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HomeTrust Bancshares, Inc.（HTB）与TFS Financial CORP（TFSL）财务数据对比。点击上方公司名可切换其他公司
TFS Financial CORP的季度营收约是HomeTrust Bancshares, Inc.的1.7倍（$75.7M vs $44.2M）。TFS Financial CORP同比增速更快（10.8% vs 1.7%）。TFS Financial CORP自由现金流更多（$57.1M vs $-3.2M）。过去两年HomeTrust Bancshares, Inc.的营收复合增速更高（3.6% vs 3.0%）
HomeTrust Bancshares, Inc.是总部位于美国北卡罗来纳州阿什维尔的银行控股公司，总资产达43亿美元，在北卡、南卡、佐治亚和田纳西州共设有33家网点，旗下拥有HomeTrust银行、Tryon联邦银行等七家社区银行。
TFS金融公司是一家总部位于美国的金融控股企业，主要通过旗下零售银行子公司开展业务，提供住房抵押贷款、储蓄账户及其他消费金融产品，核心客群主要分布于俄亥俄州和佛罗里达州，以个人及家庭客户为服务重心。
HTB vs TFSL — 直观对比
营收规模更大
TFSL
是对方的1.7倍
$44.2M
营收增速更快
TFSL
高出9.1%
1.7%
自由现金流更多
TFSL
多$60.2M
$-3.2M
两年增速更快
HTB
近两年复合增速
3.0%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $44.2M | $75.7M |
| 净利润 | — | $22.3M |
| 毛利率 | — | — |
| 营业利润率 | 44.9% | 37.7% |
| 净利率 | — | 29.4% |
| 营收同比 | 1.7% | 10.8% |
| 净利润同比 | — | -0.7% |
| 每股收益（稀释后） | $0.93 | $0.08 |
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HTBTFSL
| Q4 25 | $44.2M | $75.7M | ||
| Q3 25 | $45.4M | $77.3M | ||
| Q2 25 | $44.2M | $75.0M | ||
| Q1 25 | $42.9M | $72.0M | ||
| Q4 24 | $43.5M | $68.3M | ||
| Q3 24 | $42.4M | $68.7M | ||
| Q2 24 | $42.4M | $69.3M | ||
| Q1 24 | $41.2M | $71.4M |
净利润HTBTFSL
| Q4 25 | — | $22.3M | ||
| Q3 25 | $16.5M | $26.0M | ||
| Q2 25 | $17.2M | $21.5M | ||
| Q1 25 | $14.5M | $21.0M | ||
| Q4 24 | — | $22.4M | ||
| Q3 24 | $13.1M | $18.2M | ||
| Q2 24 | $12.4M | $20.0M | ||
| Q1 24 | $15.1M | $20.7M |
营业利润率HTBTFSL
| Q4 25 | 44.9% | 37.7% | ||
| Q3 25 | 46.0% | 42.0% | ||
| Q2 25 | 49.4% | 36.5% | ||
| Q1 25 | 43.0% | 36.8% | ||
| Q4 24 | 42.1% | 41.5% | ||
| Q3 24 | 39.7% | 33.5% | ||
| Q2 24 | 37.2% | 36.4% | ||
| Q1 24 | 46.1% | 36.3% |
净利率HTBTFSL
| Q4 25 | — | 29.4% | ||
| Q3 25 | 36.3% | 33.6% | ||
| Q2 25 | 38.9% | 28.7% | ||
| Q1 25 | 33.9% | 29.2% | ||
| Q4 24 | — | 32.8% | ||
| Q3 24 | 31.0% | 26.5% | ||
| Q2 24 | 29.3% | 28.8% | ||
| Q1 24 | 36.5% | 29.0% |
每股收益（稀释后）HTBTFSL
| Q4 25 | $0.93 | $0.08 | ||
| Q3 25 | $0.95 | $0.09 | ||
| Q2 25 | $1.00 | $0.08 | ||
| Q1 25 | $0.84 | $0.07 | ||
| Q4 24 | $0.83 | $0.08 | ||
| Q3 24 | $0.76 | $0.07 | ||
| Q2 24 | $0.73 | $0.07 | ||
| Q1 24 | $0.88 | $0.07 |
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 | $324.7M | $456.7M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $600.7M | $1.9B |
| 总资产 | $4.5B | $17.5B |
