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GREAT SOUTHERN BANCORP, INC.（GSBC）与HERITAGE COMMERCE CORP（HTBK）财务数据对比。点击上方公司名可切换其他公司
GREAT SOUTHERN BANCORP, INC.的季度营收约是HERITAGE COMMERCE CORP的1.1倍（$56.4M vs $53.6M），GREAT SOUTHERN BANCORP, INC.净利率更高（28.9% vs 28.2%，领先0.7%），HERITAGE COMMERCE CORP同比增速更快（15.6% vs -0.2%），GREAT SOUTHERN BANCORP, INC.自由现金流更多（$70.1M vs $61.3M），过去两年HERITAGE COMMERCE CORP的营收复合增速更高（12.8% vs 4.5%）
该企业是美国的多元化银行金融机构，总部位于明尼苏达州明尼阿波利斯，在特拉华州注册。截至2025年，它是美国第五大银行，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金融机构，主营零售及企业银行业务、投资、抵押贷款等多元金融服务。
本文介绍的企业主体信息与内容描述不符，描述内容实际为美国商会，该商会成立于1912年4月23日，是美国规模最大的游说类商业协会 advocacy 团体，成立之初得益于时任总统威廉·霍华德·塔夫脱与劳工商务部长查尔斯·内格尔推动，旨在代表工商界发声。
GSBC vs HTBK — 直观对比
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $56.4M | $53.6M |
| 净利润 | $16.3M | $15.1M |
| 毛利率 | — | — |
| 营业利润率 | 34.5% | 41.0% |
| 净利率 | 28.9% | 28.2% |
| 营收同比 | -0.2% | 15.6% |
| 净利润同比 | 9.1% | 42.3% |
| 每股收益（稀释后） | $1.44 | $0.25 |
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
| Q4 25 | $56.4M | $53.6M | ||
| Q3 25 | $57.8M | $50.0M | ||
| Q2 25 | $59.2M | $47.8M | ||
| Q1 25 | $55.9M | $46.1M | ||
| Q4 24 | $56.5M | $46.4M | ||
| Q3 24 | $55.0M | $42.2M | ||
| Q2 24 | $56.7M | $41.7M | ||
| Q1 24 | $51.6M | $42.1M |
| Q4 25 | $16.3M | $15.1M | ||
| Q3 25 | $17.8M | $14.7M | ||
| Q2 25 | $19.8M | $6.4M | ||
| Q1 25 | $17.2M | $11.6M | ||
| Q4 24 | $14.9M | $10.6M | ||
| Q3 24 | $16.5M | $10.5M | ||
| Q2 24 | $17.0M | $9.2M | ||
| Q1 24 | $13.4M | $10.2M |
| Q4 25 | 34.5% | 41.0% | ||
| Q3 25 | 38.2% | 41.1% | ||
| Q2 25 | 41.0% | 18.7% | ||
| Q1 25 | 38.4% | 35.4% | ||
| Q4 24 | 31.8% | 31.8% | ||
| Q3 24 | 36.6% | 34.3% | ||
| Q2 24 | 36.8% | 31.3% | ||
| Q1 24 | 32.1% | 34.2% |
| Q4 25 | 28.9% | 28.2% | ||
| Q3 25 | 30.7% | 29.4% | ||
| Q2 25 | 33.4% | 13.4% | ||
| Q1 25 | 30.7% | 25.2% | ||
| Q4 24 | 26.4% | 22.9% | ||
| Q3 24 | 30.0% | 24.9% | ||
| Q2 24 | 30.0% | 22.1% | ||
| Q1 24 | 26.0% | 24.1% |
| Q4 25 | $1.44 | $0.25 | ||
| Q3 25 | $1.56 | $0.24 | ||
| Q2 25 | $1.72 | $0.10 | ||
| Q1 25 | $1.47 | $0.19 | ||
| Q4 24 | $1.27 | $0.17 | ||
| Q3 24 | $1.41 | $0.17 | ||
| Q2 24 | $1.45 | $0.15 | ||
| Q1 24 | $1.13 | $0.17 |
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 | $189.6M | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $636.1M | $708.6M |
