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CHOICEONE FINANCIAL SERVICES INC（COFS）与牛津地产（IIPR）财务数据对比。点击上方公司名可切换其他公司
牛津地产的季度营收约是CHOICEONE FINANCIAL SERVICES INC的1.6倍（$66.7M vs $42.9M），CHOICEONE FINANCIAL SERVICES INC同比增速更快（76.4% vs -13.1%），过去两年CHOICEONE FINANCIAL SERVICES INC的营收复合增速更高（15.0% vs -6.0%）
ChoiceOne Financial Services Inc是一家美国区域金融控股公司，通过旗下银行子公司开展业务，主要为密歇根州的个人消费者、小微企业及企业客户提供储蓄账户、贷款、财富管理、保险等多元化个人及商业银行服务。
牛津地产是一家加拿大跨国企业，业务涵盖房地产投资、开发与物业管理。其投资组合包含写字楼、零售、工业、多户住宅、生命科学及酒店类资产。该公司1960年以私营企业形式创立，自2003年起成为安大略省市政雇员退休系统（OMERS）的全资子公司，总部设于多伦多，在纽约、伦敦、澳大利亚、新加坡及卢森堡均设有区域总部。
COFS vs IIPR — 直观对比
营收规模更大
IIPR
是对方的1.6倍
$42.9M
营收增速更快
COFS
高出89.5%
-13.1%
两年增速更快
COFS
近两年复合增速
-6.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $42.9M | $66.7M |
| 净利润 | — | $31.8M |
| 毛利率 | — | — |
| 营业利润率 | 39.1% | 47.8% |
| 净利率 | — | 47.8% |
| 营收同比 | 76.4% | -13.1% |
| 净利润同比 | — | -20.4% |
| 每股收益（稀释后） | $1.43 | $1.07 |
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COFSIIPR
| Q4 25 | $42.9M | $66.7M | ||
| Q3 25 | $61.8M | $64.7M | ||
| Q2 25 | $60.4M | $62.9M | ||
| Q1 25 | $44.9M | $71.7M | ||
| Q4 24 | $24.3M | $76.7M | ||
| Q3 24 | $36.6M | $76.5M | ||
| Q2 24 | $34.0M | $79.8M | ||
| Q1 24 | $32.5M | $75.5M |
净利润COFSIIPR
| Q4 25 | — | $31.8M | ||
| Q3 25 | $14.7M | $29.3M | ||
| Q2 25 | $13.5M | $26.0M | ||
| Q1 25 | $-13.9M | $31.1M | ||
| Q4 24 | — | $40.0M | ||
| Q3 24 | $7.3M | $40.2M | ||
| Q2 24 | $6.6M | $42.0M | ||
| Q1 24 | $5.6M | $39.4M |
营业利润率COFSIIPR
| Q4 25 | 39.1% | 47.8% | ||
| Q3 25 | 29.6% | 45.5% | ||
| Q2 25 | 27.6% | 45.9% | ||
| Q1 25 | -39.2% | 47.4% | ||
| Q4 24 | 36.1% | 54.7% | ||
| Q3 24 | 25.4% | 54.8% | ||
| Q2 24 | 24.0% | 53.1% | ||
| Q1 24 | 21.1% | 55.7% |
净利率COFSIIPR
| Q4 25 | — | 47.8% | ||
| Q3 25 | 23.7% | 45.3% | ||
| Q2 25 | 22.4% | 41.4% | ||
| Q1 25 | -31.0% | 43.3% | ||
| Q4 24 | — | 52.2% | ||
| Q3 24 | 20.1% | 52.6% | ||
| Q2 24 | 19.4% | 52.6% | ||
| Q1 24 | 17.3% | 52.3% |
每股收益（稀释后）COFSIIPR
| Q4 25 | $1.43 | $1.07 | ||
| Q3 25 | $0.97 | $0.97 | ||
| Q2 25 | $0.90 | $0.86 | ||
| Q1 25 | $-1.29 | $1.03 | ||
| Q4 24 | $0.79 | $1.35 | ||
| Q3 24 | $0.85 | $1.37 | ||
| Q2 24 | $0.87 | $1.44 | ||
| Q1 24 | $0.74 | $1.36 |
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 | $88.0M | $47.6M |
| 总债务越低越好 | — | $393.7M |
| 股东权益账面价值 | $465.4M | $1.8B |
| 总资产 | $4.4B | $2.4B |
