vs
Catalyst Bancorp, Inc.（CLST）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Catalyst Bancorp, Inc.的30.2倍（$75.7M vs $2.5M）。TFS Financial CORP净利率更高（29.4% vs 18.2%，领先11.2%）。TFS Financial CORP同比增速更快（10.8% vs 1.4%）。TFS Financial CORP自由现金流更多（$57.1M vs $794.0K）。过去两年Catalyst Bancorp, Inc.的营收复合增速更高（9.4% vs 3.0%）
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。
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。
CLST vs TFSL — 直观对比
营收规模更大
TFSL
是对方的30.2倍
$2.5M
营收增速更快
TFSL
高出9.3%
1.4%
净利率更高
TFSL
高出11.2%
18.2%
自由现金流更多
TFSL
多$56.3M
$794.0K
两年增速更快
CLST
近两年复合增速
3.0%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $2.5M | $75.7M |
| 净利润 | $456.0K | $22.3M |
| 毛利率 | — | — |
| 营业利润率 | 22.0% | 37.7% |
| 净利率 | 18.2% | 29.4% |
| 营收同比 | 1.4% | 10.8% |
| 净利润同比 | -27.2% | -0.7% |
| 每股收益（稀释后） | $0.13 | $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CLSTTFSL
| Q4 25 | $2.5M | $75.7M | ||
| Q3 25 | $2.5M | $77.3M | ||
| Q2 25 | $2.5M | $75.0M | ||
| Q1 25 | $2.4M | $72.0M | ||
| Q4 24 | $2.5M | $68.3M | ||
| Q3 24 | $2.5M | $68.7M | ||
| Q2 24 | $2.4M | $69.3M | ||
| Q1 24 | $2.1M | $71.4M |
净利润CLSTTFSL
| Q4 25 | $456.0K | $22.3M | ||
| Q3 25 | $489.0K | $26.0M | ||
| Q2 25 | $521.0K | $21.5M | ||
| Q1 25 | $586.0K | $21.0M | ||
| Q4 24 | $626.0K | $22.4M | ||
| Q3 24 | $447.0K | $18.2M | ||
| Q2 24 | $527.0K | $20.0M | ||
| Q1 24 | $-4.7M | $20.7M |
营业利润率CLSTTFSL
| Q4 25 | 22.0% | 37.7% | ||
| Q3 25 | 24.4% | 42.0% | ||
| Q2 25 | 25.7% | 36.5% | ||
| Q1 25 | 30.4% | 36.8% | ||
| Q4 24 | 31.2% | 41.5% | ||
| Q3 24 | 21.9% | 33.5% | ||
| Q2 24 | 26.4% | 36.4% | ||
| Q1 24 | -284.6% | 36.3% |
净利率CLSTTFSL
| Q4 25 | 18.2% | 29.4% | ||
| Q3 25 | 20.0% | 33.6% | ||
| Q2 25 | 21.1% | 28.7% | ||
| Q1 25 | 24.8% | 29.2% | ||
| Q4 24 | 25.3% | 32.8% | ||
| Q3 24 | 17.7% | 26.5% | ||
| Q2 24 | 21.5% | 28.8% | ||
| Q1 24 | -224.0% | 29.0% |
每股收益（稀释后）CLSTTFSL
| Q4 25 | $0.13 | $0.08 | ||
| Q3 25 | $0.13 | $0.09 | ||
| Q2 25 | $0.14 | $0.08 | ||
| Q1 25 | $0.16 | $0.07 | ||
| Q4 24 | $0.13 | $0.08 | ||
| Q3 24 | $0.11 | $0.07 | ||
| Q2 24 | $0.13 | $0.07 | ||
| Q1 24 | $-1.15 | $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 | $25.2M | $456.7M |
| 总债务越低越好 | $14.7M | — |
| 股东权益账面价值 | $81.7M | $1.9B |
| 总资产 | $282.9M | $17.5B |
| 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CLSTTFSL
| Q4 25 | $25.2M | $456.7M | ||
