | $3.9M | $20.2M |
| 自由现金流率自由现金流/营收 | 42.1% | 47.0% |
| 资本支出强度资本支出/营收 | 0.8% | 2.6% |
| 现金转化率经营现金流/净利润 | 1.51× | 1.17× |
| 过去12个月自由现金流最近4个季度 | $9.0M | $84.1M |
8季度趋势，按日历期对齐
经营现金流ECBKSMBC
| Q4 25 | $3.9M | $21.3M | ||
| Q3 25 | $4.0M | $16.3M | ||
| Q2 25 | $1.9M | $27.3M | ||
| Q1 25 | $-631.0K | $24.1M | ||
| Q4 24 | $4.4M | $20.1M | ||
| Q3 24 | $861.0K | $10.0M | ||
| Q2 24 | $1.4M | $15.2M | ||
| Q1 24 | $-429.0K | $23.9M |
自由现金流ECBKSMBC
| Q4 25 | $3.9M | $20.2M | ||
| Q3 25 | $4.0M | $15.4M | ||
| Q2 25 | $1.8M | $25.8M | ||
| Q1 25 | $-649.0K | $22.7M | ||
| Q4 24 | — | $18.2M | ||
| Q3 24 | — | $8.6M | ||
| Q2 24 | $1.3M | $13.3M | ||
| Q1 24 | $-449.0K | $19.6M |
自由现金流率ECBKSMBC
| Q4 25 | 42.1% | 47.0% | ||
| Q3 25 | 46.8% | 36.3% | ||
| Q2 25 | 24.1% | 64.1% | ||
| Q1 25 | -9.8% | 57.6% | ||
| Q4 24 | — | 47.6% | ||
| Q3 24 | — | 23.4% | ||
| Q2 24 | 22.4% | 37.9% | ||
| Q1 24 | -7.6% | 56.7% |
资本支出强度ECBKSMBC
| Q4 25 | 0.8% | 2.6% | ||
| Q3 25 | 0.8% | 2.1% | ||
| Q2 25 | 0.7% | 3.7% | ||
| Q1 25 | 0.3% | 3.5% | ||
| Q4 24 | 0.0% | 5.2% | ||
| Q3 24 | 0.0% | 3.9% | ||
| Q2 24 | 0.7% | 5.5% | ||
| Q1 24 | 0.3% | 12.5% |
现金转化率ECBKSMBC
| Q4 25 | 1.51× | 1.17× | ||
| Q3 25 | 1.65× | 1.04× | ||
| Q2 25 | 1.32× | 1.73× | ||
| Q1 25 | -0.49× | 1.54× | ||
| Q4 24 | 3.05× | 1.37× | ||
| Q3 24 | 0.76× | 0.80× | ||
| Q2 24 | 1.75× | 1.12× | ||
| Q1 24 | -0.69× | 2.11× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
