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CITIZENS FINANCIAL SERVICES INC（CZFS）与FGI Industries Ltd.（FGI）财务数据对比。点击上方公司名可切换其他公司
FGI Industries Ltd.的季度营收约是CITIZENS FINANCIAL SERVICES INC的1.0倍（$30.5M vs $29.6M），CITIZENS FINANCIAL SERVICES INC净利率更高（35.4% vs -8.6%，领先44.0%），CITIZENS FINANCIAL SERVICES INC同比增速更快（13.0% vs -14.4%），CITIZENS FINANCIAL SERVICES INC自由现金流更多（$35.2M vs $2.3M），过去两年CITIZENS FINANCIAL SERVICES INC的营收复合增速更高（6.9% vs -0.5%）
公民金融集团是一家美国银行控股公司，总部位于罗得岛州普罗维登斯。集团旗下拥有公民银行（Citizens Bank, N.A.），业务覆盖美国康涅狄格、特拉华、佛罗里达等十余个州及华盛顿哥伦比亚特区。
FGI Industries Ltd是一家全球厨卫产品、家居收纳解决方案及家装用品的设计、制造与分销商，服务覆盖北美、欧洲及亚太地区的大型连锁零售商、家居专营店和电商平台。
CZFS vs FGI — 直观对比
营收规模更大
FGI
是对方的1.0倍
$29.6M
营收增速更快
CZFS
高出27.4%
-14.4%
净利率更高
CZFS
高出44.0%
-8.6%
自由现金流更多
CZFS
多$33.0M
$2.3M
两年增速更快
CZFS
近两年复合增速
-0.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $29.6M | $30.5M |
| 净利润 | $10.5M | $-2.6M |
| 毛利率 | — | 26.7% |
| 营业利润率 | 44.2% | -2.2% |
| 净利率 | 35.4% | -8.6% |
| 营收同比 | 13.0% | -14.4% |
| 净利润同比 | 31.3% | -553.1% |
| 每股收益（稀释后） | $2.17 | $-1.63 |
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CZFSFGI
| Q4 25 | $29.6M | $30.5M | ||
| Q3 25 | $29.0M | $35.8M | ||
| Q2 25 | $27.3M | $31.0M | ||
| Q1 25 | $26.4M | $33.2M | ||
| Q4 24 | $26.2M | $35.6M | ||
| Q3 24 | $25.1M | $36.1M | ||
| Q2 24 | $24.6M | $29.4M | ||
| Q1 24 | $25.9M | $30.8M |
净利润CZFSFGI
| Q4 25 | $10.5M | $-2.6M | ||
| Q3 25 | $10.0M | $-1.7M | ||
| Q2 25 | $8.5M | $-1.2M | ||
| Q1 25 | $7.6M | $-629.1K | ||
| Q4 24 | $8.0M | $-402.3K | ||
| Q3 24 | $7.5M | $-550.1K | ||
| Q2 24 | $5.3M | $163.6K | ||
| Q1 24 | $7.0M | $-412.2K |
毛利率CZFSFGI
| Q4 25 | — | 26.7% | ||
| Q3 25 | — | 26.5% | ||
| Q2 25 | — | 28.1% | ||
| Q1 25 | — | 26.8% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 25.8% | ||
| Q2 24 | — | 30.5% | ||
| Q1 24 | — | 27.4% |
营业利润率CZFSFGI
| Q4 25 | 44.2% | -2.2% | ||
| Q3 25 | 42.6% | 1.0% | ||
| Q2 25 | 38.1% | -2.7% | ||
| Q1 25 | 35.5% | -3.9% | ||
| Q4 24 | 37.2% | -3.5% | ||
| Q3 24 | 36.9% | -0.2% | ||
| Q2 24 | 25.9% | -1.5% | ||
| Q1 24 | 32.8% | -1.0% |
净利率CZFSFGI
| Q4 25 | 35.4% | -8.6% | ||
| Q3 25 | 34.5% | -4.6% | ||
| Q2 25 | 31.0% | -4.0% | ||
| Q1 25 | 28.8% | -1.9% | ||
| Q4 24 | 30.5% | -1.1% | ||
| Q3 24 | 30.0% | -1.5% | ||
| Q2 24 | 21.4% | 0.6% | ||
| Q1 24 | 27.1% | -1.3% |
每股收益（稀释后）CZFSFGI
| Q4 25 | $2.17 | $-1.63 | ||
| Q3 25 | $2.09 | $-0.86 | ||
| Q2 25 | $1.76 | $-0.64 | ||
| Q1 25 | $1.60 | $-0.07 | ||
| Q4 24 | $1.64 | $-0.38 | ||
| Q3 24 | $1.57 | $-0.29 | ||
| Q2 24 | $1.10 | $0.08 | ||
| Q1 24 | $1.48 | $-0.04 |
