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CHOICEONE FINANCIAL SERVICES INC（COFS）与PUMA BIOTECHNOLOGY, INC.（PBYI）财务数据对比。点击上方公司名可切换其他公司
PUMA BIOTECHNOLOGY, INC.的季度营收约是CHOICEONE FINANCIAL SERVICES INC的1.8倍（$75.5M vs $42.9M），CHOICEONE FINANCIAL SERVICES INC同比增速更快（76.4% vs 27.7%），CHOICEONE FINANCIAL SERVICES INC自由现金流更多（$25.2M vs $14.4M），过去两年PUMA BIOTECHNOLOGY, INC.的营收复合增速更高（31.3% vs 15.0%）
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。
彪马生物技术是一家公开上市的生物制药企业，总部位于美国加利福尼亚州洛杉矶，专注于创新药物研发相关业务，在生物制药领域开展研发与商业化运营。
COFS vs PBYI — 直观对比
营收规模更大
PBYI
是对方的1.8倍
$42.9M
营收增速更快
COFS
高出48.7%
27.7%
自由现金流更多
COFS
多$10.8M
$14.4M
两年增速更快
PBYI
近两年复合增速
15.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $42.9M | $75.5M |
| 净利润 | — | — |
| 毛利率 | — | 69.3% |
| 营业利润率 | 39.1% | 22.7% |
| 净利率 | — | — |
| 营收同比 | 76.4% | 27.7% |
| 净利润同比 | — | — |
| 每股收益（稀释后） | $1.43 | $0.26 |
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COFSPBYI
| Q4 25 | $42.9M | $75.5M | ||
| Q3 25 | $61.8M | $54.5M | ||
| Q2 25 | $60.4M | $52.4M | ||
| Q1 25 | $44.9M | $46.0M | ||
| Q4 24 | $24.3M | $59.1M | ||
| Q3 24 | $36.6M | $80.5M | ||
| Q2 24 | $34.0M | $47.1M | ||
| Q1 24 | $32.5M | $43.8M |
净利润COFSPBYI
| Q4 25 | — | — | ||
| Q3 25 | $14.7M | $8.8M | ||
| Q2 25 | $13.5M | $5.9M | ||
| Q1 25 | $-13.9M | $3.0M | ||
| Q4 24 | — | — | ||
| Q3 24 | $7.3M | $20.3M | ||
| Q2 24 | $6.6M | $-4.5M | ||
| Q1 24 | $5.6M | $-4.8M |
毛利率COFSPBYI
| Q4 25 | — | 69.3% | ||
| Q3 25 | — | 77.7% | ||
| Q2 25 | — | 76.5% | ||
| Q1 25 | — | 77.1% | ||
| Q4 24 | — | 76.4% | ||
| Q3 24 | — | 63.9% | ||
| Q2 24 | — | 77.4% | ||
| Q1 24 | — | 75.5% |
营业利润率COFSPBYI
| Q4 25 | 39.1% | 22.7% | ||
| Q3 25 | 29.6% | 17.6% | ||
| Q2 25 | 27.6% | 12.7% | ||
| Q1 25 | -39.2% | 8.7% | ||
| Q4 24 | 36.1% | 22.6% | ||
| Q3 24 | 25.4% | 27.4% | ||
| Q2 24 | 24.0% | -4.6% | ||
| Q1 24 | 21.1% | -5.3% |
净利率COFSPBYI
| Q4 25 | — | — | ||
| Q3 25 | 23.7% | 16.2% | ||
| Q2 25 | 22.4% | 11.2% | ||
| Q1 25 | -31.0% | 6.5% | ||
| Q4 24 | — | — | ||
| Q3 24 | 20.1% | 25.2% | ||
| Q2 24 | 19.4% | -9.6% | ||
| Q1 24 | 17.3% | -11.0% |
每股收益（稀释后）COFSPBYI
| Q4 25 | $1.43 | $0.26 | ||
| Q3 25 | $0.97 | $0.17 | ||
| Q2 25 | $0.90 | $0.12 | ||
| Q1 25 | $-1.29 | $0.06 | ||
| Q4 24 | $0.79 | $0.40 | ||
| Q3 24 | $0.85 | $0.41 | ||
| Q2 24 | $0.87 | $-0.09 | ||
| Q1 24 | $0.74 | $-0.10 |
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 | $97.5M |
| 总债务越低越好 | — | $22.7M |
| 股东权益账面价值 | $465.4M | $130.3M |
| 总资产 | $4.4B | $216.3M |
| 负债/权益比越低杠杆越低 | — | 0.17× |
8季度趋势，按日历期对齐
现金及短期投资COFSPBYI
| Q4 25 | $88.0M | $97.5M | ||
| Q3 25 | $99.0M | $94.4M | ||
| Q2 25 | $156.3M | $96.0M | ||
