vs
Columbia Financial, Inc.（CLBK）与TFS Financial CORP（TFSL）财务数据对比。点击上方公司名可切换其他公司
TFS Financial CORP的季度营收约是Columbia Financial, Inc.的1.3倍（$75.7M vs $60.2M）。TFS Financial CORP净利率更高（29.4% vs 26.1%，领先3.4%）。Columbia Financial, Inc.同比增速更快（29.7% vs 10.8%）。TFS Financial CORP自由现金流更多（$57.1M vs $22.0M）。过去两年Columbia Financial, Inc.的营收复合增速更高（19.5% vs 3.0%）
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。
TFS金融公司是一家总部位于美国的金融控股企业，主要通过旗下零售银行子公司开展业务，提供住房抵押贷款、储蓄账户及其他消费金融产品，核心客群主要分布于俄亥俄州和佛罗里达州，以个人及家庭客户为服务重心。
CLBK vs TFSL — 直观对比
营收规模更大
TFSL
是对方的1.3倍
$60.2M
营收增速更快
CLBK
高出18.9%
10.8%
净利率更高
TFSL
高出3.4%
26.1%
自由现金流更多
TFSL
多$35.1M
$22.0M
两年增速更快
CLBK
近两年复合增速
3.0%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $60.2M | $75.7M |
| 净利润 | $15.7M | $22.3M |
| 毛利率 | — | — |
| 营业利润率 | 32.6% | 37.7% |
| 净利率 | 26.1% | 29.4% |
| 营收同比 | 29.7% | 10.8% |
| 净利润同比 | 173.9% | -0.7% |
| 每股收益（稀释后） | $0.15 | $0.08 |
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CLBKTFSL
| Q4 25 | $60.2M | $75.7M | ||
| Q3 25 | $57.4M | $77.3M | ||
| Q2 25 | $53.7M | $75.0M | ||
| Q1 25 | $50.3M | $72.0M | ||
| Q4 24 | $46.4M | $68.3M | ||
| Q3 24 | $45.3M | $68.7M | ||
| Q2 24 | $44.1M | $69.3M | ||
| Q1 24 | $42.2M | $71.4M |
净利润CLBKTFSL
| Q4 25 | $15.7M | $22.3M | ||
| Q3 25 | $14.9M | $26.0M | ||
| Q2 25 | $12.3M | $21.5M | ||
| Q1 25 | $8.9M | $21.0M | ||
| Q4 24 | $-21.2M | $22.4M | ||
| Q3 24 | $6.2M | $18.2M | ||
| Q2 24 | $4.5M | $20.0M | ||
| Q1 24 | $-1.2M | $20.7M |
营业利润率CLBKTFSL
| Q4 25 | 32.6% | 37.7% | ||
| Q3 25 | 34.5% | 42.0% | ||
| Q2 25 | 30.7% | 36.5% | ||
| Q1 25 | 23.9% | 36.8% | ||
| Q4 24 | -57.6% | 41.5% | ||
| Q3 24 | 16.2% | 33.5% | ||
| Q2 24 | 10.9% | 36.4% | ||
| Q1 24 | -3.0% | 36.3% |
净利率CLBKTFSL
| Q4 25 | 26.1% | 29.4% | ||
| Q3 25 | 25.9% | 33.6% | ||
| Q2 25 | 22.9% | 28.7% | ||
| Q1 25 | 17.7% | 29.2% | ||
| Q4 24 | -45.7% | 32.8% | ||
| Q3 24 | 13.7% | 26.5% | ||
| Q2 24 | 10.3% | 28.8% | ||
| Q1 24 | -2.7% | 29.0% |
每股收益（稀释后）CLBKTFSL
| Q4 25 | $0.15 | $0.08 | ||
| Q3 25 | $0.15 | $0.09 | ||
| Q2 25 | $0.12 | $0.08 | ||
| Q1 25 | $0.09 | $0.07 | ||
| Q4 24 | $-0.20 | $0.08 | ||
| Q3 24 | $0.06 | $0.07 | ||
| Q2 24 | $0.04 | $0.07 | ||
| Q1 24 | $-0.01 | $0.07 |
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 | $456.7M |
| 总债务越低越好 | $1.2B | — |
| 股东权益账面价值 | $1.2B | $1.9B |
| 总资产 | $11.0B | $17.5B |
| 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CLBKTFSL
