vs
Catalyst Bancorp, Inc.（CLST）与永明金融（TOP）财务数据对比。点击上方公司名可切换其他公司
永明金融的季度营收约是Catalyst Bancorp, Inc.的1.1倍（$2.9M vs $2.7M），Catalyst Bancorp, Inc.净利率更高（17.2% vs 6.6%，领先10.5%）
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。
永明金融是一家总部位于加拿大安大略省多伦多的金融服务公司，创立于1865年，业务遍及全球，主营人寿保险、财富管理与资产管理。截至2024年，该公司管理资产规模超过1.3万亿加元，服务覆盖加拿大、美国、亚洲及多个其他市场。
CLST vs TOP — 直观对比
营收规模更大
TOP
是对方的1.1倍
$2.7M
净利率更高
CLST
高出10.5%
6.6%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.7M | $2.9M |
| 净利润 | $456.0K | $190.5K |
| 毛利率 | — | — |
| 营业利润率 | 20.8% | — |
| 净利率 | 17.2% | 6.6% |
| 营收同比 | 1.4% | — |
| 净利润同比 | -27.2% | — |
| 每股收益（稀释后） | $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CLSTTOP
| Q4 25 | $2.7M | — | ||
| Q3 25 | $2.8M | $2.9M | ||
| Q2 25 | $2.8M | — | ||
| Q1 25 | $2.9M | — | ||
| Q4 24 | $2.5M | — | ||
| Q3 24 | $3.2M | — | ||
| Q2 24 | $2.8M | — | ||
| Q1 24 | $2.1M | — |
净利润CLSTTOP
| Q4 25 | $456.0K | — | ||
| Q3 25 | $489.0K | $190.5K | ||
| Q2 25 | $521.0K | — | ||
| Q1 25 | $586.0K | — | ||
| Q4 24 | $626.0K | — | ||
| Q3 24 | $447.0K | — | ||
| Q2 24 | $527.0K | — | ||
| Q1 24 | $-4.7M | — |
营业利润率CLSTTOP
| Q4 25 | 20.8% | — | ||
| Q3 25 | 21.7% | — | ||
| Q2 25 | 22.5% | — | ||
| Q1 25 | 24.7% | — | ||
| Q4 24 | 31.2% | — | ||
| Q3 24 | 17.6% | — | ||
| Q2 24 | 23.0% | — | ||
| Q1 24 | -284.6% | — |
净利率CLSTTOP
| Q4 25 | 17.2% | — | ||
| Q3 25 | 17.7% | 6.6% | ||
| Q2 25 | 18.5% | — | ||
| Q1 25 | 20.1% | — | ||
| Q4 24 | 25.3% | — | ||
| Q3 24 | 14.2% | — | ||
| Q2 24 | 18.7% | — | ||
| Q1 24 | -224.0% | — |
每股收益（稀释后）CLSTTOP
| Q4 25 | $0.13 | — | ||
| Q3 25 | $0.13 | — | ||
| Q2 25 | $0.14 | — | ||
| Q1 25 | $0.16 | — | ||
| Q4 24 | $0.13 | — | ||
| Q3 24 | $0.11 | — | ||
| Q2 24 | $0.13 | — | ||
| Q1 24 | $-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 | $25.2M | $14.8M |
| 总债务越低越好 | $14.7M | — |
| 股东权益账面价值 | $81.7M | $35.0M |
| 总资产 | $282.9M | $64.1M |
| 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CLSTTOP
| Q4 25 | $25.2M | — | ||
| Q3 25 | $37.3M | $14.8M | ||
| Q2 25 | $40.1M | — | ||
| Q1 25 | $40.3M | — | ||
| Q4 24 | $44.3M | — | ||
| Q3 24 | $45.8M | — | ||
| Q2 24 | $75.5M | — | ||
| Q1 24 | $76.0M | — |
总债务CLSTTOP
| 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CLSTTOP
| Q4 25 | $81.7M | — | ||
| Q3 25 | $81.6M | $35.0M | ||
| Q2 25 | $80.8M | — | ||
| Q1 25 | $80.6M | — | ||
| Q4 24 | $80.2M | — | ||
| Q3 24 | $81.7M | — | ||
| Q2 24 | $81.0M | — | ||
| Q1 24 | $81.3M | — |
总资产CLSTTOP
| Q4 25 | $282.9M | — | ||
| Q3 25 | $283.8M | $64.1M | ||
| Q2 25 | $273.8M | — | ||
| Q1 25 | $271.6M | — | ||
| Q4 24 | $276.7M | — | ||
| Q3 24 | $280.6M | — | ||
| Q2 24 | $295.3M | — | ||
| Q1 24 | $282.0M | — |
负债/权益比CLSTTOP
| 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 | $3.3M | — |
| 自由现金流经营现金流 - 资本支出 | $3.1M | — |
| 自由现金流率自由现金流/营收 | 116.8% | — |
| 资本支出强度资本支出/营收 | 7.1% | — |
| 现金转化率经营现金流/净利润 | 7.21× | — |
| 过去12个月自由现金流最近4个季度 | $5.4M | — |
8季度趋势，按日历期对齐
经营现金流CLSTTOP
| Q4 25 | $3.3M | — | ||
| Q3 25 | $912.0K | — | ||
| Q2 25 | $1.2M | — | ||
| Q1 25 | $427.0K | — | ||
| Q4 24 | $3.2M | — | ||
| Q3 24 | $896.0K | — | ||
| Q2 24 | $1.4M | — | ||
| Q1 24 | $247.0K | — |
自由现金流CLSTTOP
| Q4 25 | $3.1M | — | ||
| Q3 25 | $827.0K | — | ||
| Q2 25 | $1.1M | — | ||
| Q1 25 | $361.0K | — | ||
| Q4 24 | $2.7M | — | ||
| Q3 24 | $771.0K | — | ||
| Q2 24 | $1.2M | — | ||
| Q1 24 | $223.0K | — |
自由现金流率CLSTTOP
| Q4 25 | 116.8% | — | ||
| Q3 25 | 29.9% | — | ||
| Q2 25 | 39.7% | — | ||
| Q1 25 | 12.4% | — | ||
| Q4 24 | 110.9% | — | ||
| Q3 24 | 24.5% | — | ||
| Q2 24 | 41.5% | — | ||
| Q1 24 | 10.7% | — |
资本支出强度CLSTTOP
| Q4 25 | 7.1% | — | ||
| Q3 25 | 3.1% | — | ||
| Q2 25 | 1.2% | — | ||
| Q1 25 | 2.3% | — | ||
| Q4 24 | 17.4% | — | ||
| Q3 24 | 4.0% | — | ||
| Q2 24 | 8.0% | — | ||
| Q1 24 | 1.1% | — |
现金转化率CLSTTOP
| Q4 25 | 7.21× | — | ||
| Q3 25 | 1.87× | — | ||
| Q2 25 | 2.21× | — | ||
| Q1 25 | 0.73× | — | ||
| Q4 24 | 5.07× | — | ||
| Q3 24 | 2.00× | — | ||
| Q2 24 | 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
