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Columbia Financial, Inc.（CLBK）与RE/MAX Holdings, Inc.（RMAX）财务数据对比。点击上方公司名可切换其他公司
RE/MAX Holdings, Inc.的季度营收约是Columbia Financial, Inc.的1.0倍（$71.1M vs $68.8M），Columbia Financial, Inc.净利率更高（22.8% vs 2.0%，领先20.8%），Columbia Financial, Inc.同比增速更快（29.7% vs -1.8%），Columbia Financial, Inc.自由现金流更多（$58.6M vs $33.5M），过去两年Columbia Financial, Inc.的营收复合增速更高（17.7% vs -4.7%）
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。
RE/MAX是全球知名的房地产特许经营机构，业务遍布全球一百多个国家和地区，旗下拥有数千家门店，总计超过十万名房产经纪人，在国际房产中介领域拥有极高的品牌知名度与市场影响力。
CLBK vs RMAX — 直观对比
营收规模更大
RMAX
是对方的1.0倍
$68.8M
营收增速更快
CLBK
高出31.5%
-1.8%
净利率更高
CLBK
高出20.8%
2.0%
自由现金流更多
CLBK
多$25.1M
$33.5M
两年增速更快
CLBK
近两年复合增速
-4.7%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $68.8M | $71.1M |
| 净利润 | $15.7M | $1.4M |
| 毛利率 | — | — |
| 营业利润率 | 28.6% | 13.1% |
| 净利率 | 22.8% | 2.0% |
| 营收同比 | 29.7% | -1.8% |
| 净利润同比 | 173.9% | -75.2% |
| 每股收益（稀释后） | $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CLBKRMAX
| Q4 25 | $68.8M | $71.1M | ||
| Q3 25 | $67.3M | $73.2M | ||
| Q2 25 | $63.9M | $72.8M | ||
| Q1 25 | $58.8M | $74.5M | ||
| Q4 24 | $46.4M | $72.5M | ||
| Q3 24 | $54.3M | $78.5M | ||
| Q2 24 | $53.3M | $78.5M | ||
| Q1 24 | $49.7M | $78.3M |
净利润CLBKRMAX
| Q4 25 | $15.7M | $1.4M | ||
| Q3 25 | $14.9M | $4.0M | ||
| Q2 25 | $12.3M | $4.7M | ||
| Q1 25 | $8.9M | $-2.0M | ||
| Q4 24 | $-21.2M | $5.8M | ||
| Q3 24 | $6.2M | $966.0K | ||
| Q2 24 | $4.5M | $3.7M | ||
| Q1 24 | $-1.2M | $-3.4M |
营业利润率CLBKRMAX
| Q4 25 | 28.6% | 13.1% | ||
| Q3 25 | 29.5% | 25.0% | ||
| Q2 25 | 25.8% | 19.3% | ||
| Q1 25 | 20.4% | 7.2% | ||
| Q4 24 | -57.6% | 5.9% | ||
| Q3 24 | 13.5% | 19.4% | ||
| Q2 24 | 9.0% | 20.6% | ||
| Q1 24 | -2.6% | 5.8% |
净利率CLBKRMAX
| Q4 25 | 22.8% | 2.0% | ||
| Q3 25 | 22.1% | 5.4% | ||
| Q2 25 | 19.3% | 6.4% | ||
| Q1 25 | 15.1% | -2.6% | ||
| Q4 24 | -45.7% | 8.0% | ||
| Q3 24 | 11.4% | 1.2% | ||
| Q2 24 | 8.5% | 4.7% | ||
| Q1 24 | -2.3% | -4.3% |
每股收益（稀释后）CLBKRMAX
| Q4 25 | $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 | $340.8M | $118.7M |
| 总债务越低越好 | $1.2B | $432.2M |
| 股东权益账面价值 | $1.2B | $452.4M |
| 总资产 | $11.0B | $582.5M |
| 负债/权益比越低杠杆越低 | 1.02× | 0.96× |
8季度趋势，按日历期对齐
现金及短期投资CLBKRMAX
| Q4 25 | $340.8M | $118.7M | ||
| Q3 25 | $253.4M | $107.5M | ||
| Q2 25 | $248.2M | $94.3M | ||
| Q1 25 | $256.1M | $89.1M | ||
| Q4 24 | $289.2M | $96.6M | ||
| Q3 24 | $283.5M | $83.8M | ||
| Q2 24 | $391.1M | $66.1M | ||
| Q1 24 | $373.5M | $82.1M |
总债务CLBKRMAX
| Q4 25 | $1.2B | $432.2M | ||
| Q3 25 | $1.3B | $433.3M | ||
| Q2 25 | $1.3B | $434.4M | ||