| Q3 25 | $37.3M | $429.4M | ||
| Q2 25 | $40.1M | $452.6M | ||
| Q1 25 | $40.3M | $463.6M | ||
| Q4 24 | $44.3M | $465.9M | ||
| Q3 24 | $45.8M | $463.7M | ||
| Q2 24 | $75.5M | $560.4M | ||
| Q1 24 | $76.0M | $594.3M |
总债务CLSTTFSL
| 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CLSTTFSL
| Q4 25 | $81.7M | $1.9B | ||
| Q3 25 | $81.6M | $1.9B | ||
| Q2 25 | $80.8M | $1.9B | ||
| Q1 25 | $80.6M | $1.9B | ||
| Q4 24 | $80.2M | $1.9B | ||
| Q3 24 | $81.7M | $1.9B | ||
| Q2 24 | $81.0M | $1.9B | ||
| Q1 24 | $81.3M | $1.9B |
总资产CLSTTFSL
| Q4 25 | $282.9M | $17.5B | ||
| Q3 25 | $283.8M | $17.5B | ||
| Q2 25 | $273.8M | $17.4B | ||
| Q1 25 | $271.6M | $17.1B | ||
| Q4 24 | $276.7M | $17.1B | ||
| Q3 24 | $280.6M | $17.1B | ||
| Q2 24 | $295.3M | $17.0B | ||
| Q1 24 | $282.0M | $17.0B |
负债/权益比CLSTTFSL
| 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 | $58.7M |
| 自由现金流经营现金流 - 资本支出 | $794.0K | $57.1M |
| 自由现金流率自由现金流/营收 | 31.7% | 75.4% |
| 资本支出强度资本支出/营收 | 0.1% | 2.2% |
| 现金转化率经营现金流/净利润 | 1.75× | 2.64× |
| 过去12个月自由现金流最近4个季度 | $3.1M | $83.1M |
8季度趋势，按日历期对齐
经营现金流CLSTTFSL
| Q4 25 | $797.0K | $58.7M | ||
| Q3 25 | $912.0K | $-11.1M | ||
| Q2 25 | $1.2M | $26.8M | ||
| Q1 25 | $427.0K | $21.2M | ||
| Q4 24 | $636.0K | $45.5M | ||
| Q3 24 | $896.0K | $-58.7M | ||
| Q2 24 | $1.4M | $96.7M | ||
| Q1 24 | $247.0K | $14.2M |
自由现金流CLSTTFSL
| Q4 25 | $794.0K | $57.1M | ||
| Q3 25 | $827.0K | $-13.2M | ||
| Q2 25 | $1.1M | $25.0M | ||
| Q1 25 | $361.0K | $14.3M | ||
| Q4 24 | $581.0K | $44.9M | ||
| Q3 24 | $771.0K | $-59.4M | ||
| Q2 24 | $1.2M | $95.9M | ||
| Q1 24 | $223.0K | $13.4M |
自由现金流率CLSTTFSL
| Q4 25 | 31.7% | 75.4% | ||
| Q3 25 | 33.8% | -17.1% | ||
| Q2 25 | 45.3% | 33.4% | ||
| Q1 25 | 15.3% | 19.8% | ||
| Q4 24 | 23.5% | 65.7% | ||
| Q3 24 | 30.5% | -86.4% | ||
| Q2 24 | 47.7% | 138.5% | ||
| Q1 24 | 10.7% | 18.8% |
资本支出强度CLSTTFSL
| Q4 25 | 0.1% | 2.2% | ||
| Q3 25 | 3.5% | 2.8% | ||
| Q2 25 | 1.4% | 2.3% | ||
| Q1 25 | 2.8% | 9.6% | ||
| Q4 24 | 2.2% | 0.9% | ||
| Q3 24 | 4.9% | 1.0% | ||
| Q2 24 | 9.2% | 1.2% | ||
| Q1 24 | 1.1% | 1.1% |
现金转化率CLSTTFSL
| Q4 25 | 1.75× | 2.64× | ||
| Q3 25 | 1.87× | -0.43× | ||
| Q2 25 | 2.21× | 1.24× | ||
| Q1 25 | 0.73× | 1.01× | ||
| Q4 24 | 1.02× | 2.03× | ||
| Q3 24 | 2.00× | -3.22× | ||
| Q2 24 | 2.64× | 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
