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合众银行（HBCP）与Winchester Bancorp, Inc.（WSBK）财务数据对比。点击上方公司名可切换其他公司
合众银行的季度营收约是Winchester Bancorp, Inc.的5.9倍（$38.2M vs $6.4M），合众银行净利率更高（29.7% vs 16.7%，领先13.1%）
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。
温彻斯特银行控股公司（马里兰州）是一家区域性银行控股企业，主要在马里兰州运营社区银行网点，面向个人消费者和当地中小微企业客户提供存款账户、按揭贷款、小微企业贷款及财富管理等各类零售及商业银行服务。
HBCP vs WSBK — 直观对比
营收规模更大
HBCP
是对方的5.9倍
$6.4M
净利率更高
HBCP
高出13.1%
16.7%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $38.2M | $6.4M |
| 净利润 | $11.4M | $1.1M |
| 毛利率 | — | — |
| 营业利润率 | — | 20.9% |
| 净利率 | 29.7% | 16.7% |
| 营收同比 | — | 45.8% |
| 净利润同比 | -0.4% | 187.9% |
| 每股收益（稀释后） | $1.45 | $0.12 |
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HBCPWSBK
| Q1 26 | $38.2M | — | ||
| Q4 25 | $38.0M | $6.4M | ||
| Q3 25 | $37.8M | $5.8M | ||
| Q2 25 | $37.1M | — | ||
| Q1 25 | $35.8M | $4.4M | ||
| Q4 24 | $35.2M | $4.4M | ||
| Q3 24 | $34.1M | — | ||
| Q2 24 | $33.1M | — |
净利润HBCPWSBK
| Q1 26 | $11.4M | — | ||
| Q4 25 | $11.4M | $1.1M | ||
| Q3 25 | $12.4M | $962.0K | ||
| Q2 25 | $11.3M | — | ||
| Q1 25 | $11.0M | $305.0K | ||
| Q4 24 | $9.7M | $373.0K | ||
| Q3 24 | $9.4M | — | ||
| Q2 24 | $8.1M | — |
营业利润率HBCPWSBK
| Q1 26 | — | — | ||
| Q4 25 | 38.2% | 20.9% | ||
| Q3 25 | 41.1% | 22.8% | ||
| Q2 25 | 38.2% | — | ||
| Q1 25 | 38.6% | 8.5% | ||
| Q4 24 | 34.0% | 9.4% | ||
| Q3 24 | 34.3% | — | ||
| Q2 24 | 30.4% | — |
净利率HBCPWSBK
| Q1 26 | 29.7% | — | ||
| Q4 25 | 30.0% | 16.7% | ||
| Q3 25 | 32.7% | 16.6% | ||
| Q2 25 | 30.6% | — | ||
| Q1 25 | 30.7% | 7.0% | ||
| Q4 24 | 27.5% | 8.4% | ||
| Q3 24 | 27.7% | — | ||
| Q2 24 | 24.5% | — |
每股收益（稀释后）HBCPWSBK
| Q1 26 | $1.45 | — | ||
| Q4 25 | $1.46 | $0.12 | ||
| Q3 25 | $1.59 | $0.11 | ||
| Q2 25 | $1.45 | — | ||
| Q1 25 | $1.37 | — | ||
| Q4 24 | $1.21 | — | ||
| Q3 24 | $1.18 | — | ||
| Q2 24 | $1.02 | — |
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 | $54.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $444.4M | $118.2M |
| 总资产 | $3.6B | $1.0B |
| 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HBCPWSBK
| Q1 26 | $223.5M | — | ||
| Q4 25 | — | $54.8M | ||
| Q3 25 | — | $57.7M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $66.6M | ||
| Q4 24 | — | $41.5M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益HBCPWSBK
| Q1 26 | $444.4M | — | ||
| Q4 25 | $435.1M | $118.2M | ||
| Q3 25 | $423.0M | $117.0M | ||
| Q2 25 | $408.8M | — | ||
| Q1 25 | $402.8M | $80.9M | ||
| Q4 24 | $396.1M | $80.3M | ||
| Q3 24 | $393.5M | — | ||
| Q2 24 | $375.8M | — |
总资产HBCPWSBK
| Q1 26 | $3.6B | — | ||
| Q4 25 | $3.5B | $1.0B | ||
| Q3 25 | $3.5B | $1.0B | ||
| Q2 25 | $3.5B | — | ||
| Q1 25 | $3.5B | $923.1M | ||
| Q4 24 | $3.4B | $894.1M | ||
| Q3 24 | $3.4B | — | ||
| Q2 24 | $3.4B | — |
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 | — | $1.6M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | 1.44× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流HBCPWSBK
| Q1 26 | — | — | ||
| Q4 25 | $54.5M | $1.6M | ||
| Q3 25 | $21.5M | $1.4M | ||
| Q2 25 | $8.7M | — | ||
| Q1 25 | $12.6M | $848.0K | ||
| Q4 24 | $48.7M | — | ||
| Q3 24 | $17.6M | — | ||
| Q2 24 | $15.0M | — |
自由现金流HBCPWSBK
| Q1 26 | — | — | ||
| Q4 25 | $44.3M | — | ||
| Q3 25 | $20.7M | — | ||
| Q2 25 | $7.9M | — | ||
| Q1 25 | $8.7M | — | ||
| Q4 24 | $44.7M | — | ||
| Q3 24 | $17.0M | — | ||
| Q2 24 | $13.4M | — |
自由现金流率HBCPWSBK
| Q1 26 | — | — | ||
| Q4 25 | 116.5% | — | ||
| Q3 25 | 54.6% | — | ||
| Q2 25 | 21.3% | — | ||
| Q1 25 | 24.3% | — | ||
| Q4 24 | 126.9% | — | ||
| Q3 24 | 49.8% | — | ||
| Q2 24 | 40.3% | — |
资本支出强度HBCPWSBK
| Q1 26 | — | — | ||
| Q4 25 | 26.7% | — | ||
| Q3 25 | 2.2% | — | ||
| Q2 25 | 2.3% | — | ||
| Q1 25 | 10.8% | — | ||
| Q4 24 | 11.5% | — | ||
| Q3 24 | 1.9% | — | ||
| Q2 24 | 4.9% | — |
现金转化率HBCPWSBK
| Q1 26 | — | — | ||
| Q4 25 | 4.78× | 1.44× | ||
| Q3 25 | 1.74× | 1.41× | ||
| Q2 25 | 0.77× | — | ||
| Q1 25 | 1.15× | 2.78× | ||
| Q4 24 | 5.04× | — | ||
| Q3 24 | 1.87× | — | ||
| Q2 24 | 1.84× | — |
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% |
WSBK
暂无分部数据