| Q1 25 | $139.4M | $93.2M | ||
| Q4 24 | $96.8M | $101.0M | ||
| Q3 24 | $145.9M | $96.7M | ||
| Q2 24 | $101.0M | $96.8M | ||
| Q1 24 | $150.1M | $107.2M |
总债务COFSPBYI
| Q4 25 | — | $22.7M | ||
| Q3 25 | — | $34.0M | ||
| Q2 25 | — | $45.3M | ||
| Q1 25 | — | $56.7M | ||
| Q4 24 | — | $68.0M | ||
| Q3 24 | — | $79.3M | ||
| Q2 24 | — | $90.7M | ||
| Q1 24 | — | $102.0M |
股东权益COFSPBYI
| Q4 25 | $465.4M | $130.3M | ||
| Q3 25 | $449.6M | $115.3M | ||
| Q2 25 | $431.8M | $104.7M | ||
| Q1 25 | $427.1M | $97.1M | ||
| Q4 24 | $260.4M | $92.1M | ||
| Q3 24 | $247.7M | $71.1M | ||
| Q2 24 | $214.5M | $48.5M | ||
| Q1 24 | $206.8M | $51.0M |
总资产COFSPBYI
| Q4 25 | $4.4B | $216.3M | ||
| Q3 25 | $4.3B | $202.9M | ||
| Q2 25 | $4.3B | $194.9M | ||
| Q1 25 | $4.3B | $196.2M | ||
| Q4 24 | $2.7B | $213.3M | ||
| Q3 24 | $2.7B | $220.7M | ||
| Q2 24 | $2.7B | $205.0M | ||
| Q1 24 | $2.7B | $214.1M |
负债/权益比COFSPBYI
| Q4 25 | — | 0.17× | ||
| Q3 25 | — | 0.30× | ||
| Q2 25 | — | 0.43× | ||
| Q1 25 | — | 0.58× | ||
| Q4 24 | — | 0.74× | ||
| Q3 24 | — | 1.12× | ||
| Q2 24 | — | 1.87× | ||
| Q1 24 | — | 2.00× |
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 | $14.4M |
| 自由现金流经营现金流 - 资本支出 | $25.2M | $14.4M |
| 自由现金流率自由现金流/营收 | 58.7% | 19.1% |
| 资本支出强度资本支出/营收 | 15.4% | 0.0% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | $38.5M | $41.7M |
8季度趋势，按日历期对齐
经营现金流COFSPBYI
| Q4 25 | $31.8M | $14.4M | ||
| Q3 25 | $15.3M | $9.7M | ||
| Q2 25 | $9.0M | $14.1M | ||
| Q1 25 | $-6.5M | $3.6M | ||
| Q4 24 | $47.1M | $15.6M | ||
| Q3 24 | $-7.4M | $11.0M | ||
| Q2 24 | $15.7M | $1.0M | ||
| Q1 24 | $15.3M | $11.2M |
自由现金流COFSPBYI
| Q4 25 | $25.2M | $14.4M | ||
| Q3 25 | $13.7M | $9.7M | ||
| Q2 25 | $6.9M | $14.1M | ||
| Q1 25 | $-7.3M | $3.6M | ||
| Q4 24 | $45.4M | $15.6M | ||
| Q3 24 | $-7.6M | $11.0M | ||
| Q2 24 | $15.3M | $1.0M | ||
| Q1 24 | $15.0M | — |
自由现金流率COFSPBYI
| Q4 25 | 58.7% | 19.1% | ||
| Q3 25 | 22.1% | 17.7% | ||
| Q2 25 | 11.4% | 26.8% | ||
| Q1 25 | -16.3% | 7.7% | ||
| Q4 24 | 186.4% | 26.4% | ||
| Q3 24 | -20.8% | 13.7% | ||
| Q2 24 | 44.8% | 2.1% | ||
| Q1 24 | 46.2% | — |
资本支出强度COFSPBYI
| Q4 25 | 15.4% | 0.0% | ||
| Q3 25 | 2.6% | 0.0% | ||
| Q2 25 | 3.4% | 0.0% | ||
| Q1 25 | 1.9% | 0.1% | ||
| Q4 24 | 7.0% | 0.0% | ||
| Q3 24 | 0.7% | 0.0% | ||
| Q2 24 | 1.4% | 0.0% | ||
| Q1 24 | 1.0% | 0.0% |
现金转化率COFSPBYI
| Q4 25 | — | — | ||
| Q3 25 | 1.04× | 1.10× | ||
| Q2 25 | 0.66× | 2.41× | ||
| Q1 25 | — | 1.21× | ||
| Q4 24 | — | — | ||
| Q3 24 | -1.00× | 0.54× | ||
| Q2 24 | 2.39× | — | ||
| Q1 24 | 2.72× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
