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HomeTrust Bancshares, Inc.（HTB）与VIRCO MFG CORPORATION（VIRC）财务数据对比。点击上方公司名可切换其他公司
HomeTrust Bancshares, Inc.的季度营收约是VIRCO MFG CORPORATION的1.1倍（$53.6M vs $47.6M），HomeTrust Bancshares, Inc.同比增速更快（3.7% vs -42.3%），HomeTrust Bancshares, Inc.自由现金流更多（$45.3M vs $24.5M），过去两年VIRCO MFG CORPORATION的营收复合增速更高（5.7% vs 3.5%）
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。
维尔科制造公司（简称Virco）是总部位于美国加利福尼亚州托伦斯的家具制造商，主打教育场景家具产品，核心产品涵盖学生课桌、活动桌、校园及办公座椅、电脑台、轻质折叠桌与布艺沙发椅等。
HTB vs VIRC — 直观对比
营收规模更大
HTB
是对方的1.1倍
$47.6M
营收增速更快
HTB
高出46.0%
-42.3%
自由现金流更多
HTB
多$20.8M
$24.5M
两年增速更快
VIRC
近两年复合增速
3.5%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $53.6M | $47.6M |
| 净利润 | — | $-1.3M |
| 毛利率 | — | 38.0% |
| 营业利润率 | 37.0% | -3.6% |
| 净利率 | — | -2.8% |
| 营收同比 | 3.7% | -42.3% |
| 净利润同比 | — | -115.8% |
| 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HTBVIRC
| Q4 25 | $53.6M | $47.6M | ||
| Q3 25 | $54.1M | $92.1M | ||
| Q2 25 | $54.4M | $33.8M | ||
| Q1 25 | $50.9M | $28.5M | ||
| Q4 24 | $51.7M | $82.6M | ||
| Q3 24 | $50.6M | $108.4M | ||
| Q2 24 | $50.6M | $46.7M | ||
| Q1 24 | $50.0M | $42.6M |
净利润HTBVIRC
| Q4 25 | — | $-1.3M | ||
| Q3 25 | $16.5M | $10.2M | ||
| Q2 25 | $17.2M | $732.0K | ||
| Q1 25 | $14.5M | $-5.7M | ||
| Q4 24 | — | $8.4M | ||
| Q3 24 | $13.1M | $16.8M | ||
| Q2 24 | $12.4M | $2.1M | ||
| Q1 24 | $15.1M | $-2.3M |
毛利率HTBVIRC
| Q4 25 | — | 38.0% | ||
| Q3 25 | — | 44.4% | ||
| Q2 25 | — | 47.5% | ||
| Q1 25 | — | 26.2% | ||
| Q4 24 | — | 44.4% | ||
| Q3 24 | — | 46.3% | ||
| Q2 24 | — | 43.5% | ||
| Q1 24 | — | 37.7% |
营业利润率HTBVIRC
| Q4 25 | 37.0% | -3.6% | ||
| Q3 25 | 38.5% | 16.7% | ||
| Q2 25 | 40.1% | -0.3% | ||
| Q1 25 | 36.2% | -28.5% | ||
| Q4 24 | 35.4% | 13.5% | ||
| Q3 24 | 33.2% | 20.2% | ||
| Q2 24 | 31.3% | 6.4% | ||
| Q1 24 | 38.0% | -6.5% |
净利率HTBVIRC
| Q4 25 | — | -2.8% | ||
| Q3 25 | 30.5% | 11.1% | ||
| Q2 25 | 31.6% | 2.2% | ||
| Q1 25 | 28.5% | -20.1% | ||
| Q4 24 | — | 10.2% | ||
| Q3 24 | 25.9% | 15.5% | ||
| Q2 24 | 24.6% | 4.6% | ||
| Q1 24 | 30.1% | -5.5% |
每股收益（稀释后）HTBVIRC
| Q4 25 | $0.93 | $-0.08 | ||
| Q3 25 | $0.95 | $0.65 | ||
| Q2 25 | $1.00 | $0.05 | ||
| Q1 25 | $0.84 | $-0.37 | ||
| Q4 24 | $0.83 | $0.52 | ||
| Q3 24 | $0.76 | $1.04 | ||
| Q2 24 | $0.73 | $0.13 | ||
| Q1 24 | $0.88 | $-0.14 |
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 | — |
| 总债务越低越好 | — | $3.9M |
| 股东权益账面价值 | $600.7M | $113.6M |
| 总资产 | $4.5B | $181.5M |
| 负债/权益比越低杠杆越低 | — | 0.03× |
8季度趋势，按日历期对齐
现金及短期投资HTBVIRC
| Q4 25 | $324.7M | — | ||
| Q3 25 | $315.8M | — | ||
| Q2 25 | $297.2M | — | ||