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 | $34.3M | $1.9M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $338.1M | $17.3M |
| 总资产 | $3.1B | $69.5M |
| 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CZFSFGI
| Q4 25 | $34.3M | $1.9M | ||
| Q3 25 | $31.1M | $1.9M | ||
| Q2 25 | $49.5M | $2.5M | ||
| Q1 25 | $36.8M | $1.2M | ||
| Q4 24 | $42.2M | $4.6M | ||
| Q3 24 | $36.8M | $3.0M | ||
| Q2 24 | $38.4M | $1.3M | ||
| Q1 24 | $29.6M | $3.3M |
股东权益CZFSFGI
| Q4 25 | $338.1M | $17.3M | ||
| Q3 25 | $327.7M | $19.7M | ||
| Q2 25 | $313.7M | $21.3M | ||
| Q1 25 | $308.3M | $21.8M | ||
| Q4 24 | $299.7M | $22.3M | ||
| Q3 24 | $298.7M | $23.5M | ||
| Q2 24 | $286.5M | $23.8M | ||
| Q1 24 | $282.7M | $23.9M |
总资产CZFSFGI
| Q4 25 | $3.1B | $69.5M | ||
| Q3 25 | $3.1B | $73.0M | ||
| Q2 25 | $3.0B | $71.7M | ||
| Q1 25 | $3.0B | $68.5M | ||
| Q4 24 | $3.0B | $75.5M | ||
| Q3 24 | $3.0B | $74.7M | ||
| Q2 24 | $2.9B | $69.9M | ||
| Q1 24 | $2.9B | $68.6M |
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 | $36.5M | $2.3M |
| 自由现金流经营现金流 - 资本支出 | $35.2M | $2.3M |
| 自由现金流率自由现金流/营收 | 119.0% | 7.5% |
| 资本支出强度资本支出/营收 | 4.4% | 0.2% |
| 现金转化率经营现金流/净利润 | 3.49× | — |
| 过去12个月自由现金流最近4个季度 | $53.8M | $-212.5K |
8季度趋势，按日历期对齐
经营现金流CZFSFGI
| Q4 25 | $36.5M | $2.3M | ||
| Q3 25 | $2.9M | $-1.9M | ||
| Q2 25 | $6.0M | $7.6M | ||
| Q1 25 | $10.9M | $-7.4M | ||
| Q4 24 | $33.2M | $617.4K | ||
| Q3 24 | $6.2M | $-915.0K | ||
| Q2 24 | $3.0M | $862.1K | ||
| Q1 24 | $13.5M | $-8.0M |
自由现金流CZFSFGI
| Q4 25 | $35.2M | $2.3M | ||
| Q3 25 | $2.7M | $-2.1M | ||
| Q2 25 | $5.5M | $7.4M | ||
| Q1 25 | $10.4M | $-7.7M | ||
| Q4 24 | $31.9M | $-214.1K | ||
| Q3 24 | $5.6M | $-1.1M | ||
| Q2 24 | $2.9M | $281.5K | ||
| Q1 24 | $13.4M | $-8.6M |
自由现金流率CZFSFGI
| Q4 25 | 119.0% | 7.5% | ||
| Q3 25 | 9.4% | -5.9% | ||
| Q2 25 | 20.1% | 23.8% | ||
| Q1 25 | 39.2% | -23.3% | ||
| Q4 24 | 121.6% | -0.6% | ||
| Q3 24 | 22.3% | -3.0% | ||
| Q2 24 | 11.8% | 1.0% | ||
| Q1 24 | 51.5% | -28.0% |
资本支出强度CZFSFGI
| Q4 25 | 4.4% | 0.2% | ||
| Q3 25 | 0.5% | 0.7% | ||
| Q2 25 | 1.8% | 0.7% | ||
| Q1 25 | 2.2% | 1.1% | ||
| Q4 24 | 5.0% | 2.3% | ||
| Q3 24 | 2.5% | 0.5% | ||
| Q2 24 | 0.5% | 2.0% | ||
| Q1 24 | 0.4% | 2.0% |
现金转化率CZFSFGI
| Q4 25 | 3.49× | — | ||
| Q3 25 | 0.29× | — | ||
| Q2 25 | 0.71× | — | ||
| Q1 25 | 1.44× | — | ||
| Q4 24 | 4.16× | — | ||
| Q3 24 | 0.83× | — | ||
| Q2 24 | 0.57× | 5.27× | ||
| Q1 24 | 1.92× | — |
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
CZFS
暂无分部数据
FGI
| Sanitaryware | $19.1M | 63% |
| Shower System | $5.8M | 19% |
| Kitchen And Bath Other | $3.3M | 11% |
| Bath Furniture Products | $2.3M | 7% |
