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HERITAGE FINANCIAL CORP（HFWA）与Third Coast Bancshares, Inc.（TCBX）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Third Coast Bancshares, Inc.的1.0倍（$58.4M vs $57.7M）。HERITAGE FINANCIAL CORP净利率更高（38.1% vs 28.4%，领先9.7%）。过去两年Third Coast Bancshares, Inc.的营收复合增速更高（21.8% vs 6.4%）
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。
Third Coast Bancshares Inc.是一家总部位于美国墨西哥湾沿岸地区的区域性金融控股公司，主要为得克萨斯州及周边区域的中小企业、个人消费者和社区客户提供商业与零售银行服务，覆盖存贷款、抵押贷款、财富管理等业务。
HFWA vs TCBX — 直观对比
营收规模更大
HFWA
是对方的1.0倍
$57.7M
净利率更高
HFWA
高出9.7%
28.4%
两年增速更快
TCBX
近两年复合增速
6.4%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $58.4M | $57.7M |
| 净利润 | $22.2M | $16.4M |
| 毛利率 | — | — |
| 营业利润率 | 44.0% | — |
| 净利率 | 38.1% | 28.4% |
| 营收同比 | 8.6% | — |
| 净利润同比 | 86.4% | 20.5% |
| 每股收益（稀释后） | $0.65 | $0.88 |
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HFWATCBX
| Q1 26 | — | $57.7M | ||
| Q4 25 | $58.4M | $52.2M | ||
| Q3 25 | $57.4M | $50.8M | ||
| Q2 25 | $55.0M | $49.4M | ||
| Q1 25 | $53.7M | $42.8M | ||
| Q4 24 | $53.8M | $43.4M | ||
| Q3 24 | $53.0M | $40.4M | ||
| Q2 24 | $51.1M | $38.9M |
净利润HFWATCBX
| Q1 26 | — | $16.4M | ||
| Q4 25 | $22.2M | $17.9M | ||
| Q3 25 | $19.2M | $18.1M | ||
| Q2 25 | $12.2M | $16.7M | ||
| Q1 25 | $13.9M | $13.6M | ||
| Q4 24 | $11.9M | $13.7M | ||
| Q3 24 | $11.4M | $12.8M | ||
| Q2 24 | $14.2M | $10.8M |
营业利润率HFWATCBX
| Q1 26 | — | — | ||
| Q4 25 | 44.0% | 41.2% | ||
| Q3 25 | 38.9% | 44.9% | ||
| Q2 25 | 26.3% | 42.6% | ||
| Q1 25 | 30.1% | 40.5% | ||
| Q4 24 | 30.4% | 41.3% | ||
| Q3 24 | 24.7% | 40.3% | ||
| Q2 24 | 31.3% | 36.6% |
净利率HFWATCBX
| Q1 26 | — | 28.4% | ||
| Q4 25 | 38.1% | 34.3% | ||
| Q3 25 | 33.4% | 35.5% | ||
| Q2 25 | 22.2% | 33.9% | ||
| Q1 25 | 25.9% | 31.8% | ||
| Q4 24 | 22.2% | 31.6% | ||
| Q3 24 | 21.6% | 31.6% | ||
| Q2 24 | 27.7% | 27.8% |
每股收益（稀释后）HFWATCBX
| Q1 26 | — | $0.88 | ||
| Q4 25 | $0.65 | $1.02 | ||
| Q3 25 | $0.55 | $1.03 | ||
| Q2 25 | $0.36 | $0.96 | ||
| Q1 25 | $0.40 | $0.78 | ||
| Q4 24 | $0.34 | $0.80 | ||
| Q3 24 | $0.33 | $0.74 | ||
| Q2 24 | $0.41 | $0.63 |
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 | — | — |
| 股东权益账面价值 | $921.5M | $650.5M |
| 总资产 | $7.0B | $6.6B |
| 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HFWATCBX
| Q1 26 | — | — | ||
| Q4 25 | $233.1M | $175.2M | ||
| Q3 25 | $245.5M | $116.4M | ||
| Q2 25 | $254.1M | $113.1M | ||
| Q1 25 | $248.7M | $219.0M | ||
| Q4 24 | $117.1M | $371.2M | ||
| Q3 24 | $175.6M | $258.2M | ||
| Q2 24 | $113.8M | $241.8M |
股东权益HFWATCBX
| Q1 26 | — | $650.5M | ||
| Q4 25 | $921.5M | $531.0M | ||
| Q3 25 | $904.1M | $513.8M | ||
| Q2 25 | $888.2M | $496.1M | ||
| Q1 25 | $881.5M | $479.8M | ||
| Q4 24 | $863.5M | $460.7M | ||
| Q3 24 | $874.5M | $450.5M | ||
| Q2 24 | $850.5M | $435.0M |
总资产HFWATCBX
| Q1 26 | — | $6.6B | ||
| Q4 25 | $7.0B | $5.3B | ||
| Q3 25 | $7.0B | $5.1B | ||
| Q2 25 | $7.1B | $4.9B | ||
| Q1 25 | $7.1B | $4.9B | ||
| Q4 24 | $7.1B | $4.9B | ||
| Q3 24 | $7.2B | $4.6B | ||
| Q2 24 | $7.1B | $4.5B |
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HFWATCBX
| Q1 26 | — | — | ||
| Q4 25 | $28.0M | $5.7M | ||
| Q3 25 | $25.1M | $20.7M | ||
| Q2 25 | $22.5M | $13.9M | ||
| Q1 25 | $19.3M | $10.5M | ||
| Q4 24 | $20.6M | $-3.6M | ||
| Q3 24 | $24.2M | $22.0M | ||
| Q2 24 | $6.8M | $7.3M |
自由现金流HFWATCBX
| Q1 26 | — | — | ||
| Q4 25 | $22.3M | — | ||
| Q3 25 | $24.4M | — | ||
| Q2 25 | $20.9M | — | ||
| Q1 25 | $18.1M | — | ||
| Q4 24 | $19.8M | — | ||
| Q3 24 | $23.2M | — | ||
| Q2 24 | $6.0M | — |
自由现金流率HFWATCBX
| Q1 26 | — | — | ||
| Q4 25 | 38.2% | — | ||
| Q3 25 | 42.5% | — | ||
| Q2 25 | 38.0% | — | ||
| Q1 25 | 33.7% | — | ||
| Q4 24 | 36.9% | — | ||
| Q3 24 | 43.9% | — | ||
| Q2 24 | 11.7% | — |
资本支出强度HFWATCBX
| Q1 26 | — | — | ||
| Q4 25 | 9.8% | — | ||
| Q3 25 | 1.2% | — | ||
| Q2 25 | 2.9% | — | ||
| Q1 25 | 2.2% | — | ||
| Q4 24 | 1.5% | — | ||
| Q3 24 | 1.8% | — | ||
| Q2 24 | 1.6% | — |
现金转化率HFWATCBX
| Q1 26 | — | — | ||
| Q4 25 | 1.26× | 0.32× | ||
| Q3 25 | 1.31× | 1.15× | ||
| Q2 25 | 1.84× | 0.83× | ||
| Q1 25 | 1.38× | 0.77× | ||
| Q4 24 | 1.73× | -0.26× | ||
| Q3 24 | 2.12× | 1.72× | ||
| Q2 24 | 0.48× | 0.68× |
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
TCBX
| Net Interest Income | $53.6M | 93% |
| Noninterest Income | $4.0M | 7% |