| 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HTBTFSL
| Q4 25 | $324.7M | $456.7M | ||
| Q3 25 | $315.8M | $429.4M | ||
| Q2 25 | $297.2M | $452.6M | ||
| Q1 25 | $299.8M | $463.6M | ||
| Q4 24 | $279.2M | $465.9M | ||
| Q3 24 | $293.5M | $463.7M | ||
| Q2 24 | $294.2M | $560.4M | ||
| Q1 24 | $380.5M | $594.3M |
股东权益HTBTFSL
| Q4 25 | $600.7M | $1.9B | ||
| Q3 25 | $595.8M | $1.9B | ||
| Q2 25 | $579.3M | $1.9B | ||
| Q1 25 | $565.4M | $1.9B | ||
| Q4 24 | $551.8M | $1.9B | ||
| Q3 24 | $540.0M | $1.9B | ||
| Q2 24 | $523.6M | $1.9B | ||
| Q1 24 | $513.2M | $1.9B |
总资产HTBTFSL
| Q4 25 | $4.5B | $17.5B | ||
| Q3 25 | $4.6B | $17.5B | ||
| Q2 25 | $4.6B | $17.4B | ||
| Q1 25 | $4.6B | $17.1B | ||
| Q4 24 | $4.6B | $17.1B | ||
| Q3 24 | $4.6B | $17.1B | ||
| Q2 24 | $4.7B | $17.0B | ||
| Q1 24 | $4.7B | $17.0B |
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 | $-2.1M | $58.7M |
| 自由现金流经营现金流 - 资本支出 | $-3.2M | $57.1M |
| 自由现金流率自由现金流/营收 | -7.1% | 75.4% |
| 资本支出强度资本支出/营收 | 2.4% | 2.2% |
| 现金转化率经营现金流/净利润 | — | 2.64× |
| 过去12个月自由现金流最近4个季度 | $45.3M | $83.1M |
8季度趋势，按日历期对齐
经营现金流HTBTFSL
| Q4 25 | $-2.1M | $58.7M | ||
| Q3 25 | $-11.3M | $-11.1M | ||
| Q2 25 | $-8.8M | $26.8M | ||
| Q1 25 | $71.7M | $21.2M | ||
| Q4 24 | $4.8M | $45.5M | ||
| Q3 24 | $43.8M | $-58.7M | ||
| Q2 24 | $5.9M | $96.7M | ||
| Q1 24 | $-9.0M | $14.2M |
自由现金流HTBTFSL
| Q4 25 | $-3.2M | $57.1M | ||
| Q3 25 | $-12.0M | $-13.2M | ||
| Q2 25 | $-10.2M | $25.0M | ||
| Q1 25 | $70.7M | $14.3M | ||
| Q4 24 | $3.2M | $44.9M | ||
| Q3 24 | $43.1M | $-59.4M | ||
| Q2 24 | $5.7M | $95.9M | ||
| Q1 24 | $-9.6M | $13.4M |
自由现金流率HTBTFSL
| Q4 25 | -7.1% | 75.4% | ||
| Q3 25 | -26.5% | -17.1% | ||
| Q2 25 | -23.0% | 33.4% | ||
| Q1 25 | 164.7% | 19.8% | ||
| Q4 24 | 7.4% | 65.7% | ||
| Q3 24 | 101.7% | -86.4% | ||
| Q2 24 | 13.4% | 138.5% | ||
| Q1 24 | -23.3% | 18.8% |
资本支出强度HTBTFSL
| Q4 25 | 2.4% | 2.2% | ||
| Q3 25 | 1.7% | 2.8% | ||
| Q2 25 | 3.0% | 2.3% | ||
| Q1 25 | 2.4% | 9.6% | ||
| Q4 24 | 3.6% | 0.9% | ||
| Q3 24 | 1.6% | 1.0% | ||
| Q2 24 | 0.6% | 1.2% | ||
| Q1 24 | 1.4% | 1.1% |
现金转化率HTBTFSL
| Q4 25 | — | 2.64× | ||
| Q3 25 | -0.68× | -0.43× | ||
| Q2 25 | -0.51× | 1.24× | ||
| Q1 25 | 4.93× | 1.01× | ||
| Q4 24 | — | 2.03× | ||
| Q3 24 | 3.34× | -3.22× | ||
| Q2 24 | 0.48× | 4.85× | ||
| Q1 24 | -0.60× | 0.69× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
