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Northfield Bancorp, Inc.（NFBK）与Ponce Financial Group, Inc.（PDLB）财务数据对比。点击上方公司名可切换其他公司
Northfield Bancorp, Inc.的季度营收约是Ponce Financial Group, Inc.的1.3倍（$41.3M vs $31.4M），Ponce Financial Group, Inc.净利率更高（36.3% vs -1545.5%，领先1581.8%），Ponce Financial Group, Inc.同比增速更快（37.6% vs 12.7%），Ponce Financial Group, Inc.自由现金流更多（$54.6M vs $52.5M），过去两年Ponce Financial Group, Inc.的营收复合增速更高（23.7% vs 15.0%）
诺斯菲尔德银行控股公司是总部位于美国的区域性银行机构，主要服务美国东北部市场，面向个人消费者、中小企业及本地社区客户提供储蓄存款、住房贷款、商业信贷、财富管理等多元银行服务。
庞塞金融集团是总部位于美国的金融控股公司，核心子公司为庞塞银行，主要服务纽约大都会区的多元文化、移民及中低收入社区，提供存款账户、按揭贷款、小微企业融资、个人信贷等零售及商业银行服务。
NFBK vs PDLB — 直观对比
营收规模更大
NFBK
是对方的1.3倍
$31.4M
营收增速更快
PDLB
高出24.9%
12.7%
净利率更高
PDLB
高出1581.8%
-1545.5%
自由现金流更多
PDLB
多$2.1M
$52.5M
两年增速更快
PDLB
近两年复合增速
15.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $41.3M | $31.4M |
| 净利润 | $-27.4M | $10.1M |
| 毛利率 | — | — |
| 营业利润率 | -1263.3% | 43.6% |
| 净利率 | -1545.5% | 36.3% |
| 营收同比 | 12.7% | 37.6% |
| 净利润同比 | -343.6% | 245.6% |
| 每股收益（稀释后） | $-0.68 | $0.43 |
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NFBKPDLB
| Q4 25 | $41.3M | $31.4M | ||
| Q3 25 | $39.2M | $26.7M | ||
| Q2 25 | $38.9M | $26.5M | ||
| Q1 25 | $34.8M | $24.6M | ||
| Q4 24 | $36.7M | $22.8M | ||
| Q3 24 | $31.8M | $20.2M | ||
| Q2 24 | $31.5M | $20.2M | ||
| Q1 24 | $31.3M | $20.5M |
净利润NFBKPDLB
| Q4 25 | $-27.4M | $10.1M | ||
| Q3 25 | $10.8M | $6.5M | ||
| Q2 25 | $9.6M | $6.1M | ||
| Q1 25 | $7.9M | $6.0M | ||
| Q4 24 | $11.3M | $2.9M | ||
| Q3 24 | $6.5M | $2.4M | ||
| Q2 24 | $6.0M | $3.2M | ||
| Q1 24 | $6.2M | $2.4M |
营业利润率NFBKPDLB
| Q4 25 | -1263.3% | 43.6% | ||
| Q3 25 | 37.7% | 32.8% | ||
| Q2 25 | 35.6% | 30.2% | ||
| Q1 25 | 31.0% | 32.5% | ||
| Q4 24 | 38.0% | 19.6% | ||
| Q3 24 | 27.9% | 15.2% | ||
| Q2 24 | 29.1% | 21.8% | ||
| Q1 24 | 27.2% | 18.3% |
净利率NFBKPDLB
| Q4 25 | -1545.5% | 36.3% | ||
| Q3 25 | 27.4% | 24.3% | ||
| Q2 25 | 24.6% | 23.0% | ||
| Q1 25 | 22.6% | 24.2% | ||
| Q4 24 | 30.7% | 14.1% | ||
| Q3 24 | 20.5% | 12.1% | ||
| Q2 24 | 18.9% | 15.8% | ||
| Q1 24 | 19.9% | 11.8% |
每股收益（稀释后）NFBKPDLB
| Q4 25 | $-0.68 | $0.43 | ||
| Q3 25 | $0.27 | $0.27 | ||
| Q2 25 | $0.24 | $0.25 | ||
| Q1 25 | $0.19 | $0.25 | ||
| Q4 24 | $0.27 | $0.11 | ||
| Q3 24 | $0.16 | $0.10 | ||
| Q2 24 | $0.14 | $0.14 | ||
| Q1 24 | $0.15 | $0.11 |
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 | $164.0M | $126.2M |
| 总债务越低越好 | — | $596.1M |
| 股东权益账面价值 | $690.1M | $541.5M |
| 总资产 | $5.8B | $3.2B |
| 负债/权益比越低杠杆越低 | — | 1.10× |
8季度趋势，按日历期对齐
现金及短期投资NFBKPDLB
| Q4 25 | $164.0M | $126.2M | ||
| Q3 25 | $131.7M | $146.6M | ||
| Q2 25 | $97.6M | $126.6M | ||
