vs
合众银行（HBCP）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的季度营收约是合众银行的1.5倍（$58.4M vs $38.2M）。HERITAGE FINANCIAL CORP净利率更高（38.1% vs 29.7%，领先8.4%）。过去两年合众银行的营收复合增速更高（14.0% vs 6.4%）
该企业是总部位于美国明尼苏达州明尼阿波利斯、在特拉华州注册的跨国银行机构，截至2025年为美国第五大银行，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，主营银行、投资、抵押贷款等各类金融业务。
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。
HBCP vs HFWA — 直观对比
营收规模更大
HFWA
是对方的1.5倍
$38.2M
净利率更高
HFWA
高出8.4%
29.7%
两年增速更快
HBCP
近两年复合增速
6.4%
损益表 — Q1 2026 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $38.2M | $58.4M |
| 净利润 | $11.4M | $22.2M |
| 毛利率 | — | — |
| 营业利润率 | — | 44.0% |
| 净利率 | 29.7% | 38.1% |
| 营收同比 | — | 8.6% |
| 净利润同比 | -0.4% | 86.4% |
| 每股收益（稀释后） | $1.45 | $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HBCPHFWA
| Q1 26 | $38.2M | — | ||
| Q4 25 | $34.0M | $58.4M | ||
| Q3 25 | $34.1M | $57.4M | ||
| Q2 25 | $33.4M | $55.0M | ||
| Q1 25 | $31.7M | $53.7M | ||
| Q4 24 | $31.6M | $53.8M | ||
| Q3 24 | $30.4M | $53.0M | ||
| Q2 24 | $29.4M | $51.1M |
净利润HBCPHFWA
| Q1 26 | $11.4M | — | ||
| Q4 25 | $11.4M | $22.2M | ||
| Q3 25 | $12.4M | $19.2M | ||
| Q2 25 | $11.3M | $12.2M | ||
| Q1 25 | $11.0M | $13.9M | ||
| Q4 24 | $9.7M | $11.9M | ||
| Q3 24 | $9.4M | $11.4M | ||
| Q2 24 | $8.1M | $14.2M |
营业利润率HBCPHFWA
| Q1 26 | — | — | ||
| Q4 25 | 42.6% | 44.0% | ||
| Q3 25 | 45.6% | 38.9% | ||
| Q2 25 | 42.5% | 26.3% | ||
| Q1 25 | 43.4% | 30.1% | ||
| Q4 24 | 38.0% | 30.4% | ||
| Q3 24 | 38.4% | 24.7% | ||
| Q2 24 | 34.3% | 31.3% |
净利率HBCPHFWA
| Q1 26 | 29.7% | — | ||
| Q4 25 | 33.5% | 38.1% | ||
| Q3 25 | 36.2% | 33.4% | ||
| Q2 25 | 34.0% | 22.2% | ||
| Q1 25 | 34.5% | 25.9% | ||
| Q4 24 | 30.6% | 22.2% | ||
| Q3 24 | 31.1% | 21.6% | ||
| Q2 24 | 27.6% | 27.7% |
每股收益（稀释后）HBCPHFWA
| Q1 26 | $1.45 | — | ||
| Q4 25 | $1.46 | $0.65 | ||
| Q3 25 | $1.59 | $0.55 | ||
| Q2 25 | $1.45 | $0.36 | ||
| Q1 25 | $1.37 | $0.40 | ||
| Q4 24 | $1.21 | $0.34 | ||
| Q3 24 | $1.18 | $0.33 | ||
| Q2 24 | $1.02 | $0.41 |
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 | $223.5M | $233.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $444.4M | $921.5M |
| 总资产 | $3.6B | $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HBCPHFWA
| Q1 26 | $223.5M | — | ||
| 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 |
股东权益HBCPHFWA
| Q1 26 | $444.4M | — | ||
| Q4 25 | $435.1M | $921.5M | ||
| Q3 25 | $423.0M | $904.1M | ||
| Q2 25 | $408.8M | $888.2M | ||
| Q1 25 | $402.8M | $881.5M | ||
| Q4 24 | $396.1M | $863.5M | ||
| Q3 24 | $393.5M | $874.5M | ||
| Q2 24 | $375.8M | $850.5M |
总资产HBCPHFWA
| Q1 26 | $3.6B | — | ||
| Q4 25 | $3.5B | $7.0B | ||
| Q3 25 | $3.5B | $7.0B | ||
| Q2 25 | $3.5B | $7.1B | ||
| Q1 25 | $3.5B | $7.1B | ||
| Q4 24 | $3.4B | $7.1B | ||
| Q3 24 | $3.4B | $7.2B | ||
| Q2 24 | $3.4B | $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 | — | $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 | — | 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HBCPHFWA
| Q1 26 | — | — | ||
| Q4 25 | $11.7M | $28.0M | ||
| Q3 25 | $21.5M | $25.1M | ||
| Q2 25 | $8.7M | $22.5M | ||
| Q1 25 | $12.6M | $19.3M | ||
| Q4 24 | $5.8M | $20.6M | ||
| Q3 24 | $17.6M | $24.2M | ||
| Q2 24 | $15.0M | $6.8M |
自由现金流HBCPHFWA
| Q1 26 | — | — | ||
| Q4 25 | $7.1M | $22.3M | ||
| Q3 25 | $20.7M | $24.4M | ||
| Q2 25 | $7.9M | $20.9M | ||
| Q1 25 | $8.7M | $18.1M | ||
| Q4 24 | $5.3M | $19.8M | ||
| Q3 24 | $17.0M | $23.2M | ||
| Q2 24 | $13.4M | $6.0M |
自由现金流率HBCPHFWA
| Q1 26 | — | — | ||
| Q4 25 | 20.8% | 38.2% | ||
| Q3 25 | 60.6% | 42.5% | ||
| Q2 25 | 23.7% | 38.0% | ||
| Q1 25 | 27.4% | 33.7% | ||
| Q4 24 | 16.7% | 36.9% | ||
| Q3 24 | 55.8% | 43.9% | ||
| Q2 24 | 45.4% | 11.7% |
资本支出强度HBCPHFWA
| Q1 26 | — | — | ||
| Q4 25 | 13.6% | 9.8% | ||
| Q3 25 | 2.4% | 1.2% | ||
| Q2 25 | 2.5% | 2.9% | ||
| Q1 25 | 12.2% | 2.2% | ||
| Q4 24 | 1.7% | 1.5% | ||
| Q3 24 | 2.1% | 1.8% | ||
| Q2 24 | 5.5% | 1.6% |
现金转化率HBCPHFWA
| Q1 26 | — | — | ||
| Q4 25 | 1.02× | 1.26× | ||
| Q3 25 | 1.74× | 1.31× | ||
| Q2 25 | 0.77× | 1.84× | ||
| Q1 25 | 1.15× | 1.38× | ||
| Q4 24 | 0.60× | 1.73× | ||
| Q3 24 | 1.87× | 2.12× | ||
| Q2 24 | 1.84× | 0.48× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
HBCP
| Net Interest Income | $34.5M | 90% |
| Noninterest Income | $3.7M | 10% |
HFWA
暂无分部数据
