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Capitol Federal Financial, Inc.（CFFN）与Columbia Financial, Inc.（CLBK）财务数据对比。点击上方公司名可切换其他公司
Columbia Financial, Inc.的季度营收约是Capitol Federal Financial, Inc.的1.2倍（$60.2M vs $51.3M）。Capitol Federal Financial, Inc.净利率更高（39.6% vs 26.1%，领先13.5%）。Columbia Financial, Inc.同比增速更快（29.7% vs 21.5%）。Columbia Financial, Inc.自由现金流更多（$22.0M vs $15.8M）
国会联邦储蓄银行（CapFed）成立于1893年，是获得联邦特许并承保的储蓄银行，总部位于堪萨斯州托皮卡。该行目前共有51个网点，覆盖堪萨斯城都会区的堪萨斯州与密苏里州两侧，为个人及企业提供各类金融服务，其控股公司国会联邦金融 Inc.在纳斯达克挂牌上市。
哥伦比亚金融公司（CLBK）是一家美国多元化金融服务及银行控股企业，提供财富管理、资产管理、保险、年金、遗产规划在内的全方位金融规划产品与服务，满足客户不同阶段的财务规划需求。
CFFN vs CLBK — 直观对比
营收规模更大
CLBK
是对方的1.2倍
$51.3M
营收增速更快
CLBK
高出8.2%
21.5%
净利率更高
CFFN
高出13.5%
26.1%
自由现金流更多
CLBK
多$6.2M
$15.8M
损益表 — Q1 2026 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $51.3M | $60.2M |
| 净利润 | $20.3M | $15.7M |
| 毛利率 | — | — |
| 营业利润率 | 49.1% | 32.6% |
| 净利率 | 39.6% | 26.1% |
| 营收同比 | 21.5% | 29.7% |
| 净利润同比 | 31.6% | 173.9% |
| 每股收益（稀释后） | $0.16 | $0.15 |
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CFFNCLBK
| Q4 25 | $51.3M | $60.2M | ||
| Q3 25 | — | $57.4M | ||
| Q2 25 | — | $53.7M | ||
| Q1 25 | — | $50.3M | ||
| Q4 24 | — | $46.4M | ||
| Q3 24 | — | $45.3M | ||
| Q2 24 | — | $44.1M | ||
| Q1 24 | — | $42.2M |
净利润CFFNCLBK
| Q4 25 | $20.3M | $15.7M | ||
| Q3 25 | — | $14.9M | ||
| Q2 25 | — | $12.3M | ||
| Q1 25 | — | $8.9M | ||
| Q4 24 | — | $-21.2M | ||
| Q3 24 | — | $6.2M | ||
| Q2 24 | — | $4.5M | ||
| Q1 24 | — | $-1.2M |
营业利润率CFFNCLBK
| Q4 25 | 49.1% | 32.6% | ||
| Q3 25 | — | 34.5% | ||
| Q2 25 | — | 30.7% | ||
| Q1 25 | — | 23.9% | ||
| Q4 24 | — | -57.6% | ||
| Q3 24 | — | 16.2% | ||
| Q2 24 | — | 10.9% | ||
| Q1 24 | — | -3.0% |
净利率CFFNCLBK
| Q4 25 | 39.6% | 26.1% | ||
| Q3 25 | — | 25.9% | ||
| Q2 25 | — | 22.9% | ||
| Q1 25 | — | 17.7% | ||
| Q4 24 | — | -45.7% | ||
| Q3 24 | — | 13.7% | ||
| Q2 24 | — | 10.3% | ||
| Q1 24 | — | -2.7% |
每股收益（稀释后）CFFNCLBK
| Q4 25 | $0.16 | $0.15 | ||
| Q3 25 | — | $0.15 | ||
| Q2 25 | — | $0.12 | ||
| Q1 25 | — | $0.09 | ||
| Q4 24 | — | $-0.20 | ||
| Q3 24 | — | $0.06 | ||
| Q2 24 | — | $0.04 | ||
| Q1 24 | — | $-0.01 |
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 | $232.6M | $340.8M |
| 总债务越低越好 | — | $1.2B |
| 股东权益账面价值 | $1.0B | $1.2B |
| 总资产 | $9.8B | $11.0B |
| 负债/权益比越低杠杆越低 | — | 1.02× |
8季度趋势，按日历期对齐
现金及短期投资CFFNCLBK
| Q4 25 | $232.6M | $340.8M | ||
| Q3 25 | — | $253.4M | ||
