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CHOICEONE FINANCIAL SERVICES INC（COFS）与STEM, INC.（STEM）财务数据对比。点击上方公司名可切换其他公司
STEM, INC.的季度营收约是CHOICEONE FINANCIAL SERVICES INC的1.1倍（$47.1M vs $42.9M），CHOICEONE FINANCIAL SERVICES INC同比增速更快（76.4% vs -15.6%），过去两年STEM, INC.的营收复合增速更高（36.1% 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。
该公司是一家公开上市的生物制药企业，总部位于加利福尼亚州纽瓦克，专注研发纯化人类神经干细胞，旨在治疗中枢神经系统疾病与瘫痪，其所研发的神经干细胞可分化为中枢神经系统的神经元、星形胶质细胞与少突胶质细胞这三大主要细胞类型。
COFS vs STEM — 直观对比
营收规模更大
STEM
是对方的1.1倍
$42.9M
营收增速更快
COFS
高出91.9%
-15.6%
两年增速更快
STEM
近两年复合增速
15.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $42.9M | $47.1M |
| 净利润 | — | $-16.0M |
| 毛利率 | — | 48.9% |
| 营业利润率 | 39.1% | -17.7% |
| 净利率 | — | -33.9% |
| 营收同比 | 76.4% | -15.6% |
| 净利润同比 | — | 68.8% |
| 每股收益（稀释后） | $1.43 | $-4.40 |
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COFSSTEM
| Q4 25 | $42.9M | $47.1M | ||
| Q3 25 | $61.8M | $38.2M | ||
| Q2 25 | $60.4M | $38.4M | ||
| Q1 25 | $44.9M | $32.5M | ||
| Q4 24 | $24.3M | $55.8M | ||
| Q3 24 | $36.6M | $29.3M | ||
| Q2 24 | $34.0M | $34.0M | ||
| Q1 24 | $32.5M | $25.5M |
净利润COFSSTEM
| Q4 25 | — | $-16.0M | ||
| Q3 25 | $14.7M | $-23.8M | ||
| Q2 25 | $13.5M | $202.5M | ||
| Q1 25 | $-13.9M | $-25.0M | ||
| Q4 24 | — | $-51.1M | ||
| Q3 24 | $7.3M | $-148.3M | ||
| Q2 24 | $6.6M | $-582.3M | ||
| Q1 24 | $5.6M | $-72.3M |
毛利率COFSSTEM
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | -95.0% |
营业利润率COFSSTEM
| Q4 25 | 39.1% | -17.7% | ||
| Q3 25 | 29.6% | -33.6% | ||
| Q2 25 | 27.6% | -34.8% | ||
| Q1 25 | -39.2% | -65.0% | ||
| Q4 24 | 36.1% | -84.4% | ||
| Q3 24 | 25.4% | -493.2% | ||
| Q2 24 | 24.0% | -1705.5% | ||
| Q1 24 | 21.1% | -267.0% |
净利率COFSSTEM
| Q4 25 | — | -33.9% | ||
| Q3 25 | 23.7% | -62.2% | ||
| Q2 25 | 22.4% | 527.8% | ||
| Q1 25 | -31.0% | -76.9% | ||
| Q4 24 | — | -91.6% | ||
| Q3 24 | 20.1% | -506.3% | ||
| Q2 24 | 19.4% | -1712.6% | ||
| Q1 24 | 17.3% | -283.9% |
每股收益（稀释后）COFSSTEM
| Q4 25 | $1.43 | $-4.40 | ||
| Q3 25 | $0.97 | $-2.84 | ||
| Q2 25 | $0.90 | $-1.79 | ||
| Q1 25 | $-1.29 | $-0.15 | ||
| Q4 24 | $0.79 | $-15.29 | ||
| Q3 24 | $0.85 | $-18.24 | ||
| Q2 24 | $0.87 | $-71.81 | ||
| Q1 24 | $0.74 | $-0.46 |
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 | $48.9M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $465.4M | $-249.4M |
| 总资产 | $4.4B | $308.9M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资COFSSTEM
| Q4 25 | $88.0M | $48.9M | ||
| Q3 25 | $99.0M | $43.1M | ||
| Q2 25 | $156.3M | $40.8M | ||
| Q1 25 | $139.4M | $58.6M | ||
| Q4 24 | $96.8M | $56.3M | ||
| Q3 24 | $145.9M | $75.4M | ||
| Q2 24 | $101.0M | $89.6M | ||
| Q1 24 | $150.1M | $112.8M |
股东权益COFSSTEM
| Q4 25 | $465.4M | $-249.4M | ||
| Q3 25 | $449.6M | $-235.7M | ||
| Q2 25 | $431.8M | $-214.1M | ||
| Q1 25 | $427.1M | $-417.5M | ||
| Q4 24 | $260.4M | $-398.4M | ||
| Q3 24 | $247.7M | $-344.1M | ||
| Q2 24 | $214.5M | $-203.2M | ||
| Q1 24 | $206.8M | $371.6M |
总资产COFSSTEM
| Q4 25 | $4.4B | $308.9M | ||
| Q3 25 | $4.3B | $362.6M | ||
| Q2 25 | $4.3B | $379.2M | ||
| Q1 25 | $4.3B | $405.1M | ||
| Q4 24 | $2.7B | $437.4M | ||
| Q3 24 | $2.7B | $537.8M | ||
| Q2 24 | $2.7B | $691.5M | ||
| Q1 24 | $2.7B | $1.3B |
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 | $8.2M |
| 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 | — | — |
| 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COFSSTEM
| Q4 25 | $31.8M | $8.2M | ||
| Q3 25 | $15.3M | $11.4M | ||
| Q2 25 | $9.0M | $-21.3M | ||
| Q1 25 | $-6.5M | $8.5M | ||
| Q4 24 | $47.1M | $-14.7M | ||
| Q3 24 | $-7.4M | $-9.4M | ||
| Q2 24 | $15.7M | $-11.9M | ||
| Q1 24 | $15.3M | $-621.0K |
自由现金流COFSSTEM
| 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COFSSTEM
| 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COFSSTEM
| 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COFSSTEM
| Q4 25 | — | — | ||
| Q3 25 | 1.04× | — | ||
| Q2 25 | 0.66× | -0.11× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | -1.00× | — | ||
| 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
