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GREENE COUNTY BANCORP INC（GCBC）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GREENE COUNTY BANCORP INC的2.2倍（$42.9M vs $19.1M）。GREENE COUNTY BANCORP INC净利率更高（54.0% vs 42.3%，领先11.7%）。GREENE COUNTY BANCORP INC同比增速更快（35.5% vs 12.4%）。美国合众银行自由现金流更多（$20.2M vs $6.2M）。过去两年GREENE COUNTY BANCORP INC的营收复合增速更高（24.5% vs 11.5%）
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。
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。
GCBC vs SMBC — 直观对比
营收规模更大
SMBC
是对方的2.2倍
$19.1M
营收增速更快
GCBC
高出23.1%
12.4%
净利率更高
GCBC
高出11.7%
42.3%
自由现金流更多
SMBC
多$13.9M
$6.2M
两年增速更快
GCBC
近两年复合增速
11.5%
损益表 — Q2 2026 vs Q2 2026
| 指标 | | |
|---|---|---|
| 营收 | $19.1M | $42.9M |
| 净利润 | $10.3M | $18.1M |
| 毛利率 | — | — |
| 营业利润率 | 60.6% | 52.9% |
| 净利率 | 54.0% | 42.3% |
| 营收同比 | 35.5% | 12.4% |
| 净利润同比 | 37.4% | 23.9% |
| 每股收益（稀释后） | $0.60 | $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GCBCSMBC
| Q4 25 | $19.1M | $42.9M | ||
| Q3 25 | $17.5M | $42.4M | ||
| Q2 25 | $16.7M | $40.3M | ||
| Q1 25 | $16.2M | $39.5M | ||
| Q4 24 | $14.1M | $38.1M | ||
| Q3 24 | $13.1M | $36.7M | ||
| Q2 24 | $12.9M | $35.1M | ||
| Q1 24 | $12.3M | $34.5M |
净利润GCBCSMBC
| Q4 25 | $10.3M | $18.1M | ||
| Q3 25 | $8.9M | $15.7M | ||
| Q2 25 | $9.3M | $15.8M | ||
| Q1 25 | $8.1M | $15.7M | ||
| Q4 24 | $7.5M | $14.7M | ||
| Q3 24 | $6.3M | $12.5M | ||
| Q2 24 | $6.7M | $13.5M | ||
| Q1 24 | $5.9M | $11.3M |
营业利润率GCBCSMBC
| Q4 25 | 60.6% | 52.9% | ||
| Q3 25 | 58.2% | 45.8% | ||
| Q2 25 | 65.6% | 47.4% | ||
| Q1 25 | 55.2% | 50.2% | ||
| Q4 24 | 57.4% | 50.3% | ||
| Q3 24 | 50.9% | 43.2% | ||
| Q2 24 | 53.1% | 48.3% | ||
| Q1 24 | 50.3% | 41.0% |
净利率GCBCSMBC
| Q4 25 | 54.0% | 42.3% | ||
| Q3 25 | 50.6% | 36.9% | ||
| Q2 25 | 55.9% | 39.1% | ||
| Q1 25 | 49.7% | 39.7% | ||
| Q4 24 | 53.2% | 38.4% | ||
| Q3 24 | 47.7% | 34.0% | ||
| Q2 24 | 52.4% | 38.6% | ||
| Q1 24 | 47.7% | 32.8% |
每股收益（稀释后）GCBCSMBC
| Q4 25 | $0.60 | $1.62 | ||
| Q3 25 | $0.52 | $1.38 | ||
| Q2 25 | $0.55 | $1.39 | ||
| Q1 25 | $0.47 | $1.39 | ||
| Q4 24 | $0.44 | $1.30 | ||
| Q3 24 | $0.37 | $1.10 | ||
| Q2 24 | $0.39 | $1.20 | ||
| Q1 24 | $0.34 | $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 | — | $134.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $258.3M | $567.4M |