| Q2 25 | — | $248.2M | ||
| Q1 25 | — | $256.1M | ||
| Q4 24 | — | $289.2M | ||
| Q3 24 | — | $283.5M | ||
| Q2 24 | — | $391.1M | ||
| Q1 24 | — | $373.5M |
总债务CFFNCLBK
| Q4 25 | — | $1.2B | ||
| Q3 25 | — | $1.3B | ||
| Q2 25 | — | $1.3B | ||
| Q1 25 | — | $1.1B | ||
| Q4 24 | — | $1.1B | ||
| Q3 24 | — | $1.4B | ||
| Q2 24 | — | $1.7B | ||
| Q1 24 | — | $1.5B |
股东权益CFFNCLBK
| Q4 25 | $1.0B | $1.2B | ||
| Q3 25 | — | $1.1B | ||
| Q2 25 | — | $1.1B | ||
| Q1 25 | — | $1.1B | ||
| Q4 24 | — | $1.1B | ||
| Q3 24 | — | $1.1B | ||
| Q2 24 | — | $1.0B | ||
| Q1 24 | — | $1.0B |
总资产CFFNCLBK
| Q4 25 | $9.8B | $11.0B | ||
| Q3 25 | — | $10.9B | ||
| Q2 25 | — | $10.7B | ||
| Q1 25 | — | $10.6B | ||
| Q4 24 | — | $10.5B | ||
| Q3 24 | — | $10.7B | ||
| Q2 24 | — | $10.8B | ||
| Q1 24 | — | $10.6B |
负债/权益比CFFNCLBK
| Q4 25 | — | 1.02× | ||
| Q3 25 | — | 1.11× | ||
| Q2 25 | — | 1.14× | ||
| Q1 25 | — | 1.01× | ||
| Q4 24 | — | 1.00× | ||
| Q3 24 | — | 1.32× | ||
| Q2 24 | — | 1.61× | ||
| Q1 24 | — | 1.47× |
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 | $17.4M | $24.4M |
| 自由现金流经营现金流 - 资本支出 | $15.8M | $22.0M |
| 自由现金流率自由现金流/营收 | 30.9% | 36.5% |
| 资本支出强度资本支出/营收 | 3.1% | 3.9% |
| 现金转化率经营现金流/净利润 | 0.86× | 1.55× |
| 过去12个月自由现金流最近4个季度 | — | $58.6M |
8季度趋势，按日历期对齐
经营现金流CFFNCLBK
| Q4 25 | $17.4M | $24.4M | ||
| Q3 25 | — | $31.0M | ||
| Q2 25 | — | $14.6M | ||
| Q1 25 | — | $-1.6M | ||
| Q4 24 | — | $28.9M | ||
| Q3 24 | — | $-28.3M | ||
| Q2 24 | — | $18.6M | ||
| Q1 24 | — | $14.1M |
自由现金流CFFNCLBK
| Q4 25 | $15.8M | $22.0M | ||
| Q3 25 | — | $28.1M | ||
| Q2 25 | — | $12.9M | ||
| Q1 25 | — | $-4.5M | ||
| Q4 24 | — | $27.3M | ||
| Q3 24 | — | $-31.1M | ||
| Q2 24 | — | $17.2M | ||
| Q1 24 | — | $12.5M |
自由现金流率CFFNCLBK
| Q4 25 | 30.9% | 36.5% | ||
| Q3 25 | — | 49.0% | ||
| Q2 25 | — | 24.1% | ||
| Q1 25 | — | -8.9% | ||
| Q4 24 | — | 58.8% | ||
| Q3 24 | — | -68.6% | ||
| Q2 24 | — | 39.0% | ||
| Q1 24 | — | 29.5% |
资本支出强度CFFNCLBK
| Q4 25 | 3.1% | 3.9% | ||
| Q3 25 | — | 4.9% | ||
| Q2 25 | — | 3.2% | ||
| Q1 25 | — | 5.8% | ||
| Q4 24 | — | 3.5% | ||
| Q3 24 | — | 6.1% | ||
| Q2 24 | — | 3.1% | ||
| Q1 24 | — | 4.0% |
现金转化率CFFNCLBK
| Q4 25 | 0.86× | 1.55× | ||
| Q3 25 | — | 2.08× | ||
| Q2 25 | — | 1.19× | ||
| Q1 25 | — | -0.18× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | -4.57× | ||
| Q2 24 | — | 4.09× | ||
| Q1 24 | — | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
