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HERITAGE FINANCIAL CORP（HFWA）与MERCANTILE BANK CORP（MBWM）财务数据对比。点击上方公司名可切换其他公司
MERCANTILE BANK CORP的季度营收约是HERITAGE FINANCIAL CORP的1.0倍（$67.6M vs $66.3M），MERCANTILE BANK CORP净利率更高（33.6% vs 33.5%，领先0.0%），过去两年HERITAGE FINANCIAL CORP的营收复合增速更高（16.8% vs 9.1%）
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。
泰米尔纳德商业银行（TMB）是一家印度银行，总部位于泰米尔纳德邦杜蒂戈林。该行始建于1921年，最初名为纳达尔银行，1962年11月更名为泰米尔纳德商业银行，以拓展纳达尔社群以外的业务。目前该银行在印度全境拥有600家全功能网点、12个区域办事处及各类配套服务中心与自助设施。
HFWA vs MBWM — 直观对比
营收规模更大
MBWM
是对方的1.0倍
$66.3M
净利率更高
MBWM
高出0.0%
33.5%
两年增速更快
HFWA
近两年复合增速
9.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $66.3M | $67.6M |
| 净利润 | $22.2M | $22.7M |
| 毛利率 | — | — |
| 营业利润率 | 38.7% | — |
| 净利率 | 33.5% | 33.6% |
| 营收同比 | 16.3% | — |
| 净利润同比 | 86.4% | 16.1% |
| 每股收益（稀释后） | $0.65 | $1.32 |
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HFWAMBWM
| Q1 26 | — | $67.6M | ||
| Q4 25 | $66.3M | $62.1M | ||
| Q3 25 | $65.7M | $62.4M | ||
| Q2 25 | $56.5M | $60.9M | ||
| Q1 25 | $57.6M | $57.3M | ||
| Q4 24 | $57.1M | $58.5M | ||
| Q3 24 | $54.8M | $58.0M | ||
| Q2 24 | $56.4M | $56.8M |
净利润HFWAMBWM
| Q1 26 | — | $22.7M | ||
| Q4 25 | $22.2M | $22.8M | ||
| Q3 25 | $19.2M | $23.8M | ||
| Q2 25 | $12.2M | $22.6M | ||
| Q1 25 | $13.9M | $19.5M | ||
| Q4 24 | $11.9M | $19.6M | ||
| Q3 24 | $11.4M | $19.6M | ||
| Q2 24 | $14.2M | $18.8M |
营业利润率HFWAMBWM
| Q1 26 | — | — | ||
| Q4 25 | 38.7% | 42.0% | ||
| Q3 25 | 34.0% | 44.0% | ||
| Q2 25 | 25.6% | 42.6% | ||
| Q1 25 | 28.1% | 42.0% | ||
| Q4 24 | 28.6% | 39.7% | ||
| Q3 24 | 23.8% | 42.4% | ||
| Q2 24 | 28.4% | 41.4% |
净利率HFWAMBWM
| Q1 26 | — | 33.6% | ||
| Q4 25 | 33.5% | 36.8% | ||
| Q3 25 | 29.2% | 38.1% | ||
| Q2 25 | 21.6% | 37.1% | ||
| Q1 25 | 24.2% | 34.1% | ||
| Q4 24 | 20.9% | 33.5% | ||
| Q3 24 | 20.8% | 33.8% | ||
| Q2 24 | 25.1% | 33.1% |
每股收益（稀释后）HFWAMBWM
| Q1 26 | — | $1.32 | ||
| Q4 25 | $0.65 | $1.41 | ||
| Q3 25 | $0.55 | $1.46 | ||
| Q2 25 | $0.36 | $1.39 | ||
| Q1 25 | $0.40 | $1.21 | ||
| Q4 24 | $0.34 | $1.20 | ||
| Q3 24 | $0.33 | $1.22 | ||
| Q2 24 | $0.41 | $1.17 |
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 | $233.1M | — |
| 总债务越低越好 | — | $1.5M |
| 股东权益账面价值 | $921.5M | $736.9M |
| 总资产 | $7.0B | $6.9B |
