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HERITAGE COMMERCE CORP（HTBK）与Maison Solutions Inc.（MSS）财务数据对比。点击上方公司名可切换其他公司
HERITAGE COMMERCE CORP的季度营收约是Maison Solutions Inc.的1.9倍（$53.6M vs $27.6M），HERITAGE COMMERCE CORP净利率更高（28.2% vs -18.0%，领先46.2%），HERITAGE COMMERCE CORP同比增速更快（15.6% vs -10.9%），过去两年Maison Solutions Inc.的营收复合增速更高（42.5% vs 12.8%）
本文介绍的企业主体信息与内容描述不符，描述内容实际为美国商会，该商会成立于1912年4月23日，是美国规模最大的游说类商业协会 advocacy 团体，成立之初得益于时任总统威廉·霍华德·塔夫脱与劳工商务部长查尔斯·内格尔推动，旨在代表工商界发声。
Maison Solutions Inc.是一家专注于家居零售的企业，主要运营市场位于中国粤港澳大湾区，面向大众消费者提供高性价比的时尚家具、家居装饰用品及日常家用百货，同时布局线下实体门店与线上电商销售渠道。
HTBK vs MSS — 直观对比
营收规模更大
HTBK
是对方的1.9倍
$27.6M
营收增速更快
HTBK
高出26.6%
-10.9%
净利率更高
HTBK
高出46.2%
-18.0%
两年增速更快
MSS
近两年复合增速
12.8%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $53.6M | $27.6M |
| 净利润 | $15.1M | $-5.0M |
| 毛利率 | — | 23.4% |
| 营业利润率 | 41.0% | -4.9% |
| 净利率 | 28.2% | -18.0% |
| 营收同比 | 15.6% | -10.9% |
| 净利润同比 | 42.3% | -1840.5% |
| 每股收益（稀释后） | $0.25 | $-0.23 |
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HTBKMSS
| Q4 25 | $53.6M | $27.6M | ||
| Q3 25 | $50.0M | $27.2M | ||
| Q2 25 | $47.8M | $34.4M | ||
| Q1 25 | $46.1M | $32.3M | ||
| Q4 24 | $46.4M | $29.4M | ||
| Q3 24 | $42.2M | $28.2M | ||
| Q2 24 | $41.7M | $16.9M | ||
| Q1 24 | $42.1M | $13.6M |
净利润HTBKMSS
| Q4 25 | $15.1M | $-5.0M | ||
| Q3 25 | $14.7M | $-1.5M | ||
| Q2 25 | $6.4M | $-287.4K | ||
| Q1 25 | $11.6M | $1.0M | ||
| Q4 24 | $10.6M | $-256.0K | ||
| Q3 24 | $10.5M | $700.9K | ||
| Q2 24 | $9.2M | $-2.8M | ||
| Q1 24 | $10.2M | $-549.0K |
毛利率HTBKMSS
| Q4 25 | — | 23.4% | ||
| Q3 25 | — | 24.1% | ||
| Q2 25 | — | 9.5% | ||
| Q1 25 | — | 21.8% | ||
| Q4 24 | — | 26.9% | ||
| Q3 24 | — | 28.9% | ||
| Q2 24 | — | 13.0% | ||
| Q1 24 | — | 23.4% |
营业利润率HTBKMSS
| Q4 25 | 41.0% | -4.9% | ||
| Q3 25 | 41.1% | 0.7% | ||
| Q2 25 | 18.7% | -15.9% | ||
| Q1 25 | 35.4% | 3.7% | ||
| Q4 24 | 31.8% | 3.2% | ||
| Q3 24 | 34.3% | 7.3% | ||
| Q2 24 | 31.3% | -14.4% | ||
| Q1 24 | 34.2% | -2.3% |
净利率HTBKMSS
| Q4 25 | 28.2% | -18.0% | ||
| Q3 25 | 29.4% | -5.7% | ||
| Q2 25 | 13.4% | -0.8% | ||
| Q1 25 | 25.2% | 3.1% | ||
| Q4 24 | 22.9% | -0.9% | ||
| Q3 24 | 24.9% | 2.5% | ||
| Q2 24 | 22.1% | -16.4% | ||
| Q1 24 | 24.1% | -4.0% |
每股收益（稀释后）HTBKMSS
| Q4 25 | $0.25 | $-0.23 | ||
| Q3 25 | $0.24 | $-0.08 | ||
| Q2 25 | $0.10 | $-0.02 | ||
| Q1 25 | $0.19 | $0.06 | ||
| Q4 24 | $0.17 | $-0.01 | ||
| Q3 24 | $0.17 | $0.04 | ||
| Q2 24 | $0.15 | $-0.16 | ||
| Q1 24 | $0.17 | $-0.03 |
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 | — | — |
| 总债务越低越好 | — | $2.6M |
| 股东权益账面价值 | $708.6M | $11.6M |
| 总资产 | $5.8B | $75.4M |
