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Citizens Community Bancorp Inc.（CZWI）とPROVIDENT FINANCIAL HOLDINGS INC（PROV）の財務データ比較。上の社名をクリックして会社を切り替えられます
Citizens Community Bancorp Inc.の直近四半期売上が大きい（$15.8M vs $9.8M、PROVIDENT FINANCIAL HOLDINGS INCの約1.6倍）。Citizens Community Bancorp Inc.の純利益率が高く（27.1% vs 14.6%、差は12.5%）。Citizens Community Bancorp Inc.の前年同期比売上増加率が高い（14.9% vs 2.5%）。Citizens Community Bancorp Inc.の直近四半期フリーキャッシュフローが多い（$10.4M vs $1.0M）。過去8四半期でPROVIDENT FINANCIAL HOLDINGS INCの売上複合成長率が高い（2.3% vs 1.9%）
グレーシャー・バンコープは米国モンタナ州カリスピルに本社を置く地域複合銀行持株会社で、最初の前身企業は1990年に設立されました。モンタナ、アイダホ、ユタ、ワシントンなど米国8州に計221拠点を展開し、個人及び法人向け銀行サービスを提供しています。
Provident Financial Holdings Incは銀行持株会社で、完全子会社のProvident Savings Bankを通じて事業を運営しています。カリフォルニア州の地域住民や中小企業を対象に、各種預金口座、住宅ローン、消費者ローン、事業融資などの多様な銀行サービスを提供しています。
CZWI vs PROV — 直接比較
損益計算書 — Q4 FY2025 vs Q2 FY2026
| 指標 | | |
|---|---|---|
| 売上 | $15.8M | $9.8M |
| 純利益 | $4.3M | $1.4M |
| 粗利率 | — | — |
| 営業利益率 | 31.0% | 20.8% |
| 純利益率 | 27.1% | 14.6% |
| 売上前年比 | 14.9% | 2.5% |
| 純利益前年比 | 58.1% | 64.7% |
| EPS（希薄化後） | $0.44 | $0.22 |
緑 = その指標でリード。会計年度がずれている場合は期間が異なる場合あり
8四半期 売上・利益トレンド
並べて比較する四半期履歴。決算期がずれていても暦四半期で整列
| Q4 25 | $15.8M | $9.8M | ||
| Q3 25 | $16.2M | $9.7M | ||
| Q2 25 | $16.1M | $9.8M | ||
| Q1 25 | $14.2M | $10.1M | ||
| Q4 24 | $13.7M | $9.6M | ||
| Q3 24 | $14.2M | $9.5M | ||
| Q2 24 | $13.5M | $9.9M | ||
| Q1 24 | $15.2M | $9.4M |
| Q4 25 | $4.3M | $1.4M | ||
| Q3 25 | $3.7M | $1.7M | ||
| Q2 25 | $3.3M | $1.6M | ||
| Q1 25 | $3.2M | $1.9M | ||
| Q4 24 | $2.7M | $872.0K | ||
| Q3 24 | $3.3M | $1.9M | ||
| Q2 24 | $3.7M | $2.0M | ||
| Q1 24 | $4.1M | $1.5M |
| Q4 25 | 31.0% | 20.8% | ||
| Q3 25 | 27.9% | 28.1% | ||
| Q2 25 | 25.1% | 23.6% | ||
| Q1 25 | 28.0% | 26.2% | ||
| Q4 24 | 24.5% | 12.7% | ||
| Q3 24 | 29.5% | 28.3% | ||
| Q2 24 | 35.0% | 27.8% | ||
| Q1 24 | 34.2% | 22.5% |
| Q4 25 | 27.1% | 14.6% | ||
| Q3 25 | 22.7% | 17.3% | ||
| Q2 25 | 20.3% | 16.7% | ||
| Q1 25 | 22.5% | 18.4% | ||
| Q4 24 | 19.7% | 9.1% | ||
| Q3 24 | 23.1% | 20.0% | ||
| Q2 24 | 27.2% | 19.7% | ||
| Q1 24 | 26.9% | 15.9% |
| Q4 25 | $0.44 | $0.22 | ||
| Q3 25 | $0.37 | $0.25 | ||
| Q2 25 | $0.33 | $0.24 | ||
| Q1 25 | $0.32 | $0.28 | ||
| Q4 24 | $0.28 | $0.13 | ||
| Q3 24 | $0.32 | $0.28 | ||
| Q2 24 | $0.35 | $0.28 | ||
| Q1 24 | $0.39 | $0.22 |
貸借対照表と財務力
直近四半期の流動性・レバレッジ・純資産のスナップショット
| 指標 | | |
|---|---|---|
| 現金・短期投資手元流動性 | $118.9M | $54.4M |
| 総負債低いほど良い | $51.8M | — |
| 株主資本純資産 | $187.9M | $127.5M |
| 総資産 | $1.8B | $1.2B |