| Q1 25 | $101.7M | $129.9M | ||
| Q4 24 | $167.7M | $139.8M | ||
| Q3 24 | $232.9M | $155.8M | ||
| Q2 24 | $153.5M | $103.2M | ||
| Q1 24 | $238.8M | $134.7M |
总债务NFBKPDLB
| Q4 25 | — | $596.1M | ||
| Q3 25 | — | $521.1M | ||
| Q2 25 | — | $536.1M | ||
| Q1 25 | — | $521.1M | ||
| Q4 24 | $666.4M | $596.1M | ||
| Q3 24 | — | $580.4M | ||
| Q2 24 | — | $680.4M | ||
| Q1 24 | — | $680.4M |
股东权益NFBKPDLB
| Q4 25 | $690.1M | $541.5M | ||
| Q3 25 | $719.6M | $529.8M | ||
| Q2 25 | $710.3M | $521.1M | ||
| Q1 25 | $711.1M | $513.9M | ||
| Q4 24 | $704.7M | $505.5M | ||
| Q3 24 | $699.6M | $504.6M | ||
| Q2 24 | $693.0M | $497.7M | ||
| Q1 24 | $698.4M | $493.7M |
总资产NFBKPDLB
| Q4 25 | $5.8B | $3.2B | ||
| Q3 25 | $5.7B | $3.2B | ||
| Q2 25 | $5.7B | $3.2B | ||
| Q1 25 | $5.7B | $3.1B | ||
| Q4 24 | $5.7B | $3.0B | ||
| Q3 24 | $5.7B | $3.0B | ||
| Q2 24 | $5.7B | $2.8B | ||
| Q1 24 | $5.9B | $2.8B |
负债/权益比NFBKPDLB
| Q4 25 | — | 1.10× | ||
| Q3 25 | — | 0.98× | ||
| Q2 25 | — | 1.03× | ||
| Q1 25 | — | 1.01× | ||
| Q4 24 | 0.95× | 1.18× | ||
| Q3 24 | — | 1.15× | ||
| Q2 24 | — | 1.37× | ||
| Q1 24 | — | 1.38× |
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 | $53.7M | $55.6M |
| 自由现金流经营现金流 - 资本支出 | $52.5M | $54.6M |
| 自由现金流率自由现金流/营收 | 127.1% | 173.9% |
| 资本支出强度资本支出/营收 | 2.8% | 3.1% |
| 现金转化率经营现金流/净利润 | — | 5.48× |
| 过去12个月自由现金流最近4个季度 | $89.2M | $74.3M |
8季度趋势，按日历期对齐
经营现金流NFBKPDLB
| Q4 25 | $53.7M | $55.6M | ||
| Q3 25 | $13.9M | $1.4M | ||
| Q2 25 | $14.1M | $6.2M | ||
| Q1 25 | $9.4M | $13.1M | ||
| Q4 24 | $31.1M | $7.2M | ||
| Q3 24 | $14.0M | $-14.6M | ||
| Q2 24 | $6.9M | $-2.6M | ||
| Q1 24 | $4.2M | $1.5M |
自由现金流NFBKPDLB
| Q4 25 | $52.5M | $54.6M | ||
| Q3 25 | $13.6M | $786.0K | ||
| Q2 25 | $13.9M | $5.9M | ||
| Q1 25 | $9.2M | $12.9M | ||
| Q4 24 | $30.0M | $4.5M | ||
| Q3 24 | $13.7M | $-15.0M | ||
| Q2 24 | $6.7M | $-2.6M | ||
| Q1 24 | $3.8M | $-315.0K |
自由现金流率NFBKPDLB
| Q4 25 | 127.1% | 173.9% | ||
| Q3 25 | 34.6% | 2.9% | ||
| Q2 25 | 35.7% | 22.4% | ||
| Q1 25 | 26.3% | 52.6% | ||
| Q4 24 | 81.6% | 19.7% | ||
| Q3 24 | 43.2% | -74.1% | ||
| Q2 24 | 21.1% | -13.0% | ||
| Q1 24 | 12.1% | -1.5% |
资本支出强度NFBKPDLB
| Q4 25 | 2.8% | 3.1% | ||
| Q3 25 | 0.8% | 2.3% | ||
| Q2 25 | 0.6% | 1.0% | ||
| Q1 25 | 0.7% | 0.6% | ||
| Q4 24 | 3.1% | 11.9% | ||
| Q3 24 | 0.7% | 2.0% | ||
| Q2 24 | 0.8% | 0.3% | ||
| Q1 24 | 1.4% | 8.7% |
现金转化率NFBKPDLB
| Q4 25 | — | 5.48× | ||
| Q3 25 | 1.29× | 0.21× | ||
| Q2 25 | 1.48× | 1.01× | ||
| Q1 25 | 1.20× | 2.20× | ||
| Q4 24 | 2.76× | 2.46× | ||
| Q3 24 | 2.14× | -5.99× | ||
| Q2 24 | 1.16× | -0.80× | ||
| Q1 24 | 0.68× | 0.61× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