| 负债/权益比越低杠杆越低 | — | 0.21× |
8季度趋势，按日历期对齐
现金及短期投资COFSIIPR
| Q4 25 | $88.0M | $47.6M | ||
| Q3 25 | $99.0M | $41.9M | ||
| Q2 25 | $156.3M | $104.9M | ||
| Q1 25 | $139.4M | $133.3M | ||
| Q4 24 | $96.8M | $151.2M | ||
| Q3 24 | $145.9M | $172.4M | ||
| Q2 24 | $101.0M | $160.9M | ||
| Q1 24 | $150.1M | $173.5M |
总债务COFSIIPR
| Q4 25 | — | $393.7M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益COFSIIPR
| Q4 25 | $465.4M | $1.8B | ||
| Q3 25 | $449.6M | $1.9B | ||
| Q2 25 | $431.8M | $1.9B | ||
| Q1 25 | $427.1M | $1.9B | ||
| Q4 24 | $260.4M | $1.9B | ||
| Q3 24 | $247.7M | $1.9B | ||
| Q2 24 | $214.5M | $1.9B | ||
| Q1 24 | $206.8M | $2.0B |
总资产COFSIIPR
| Q4 25 | $4.4B | $2.4B | ||
| Q3 25 | $4.3B | $2.3B | ||
| Q2 25 | $4.3B | $2.3B | ||
| Q1 25 | $4.3B | $2.4B | ||
| Q4 24 | $2.7B | $2.4B | ||
| Q3 24 | $2.7B | $2.4B | ||
| Q2 24 | $2.7B | $2.4B | ||
| Q1 24 | $2.7B | $2.4B |
负债/权益比COFSIIPR
| Q4 25 | — | 0.21× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $31.8M | $198.2M |
| 自由现金流经营现金流 - 资本支出 | $25.2M | — |
| 自由现金流率自由现金流/营收 | 58.7% | — |
| 资本支出强度资本支出/营收 | 15.4% | — |
| 现金转化率经营现金流/净利润 | — | 6.22× |
| 过去12个月自由现金流最近4个季度 | $38.5M | — |
8季度趋势，按日历期对齐
经营现金流COFSIIPR
| Q4 25 | $31.8M | $198.2M | ||
| Q3 25 | $15.3M | $45.6M | ||
| Q2 25 | $9.0M | $48.4M | ||
| Q1 25 | $-6.5M | $54.2M | ||
| Q4 24 | $47.1M | $258.4M | ||
| Q3 24 | $-7.4M | $64.9M | ||
| Q2 24 | $15.7M | $64.2M | ||
| Q1 24 | $15.3M | $71.6M |
自由现金流COFSIIPR
| Q4 25 | $25.2M | — | ||
| Q3 25 | $13.7M | — | ||
| Q2 25 | $6.9M | — | ||
| Q1 25 | $-7.3M | — | ||
| Q4 24 | $45.4M | — | ||
| Q3 24 | $-7.6M | — | ||
| Q2 24 | $15.3M | — | ||
| Q1 24 | $15.0M | — |
自由现金流率COFSIIPR
| Q4 25 | 58.7% | — | ||
| Q3 25 | 22.1% | — | ||
| Q2 25 | 11.4% | — | ||
| Q1 25 | -16.3% | — | ||
| Q4 24 | 186.4% | — | ||
| Q3 24 | -20.8% | — | ||
| Q2 24 | 44.8% | — | ||
| Q1 24 | 46.2% | — |
资本支出强度COFSIIPR
| Q4 25 | 15.4% | — | ||
| Q3 25 | 2.6% | — | ||
| Q2 25 | 3.4% | — | ||
| Q1 25 | 1.9% | — | ||
| Q4 24 | 7.0% | — | ||
| Q3 24 | 0.7% | — | ||
| Q2 24 | 1.4% | — | ||
| Q1 24 | 1.0% | — |
现金转化率COFSIIPR
| Q4 25 | — | 6.22× | ||
| Q3 25 | 1.04× | 1.56× | ||
| Q2 25 | 0.66× | 1.86× | ||
| Q1 25 | — | 1.75× | ||
| Q4 24 | — | 6.46× | ||
| Q3 24 | -1.00× | 1.61× | ||
| Q2 24 | 2.39× | 1.53× | ||
| Q1 24 | 2.72× | 1.82× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
