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GREENE COUNTY BANCORP INC（GCBC）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GREENE COUNTY BANCORP INC的3.1倍（$58.4M vs $19.1M）。GREENE COUNTY BANCORP INC净利率更高（54.0% vs 38.1%，领先15.9%）。GREENE COUNTY BANCORP INC同比增速更快（35.5% vs 8.6%）。HERITAGE FINANCIAL CORP自由现金流更多（$22.3M vs $6.2M）。过去两年GREENE COUNTY BANCORP INC的营收复合增速更高（24.5% vs 6.4%）
格林县银行股份公司是一家总部位于纽约州卡茨基尔的美国联邦注册储蓄银行，营业网点分布于纽约上州的格林县、哥伦比亚县、奥尔巴尼县、阿尔斯特县和伦斯勒县，主要服务纽约上州对应区域的客户与当地社区。
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。
GCBC vs HFWA — 直观对比
营收规模更大
HFWA
是对方的3.1倍
$19.1M
营收增速更快
GCBC
高出26.9%
8.6%
净利率更高
GCBC
高出15.9%
38.1%
自由现金流更多
HFWA
多$16.1M
$6.2M
两年增速更快
GCBC
近两年复合增速
6.4%
损益表 — Q2 2026 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $19.1M | $58.4M |
| 净利润 | $10.3M | $22.2M |
| 毛利率 | — | — |
| 营业利润率 | 60.6% | 44.0% |
| 净利率 | 54.0% | 38.1% |
| 营收同比 | 35.5% | 8.6% |
| 净利润同比 | 37.4% | 86.4% |
| 每股收益（稀释后） | $0.60 | $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GCBCHFWA
| Q4 25 | $19.1M | $58.4M | ||
| Q3 25 | $17.5M | $57.4M | ||
| Q2 25 | $16.7M | $55.0M | ||
| Q1 25 | $16.2M | $53.7M | ||
| Q4 24 | $14.1M | $53.8M | ||
| Q3 24 | $13.1M | $53.0M | ||
| Q2 24 | $12.9M | $51.1M | ||
| Q1 24 | $12.3M | $51.5M |
净利润GCBCHFWA
| Q4 25 | $10.3M | $22.2M | ||
| Q3 25 | $8.9M | $19.2M | ||
| Q2 25 | $9.3M | $12.2M | ||
| Q1 25 | $8.1M | $13.9M | ||
| Q4 24 | $7.5M | $11.9M | ||
| Q3 24 | $6.3M | $11.4M | ||
| Q2 24 | $6.7M | $14.2M | ||
| Q1 24 | $5.9M | $5.7M |
营业利润率GCBCHFWA
| Q4 25 | 60.6% | 44.0% | ||
| Q3 25 | 58.2% | 38.9% | ||
| Q2 25 | 65.6% | 26.3% | ||
| Q1 25 | 55.2% | 30.1% | ||
| Q4 24 | 57.4% | 30.4% | ||
| Q3 24 | 50.9% | 24.7% | ||
| Q2 24 | 53.1% | 31.3% | ||
| Q1 24 | 50.3% | 13.3% |
净利率GCBCHFWA
| Q4 25 | 54.0% | 38.1% | ||
| Q3 25 | 50.6% | 33.4% | ||
| Q2 25 | 55.9% | 22.2% | ||
| Q1 25 | 49.7% | 25.9% | ||
| Q4 24 | 53.2% | 22.2% | ||
| Q3 24 | 47.7% | 21.6% | ||
| Q2 24 | 52.4% | 27.7% | ||
| Q1 24 | 47.7% | 11.2% |
每股收益（稀释后）GCBCHFWA
| Q4 25 | $0.60 | $0.65 | ||
| Q3 25 | $0.52 | $0.55 | ||
| Q2 25 | $0.55 | $0.36 | ||
| Q1 25 | $0.47 | $0.40 | ||
| Q4 24 | $0.44 | $0.34 | ||
| Q3 24 | $0.37 | $0.33 | ||
| Q2 24 | $0.39 | $0.41 | ||
| Q1 24 | $0.34 | $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 | $258.3M | $921.5M |
