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Catalyst Bancorp, Inc.（CLST）与PROVIDENT FINANCIAL SERVICES INC（PFS）财务数据对比。点击上方公司名可切换其他公司
PROVIDENT FINANCIAL SERVICES INC的季度营收约是Catalyst Bancorp, Inc.的7.3倍（$18.2M vs $2.5M）。PROVIDENT FINANCIAL SERVICES INC同比增速更快（10.4% vs 1.4%）。PROVIDENT FINANCIAL SERVICES INC自由现金流更多（$64.1M vs $794.0K）。过去两年Catalyst Bancorp, Inc.的营收复合增速更高（9.4% vs 5.8%）
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。
PNC金融服务集团是总部位于美国宾夕法尼亚州匹兹堡的银行控股及金融服务企业，旗下银行子公司PNC银行业务覆盖美国27个州和华盛顿特区，拥有2629家营业网点与9523台ATM机，是美国资产规模、网点数量、存款规模、ATM保有量均位居前列的大型银行机构。
CLST vs PFS — 直观对比
营收规模更大
PFS
是对方的7.3倍
$2.5M
营收增速更快
PFS
高出9.0%
1.4%
自由现金流更多
PFS
多$63.3M
$794.0K
两年增速更快
CLST
近两年复合增速
5.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $2.5M | $18.2M |
| 净利润 | $456.0K | — |
| 毛利率 | — | — |
| 营业利润率 | 22.0% | — |
| 净利率 | 18.2% | — |
| 营收同比 | 1.4% | 10.4% |
| 净利润同比 | -27.2% | — |
| 每股收益（稀释后） | $0.13 | $0.64 |
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CLSTPFS
| Q4 25 | $2.5M | $18.2M | ||
| Q3 25 | $2.5M | $17.7M | ||
| Q2 25 | $2.5M | $18.3M | ||
| Q1 25 | $2.4M | $18.9M | ||
| Q4 24 | $2.5M | $16.5M | ||
| Q3 24 | $2.5M | $17.9M | ||
| Q2 24 | $2.4M | $17.6M | ||
| Q1 24 | $2.1M | $16.3M |
净利润CLSTPFS
| Q4 25 | $456.0K | — | ||
| Q3 25 | $489.0K | $71.7M | ||
| Q2 25 | $521.0K | $72.0M | ||
| Q1 25 | $586.0K | $64.0M | ||
| Q4 24 | $626.0K | — | ||
| Q3 24 | $447.0K | $46.4M | ||
| Q2 24 | $527.0K | $-11.5M | ||
| Q1 24 | $-4.7M | $32.1M |
营业利润率CLSTPFS
| Q4 25 | 22.0% | — | ||
| Q3 25 | 24.4% | — | ||
| Q2 25 | 25.7% | — | ||
| Q1 25 | 30.4% | — | ||
| Q4 24 | 31.2% | — | ||
| Q3 24 | 21.9% | — | ||
| Q2 24 | 26.4% | -120.9% | ||
| Q1 24 | -284.6% | — |
净利率CLSTPFS
| Q4 25 | 18.2% | — | ||
| Q3 25 | 20.0% | 404.6% | ||
| Q2 25 | 21.1% | 393.8% | ||
| Q1 25 | 24.8% | 339.3% | ||
| Q4 24 | 25.3% | — | ||
| Q3 24 | 17.7% | 260.0% | ||
| Q2 24 | 21.5% | -65.1% | ||
| Q1 24 | -224.0% | 197.0% |
每股收益（稀释后）CLSTPFS
| Q4 25 | $0.13 | $0.64 | ||
| Q3 25 | $0.13 | $0.55 | ||
| Q2 25 | $0.14 | $0.55 | ||
| Q1 25 | $0.16 | $0.49 | ||
| Q4 24 | $0.13 | $0.37 | ||
| Q3 24 | $0.11 | $0.36 | ||
| Q2 24 | $0.13 | $-0.11 | ||
| Q1 24 | $-1.15 | $0.43 |
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 | $25.2M | $209.1M |
| 总债务越低越好 | $14.7M | — |
| 股东权益账面价值 | $81.7M | $2.8B |
| 总资产 | $282.9M | $25.0B |
| 负债/权益比越低杠杆越低 | 0.18× | — |
8季度趋势，按日历期对齐
现金及短期投资CLSTPFS
| Q4 25 | $25.2M | $209.1M | ||
| Q3 25 | $37.3M | $299.2M | ||
| Q2 25 | $40.1M | $258.0M | ||
| Q1 25 | $40.3M | $234.1M | ||
| Q4 24 | $44.3M | $205.9M | ||
| Q3 24 | $45.8M | $244.0M | ||
| Q2 24 | $75.5M | $290.5M | ||
| Q1 24 | $76.0M | $158.3M |