| 负债/权益比越低杠杆越低 | — | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资HFWAMBWM
| Q1 26 | — | — | ||
| 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 | — |
总债务HFWAMBWM
| Q1 26 | — | $1.5M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益HFWAMBWM
| Q1 26 | — | $736.9M | ||
| Q4 25 | $921.5M | $724.9M | ||
| Q3 25 | $904.1M | $657.6M | ||
| Q2 25 | $888.2M | $631.5M | ||
| Q1 25 | $881.5M | $608.3M | ||
| Q4 24 | $863.5M | $584.5M | ||
| Q3 24 | $874.5M | $583.3M | ||
| Q2 24 | $850.5M | $551.2M |
总资产HFWAMBWM
| Q1 26 | — | $6.9B | ||
| Q4 25 | $7.0B | $6.8B | ||
| Q3 25 | $7.0B | $6.3B | ||
| Q2 25 | $7.1B | $6.2B | ||
| Q1 25 | $7.1B | $6.1B | ||
| Q4 24 | $7.1B | $6.1B | ||
| Q3 24 | $7.2B | $5.9B | ||
| Q2 24 | $7.1B | $5.6B |
负债/权益比HFWAMBWM
| Q1 26 | — | 0.00× | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | $94.8M | — |
| 自由现金流经营现金流 - 资本支出 | $85.7M | — |
| 自由现金流率自由现金流/营收 | 129.1% | — |
| 资本支出强度资本支出/营收 | 13.8% | — |
| 现金转化率经营现金流/净利润 | 4.26× | — |
| 过去12个月自由现金流最近4个季度 | $149.0M | — |
8季度趋势，按日历期对齐
经营现金流HFWAMBWM
| Q1 26 | — | — | ||
| Q4 25 | $94.8M | $18.0M | ||
| Q3 25 | $25.1M | $23.1M | ||
| Q2 25 | $22.5M | $-7.8M | ||
| Q1 25 | $19.3M | $-3.0M | ||
| Q4 24 | $64.5M | $101.1M | ||
| Q3 24 | $24.2M | $-8.1M | ||
| Q2 24 | $6.8M | $9.1M |
自由现金流HFWAMBWM
| Q1 26 | — | — | ||
| Q4 25 | $85.7M | — | ||
| Q3 25 | $24.4M | — | ||
| Q2 25 | $20.9M | — | ||
| Q1 25 | $18.1M | — | ||
| Q4 24 | $61.0M | — | ||
| Q3 24 | $23.2M | — | ||
| Q2 24 | $6.0M | — |
自由现金流率HFWAMBWM
| Q1 26 | — | — | ||
| Q4 25 | 129.1% | — | ||
| Q3 25 | 37.1% | — | ||
| Q2 25 | 37.0% | — | ||
| Q1 25 | 31.4% | — | ||
| Q4 24 | 107.0% | — | ||
| Q3 24 | 42.4% | — | ||
| Q2 24 | 10.6% | — |
资本支出强度HFWAMBWM
| Q1 26 | — | — | ||
| Q4 25 | 13.8% | — | ||
| Q3 25 | 1.0% | — | ||
| Q2 25 | 2.8% | — | ||
| Q1 25 | 2.0% | — | ||
| Q4 24 | 6.1% | — | ||
| Q3 24 | 1.7% | — | ||
| Q2 24 | 1.5% | — |
现金转化率HFWAMBWM
| Q1 26 | — | — | ||
| Q4 25 | 4.26× | 0.79× | ||
| Q3 25 | 1.31× | 0.97× | ||
| Q2 25 | 1.84× | -0.35× | ||
| Q1 25 | 1.38× | -0.15× | ||
| Q4 24 | 5.41× | 5.15× | ||
| Q3 24 | 2.12× | -0.41× | ||
| Q2 24 | 0.48× | 0.49× |
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
HFWA
暂无分部数据
MBWM
| Net Interest Income | $55.9M | 83% |
| Noninterest Income | $11.7M | 17% |