| Q1 25 | $1.1B | $435.3M | ||
| Q4 24 | $1.1B | $436.2M | ||
| Q3 24 | $1.4B | $437.2M | ||
| Q2 24 | $1.7B | $438.1M | ||
| Q1 24 | $1.5B | $439.0M |
股东权益CLBKRMAX
| Q4 25 | $1.2B | $452.4M | ||
| Q3 25 | $1.1B | $448.1M | ||
| Q2 25 | $1.1B | $442.4M | ||
| Q1 25 | $1.1B | $433.5M | ||
| Q4 24 | $1.1B | $429.5M | ||
| Q3 24 | $1.1B | $423.1M | ||
| Q2 24 | $1.0B | $418.4M | ||
| Q1 24 | $1.0B | $412.0M |
总资产CLBKRMAX
| Q4 25 | $11.0B | $582.5M | ||
| Q3 25 | $10.9B | $582.2M | ||
| Q2 25 | $10.7B | $574.8M | ||
| Q1 25 | $10.6B | $571.4M | ||
| Q4 24 | $10.5B | $581.6M | ||
| Q3 24 | $10.7B | $578.6M | ||
| Q2 24 | $10.8B | $571.4M | ||
| Q1 24 | $10.6B | $566.7M |
负债/权益比CLBKRMAX
| Q4 25 | 1.02× | 0.96× | ||
| Q3 25 | 1.11× | 0.97× | ||
| Q2 25 | 1.14× | 0.98× | ||
| Q1 25 | 1.01× | 1.00× | ||
| Q4 24 | 1.00× | 1.02× | ||
| Q3 24 | 1.32× | 1.03× | ||
| Q2 24 | 1.61× | 1.05× | ||
| Q1 24 | 1.47× | 1.07× |
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 | $68.4M | $40.9M |
| 自由现金流经营现金流 - 资本支出 | $58.6M | $33.5M |
| 自由现金流率自由现金流/营收 | 85.1% | 47.1% |
| 资本支出强度资本支出/营收 | 14.3% | 10.4% |
| 现金转化率经营现金流/净利润 | 4.36× | 28.39× |
| 过去12个月自由现金流最近4个季度 | $95.1M | $56.8M |
8季度趋势，按日历期对齐
经营现金流CLBKRMAX
| Q4 25 | $68.4M | $40.9M | ||
| Q3 25 | $31.0M | $17.7M | ||
| Q2 25 | $14.6M | $4.6M | ||
| Q1 25 | $-1.6M | $5.7M | ||
| Q4 24 | $33.3M | $59.7M | ||
| Q3 24 | $-28.3M | $17.6M | ||
| Q2 24 | $18.6M | $15.9M | ||
| Q1 24 | $14.1M | $9.4M |
自由现金流CLBKRMAX
| Q4 25 | $58.6M | $33.5M | ||
| Q3 25 | $28.1M | $16.4M | ||
| Q2 25 | $12.9M | $2.9M | ||
| Q1 25 | $-4.5M | $4.0M | ||
| Q4 24 | $25.9M | $53.0M | ||
| Q3 24 | $-31.1M | $16.3M | ||
| Q2 24 | $17.2M | $14.0M | ||
| Q1 24 | $12.5M | $6.8M |
自由现金流率CLBKRMAX
| Q4 25 | 85.1% | 47.1% | ||
| Q3 25 | 41.8% | 22.4% | ||
| Q2 25 | 20.2% | 4.0% | ||
| Q1 25 | -7.6% | 5.3% | ||
| Q4 24 | 55.7% | 73.2% | ||
| Q3 24 | -57.3% | 20.8% | ||
| Q2 24 | 32.3% | 17.8% | ||
| Q1 24 | 25.1% | 8.6% |
资本支出强度CLBKRMAX
| Q4 25 | 14.3% | 10.4% | ||
| Q3 25 | 4.2% | 1.8% | ||
| Q2 25 | 2.7% | 2.2% | ||
| Q1 25 | 4.9% | 2.3% | ||
| Q4 24 | 16.0% | 9.1% | ||
| Q3 24 | 5.1% | 1.7% | ||
| Q2 24 | 2.6% | 2.4% | ||
| Q1 24 | 3.4% | 3.3% |
现金转化率CLBKRMAX
| Q4 25 | 4.36× | 28.39× | ||
| Q3 25 | 2.08× | 4.45× | ||
| Q2 25 | 1.19× | 0.97× | ||
| Q1 25 | -0.18× | — | ||
| Q4 24 | — | 10.28× | ||
| Q3 24 | -4.57× | 18.22× | ||
| Q2 24 | 4.09× | 4.29× | ||
| Q1 24 | — | — |
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
CLBK
暂无分部数据
RMAX
| Franchising Segment | $50.1M | 70% |
| Broker Fees | $13.9M | 20% |
| Annual Dues | $7.4M | 10% |