| 总资产 | $5.6B | $5.8B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
| Q4 25 | $189.6M | — | ||
| Q3 25 | $196.2M | — | ||
| Q2 25 | $245.9M | — | ||
| Q1 25 | $217.2M | — | ||
| Q4 24 | $195.8M | — | ||
| Q3 24 | $208.4M | — | ||
| Q2 24 | $186.5M | — | ||
| Q1 24 | $171.4M | — |
| Q4 25 | $636.1M | $708.6M | ||
| Q3 25 | $632.9M | $700.0M | ||
| Q2 25 | $622.4M | $694.7M | ||
| Q1 25 | $613.3M | $696.2M | ||
| Q4 24 | $599.6M | $689.7M | ||
| Q3 24 | $612.1M | $685.4M | ||
| Q2 24 | $568.8M | $679.2M | ||
| Q1 24 | $565.2M | $676.3M |
| Q4 25 | $5.6B | $5.8B | ||
| Q3 25 | $5.7B | $5.6B | ||
| Q2 25 | $5.9B | $5.5B | ||
| Q1 25 | $6.0B | $5.5B | ||
| Q4 24 | $6.0B | $5.6B | ||
| Q3 24 | $6.0B | $5.6B | ||
| Q2 24 | $6.0B | $5.3B | ||
| Q1 24 | $5.8B | $5.3B |
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 | $81.5M | $61.7M |
| 自由现金流经营现金流 - 资本支出 | $70.1M | $61.3M |
| 自由现金流率自由现金流/营收 | 124.3% | 114.3% |
| 资本支出强度资本支出/营收 | 20.3% | 0.7% |
| 现金转化率经营现金流/净利润 | 5.01× | 4.08× |
| 过去12个月自由现金流最近4个季度 | $121.9M | — |
8季度趋势，按日历期对齐
| Q4 25 | $81.5M | $61.7M | ||
| Q3 25 | $5.6M | $18.9M | ||
| Q2 25 | $39.3M | $8.0M | ||
| Q1 25 | $15.0M | $14.8M | ||
| Q4 24 | $44.1M | $39.0M | ||
| Q3 24 | $17.7M | $5.3M | ||
| Q2 24 | $43.5M | $10.5M | ||
| Q1 24 | $-26.9M | $7.3M |
| Q4 25 | $70.1M | $61.3M | ||
| Q3 25 | $3.9M | $18.8M | ||
| Q2 25 | $34.9M | — | ||
| Q1 25 | $13.1M | — | ||
| Q4 24 | $39.1M | $37.3M | ||
| Q3 24 | $16.5M | $4.9M | ||
| Q2 24 | $42.0M | $9.9M | ||
| Q1 24 | $-27.7M | $6.9M |
| Q4 25 | 124.3% | 114.3% | ||
| Q3 25 | 6.7% | 37.7% | ||
| Q2 25 | 59.0% | — | ||
| Q1 25 | 23.4% | — | ||
| Q4 24 | 69.3% | 80.5% | ||
| Q3 24 | 30.1% | 11.6% | ||
| Q2 24 | 74.1% | 23.6% | ||
| Q1 24 | -53.7% | 16.4% |
| Q4 25 | 20.3% | 0.7% | ||
| Q3 25 | 3.0% | 0.1% | ||
| Q2 25 | 7.4% | — | ||
| Q1 25 | 3.5% | — | ||
| Q4 24 | 8.7% | 3.5% | ||
| Q3 24 | 2.1% | 1.0% | ||
| Q2 24 | 2.7% | 1.6% | ||
| Q1 24 | 1.6% | 1.0% |
| Q4 25 | 5.01× | 4.08× | ||
| Q3 25 | 0.31× | 1.28× | ||
| Q2 25 | 1.99× | 1.25× | ||
| Q1 25 | 0.87× | 1.28× | ||
| Q4 24 | 2.95× | 3.67× | ||
| Q3 24 | 1.07× | 0.50× | ||
| Q2 24 | 2.56× | 1.14× | ||
| Q1 24 | -2.01× | 0.72× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
