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First Northwest Bancorp（FNWB）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First Northwest Bancorp的4.0倍（$58.4M vs $14.7M）。HERITAGE FINANCIAL CORP净利率更高（38.1% vs 2.6%，领先35.5%）。HERITAGE FINANCIAL CORP同比增速更快（8.6% vs 3.9%）。过去两年HERITAGE FINANCIAL CORP的营收复合增速更高（6.4% vs 2.7%）
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。
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。
FNWB vs HFWA — 直观对比
营收规模更大
HFWA
是对方的4.0倍
$14.7M
营收增速更快
HFWA
高出4.6%
3.9%
净利率更高
HFWA
高出35.5%
2.6%
两年增速更快
HFWA
近两年复合增速
2.7%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $14.7M | $58.4M |
| 净利润 | $382.0K | $22.2M |
| 毛利率 | — | — |
| 营业利润率 | 6.2% | 44.0% |
| 净利率 | 2.6% | 38.1% |
| 营收同比 | 3.9% | 8.6% |
| 净利润同比 | 113.6% | 86.4% |
| 每股收益（稀释后） | $0.04 | $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FNWBHFWA
| Q4 25 | $14.7M | $58.4M | ||
| Q3 25 | $14.6M | $57.4M | ||
| Q2 25 | $14.2M | $55.0M | ||
| Q1 25 | $13.8M | $53.7M | ||
| Q4 24 | $14.1M | $53.8M | ||
| Q3 24 | $14.0M | $53.0M | ||
| Q2 24 | $14.2M | $51.1M | ||
| Q1 24 | $13.9M | $51.5M |
净利润FNWBHFWA
| Q4 25 | $382.0K | $22.2M | ||
| Q3 25 | $802.0K | $19.2M | ||
| Q2 25 | $3.7M | $12.2M | ||
| Q1 25 | $-9.0M | $13.9M | ||
| Q4 24 | $-2.8M | $11.9M | ||
| Q3 24 | $-2.0M | $11.4M | ||
| Q2 24 | $-2.2M | $14.2M | ||
| Q1 24 | $396.0K | $5.7M |
营业利润率FNWBHFWA
| Q4 25 | 6.2% | 44.0% | ||
| Q3 25 | -1.0% | 38.9% | ||
| Q2 25 | 27.9% | 26.3% | ||
| Q1 25 | -73.4% | 30.1% | ||
| Q4 24 | -17.3% | 30.4% | ||
| Q3 24 | -22.7% | 24.7% | ||
| Q2 24 | -19.4% | 31.3% | ||
| Q1 24 | 6.1% | 13.3% |
净利率FNWBHFWA
| Q4 25 | 2.6% | 38.1% | ||
| Q3 25 | 5.5% | 33.4% | ||
| Q2 25 | 25.8% | 22.2% | ||
| Q1 25 | -65.3% | 25.9% | ||
| Q4 24 | -19.9% | 22.2% | ||
| Q3 24 | -14.1% | 21.6% | ||
| Q2 24 | -15.6% | 27.7% | ||
| Q1 24 | 2.8% | 11.2% |
每股收益（稀释后）FNWBHFWA
| Q4 25 | $0.04 | $0.65 | ||
| Q3 25 | $0.09 | $0.55 | ||
| Q2 25 | $0.42 | $0.36 | ||
| Q1 25 | $-1.03 | $0.40 | ||
| Q4 24 | $-0.31 | $0.34 | ||
| Q3 24 | $-0.23 | $0.33 | ||
| Q2 24 | $-0.25 | $0.41 | ||
| Q1 24 | $0.04 | $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 | — | $233.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $157.3M | $921.5M |
| 总资产 | $2.1B | $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FNWBHFWA
| Q4 25 | — | $233.1M | ||
| Q3 25 | — | $245.5M | ||
| Q2 25 | — | $254.1M | ||
| Q1 25 | — | $248.7M | ||
| Q4 24 | — | $117.1M | ||
| Q3 24 | — | $175.6M | ||
| Q2 24 | — | $113.8M | ||
| Q1 24 | — | $189.6M |
股东权益FNWBHFWA
| Q4 25 | $157.3M | $921.5M | ||
| Q3 25 | $154.5M | $904.1M | ||
| Q2 25 | $149.7M | $888.2M | ||
| Q1 25 | $146.5M | $881.5M | ||
| Q4 24 | $153.9M | $863.5M | ||
| Q3 24 | $160.8M | $874.5M | ||
| Q2 24 | $158.9M | $850.5M | ||
| Q1 24 | $160.5M | $847.6M |
总资产FNWBHFWA
| Q4 25 | $2.1B | $7.0B | ||
| Q3 25 | $2.1B | $7.0B | ||
| Q2 25 | $2.2B | $7.1B | ||
| Q1 25 | $2.2B | $7.1B | ||
| Q4 24 | $2.2B | $7.1B | ||
| Q3 24 | $2.3B | $7.2B | ||
| Q2 24 | $2.2B | $7.1B | ||
| Q1 24 | $2.2B | $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 | $10.3M | $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 | 26.94× | 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FNWBHFWA
| Q4 25 | $10.3M | $28.0M | ||
| Q3 25 | $4.7M | $25.1M | ||
| Q2 25 | $4.0M | $22.5M | ||
| Q1 25 | $-21.7M | $19.3M | ||
| Q4 24 | $12.5M | $20.6M | ||
| Q3 24 | $1.2M | $24.2M | ||
| Q2 24 | $8.1M | $6.8M | ||
| Q1 24 | $-4.9M | $12.9M |
自由现金流FNWBHFWA
| 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 | ||
| Q1 24 | $-5.0M | $12.0M |
自由现金流率FNWBHFWA
| 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% | ||
| Q1 24 | -35.7% | 23.3% |
资本支出强度FNWBHFWA
| 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% | ||
| Q1 24 | 0.8% | 1.7% |
现金转化率FNWBHFWA
| Q4 25 | 26.94× | 1.26× | ||
| Q3 25 | 5.89× | 1.31× | ||
| Q2 25 | 1.08× | 1.84× | ||
| Q1 25 | — | 1.38× | ||
| Q4 24 | — | 1.73× | ||
| Q3 24 | — | 2.12× | ||
| Q2 24 | — | 0.48× | ||
| Q1 24 | -12.29× | 2.24× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