| 总资产 | $3.1B | $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GCBCHFWA
| Q4 25 | — | $233.1M | ||
| Q3 25 | — | $245.5M | ||
| Q2 25 | — | $254.1M | ||
| Q1 25 | $155.5M | $248.7M | ||
| Q4 24 | $166.4M | $117.1M | ||
| Q3 24 | — | $175.6M | ||
| Q2 24 | $190.4M | $113.8M | ||
| Q1 24 | — | $189.6M |
股东权益GCBCHFWA
| Q4 25 | $258.3M | $921.5M | ||
| Q3 25 | $248.2M | $904.1M | ||
| Q2 25 | $238.8M | $888.2M | ||
| Q1 25 | $229.0M | $881.5M | ||
| Q4 24 | $218.4M | $863.5M | ||
| Q3 24 | $216.3M | $874.5M | ||
| Q2 24 | $206.0M | $850.5M | ||
| Q1 24 | $199.2M | $847.6M |
总资产GCBCHFWA
| Q4 25 | $3.1B | $7.0B | ||
| Q3 25 | $3.1B | $7.0B | ||
| Q2 25 | $3.0B | $7.1B | ||
| Q1 25 | $3.0B | $7.1B | ||
| Q4 24 | $3.0B | $7.1B | ||
| Q3 24 | $2.9B | $7.2B | ||
| Q2 24 | $2.8B | $7.1B | ||
| Q1 24 | $2.9B | $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 | $6.4M | $28.0M |
| 自由现金流经营现金流 - 资本支出 | $6.2M | $22.3M |
| 自由现金流率自由现金流/营收 | 32.6% | 38.2% |
| 资本支出强度资本支出/营收 | 1.1% | 9.8% |
| 现金转化率经营现金流/净利润 | 0.62× | 1.26× |
| 过去12个月自由现金流最近4个季度 | $32.9M | $85.7M |
8季度趋势，按日历期对齐
经营现金流GCBCHFWA
| Q4 25 | $6.4M | $28.0M | ||
| Q3 25 | $7.0M | $25.1M | ||
| Q2 25 | $13.2M | $22.5M | ||
| Q1 25 | $7.3M | $19.3M | ||
| Q4 24 | $5.3M | $20.6M | ||
| Q3 24 | $2.1M | $24.2M | ||
| Q2 24 | $11.1M | $6.8M | ||
| Q1 24 | $5.6M | $12.9M |
自由现金流GCBCHFWA
| Q4 25 | $6.2M | $22.3M | ||
| Q3 25 | $6.5M | $24.4M | ||
| Q2 25 | $12.9M | $20.9M | ||
| Q1 25 | $7.3M | $18.1M | ||
| Q4 24 | $5.1M | $19.8M | ||
| Q3 24 | $2.0M | $23.2M | ||
| Q2 24 | $10.9M | $6.0M | ||
| Q1 24 | $4.9M | $12.0M |
自由现金流率GCBCHFWA
| Q4 25 | 32.6% | 38.2% | ||
| Q3 25 | 37.4% | 42.5% | ||
| Q2 25 | 77.3% | 38.0% | ||
| Q1 25 | 44.7% | 33.7% | ||
| Q4 24 | 36.5% | 36.9% | ||
| Q3 24 | 15.2% | 43.9% | ||
| Q2 24 | 84.5% | 11.7% | ||
| Q1 24 | 40.0% | 23.3% |
资本支出强度GCBCHFWA
| Q4 25 | 1.1% | 9.8% | ||
| Q3 25 | 2.3% | 1.2% | ||
| Q2 25 | 1.8% | 2.9% | ||
| Q1 25 | 0.3% | 2.2% | ||
| Q4 24 | 1.3% | 1.5% | ||
| Q3 24 | 1.2% | 1.8% | ||
| Q2 24 | 1.5% | 1.6% | ||
| Q1 24 | 5.4% | 1.7% |
现金转化率GCBCHFWA
| Q4 25 | 0.62× | 1.26× | ||
| Q3 25 | 0.78× | 1.31× | ||
| Q2 25 | 1.42× | 1.84× | ||
| Q1 25 | 0.91× | 1.38× | ||
| Q4 24 | 0.71× | 1.73× | ||
| Q3 24 | 0.34× | 2.12× | ||
| Q2 24 | 1.64× | 0.48× | ||
| Q1 24 | 0.95× | 2.24× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
