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CHOICEONE FINANCIAL SERVICES INC（COFS）与RE/MAX Holdings, Inc.（RMAX）财务数据对比。点击上方公司名可切换其他公司
RE/MAX Holdings, Inc.的季度营收约是CHOICEONE FINANCIAL SERVICES INC的1.7倍（$71.1M vs $42.9M），CHOICEONE FINANCIAL SERVICES INC同比增速更快（76.4% vs -1.8%），RE/MAX Holdings, Inc.自由现金流更多（$33.5M vs $25.2M），过去两年CHOICEONE FINANCIAL SERVICES INC的营收复合增速更高（15.0% vs -4.7%）
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。
RE/MAX是全球知名的房地产特许经营机构，业务遍布全球一百多个国家和地区，旗下拥有数千家门店，总计超过十万名房产经纪人，在国际房产中介领域拥有极高的品牌知名度与市场影响力。
COFS vs RMAX — 直观对比
营收规模更大
RMAX
是对方的1.7倍
$42.9M
营收增速更快
COFS
高出78.2%
-1.8%
自由现金流更多
RMAX
多$8.3M
$25.2M
两年增速更快
COFS
近两年复合增速
-4.7%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $42.9M | $71.1M |
| 净利润 | — | $1.4M |
| 毛利率 | — | — |
| 营业利润率 | 39.1% | 13.1% |
| 净利率 | — | 2.0% |
| 营收同比 | 76.4% | -1.8% |
| 净利润同比 | — | -75.2% |
| 每股收益（稀释后） | $1.43 | — |
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COFSRMAX
| Q4 25 | $42.9M | $71.1M | ||
| Q3 25 | $61.8M | $73.2M | ||
| Q2 25 | $60.4M | $72.8M | ||
| Q1 25 | $44.9M | $74.5M | ||
| Q4 24 | $24.3M | $72.5M | ||
| Q3 24 | $36.6M | $78.5M | ||
| Q2 24 | $34.0M | $78.5M | ||
| Q1 24 | $32.5M | $78.3M |
净利润COFSRMAX
| Q4 25 | — | $1.4M | ||
| Q3 25 | $14.7M | $4.0M | ||
| Q2 25 | $13.5M | $4.7M | ||
| Q1 25 | $-13.9M | $-2.0M | ||
| Q4 24 | — | $5.8M | ||
| Q3 24 | $7.3M | $966.0K | ||
| Q2 24 | $6.6M | $3.7M | ||
| Q1 24 | $5.6M | $-3.4M |
营业利润率COFSRMAX
| Q4 25 | 39.1% | 13.1% | ||
| Q3 25 | 29.6% | 25.0% | ||
| Q2 25 | 27.6% | 19.3% | ||
| Q1 25 | -39.2% | 7.2% | ||
| Q4 24 | 36.1% | 5.9% | ||
| Q3 24 | 25.4% | 19.4% | ||
| Q2 24 | 24.0% | 20.6% | ||
| Q1 24 | 21.1% | 5.8% |
净利率COFSRMAX
| Q4 25 | — | 2.0% | ||
| Q3 25 | 23.7% | 5.4% | ||
| Q2 25 | 22.4% | 6.4% | ||
| Q1 25 | -31.0% | -2.6% | ||
| Q4 24 | — | 8.0% | ||
| Q3 24 | 20.1% | 1.2% | ||
| Q2 24 | 19.4% | 4.7% | ||
| Q1 24 | 17.3% | -4.3% |
每股收益（稀释后）COFSRMAX
| Q4 25 | $1.43 | — | ||
| Q3 25 | $0.97 | — | ||
| Q2 25 | $0.90 | — | ||
| Q1 25 | $-1.29 | — | ||
| Q4 24 | $0.79 | — | ||
| Q3 24 | $0.85 | — | ||
| Q2 24 | $0.87 | — | ||
| Q1 24 | $0.74 | — |
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 | $118.7M |
| 总债务越低越好 | — | $432.2M |
| 股东权益账面价值 | $465.4M | $452.4M |
| 总资产 | $4.4B | $582.5M |
| 负债/权益比越低杠杆越低 | — | 0.96× |
8季度趋势，按日历期对齐
现金及短期投资COFSRMAX
| Q4 25 | $88.0M | $118.7M | ||
| Q3 25 | $99.0M | $107.5M | ||
| Q2 25 | $156.3M | $94.3M | ||
| Q1 25 | $139.4M | $89.1M | ||
| Q4 24 | $96.8M | $96.6M | ||
| Q3 24 | $145.9M | $83.8M | ||
| Q2 24 | $101.0M | $66.1M | ||
| Q1 24 | $150.1M | $82.1M |
总债务COFSRMAX