| Q1 25 | $299.8M | — | ||
| Q4 24 | $279.2M | — | ||
| Q3 24 | $293.5M | — | ||
| Q2 24 | $294.2M | — | ||
| Q1 24 | $380.5M | $5.3M |
总债务HTBVIRC
| Q4 25 | — | $3.9M | ||
| Q3 25 | — | $4.0M | ||
| Q2 25 | — | $4.1M | ||
| Q1 25 | — | $4.1M | ||
| Q4 24 | — | $4.2M | ||
| Q3 24 | — | $4.3M | ||
| Q2 24 | — | $7.0M | ||
| Q1 24 | — | $4.4M |
股东权益HTBVIRC
| Q4 25 | $600.7M | $113.6M | ||
| Q3 25 | $595.8M | $115.4M | ||
| Q2 25 | $579.3M | $105.6M | ||
| Q1 25 | $565.4M | $109.3M | ||
| Q4 24 | $551.8M | $115.9M | ||
| Q3 24 | $540.0M | $107.8M | ||
| Q2 24 | $523.6M | $91.6M | ||
| Q1 24 | $513.2M | $91.2M |
总资产HTBVIRC
| Q4 25 | $4.5B | $181.5M | ||
| Q3 25 | $4.6B | $198.6M | ||
| Q2 25 | $4.6B | $183.8M | ||
| Q1 25 | $4.6B | $191.9M | ||
| Q4 24 | $4.6B | $210.1M | ||
| Q3 24 | $4.6B | $216.3M | ||
| Q2 24 | $4.7B | $152.5M | ||
| Q1 24 | $4.7B | $146.4M |
负债/权益比HTBVIRC
| Q4 25 | — | 0.03× | ||
| Q3 25 | — | 0.03× | ||
| Q2 25 | — | 0.04× | ||
| Q1 25 | — | 0.04× | ||
| Q4 24 | — | 0.04× | ||
| Q3 24 | — | 0.04× | ||
| Q2 24 | — | 0.08× | ||
| Q1 24 | — | 0.05× |
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 | $49.5M | $25.8M |
| 自由现金流经营现金流 - 资本支出 | $45.3M | $24.5M |
| 自由现金流率自由现金流/营收 | 84.5% | 51.5% |
| 资本支出强度资本支出/营收 | 7.8% | 2.7% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | $93.8M | $-4.3M |
8季度趋势，按日历期对齐
经营现金流HTBVIRC
| Q4 25 | $49.5M | $25.8M | ||
| Q3 25 | $-11.3M | $3.2M | ||
| Q2 25 | $-8.8M | $-19.0M | ||
| Q1 25 | $71.7M | $-8.3M | ||
| Q4 24 | $45.4M | $33.5M | ||
| Q3 24 | $43.8M | $12.5M | ||
| Q2 24 | $5.9M | $-4.5M | ||
| Q1 24 | $-9.0M | $4.7M |
自由现金流HTBVIRC
| Q4 25 | $45.3M | $24.5M | ||
| Q3 25 | $-12.0M | $1.8M | ||
| Q2 25 | $-10.2M | $-21.5M | ||
| Q1 25 | $70.7M | $-9.2M | ||
| Q4 24 | $42.4M | $31.0M | ||
| Q3 24 | $43.1M | $10.7M | ||
| Q2 24 | $5.7M | $-5.6M | ||
| Q1 24 | $-9.6M | $4.0M |
自由现金流率HTBVIRC
| Q4 25 | 84.5% | 51.5% | ||
| Q3 25 | -22.2% | 2.0% | ||
| Q2 25 | -18.7% | -63.6% | ||
| Q1 25 | 138.7% | -32.4% | ||
| Q4 24 | 82.0% | 37.5% | ||
| Q3 24 | 85.1% | 9.8% | ||
| Q2 24 | 11.2% | -12.0% | ||
| Q1 24 | -19.2% | 9.5% |
资本支出强度HTBVIRC
| Q4 25 | 7.8% | 2.7% | ||
| Q3 25 | 1.4% | 1.5% | ||
| Q2 25 | 2.5% | 7.2% | ||
| Q1 25 | 2.0% | 3.3% | ||
| Q4 24 | 5.9% | 3.0% | ||
| Q3 24 | 1.3% | 1.7% | ||
| Q2 24 | 0.5% | 2.3% | ||
| Q1 24 | 1.1% | 1.5% |
现金转化率HTBVIRC
| Q4 25 | — | — | ||
| Q3 25 | -0.68× | 0.31× | ||
| Q2 25 | -0.51× | -26.00× | ||
| Q1 25 | 4.93× | — | ||
| Q4 24 | — | 3.98× | ||
| Q3 24 | 3.34× | 0.74× | ||
| Q2 24 | 0.48× | -2.11× | ||
| Q1 24 | -0.60× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
