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Columbia Financial, Inc.（CLBK）与Catalyst Bancorp, Inc.（CLST）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Catalyst Bancorp, Inc.的24.0倍（$60.2M vs $2.5M）。Columbia Financial, Inc.净利率更高（26.1% vs 18.2%，领先7.9%）。Columbia Financial, Inc.同比增速更快（29.7% vs 1.4%）。Columbia Financial, Inc.自由现金流更多（$22.0M vs $794.0K）。过去两年Columbia Financial, Inc.的营收复合增速更高（19.5% vs 9.4%）
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。
Catalyst Bancorp, Inc.是一家总部位于美国的金融控股公司，旗下运营多家社区银行，面向个人消费者与中小企业客户提供储蓄账户、各类贷款、财富管理等多元金融服务，业务覆盖美国多个区域本土市场。
CLBK vs CLST — 直观对比
营收规模更大
CLBK
是对方的24.0倍
$2.5M
营收增速更快
CLBK
高出28.3%
1.4%
净利率更高
CLBK
高出7.9%
18.2%
自由现金流更多
CLBK
多$21.2M
$794.0K
两年增速更快
CLBK
近两年复合增速
9.4%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $60.2M | $2.5M |
| 净利润 | $15.7M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | 32.6% | 22.0% |
| 净利率 | 26.1% | 18.2% |
| 营收同比 | 29.7% | 1.4% |
| 净利润同比 | 173.9% | -27.2% |
| 每股收益（稀释后） | $0.15 | $0.13 |
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CLBKCLST
| Q4 25 | $60.2M | $2.5M | ||
| Q3 25 | $57.4M | $2.5M | ||
| Q2 25 | $53.7M | $2.5M | ||
| Q1 25 | $50.3M | $2.4M | ||
| Q4 24 | $46.4M | $2.5M | ||
| Q3 24 | $45.3M | $2.5M | ||
| Q2 24 | $44.1M | $2.4M | ||
| Q1 24 | $42.2M | $2.1M |
净利润CLBKCLST
| Q4 25 | $15.7M | $456.0K | ||
| Q3 25 | $14.9M | $489.0K | ||
| Q2 25 | $12.3M | $521.0K | ||
| Q1 25 | $8.9M | $586.0K | ||
| Q4 24 | $-21.2M | $626.0K | ||
| Q3 24 | $6.2M | $447.0K | ||
| Q2 24 | $4.5M | $527.0K | ||
| Q1 24 | $-1.2M | $-4.7M |
营业利润率CLBKCLST
| Q4 25 | 32.6% | 22.0% | ||
| Q3 25 | 34.5% | 24.4% | ||
| Q2 25 | 30.7% | 25.7% | ||
| Q1 25 | 23.9% | 30.4% | ||
| Q4 24 | -57.6% | 31.2% | ||
| Q3 24 | 16.2% | 21.9% | ||
| Q2 24 | 10.9% | 26.4% | ||
| Q1 24 | -3.0% | -284.6% |
净利率CLBKCLST
| Q4 25 | 26.1% | 18.2% | ||
| Q3 25 | 25.9% | 20.0% | ||
| Q2 25 | 22.9% | 21.1% | ||
| Q1 25 | 17.7% | 24.8% | ||
| Q4 24 | -45.7% | 25.3% | ||
| Q3 24 | 13.7% | 17.7% | ||
| Q2 24 | 10.3% | 21.5% | ||
| Q1 24 | -2.7% | -224.0% |
每股收益（稀释后）CLBKCLST
| Q4 25 | $0.15 | $0.13 | ||
| Q3 25 | $0.15 | $0.13 | ||
| Q2 25 | $0.12 | $0.14 | ||
| Q1 25 | $0.09 | $0.16 | ||
| Q4 24 | $-0.20 | $0.13 | ||
| Q3 24 | $0.06 | $0.11 | ||
| Q2 24 | $0.04 | $0.13 | ||
| Q1 24 | $-0.01 | $-1.15 |
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 | $340.8M | $25.2M |
| 总债务越低越好 | $1.2B | $14.7M |
| 股东权益账面价值 | $1.2B | $81.7M |
| 总资产 | $11.0B | $282.9M |
| 负债/权益比越低杠杆越低 | 1.02× | 0.18× |
8季度趋势，按日历期对齐
现金及短期投资CLBKCLST
| Q4 25 | $340.8M | $25.2M | ||
| Q3 25 | $253.4M | $37.3M | ||
| Q2 25 | $248.2M | $40.1M | ||
| Q1 25 | $256.1M | $40.3M | ||
