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HERITAGE COMMERCE CORP（HTBK）与合众银行（WASH）财务数据对比。点击上方公司名可切换其他公司
合众银行的季度营收约是HERITAGE COMMERCE CORP的1.1倍（$57.8M vs $53.6M），HERITAGE COMMERCE CORP净利率更高（28.2% vs 21.8%，领先6.4%），过去两年HERITAGE COMMERCE CORP的营收复合增速更高（12.8% vs 9.5%）
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。
美国合众银行是一家美国跨国金融机构，总部位于明尼苏达州明尼阿波利斯，在特拉华州注册成立。截至2025年，该银行为美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的金融机构。它主营银行、投资、抵押贷款等多元金融业务。
HTBK vs WASH — 直观对比
营收规模更大
WASH
是对方的1.1倍
$53.6M
净利率更高
HTBK
高出6.4%
21.8%
两年增速更快
HTBK
近两年复合增速
9.5%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $53.6M | $57.8M |
| 净利润 | $15.1M | $12.6M |
| 毛利率 | — | — |
| 营业利润率 | 41.0% | — |
| 净利率 | 28.2% | 21.8% |
| 营收同比 | 15.6% | — |
| 净利润同比 | 42.3% | 3.5% |
| 每股收益（稀释后） | $0.25 | $0.66 |
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HTBKWASH
| Q1 26 | — | $57.8M | ||
| Q4 25 | $53.6M | $59.3M | ||
| Q3 25 | $50.0M | $56.5M | ||
| Q2 25 | $47.8M | $54.3M | ||
| Q1 25 | $46.1M | $59.1M | ||
| Q4 24 | $46.4M | $12.4M | ||
| Q3 24 | $42.2M | $48.5M | ||
| Q2 24 | $41.7M | $48.2M |
净利润HTBKWASH
| Q1 26 | — | $12.6M | ||
| Q4 25 | $15.1M | $16.0M | ||
| Q3 25 | $14.7M | $10.8M | ||
| Q2 25 | $6.4M | $13.2M | ||
| Q1 25 | $11.6M | $12.2M | ||
| Q4 24 | $10.6M | $-60.8M | ||
| Q3 24 | $10.5M | $11.0M | ||
| Q2 24 | $9.2M | $10.8M |
营业利润率HTBKWASH
| Q1 26 | — | — | ||
| Q4 25 | 41.0% | 34.9% | ||
| Q3 25 | 41.1% | 24.7% | ||
| Q2 25 | 18.7% | 31.6% | ||
| Q1 25 | 35.4% | 26.5% | ||
| Q4 24 | 31.8% | -648.7% | ||
| Q3 24 | 34.3% | 28.5% | ||
| Q2 24 | 31.3% | 28.7% |
净利率HTBKWASH
| Q1 26 | — | 21.8% | ||
| Q4 25 | 28.2% | 27.0% | ||
| Q3 25 | 29.4% | 19.2% | ||
| Q2 25 | 13.4% | 24.4% | ||
| Q1 25 | 25.2% | 20.6% | ||
| Q4 24 | 22.9% | -491.4% | ||
| Q3 24 | 24.9% | 22.6% | ||
| Q2 24 | 22.1% | 22.4% |
每股收益（稀释后）HTBKWASH
| Q1 26 | — | $0.66 | ||
| Q4 25 | $0.25 | $0.84 | ||
| Q3 25 | $0.24 | $0.56 | ||
| Q2 25 | $0.10 | $0.68 | ||
| Q1 25 | $0.19 | $0.63 | ||
| Q4 24 | $0.17 | $-3.54 | ||
| Q3 24 | $0.17 | $0.64 | ||
| Q2 24 | $0.15 | $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 | — | $12.3M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $708.6M | $546.8M |
| 总资产 | $5.8B | $6.5B |
| 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HTBKWASH
| Q1 26 | — | $12.3M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益HTBKWASH
| Q1 26 | — | $546.8M | ||
| Q4 25 | $708.6M | $543.6M | ||
| Q3 25 | $700.0M | $533.0M | ||
| Q2 25 | $694.7M | $527.5M | ||
| Q1 25 | $696.2M | $521.7M | ||
| Q4 24 | $689.7M | $499.7M | ||
| Q3 24 | $685.4M | $502.2M | ||
| Q2 24 | $679.2M | $471.0M |
总资产HTBKWASH
| Q1 26 | — | $6.5B | ||
| Q4 25 | $5.8B | $6.6B | ||
| Q3 25 | $5.6B | $6.7B | ||
| Q2 25 | $5.5B | $6.7B | ||
| Q1 25 | $5.5B | $6.6B | ||
| Q4 24 | $5.6B | $6.9B | ||
| Q3 24 | $5.6B | $7.1B | ||
| Q2 24 | $5.3B | $7.2B |
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 | — |
| 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HTBKWASH
| Q1 26 | — | — | ||
| Q4 25 | $61.7M | $80.3M | ||
| Q3 25 | $18.9M | $39.6M | ||
| Q2 25 | $8.0M | $11.3M | ||
| Q1 25 | $14.8M | $8.4M | ||
| Q4 24 | $39.0M | $57.7M | ||
| Q3 24 | $5.3M | $25.7M | ||
| Q2 24 | $10.5M | $11.2M |
自由现金流HTBKWASH
| Q1 26 | — | — | ||
| Q4 25 | $61.3M | $78.3M | ||
| Q3 25 | $18.8M | $39.3M | ||
| Q2 25 | — | $10.9M | ||
| Q1 25 | — | $8.4M | ||
| Q4 24 | $37.3M | $53.7M | ||
| Q3 24 | $4.9M | $24.4M | ||
| Q2 24 | $9.9M | $9.6M |
自由现金流率HTBKWASH
| Q1 26 | — | — | ||
| Q4 25 | 114.3% | 132.2% | ||
| Q3 25 | 37.7% | 69.6% | ||
| Q2 25 | — | 20.2% | ||
| Q1 25 | — | 14.2% | ||
| Q4 24 | 80.5% | 433.8% | ||
| Q3 24 | 11.6% | 50.4% | ||
| Q2 24 | 23.6% | 19.8% |
资本支出强度HTBKWASH
| Q1 26 | — | — | ||
| Q4 25 | 0.7% | 3.4% | ||
| Q3 25 | 0.1% | 0.6% | ||
| Q2 25 | — | 0.7% | ||
| Q1 25 | — | 0.1% | ||
| Q4 24 | 3.5% | 32.3% | ||
| Q3 24 | 1.0% | 2.6% | ||
| Q2 24 | 1.6% | 3.4% |
现金转化率HTBKWASH
| Q1 26 | — | — | ||
| Q4 25 | 4.08× | 5.03× | ||
| Q3 25 | 1.28× | 3.65× | ||
| Q2 25 | 1.25× | 0.86× | ||
| Q1 25 | 1.28× | 0.69× | ||
| Q4 24 | 3.67× | — | ||
| Q3 24 | 0.50× | 2.34× | ||
| Q2 24 | 1.14× | 1.03× |
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
WASH
| Net Interest Income | $40.5M | 70% |
| Noninterest Income | $17.3M | 30% |