| Q4 25 | — | $432.2M | ||
| Q3 25 | — | $433.3M | ||
| Q2 25 | — | $434.4M | ||
| Q1 25 | — | $435.3M | ||
| Q4 24 | — | $436.2M | ||
| Q3 24 | — | $437.2M | ||
| Q2 24 | — | $438.1M | ||
| Q1 24 | — | $439.0M |
股东权益COFSRMAX
| Q4 25 | $465.4M | $452.4M | ||
| Q3 25 | $449.6M | $448.1M | ||
| Q2 25 | $431.8M | $442.4M | ||
| Q1 25 | $427.1M | $433.5M | ||
| Q4 24 | $260.4M | $429.5M | ||
| Q3 24 | $247.7M | $423.1M | ||
| Q2 24 | $214.5M | $418.4M | ||
| Q1 24 | $206.8M | $412.0M |
总资产COFSRMAX
| Q4 25 | $4.4B | $582.5M | ||
| Q3 25 | $4.3B | $582.2M | ||
| Q2 25 | $4.3B | $574.8M | ||
| Q1 25 | $4.3B | $571.4M | ||
| Q4 24 | $2.7B | $581.6M | ||
| Q3 24 | $2.7B | $578.6M | ||
| Q2 24 | $2.7B | $571.4M | ||
| Q1 24 | $2.7B | $566.7M |
负债/权益比COFSRMAX
| Q4 25 | — | 0.96× | ||
| Q3 25 | — | 0.97× | ||
| Q2 25 | — | 0.98× | ||
| Q1 25 | — | 1.00× | ||
| Q4 24 | — | 1.02× | ||
| Q3 24 | — | 1.03× | ||
| Q2 24 | — | 1.05× | ||
| Q1 24 | — | 1.07× |
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 | $40.9M |
| 自由现金流经营现金流 - 资本支出 | $25.2M | $33.5M |
| 自由现金流率自由现金流/营收 | 58.7% | 47.1% |
| 资本支出强度资本支出/营收 | 15.4% | 10.4% |
| 现金转化率经营现金流/净利润 | — | 28.39× |
| 过去12个月自由现金流最近4个季度 | $38.5M | $56.8M |
8季度趋势，按日历期对齐
经营现金流COFSRMAX
| Q4 25 | $31.8M | $40.9M | ||
| Q3 25 | $15.3M | $17.7M | ||
| Q2 25 | $9.0M | $4.6M | ||
| Q1 25 | $-6.5M | $5.7M | ||
| Q4 24 | $47.1M | $59.7M | ||
| Q3 24 | $-7.4M | $17.6M | ||
| Q2 24 | $15.7M | $15.9M | ||
| Q1 24 | $15.3M | $9.4M |
自由现金流COFSRMAX
| Q4 25 | $25.2M | $33.5M | ||
| Q3 25 | $13.7M | $16.4M | ||
| Q2 25 | $6.9M | $2.9M | ||
| Q1 25 | $-7.3M | $4.0M | ||
| Q4 24 | $45.4M | $53.0M | ||
| Q3 24 | $-7.6M | $16.3M | ||
| Q2 24 | $15.3M | $14.0M | ||
| Q1 24 | $15.0M | $6.8M |
自由现金流率COFSRMAX
| Q4 25 | 58.7% | 47.1% | ||
| Q3 25 | 22.1% | 22.4% | ||
| Q2 25 | 11.4% | 4.0% | ||
| Q1 25 | -16.3% | 5.3% | ||
| Q4 24 | 186.4% | 73.2% | ||
| Q3 24 | -20.8% | 20.8% | ||
| Q2 24 | 44.8% | 17.8% | ||
| Q1 24 | 46.2% | 8.6% |
资本支出强度COFSRMAX
| Q4 25 | 15.4% | 10.4% | ||
| Q3 25 | 2.6% | 1.8% | ||
| Q2 25 | 3.4% | 2.2% | ||
| Q1 25 | 1.9% | 2.3% | ||
| Q4 24 | 7.0% | 9.1% | ||
| Q3 24 | 0.7% | 1.7% | ||
| Q2 24 | 1.4% | 2.4% | ||
| Q1 24 | 1.0% | 3.3% |
现金转化率COFSRMAX
| Q4 25 | — | 28.39× | ||
| Q3 25 | 1.04× | 4.45× | ||
| Q2 25 | 0.66× | 0.97× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 10.28× | ||
| Q3 24 | -1.00× | 18.22× | ||
| Q2 24 | 2.39× | 4.29× | ||
| 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
业务分部营收拆解
COFS
暂无分部数据
RMAX
| Franchising Segment | $50.1M | 70% |
| Broker Fees | $13.9M | 20% |
| Annual Dues | $7.4M | 10% |