| 总资产 | $3.1B | $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GCBCSMBC
| Q4 25 | — | $134.1M | ||
| Q3 25 | — | $124.1M | ||
| Q2 25 | — | $192.9M | ||
| Q1 25 | $155.5M | $226.9M | ||
| Q4 24 | $166.4M | $145.8M | ||
| Q3 24 | — | $75.3M | ||
| Q2 24 | $190.4M | $60.9M | ||
| Q1 24 | — | $168.3M |
股东权益GCBCSMBC
| Q4 25 | $258.3M | $567.4M | ||
| Q3 25 | $248.2M | $560.2M | ||
| Q2 25 | $238.8M | $544.7M | ||
| Q1 25 | $229.0M | $528.8M | ||
| Q4 24 | $218.4M | $512.4M | ||
| Q3 24 | $216.3M | $505.6M | ||
| Q2 24 | $206.0M | $488.7M | ||
| Q1 24 | $199.2M | $479.6M |
总资产GCBCSMBC
| Q4 25 | $3.1B | $5.1B | ||
| Q3 25 | $3.1B | $5.0B | ||
| Q2 25 | $3.0B | $5.0B | ||
| Q1 25 | $3.0B | $5.0B | ||
| Q4 24 | $3.0B | $4.9B | ||
| Q3 24 | $2.9B | $4.7B | ||
| Q2 24 | $2.8B | $4.6B | ||
| Q1 24 | $2.9B | $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 | $6.4M | $21.3M |
| 自由现金流经营现金流 - 资本支出 | $6.2M | $20.2M |
| 自由现金流率自由现金流/营收 | 32.6% | 47.0% |
| 资本支出强度资本支出/营收 | 1.1% | 2.6% |
| 现金转化率经营现金流/净利润 | 0.62× | 1.17× |
| 过去12个月自由现金流最近4个季度 | $32.9M | $84.1M |
8季度趋势，按日历期对齐
经营现金流GCBCSMBC
| Q4 25 | $6.4M | $21.3M | ||
| Q3 25 | $7.0M | $16.3M | ||
| Q2 25 | $13.2M | $27.3M | ||
| Q1 25 | $7.3M | $24.1M | ||
| Q4 24 | $5.3M | $20.1M | ||
| Q3 24 | $2.1M | $10.0M | ||
| Q2 24 | $11.1M | $15.2M | ||
| Q1 24 | $5.6M | $23.9M |
自由现金流GCBCSMBC
| Q4 25 | $6.2M | $20.2M | ||
| Q3 25 | $6.5M | $15.4M | ||
| Q2 25 | $12.9M | $25.8M | ||
| Q1 25 | $7.3M | $22.7M | ||
| Q4 24 | $5.1M | $18.2M | ||
| Q3 24 | $2.0M | $8.6M | ||
| Q2 24 | $10.9M | $13.3M | ||
| Q1 24 | $4.9M | $19.6M |
自由现金流率GCBCSMBC
| Q4 25 | 32.6% | 47.0% | ||
| Q3 25 | 37.4% | 36.3% | ||
| Q2 25 | 77.3% | 64.1% | ||
| Q1 25 | 44.7% | 57.6% | ||
| Q4 24 | 36.5% | 47.6% | ||
| Q3 24 | 15.2% | 23.4% | ||
| Q2 24 | 84.5% | 37.9% | ||
| Q1 24 | 40.0% | 56.7% |
资本支出强度GCBCSMBC
| Q4 25 | 1.1% | 2.6% | ||
| Q3 25 | 2.3% | 2.1% | ||
| Q2 25 | 1.8% | 3.7% | ||
| Q1 25 | 0.3% | 3.5% | ||
| Q4 24 | 1.3% | 5.2% | ||
| Q3 24 | 1.2% | 3.9% | ||
| Q2 24 | 1.5% | 5.5% | ||
| Q1 24 | 5.4% | 12.5% |
现金转化率GCBCSMBC
| Q4 25 | 0.62× | 1.17× | ||
| Q3 25 | 0.78× | 1.04× | ||
| Q2 25 | 1.42× | 1.73× | ||
| Q1 25 | 0.91× | 1.54× | ||
| Q4 24 | 0.71× | 1.37× | ||
| Q3 24 | 0.34× | 0.80× | ||
| Q2 24 | 1.64× | 1.12× | ||
| Q1 24 | 0.95× | 2.11× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
