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FLAGSTAR BANK, NATIONAL ASSOCIATION（FLG）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
FLAGSTAR BANK, NATIONAL ASSOCIATION的季度营收约是HERITAGE FINANCIAL CORP的8.5倍（$498.0M vs $58.4M）。HERITAGE FINANCIAL CORP净利率更高（38.1% vs 4.2%，领先33.9%）。HERITAGE FINANCIAL CORP同比增速更快（8.6% vs 1.6%）。过去两年HERITAGE FINANCIAL CORP的营收复合增速更高（6.4% vs -10.7%）
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。
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。
FLG vs HFWA — 直观对比
营收规模更大
FLG
是对方的8.5倍
$58.4M
营收增速更快
HFWA
高出6.9%
1.6%
净利率更高
HFWA
高出33.9%
4.2%
两年增速更快
HFWA
近两年复合增速
-10.7%
损益表 — Q1 2026 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $498.0M | $58.4M |
| 净利润 | $21.0M | $22.2M |
| 毛利率 | — | — |
| 营业利润率 | — | 44.0% |
| 净利率 | 4.2% | 38.1% |
| 营收同比 | 1.6% | 8.6% |
| 净利润同比 | -27.6% | 86.4% |
| 每股收益（稀释后） | $0.03 | $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FLGHFWA
| Q1 26 | $498.0M | — | ||
| Q4 25 | $2.1B | $58.4M | ||
| Q3 25 | $425.0M | $57.4M | ||
| Q2 25 | $419.0M | $55.0M | ||
| Q1 25 | — | $53.7M | ||
| Q4 24 | $461.0M | $53.8M | ||
| Q3 24 | $510.0M | $53.0M | ||
| Q2 24 | $557.0M | $51.1M |
净利润FLGHFWA
| Q1 26 | $21.0M | — | ||
| Q4 25 | $29.0M | $22.2M | ||
| Q3 25 | $-36.0M | $19.2M | ||
| Q2 25 | $-70.0M | $12.2M | ||
| Q1 25 | — | $13.9M | ||
| Q4 24 | $-188.0M | $11.9M | ||
| Q3 24 | $-280.0M | $11.4M | ||
| Q2 24 | $-323.0M | $14.2M |
营业利润率FLGHFWA
| Q1 26 | — | — | ||
| Q4 25 | — | 44.0% | ||
| Q3 25 | -9.6% | 38.9% | ||
| Q2 25 | -19.3% | 26.3% | ||
| Q1 25 | — | 30.1% | ||
| Q4 24 | -51.6% | 30.4% | ||
| Q3 24 | -65.7% | 24.7% | ||
| Q2 24 | -76.1% | 31.3% |
净利率FLGHFWA
| Q1 26 | 4.2% | — | ||
| Q4 25 | 1.4% | 38.1% | ||
| Q3 25 | -8.5% | 33.4% | ||
| Q2 25 | -16.7% | 22.2% | ||
| Q1 25 | — | 25.9% | ||
| Q4 24 | -40.8% | 22.2% | ||
| Q3 24 | -54.9% | 21.6% | ||
| Q2 24 | -58.0% | 27.7% |
每股收益（稀释后）FLGHFWA
| Q1 26 | $0.03 | — | ||
| Q4 25 | $0.05 | $0.65 | ||
| Q3 25 | $-0.11 | $0.55 | ||
| Q2 25 | $-0.19 | $0.36 | ||
| Q1 25 | — | $0.40 | ||
| Q4 24 | $-1.11 | $0.34 | ||
| Q3 24 | $-0.79 | $0.33 | ||
| Q2 24 | $-1.14 | $0.41 |
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 | — | $233.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $8.1B | $921.5M |
| 总资产 | $87.1B | $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FLGHFWA
| Q1 26 | — | — | ||
| Q4 25 | — | $233.1M | ||
| Q3 25 | $23.6B | $245.5M | ||
| Q2 25 | $22.9B | $254.1M | ||
| Q1 25 | — | $248.7M | ||
| Q4 24 | $25.8B | $117.1M | ||
| Q3 24 | $33.6B | $175.6M | ||
| Q2 24 | $29.5B | $113.8M |
总债务FLGHFWA
| 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FLGHFWA
| Q1 26 | $8.1B | — | ||
| Q4 25 | $8.1M | $921.5M | ||
| Q3 25 | $8.1B | $904.1M | ||
| Q2 25 | $8.1B | $888.2M | ||
| Q1 25 | — | $881.5M | ||
| Q4 24 | $8.2B | $863.5M | ||
| Q3 24 | $8.6B | $874.5M | ||
| Q2 24 | $8.4B | $850.5M |
总资产FLGHFWA
| Q1 26 | $87.1B | — | ||
| Q4 25 | $87.5M | $7.0B | ||
| Q3 25 | $91.7B | $7.0B | ||
| Q2 25 | $92.2B | $7.1B | ||
| Q1 25 | — | $7.1B | ||
| Q4 24 | $100.2B | $7.1B | ||
| Q3 24 | $114.4B | $7.2B | ||
| Q2 24 | $119.1B | $7.1B |
负债/权益比FLGHFWA
| 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 | — | $28.0M |
| 自由现金流经营现金流 - 资本支出 | — | $22.3M |
| 自由现金流率自由现金流/营收 | — | 38.2% |
| 资本支出强度资本支出/营收 | — | 9.8% |
| 现金转化率经营现金流/净利润 | — | 1.26× |
| 过去12个月自由现金流最近4个季度 | — | $85.7M |
8季度趋势，按日历期对齐
经营现金流FLGHFWA
| Q1 26 | — | — | ||
| Q4 25 | — | $28.0M | ||
| Q3 25 | $243.0M | $25.1M | ||
| Q2 25 | — | $22.5M | ||
| Q1 25 | — | $19.3M | ||
| Q4 24 | $623.0M | $20.6M | ||
| Q3 24 | $-1.0B | $24.2M | ||
| Q2 24 | $796.0M | $6.8M |
自由现金流FLGHFWA
| Q1 26 | — | — | ||
| Q4 25 | — | $22.3M | ||
| Q3 25 | — | $24.4M | ||
| Q2 25 | — | $20.9M | ||
| Q1 25 | — | $18.1M | ||
| Q4 24 | — | $19.8M | ||
| Q3 24 | — | $23.2M | ||
| Q2 24 | — | $6.0M |
自由现金流率FLGHFWA
| Q1 26 | — | — | ||
| Q4 25 | — | 38.2% | ||
| Q3 25 | — | 42.5% | ||
| Q2 25 | — | 38.0% | ||
| Q1 25 | — | 33.7% | ||
| Q4 24 | — | 36.9% | ||
| Q3 24 | — | 43.9% | ||
| Q2 24 | — | 11.7% |
资本支出强度FLGHFWA
| Q1 26 | — | — | ||
| Q4 25 | — | 9.8% | ||
| Q3 25 | — | 1.2% | ||
| Q2 25 | — | 2.9% | ||
| Q1 25 | — | 2.2% | ||
| Q4 24 | — | 1.5% | ||
| Q3 24 | — | 1.8% | ||
| Q2 24 | — | 1.6% |
现金转化率FLGHFWA
| Q1 26 | — | — | ||
| Q4 25 | — | 1.26× | ||
| Q3 25 | — | 1.31× | ||
| Q2 25 | — | 1.84× | ||
| Q1 25 | — | 1.38× | ||
| Q4 24 | — | 1.73× | ||
| Q3 24 | — | 2.12× | ||
| Q2 24 | — | 0.48× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