| Q4 25 | $340.8M | $456.7M | ||
| Q3 25 | $253.4M | $429.4M | ||
| Q2 25 | $248.2M | $452.6M | ||
| Q1 25 | $256.1M | $463.6M | ||
| Q4 24 | $289.2M | $465.9M | ||
| Q3 24 | $283.5M | $463.7M | ||
| Q2 24 | $391.1M | $560.4M | ||
| Q1 24 | $373.5M | $594.3M |
总债务CLBKTFSL
| 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CLBKTFSL
| Q4 25 | $1.2B | $1.9B | ||
| Q3 25 | $1.1B | $1.9B | ||
| Q2 25 | $1.1B | $1.9B | ||
| Q1 25 | $1.1B | $1.9B | ||
| Q4 24 | $1.1B | $1.9B | ||
| Q3 24 | $1.1B | $1.9B | ||
| Q2 24 | $1.0B | $1.9B | ||
| Q1 24 | $1.0B | $1.9B |
总资产CLBKTFSL
| Q4 25 | $11.0B | $17.5B | ||
| Q3 25 | $10.9B | $17.5B | ||
| Q2 25 | $10.7B | $17.4B | ||
| Q1 25 | $10.6B | $17.1B | ||
| Q4 24 | $10.5B | $17.1B | ||
| Q3 24 | $10.7B | $17.1B | ||
| Q2 24 | $10.8B | $17.0B | ||
| Q1 24 | $10.6B | $17.0B |
负债/权益比CLBKTFSL
| 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 | $24.4M | $58.7M |
| 自由现金流经营现金流 - 资本支出 | $22.0M | $57.1M |
| 自由现金流率自由现金流/营收 | 36.5% | 75.4% |
| 资本支出强度资本支出/营收 | 3.9% | 2.2% |
| 现金转化率经营现金流/净利润 | 1.55× | 2.64× |
| 过去12个月自由现金流最近4个季度 | $58.6M | $83.1M |
8季度趋势，按日历期对齐
经营现金流CLBKTFSL
| Q4 25 | $24.4M | $58.7M | ||
| Q3 25 | $31.0M | $-11.1M | ||
| Q2 25 | $14.6M | $26.8M | ||
| Q1 25 | $-1.6M | $21.2M | ||
| Q4 24 | $28.9M | $45.5M | ||
| Q3 24 | $-28.3M | $-58.7M | ||
| Q2 24 | $18.6M | $96.7M | ||
| Q1 24 | $14.1M | $14.2M |
自由现金流CLBKTFSL
| Q4 25 | $22.0M | $57.1M | ||
| Q3 25 | $28.1M | $-13.2M | ||
| Q2 25 | $12.9M | $25.0M | ||
| Q1 25 | $-4.5M | $14.3M | ||
| Q4 24 | $27.3M | $44.9M | ||
| Q3 24 | $-31.1M | $-59.4M | ||
| Q2 24 | $17.2M | $95.9M | ||
| Q1 24 | $12.5M | $13.4M |
自由现金流率CLBKTFSL
| Q4 25 | 36.5% | 75.4% | ||
| Q3 25 | 49.0% | -17.1% | ||
| Q2 25 | 24.1% | 33.4% | ||
| Q1 25 | -8.9% | 19.8% | ||
| Q4 24 | 58.8% | 65.7% | ||
| Q3 24 | -68.6% | -86.4% | ||
| Q2 24 | 39.0% | 138.5% | ||
| Q1 24 | 29.5% | 18.8% |
资本支出强度CLBKTFSL
| Q4 25 | 3.9% | 2.2% | ||
| Q3 25 | 4.9% | 2.8% | ||
| Q2 25 | 3.2% | 2.3% | ||
| Q1 25 | 5.8% | 9.6% | ||
| Q4 24 | 3.5% | 0.9% | ||
| Q3 24 | 6.1% | 1.0% | ||
| Q2 24 | 3.1% | 1.2% | ||
| Q1 24 | 4.0% | 1.1% |
现金转化率CLBKTFSL
| Q4 25 | 1.55× | 2.64× | ||
| Q3 25 | 2.08× | -0.43× | ||
| Q2 25 | 1.19× | 1.24× | ||
| Q1 25 | -0.18× | 1.01× | ||
| Q4 24 | — | 2.03× | ||
| Q3 24 | -4.57× | -3.22× | ||
| Q2 24 | 4.09× | 4.85× | ||
| Q1 24 | — | 0.69× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