| Q4 24 | $289.2M | $44.3M | ||
| Q3 24 | $283.5M | $45.8M | ||
| Q2 24 | $391.1M | $75.5M | ||
| Q1 24 | $373.5M | $76.0M |
总债务CLBKCLST
| Q4 25 | $1.2B | $14.7M | ||
| Q3 25 | $1.3B | $14.7M | ||
| Q2 25 | $1.3B | — | ||
| Q1 25 | $1.1B | — | ||
| Q4 24 | $1.1B | $9.6M | ||
| Q3 24 | $1.4B | $29.5M | ||
| Q2 24 | $1.7B | $30.3M | ||
| Q1 24 | $1.5B | $29.4M |
股东权益CLBKCLST
| Q4 25 | $1.2B | $81.7M | ||
| Q3 25 | $1.1B | $81.6M | ||
| Q2 25 | $1.1B | $80.8M | ||
| Q1 25 | $1.1B | $80.6M | ||
| Q4 24 | $1.1B | $80.2M | ||
| Q3 24 | $1.1B | $81.7M | ||
| Q2 24 | $1.0B | $81.0M | ||
| Q1 24 | $1.0B | $81.3M |
总资产CLBKCLST
| Q4 25 | $11.0B | $282.9M | ||
| Q3 25 | $10.9B | $283.8M | ||
| Q2 25 | $10.7B | $273.8M | ||
| Q1 25 | $10.6B | $271.6M | ||
| Q4 24 | $10.5B | $276.7M | ||
| Q3 24 | $10.7B | $280.6M | ||
| Q2 24 | $10.8B | $295.3M | ||
| Q1 24 | $10.6B | $282.0M |
负债/权益比CLBKCLST
| Q4 25 | 1.02× | 0.18× | ||
| Q3 25 | 1.11× | 0.18× | ||
| Q2 25 | 1.14× | — | ||
| Q1 25 | 1.01× | — | ||
| Q4 24 | 1.00× | 0.12× | ||
| Q3 24 | 1.32× | 0.36× | ||
| Q2 24 | 1.61× | 0.37× | ||
| Q1 24 | 1.47× | 0.36× |
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 | $24.4M | $797.0K |
| 自由现金流经营现金流 - 资本支出 | $22.0M | $794.0K |
| 自由现金流率自由现金流/营收 | 36.5% | 31.7% |
| 资本支出强度资本支出/营收 | 3.9% | 0.1% |
| 现金转化率经营现金流/净利润 | 1.55× | 1.75× |
| 过去12个月自由现金流最近4个季度 | $58.6M | $3.1M |
8季度趋势，按日历期对齐
经营现金流CLBKCLST
| Q4 25 | $24.4M | $797.0K | ||
| Q3 25 | $31.0M | $912.0K | ||
| Q2 25 | $14.6M | $1.2M | ||
| Q1 25 | $-1.6M | $427.0K | ||
| Q4 24 | $28.9M | $636.0K | ||
| Q3 24 | $-28.3M | $896.0K | ||
| Q2 24 | $18.6M | $1.4M | ||
| Q1 24 | $14.1M | $247.0K |
自由现金流CLBKCLST
| Q4 25 | $22.0M | $794.0K | ||
| Q3 25 | $28.1M | $827.0K | ||
| Q2 25 | $12.9M | $1.1M | ||
| Q1 25 | $-4.5M | $361.0K | ||
| Q4 24 | $27.3M | $581.0K | ||
| Q3 24 | $-31.1M | $771.0K | ||
| Q2 24 | $17.2M | $1.2M | ||
| Q1 24 | $12.5M | $223.0K |
自由现金流率CLBKCLST
| Q4 25 | 36.5% | 31.7% | ||
| Q3 25 | 49.0% | 33.8% | ||
| Q2 25 | 24.1% | 45.3% | ||
| Q1 25 | -8.9% | 15.3% | ||
| Q4 24 | 58.8% | 23.5% | ||
| Q3 24 | -68.6% | 30.5% | ||
| Q2 24 | 39.0% | 47.7% | ||
| Q1 24 | 29.5% | 10.7% |
资本支出强度CLBKCLST
| Q4 25 | 3.9% | 0.1% | ||
| Q3 25 | 4.9% | 3.5% | ||
| Q2 25 | 3.2% | 1.4% | ||
| Q1 25 | 5.8% | 2.8% | ||
| Q4 24 | 3.5% | 2.2% | ||
| Q3 24 | 6.1% | 4.9% | ||
| Q2 24 | 3.1% | 9.2% | ||
| Q1 24 | 4.0% | 1.1% |
现金转化率CLBKCLST
| Q4 25 | 1.55× | 1.75× | ||
| Q3 25 | 2.08× | 1.87× | ||
| Q2 25 | 1.19× | 2.21× | ||
| Q1 25 | -0.18× | 0.73× | ||
| Q4 24 | — | 1.02× | ||
| Q3 24 | -4.57× | 2.00× | ||
| Q2 24 | 4.09× | 2.64× | ||
| Q1 24 | — | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
