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HERITAGE FINANCIAL CORP（HFWA）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
HERITAGE FINANCIAL CORP的季度营收约是Winchester Bancorp, Inc.的10.3倍（$66.3M vs $6.4M），HERITAGE FINANCIAL CORP净利率更高（33.5% vs 16.7%，领先16.9%），Winchester Bancorp, Inc.同比增速更快（45.8% vs 16.3%）
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。
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。
HFWA vs WSBK — 直观对比
营收规模更大
HFWA
是对方的10.3倍
$6.4M
营收增速更快
WSBK
高出29.6%
16.3%
净利率更高
HFWA
高出16.9%
16.7%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $66.3M | $6.4M |
| 净利润 | $22.2M | $1.1M |
| 毛利率 | — | — |
| 营业利润率 | 38.7% | 20.9% |
| 净利率 | 33.5% | 16.7% |
| 营收同比 | 16.3% | 45.8% |
| 净利润同比 | 86.4% | 187.9% |
| 每股收益（稀释后） | $0.65 | $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HFWAWSBK
| Q4 25 | $66.3M | $6.4M | ||
| Q3 25 | $65.7M | $5.8M | ||
| Q2 25 | $56.5M | — | ||
| Q1 25 | $57.6M | $4.4M | ||
| Q4 24 | $57.1M | $4.4M | ||
| Q3 24 | $54.8M | — | ||
| Q2 24 | $56.4M | — | ||
| Q1 24 | $48.6M | — |
净利润HFWAWSBK
| Q4 25 | $22.2M | $1.1M | ||
| Q3 25 | $19.2M | $962.0K | ||
| Q2 25 | $12.2M | — | ||
| Q1 25 | $13.9M | $305.0K | ||
| Q4 24 | $11.9M | $373.0K | ||
| Q3 24 | $11.4M | — | ||
| Q2 24 | $14.2M | — | ||
| Q1 24 | $5.7M | — |
营业利润率HFWAWSBK
| Q4 25 | 38.7% | 20.9% | ||
| Q3 25 | 34.0% | 22.8% | ||
| Q2 25 | 25.6% | — | ||
| Q1 25 | 28.1% | 8.5% | ||
| Q4 24 | 28.6% | 9.4% | ||
| Q3 24 | 23.8% | — | ||
| Q2 24 | 28.4% | — | ||
| Q1 24 | 14.1% | — |
净利率HFWAWSBK
| Q4 25 | 33.5% | 16.7% | ||
| Q3 25 | 29.2% | 16.6% | ||
| Q2 25 | 21.6% | — | ||
| Q1 25 | 24.2% | 7.0% | ||
| Q4 24 | 20.9% | 8.4% | ||
| Q3 24 | 20.8% | — | ||
| Q2 24 | 25.1% | — | ||
| Q1 24 | 11.8% | — |
每股收益（稀释后）HFWAWSBK
| Q4 25 | $0.65 | $0.12 | ||
| Q3 25 | $0.55 | $0.11 | ||
| Q2 25 | $0.36 | — | ||
| Q1 25 | $0.40 | — | ||
| Q4 24 | $0.34 | — | ||
| Q3 24 | $0.33 | — | ||
| Q2 24 | $0.41 | — | ||
| Q1 24 | $0.16 | — |
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 | $54.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $921.5M | $118.2M |
| 总资产 | $7.0B | $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HFWAWSBK
| Q4 25 | $233.1M | $54.8M | ||
| Q3 25 | $245.5M | $57.7M | ||
| Q2 25 | $254.1M | — | ||
| Q1 25 | $248.7M | $66.6M | ||
| Q4 24 | $117.1M | $41.5M | ||
| Q3 24 | $175.6M | — | ||
| Q2 24 | $113.8M | — | ||
| Q1 24 | $189.6M | — |
股东权益HFWAWSBK
| Q4 25 | $921.5M | $118.2M | ||
| Q3 25 | $904.1M | $117.0M | ||
| Q2 25 | $888.2M | — | ||
| Q1 25 | $881.5M | $80.9M | ||
| Q4 24 | $863.5M | $80.3M | ||
| Q3 24 | $874.5M | — | ||
| Q2 24 | $850.5M | — | ||
| Q1 24 | $847.6M | — |
总资产HFWAWSBK
| Q4 25 | $7.0B | $1.0B | ||
| Q3 25 | $7.0B | $1.0B | ||
| Q2 25 | $7.1B | — | ||
| Q1 25 | $7.1B | $923.1M | ||
| Q4 24 | $7.1B | $894.1M | ||
| Q3 24 | $7.2B | — | ||
| Q2 24 | $7.1B | — | ||
| Q1 24 | $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 | $94.8M | $1.6M |
| 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× | 1.44× |
| 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HFWAWSBK
| Q4 25 | $94.8M | $1.6M | ||
| Q3 25 | $25.1M | $1.4M | ||
| Q2 25 | $22.5M | — | ||
| Q1 25 | $19.3M | $848.0K | ||
| Q4 24 | $64.5M | — | ||
| Q3 24 | $24.2M | — | ||
| Q2 24 | $6.8M | — | ||
| Q1 24 | $12.9M | — |
自由现金流HFWAWSBK
| 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 | — | ||
| Q1 24 | $12.0M | — |
自由现金流率HFWAWSBK
| 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% | — | ||
| Q1 24 | 24.7% | — |
资本支出强度HFWAWSBK
| 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% | — | ||
| Q1 24 | 1.8% | — |
现金转化率HFWAWSBK
| Q4 25 | 4.26× | 1.44× | ||
| Q3 25 | 1.31× | 1.41× | ||
| Q2 25 | 1.84× | — | ||
| Q1 25 | 1.38× | 2.78× | ||
| Q4 24 | 5.41× | — | ||
| Q3 24 | 2.12× | — | ||
| Q2 24 | 0.48× | — | ||
| Q1 24 | 2.24× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
