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FLAGSTAR BANK, NATIONAL ASSOCIATION（FLG）与Winchester Bancorp, Inc.（WSBK）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Winchester Bancorp, Inc.的77.3倍（$498.0M vs $6.4M），Winchester Bancorp, Inc.净利率更高（16.7% vs 4.2%，领先12.4%），Winchester Bancorp, Inc.同比增速更快（45.8% vs 1.6%）
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。
温彻斯特银行控股公司（马里兰州）是一家区域性银行控股企业，主要在马里兰州运营社区银行网点，面向个人消费者和当地中小微企业客户提供存款账户、按揭贷款、小微企业贷款及财富管理等各类零售及商业银行服务。
FLG vs WSBK — 直观对比
营收规模更大
FLG
是对方的77.3倍
$6.4M
营收增速更快
WSBK
高出44.2%
1.6%
净利率更高
WSBK
高出12.4%
4.2%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $498.0M | $6.4M |
| 净利润 | $21.0M | $1.1M |
| 毛利率 | — | — |
| 营业利润率 | — | 20.9% |
| 净利率 | 4.2% | 16.7% |
| 营收同比 | 1.6% | 45.8% |
| 净利润同比 | -27.6% | 187.9% |
| 每股收益（稀释后） | $0.03 | $0.12 |
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FLGWSBK
| Q1 26 | $498.0M | — | ||
| Q4 25 | $2.1B | $6.4M | ||
| Q3 25 | $425.0M | $5.8M | ||
| Q2 25 | $419.0M | — | ||
| Q1 25 | — | $4.4M | ||
| Q4 24 | $461.0M | $4.4M | ||
| Q3 24 | $510.0M | — | ||
| Q2 24 | $557.0M | — |
净利润FLGWSBK
| Q1 26 | $21.0M | — | ||
| Q4 25 | $29.0M | $1.1M | ||
| Q3 25 | $-36.0M | $962.0K | ||
| Q2 25 | $-70.0M | — | ||
| Q1 25 | — | $305.0K | ||
| Q4 24 | $-188.0M | $373.0K | ||
| Q3 24 | $-280.0M | — | ||
| Q2 24 | $-323.0M | — |
营业利润率FLGWSBK
| Q1 26 | — | — | ||
| Q4 25 | — | 20.9% | ||
| Q3 25 | -9.6% | 22.8% | ||
| Q2 25 | -19.3% | — | ||
| Q1 25 | — | 8.5% | ||
| Q4 24 | -51.6% | 9.4% | ||
| Q3 24 | -65.7% | — | ||
| Q2 24 | -76.1% | — |
净利率FLGWSBK
| Q1 26 | 4.2% | — | ||
| Q4 25 | 1.4% | 16.7% | ||
| Q3 25 | -8.5% | 16.6% | ||
| Q2 25 | -16.7% | — | ||
| Q1 25 | — | 7.0% | ||
| Q4 24 | -40.8% | 8.4% | ||
| Q3 24 | -54.9% | — | ||
| Q2 24 | -58.0% | — |
每股收益（稀释后）FLGWSBK
| Q1 26 | $0.03 | — | ||
| Q4 25 | $0.05 | $0.12 | ||
| Q3 25 | $-0.11 | $0.11 | ||
| Q2 25 | $-0.19 | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $-1.11 | — | ||
| Q3 24 | $-0.79 | — | ||
| Q2 24 | $-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 | — | $54.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $8.1B | $118.2M |
| 总资产 | $87.1B | $1.0B |
| 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FLGWSBK
| Q1 26 | — | — | ||
| Q4 25 | — | $54.8M | ||
| Q3 25 | $23.6B | $57.7M | ||
| Q2 25 | $22.9B | — | ||
| Q1 25 | — | $66.6M | ||
| Q4 24 | $25.8B | $41.5M | ||
| Q3 24 | $33.6B | — | ||
| Q2 24 | $29.5B | — |
总债务FLGWSBK
| 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FLGWSBK
| Q1 26 | $8.1B | — | ||
| Q4 25 | $8.1M | $118.2M | ||
| Q3 25 | $8.1B | $117.0M | ||
| Q2 25 | $8.1B | — | ||
| Q1 25 | — | $80.9M | ||
| Q4 24 | $8.2B | $80.3M | ||
| Q3 24 | $8.6B | — | ||
| Q2 24 | $8.4B | — |
总资产FLGWSBK
| Q1 26 | $87.1B | — | ||
| Q4 25 | $87.5M | $1.0B | ||
| Q3 25 | $91.7B | $1.0B | ||
| Q2 25 | $92.2B | — | ||
| Q1 25 | — | $923.1M | ||
| Q4 24 | $100.2B | $894.1M | ||
| Q3 24 | $114.4B | — | ||
| Q2 24 | $119.1B | — |
负债/权益比FLGWSBK
| 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 | — | $1.6M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | 1.44× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流FLGWSBK
| Q1 26 | — | — | ||
| Q4 25 | — | $1.6M | ||
| Q3 25 | $243.0M | $1.4M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $848.0K | ||
| Q4 24 | $623.0M | — | ||
| Q3 24 | $-1.0B | — | ||
| Q2 24 | $796.0M | — |
现金转化率FLGWSBK
| Q1 26 | — | — | ||
| Q4 25 | — | 1.44× | ||
| Q3 25 | — | 1.41× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 2.78× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