| 負債/資本比率低いほどレバレッジが低い | 0.28× | — |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $118.9M | $54.4M | ||
| Q3 25 | $82.4M | $49.4M | ||
| Q2 25 | $67.5M | $53.1M | ||
| Q1 25 | $100.2M | $50.9M | ||
| Q4 24 | $50.2M | $45.5M | ||
| Q3 24 | $36.6M | $48.2M | ||
| Q2 24 | $36.9M | $51.4M | ||
| Q1 24 | $28.6M | $51.7M |
| Q4 25 | $51.8M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $66.6M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $187.9M | $127.5M | ||
| Q3 25 | $186.8M | $128.4M | ||
| Q2 25 | $183.5M | $128.5M | ||
| Q1 25 | $180.1M | $128.9M | ||
| Q4 24 | $179.1M | $128.6M | ||
| Q3 24 | $180.1M | $129.6M | ||
| Q2 24 | $176.0M | $129.9M | ||
| Q1 24 | $172.8M | $129.5M |
| Q4 25 | $1.8B | $1.2B | ||
| Q3 25 | $1.7B | $1.2B | ||
| Q2 25 | $1.7B | $1.2B | ||
| Q1 25 | $1.8B | $1.3B | ||
| Q4 24 | $1.7B | $1.3B | ||
| Q3 24 | $1.8B | $1.3B | ||
| Q2 24 | $1.8B | $1.3B | ||
| Q1 24 | $1.8B | $1.3B |
| Q4 25 | 0.28× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.37× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
キャッシュフローと資本効率
再投資後に実際に生み出すキャッシュ。純利益より操作が難しい
| 指標 | | |
|---|---|---|
| 営業キャッシュフロー直近四半期 | $11.7M | $1.2M |
| フリーキャッシュフロー営業CF - 設備投資 | $10.4M | $1.0M |
| FCFマージンFCF / 売上 | 65.9% | 10.5% |
| 設備投資強度設備投資 / 売上 | 8.3% | 1.9% |
| キャッシュ転換率営業CF / 純利益 | 2.74× | 0.85× |
| 直近12ヶ月FCF直近4四半期 | $17.5M | $14.9M |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $11.7M | $1.2M | ||
| Q3 25 | $6.6M | $2.5M | ||
| Q2 25 | $-406.0K | $8.7M | ||
| Q1 25 | $1.6M | $3.3M | ||
| Q4 24 | $20.4M | $324.0K | ||
| Q3 24 | $3.5M | $2.6M | ||
| Q2 24 | $5.1M | $5.7M | ||
| Q1 24 | $9.1M | $3.0M |
| Q4 25 | $10.4M | $1.0M | ||
| Q3 25 | $6.2M | $2.5M | ||
| Q2 25 | $-632.0K | $8.2M | ||
| Q1 25 | $1.5M | $3.3M | ||
| Q4 24 | $19.5M | $307.0K | ||
| Q3 24 | $3.4M | $2.4M | ||
| Q2 24 | $4.8M | $4.1M | ||
| Q1 24 | $8.9M | $2.6M |
| Q4 25 | 65.9% | 10.5% | ||
| Q3 25 | 38.4% | 25.2% | ||
| Q2 25 | -3.9% | 83.5% | ||
| Q1 25 | 10.7% | 32.5% | ||
| Q4 24 | 142.2% | 3.2% | ||
| Q3 24 | 23.8% | 25.1% | ||
| Q2 24 | 35.7% | 41.3% | ||
| Q1 24 | 58.9% | 27.5% |
| Q4 25 | 8.3% | 1.9% | ||
| Q3 25 | 2.4% | 0.5% | ||
| Q2 25 | 1.4% | 5.4% | ||
| Q1 25 | 0.7% | 0.3% | ||
| Q4 24 | 6.5% | 0.2% | ||
| Q3 24 | 0.9% | 1.8% | ||
| Q2 24 | 2.3% | 16.0% | ||
| Q1 24 | 1.4% | 4.2% |
| Q4 25 | 2.74× | 0.85× | ||
| Q3 25 | 1.80× | 1.48× | ||
| Q2 25 | -0.12× | 5.34× | ||
| Q1 25 | 0.50× | 1.79× | ||
| Q4 24 | 7.55× | 0.37× | ||
| Q3 24 | 1.07× | 1.35× | ||
| Q2 24 | 1.39× | 2.91× | ||
| Q1 24 | 2.24× | 2.00× |
財務フロー比較
売上 → 粗利 → 営業利益 → 純利益のサンキー図