| 负债/权益比越低杠杆越低 | — | 0.22× |
8季度趋势，按日历期对齐
现金及短期投资HTBKMSS
| Q4 25 | — | — | ||
| Q3 25 | — | $1.1M | ||
| Q2 25 | — | $775.4K | ||
| Q1 25 | — | $445.4K | ||
| Q4 24 | — | $355.7K | ||
| Q3 24 | — | $588.9K | ||
| Q2 24 | — | $2.1M | ||
| Q1 24 | — | $9.4M |
总债务HTBKMSS
| Q4 25 | — | $2.6M | ||
| Q3 25 | — | $2.6M | ||
| Q2 25 | — | $2.6M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $2.5M | ||
| Q2 24 | — | $2.6M | ||
| Q1 24 | — | $2.6M |
股东权益HTBKMSS
| Q4 25 | $708.6M | $11.6M | ||
| Q3 25 | $700.0M | $10.1M | ||
| Q2 25 | $694.7M | $11.7M | ||
| Q1 25 | $696.2M | $12.0M | ||
| Q4 24 | $689.7M | $10.9M | ||
| Q3 24 | $685.4M | $11.2M | ||
| Q2 24 | $679.2M | $10.5M | ||
| Q1 24 | $676.3M | $13.3M |
总资产HTBKMSS
| Q4 25 | $5.8B | $75.4M | ||
| Q3 25 | $5.6B | $73.3M | ||
| Q2 25 | $5.5B | $77.4M | ||
| Q1 25 | $5.5B | $82.7M | ||
| Q4 24 | $5.6B | $82.7M | ||
| Q3 24 | $5.6B | $82.1M | ||
| Q2 24 | $5.3B | $82.4M | ||
| Q1 24 | $5.3B | $44.2M |
负债/权益比HTBKMSS
| Q4 25 | — | 0.22× | ||
| Q3 25 | — | 0.26× | ||
| Q2 25 | — | 0.22× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.23× | ||
| Q2 24 | — | 0.24× | ||
| Q1 24 | — | 0.19× |
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 | $61.7M | $-1.7M |
| 自由现金流经营现金流 - 资本支出 | $61.3M | — |
| 自由现金流率自由现金流/营收 | 114.3% | — |
| 资本支出强度资本支出/营收 | 0.7% | — |
| 现金转化率经营现金流/净利润 | 4.08× | — |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流HTBKMSS
| Q4 25 | $61.7M | $-1.7M | ||
| Q3 25 | $18.9M | $1.1M | ||
| Q2 25 | $8.0M | $-1.6M | ||
| Q1 25 | $14.8M | $1.7M | ||
| Q4 24 | $39.0M | $1.1M | ||
| Q3 24 | $5.3M | $3.6M | ||
| Q2 24 | $10.5M | $-2.6M | ||
| Q1 24 | $7.3M | $-1.4M |
自由现金流HTBKMSS
| Q4 25 | $61.3M | — | ||
| Q3 25 | $18.8M | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $37.3M | — | ||
| Q3 24 | $4.9M | — | ||
| Q2 24 | $9.9M | — | ||
| Q1 24 | $6.9M | — |
自由现金流率HTBKMSS
| Q4 25 | 114.3% | — | ||
| Q3 25 | 37.7% | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 80.5% | — | ||
| Q3 24 | 11.6% | — | ||
| Q2 24 | 23.6% | — | ||
| Q1 24 | 16.4% | — |
资本支出强度HTBKMSS
| Q4 25 | 0.7% | — | ||
| Q3 25 | 0.1% | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 3.5% | — | ||
| Q3 24 | 1.0% | — | ||
| Q2 24 | 1.6% | — | ||
| Q1 24 | 1.0% | — |
现金转化率HTBKMSS
| Q4 25 | 4.08× | — | ||
| Q3 25 | 1.28× | — | ||
| Q2 25 | 1.25× | — | ||
| Q1 25 | 1.28× | 1.66× | ||
| Q4 24 | 3.67× | — | ||
| Q3 24 | 0.50× | 5.12× | ||
| Q2 24 | 1.14× | — | ||
| Q1 24 | 0.72× | — |
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
HTBK
暂无分部数据
MSS
| Perishables | $14.4M | 52% |
| Nonperishables | $13.2M | 48% |