总债务CLSTPFS
| Q4 25 | $14.7M | — | ||
| Q3 25 | $14.7M | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $9.6M | — | ||
| Q3 24 | $29.5M | — | ||
| Q2 24 | $30.3M | — | ||
| Q1 24 | $29.4M | — |
股东权益CLSTPFS
| Q4 25 | $81.7M | $2.8B | ||
| Q3 25 | $81.6M | $2.8B | ||
| Q2 25 | $80.8M | $2.7B | ||
| Q1 25 | $80.6M | $2.7B | ||
| Q4 24 | $80.2M | $2.6B | ||
| Q3 24 | $81.7M | $2.6B | ||
| Q2 24 | $81.0M | $2.6B | ||
| Q1 24 | $81.3M | $1.7B |
总资产CLSTPFS
| Q4 25 | $282.9M | $25.0B | ||
| Q3 25 | $283.8M | $24.8B | ||
| Q2 25 | $273.8M | $24.5B | ||
| Q1 25 | $271.6M | $24.2B | ||
| Q4 24 | $276.7M | $24.1B | ||
| Q3 24 | $280.6M | $24.0B | ||
| Q2 24 | $295.3M | $24.1B | ||
| Q1 24 | $282.0M | $14.1B |
负债/权益比CLSTPFS
| Q4 25 | 0.18× | — | ||
| Q3 25 | 0.18× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.12× | — | ||
| Q3 24 | 0.36× | — | ||
| Q2 24 | 0.37× | — | ||
| Q1 24 | 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 | $797.0K | $68.9M |
| 自由现金流经营现金流 - 资本支出 | $794.0K | $64.1M |
| 自由现金流率自由现金流/营收 | 31.7% | 351.4% |
| 资本支出强度资本支出/营收 | 0.1% | 26.7% |
| 现金转化率经营现金流/净利润 | 1.75× | — |
| 过去12个月自由现金流最近4个季度 | $3.1M | $430.7M |
8季度趋势，按日历期对齐
经营现金流CLSTPFS
| Q4 25 | $797.0K | $68.9M | ||
| Q3 25 | $912.0K | $98.0M | ||
| Q2 25 | $1.2M | $186.8M | ||
| Q1 25 | $427.0K | $88.5M | ||
| Q4 24 | $636.0K | $239.3M | ||
| Q3 24 | $896.0K | $69.2M | ||
| Q2 24 | $1.4M | $76.5M | ||
| Q1 24 | $247.0K | $41.4M |
自由现金流CLSTPFS
| Q4 25 | $794.0K | $64.1M | ||
| Q3 25 | $827.0K | $96.7M | ||
| Q2 25 | $1.1M | $182.6M | ||
| Q1 25 | $361.0K | $87.4M | ||
| Q4 24 | $581.0K | $237.8M | ||
| Q3 24 | $771.0K | $67.9M | ||
| Q2 24 | $1.2M | $75.5M | ||
| Q1 24 | $223.0K | $40.9M |
自由现金流率CLSTPFS
| Q4 25 | 31.7% | 351.4% | ||
| Q3 25 | 33.8% | 545.6% | ||
| Q2 25 | 45.3% | 998.9% | ||
| Q1 25 | 15.3% | 463.0% | ||
| Q4 24 | 23.5% | 1439.9% | ||
| Q3 24 | 30.5% | 380.3% | ||
| Q2 24 | 47.7% | 428.2% | ||
| Q1 24 | 10.7% | 251.0% |
资本支出强度CLSTPFS
| Q4 25 | 0.1% | 26.7% | ||
| Q3 25 | 3.5% | 7.5% | ||
| Q2 25 | 1.4% | 23.0% | ||
| Q1 25 | 2.8% | 6.1% | ||
| Q4 24 | 2.2% | 9.1% | ||
| Q3 24 | 4.9% | 7.2% | ||
| Q2 24 | 9.2% | 5.5% | ||
| Q1 24 | 1.1% | 3.3% |
现金转化率CLSTPFS
| Q4 25 | 1.75× | — | ||
| Q3 25 | 1.87× | 1.37× | ||
| Q2 25 | 2.21× | 2.59× | ||
| Q1 25 | 0.73× | 1.38× | ||
| Q4 24 | 1.02× | — | ||
| Q3 24 | 2.00× | 1.49× | ||
| Q2 24 | 2.64× | — | ||
| Q1 24 | — | 1.29× |
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
CLST
暂无分部数据
PFS
| Wealth Management Fees | $7.6M | 42% |
| Deposit Account | $5.3M | 29% |
| Insurance Commissions And Fees | $3.9M | 21% |
| Debit Card | $1.4M | 8% |
