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CITIZENS FINANCIAL SERVICES INC（CZFS）与i3 Verticals, Inc.（IIIV）财务数据对比。点击上方公司名可切换其他公司
i3 Verticals, Inc.的季度营收约是CITIZENS FINANCIAL SERVICES INC的1.8倍（$52.7M vs $29.6M），CITIZENS FINANCIAL SERVICES INC净利率更高（35.4% vs 0.9%，领先34.5%），CITIZENS FINANCIAL SERVICES INC同比增速更快（13.0% vs -14.6%），CITIZENS FINANCIAL SERVICES INC自由现金流更多（$35.2M vs $13.8M），过去两年CITIZENS FINANCIAL SERVICES INC的营收复合增速更高（6.9% vs -4.7%）
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。
Prusa i3是捷克Prusa Research公司生产的熔融沉积成型3D打印机系列，以Original Prusa i3为注册商标推出，同时也是RepRap项目的组成部分。2016年该系列就被评为全球使用率最高的3D打印机，最早由Josef Průša在2012年完成设计，2015年正式推出商用套件版本，目前最新型号同时提供散件套件和原厂组装版本，具备性价比高、易操作的优势。
CZFS vs IIIV — 直观对比
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $29.6M | $52.7M |
| 净利润 | $10.5M | $484.0K |
| 毛利率 | — | — |
| 营业利润率 | 44.2% | 3.1% |
| 净利率 | 35.4% | 0.9% |
| 营收同比 | 13.0% | -14.6% |
| 净利润同比 | 31.3% | -76.5% |
| 每股收益（稀释后） | $2.17 | $0.02 |
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
| Q4 25 | $29.6M | $52.7M | ||
| Q3 25 | $29.0M | $46.0M | ||
| Q2 25 | $27.3M | $51.9M | ||
| Q1 25 | $26.4M | $63.1M | ||
| Q4 24 | $26.2M | $52.2M | ||
| Q3 24 | $25.1M | $32.0M | ||
| Q2 24 | $24.6M | $46.2M | ||
| Q1 24 | $25.9M | $58.0M |
| Q4 25 | $10.5M | $484.0K | ||
| Q3 25 | $10.0M | $3.1M | ||
| Q2 25 | $8.5M | $12.9M | ||
| Q1 25 | $7.6M | $-154.0K | ||
| Q4 24 | $8.0M | $2.1M | ||
| Q3 24 | $7.5M | $117.9M | ||
| Q2 24 | $5.3M | $-7.5M | ||
| Q1 24 | $7.0M | $1.9M |
| Q4 25 | 44.2% | 3.1% | ||
| Q3 25 | 42.6% | 3.2% | ||
| Q2 25 | 38.1% | -9.3% | ||
| Q1 25 | 35.5% | 8.0% | ||
| Q4 24 | 37.2% | 3.9% | ||
| Q3 24 | 36.9% | 10.6% | ||
| Q2 24 | 25.9% | -2.8% | ||
| Q1 24 | 32.8% | 3.4% |
| Q4 25 | 35.4% | 0.9% | ||
| Q3 25 | 34.5% | 6.7% | ||
| Q2 25 | 31.0% | 24.8% | ||
| Q1 25 | 28.8% | -0.2% | ||
| Q4 24 | 30.5% | 3.9% | ||
| Q3 24 | 30.0% | 368.2% | ||
| Q2 24 | 21.4% | -16.3% | ||
| Q1 24 | 27.1% | 3.2% |
| Q4 25 | $2.17 | $0.02 | ||
| Q3 25 | $2.09 | $0.14 | ||
| Q2 25 | $1.76 | $0.50 | ||
| Q1 25 | $1.60 | $0.00 | ||
| Q4 24 | $1.64 | $0.08 | ||
| Q3 24 | $1.57 | $4.93 | ||
| Q2 24 | $1.10 | $-0.32 | ||
| Q1 24 | $1.48 | $0.08 |
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 | $37.5M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $338.1M | $358.5M |
| 总资产 | $3.1B | $595.9M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
| Q4 25 | $34.3M | $37.5M | ||
| Q3 25 | $31.1M | $66.7M | ||
| Q2 25 | $49.5M | $55.5M | ||
| Q1 25 | $36.8M | $7.7M | ||
| Q4 24 | $42.2M | $85.6M | ||
| Q3 24 | $36.8M | $86.5M | ||
| Q2 24 | $38.4M | $9.7M | ||
| Q1 24 | $29.6M | $3.1M |
| Q4 25 | — | — | ||
| Q3 25 | — | $0 | ||
| Q2 25 | — | $0 | ||
| Q1 25 | — | $12.0M | ||
| Q4 24 | — | $26.2M | ||
| Q3 24 | — | $26.2M | ||
| Q2 24 | — | $374.1M | ||
| Q1 24 | — | $369.6M |
| Q4 25 | $338.1M | $358.5M | ||
| Q3 25 | $327.7M | $389.6M | ||
| Q2 25 | $313.7M | $383.3M | ||
| Q1 25 | $308.3M | $385.2M | ||
| Q4 24 | $299.7M | $375.0M | ||
| Q3 24 | $298.7M | $379.7M | ||
| Q2 24 | $286.5M | $249.7M | ||
| Q1 24 | $282.7M | $249.3M |
| Q4 25 | $3.1B | $595.9M | ||
| Q3 25 | $3.1B | $638.4M | ||
| Q2 25 | $3.0B | $623.3M | ||
| Q1 25 | $3.0B | $646.4M | ||
| Q4 24 | $3.0B | $726.2M | ||
| Q3 24 | $3.0B | $730.7M | ||
| Q2 24 | $2.9B | $861.7M | ||
| Q1 24 | $2.9B | $625.8M |
| Q4 25 | — | — | ||
| Q3 25 | — | 0.00× | ||
| Q2 25 | — | 0.00× | ||
| Q1 25 | — | 0.03× | ||
| Q4 24 | — | 0.07× | ||
| Q3 24 | — | 0.07× | ||
| Q2 24 | — | 1.50× | ||
| Q1 24 | — | 1.48× |
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 | $14.1M |
| 自由现金流经营现金流 - 资本支出 | $35.2M | $13.8M |
| 自由现金流率自由现金流/营收 | 119.0% | 26.2% |
| 资本支出强度资本支出/营收 | 4.4% | 0.6% |
| 现金转化率经营现金流/净利润 | 3.49× | 29.18× |
| 过去12个月自由现金流最近4个季度 | $53.8M | $6.5M |
8季度趋势，按日历期对齐
| Q4 25 | $36.5M | $14.1M | ||
| Q3 25 | $2.9M | $14.0M | ||
| Q2 25 | $6.0M | $7.4M | ||
| Q1 25 | $10.9M | $-27.1M | ||
| Q4 24 | $33.2M | $11.5M | ||
| Q3 24 | $6.2M | $15.1M | ||
| Q2 24 | $3.0M | $8.1M | ||
| Q1 24 | $13.5M | $10.7M |
| Q4 25 | $35.2M | $13.8M | ||
| Q3 25 | $2.7M | $13.5M | ||
| Q2 25 | $5.5M | $6.8M | ||
| Q1 25 | $10.4M | $-27.6M | ||
| Q4 24 | $31.9M | $11.0M | ||
| Q3 24 | $5.6M | $14.6M | ||
| Q2 24 | $2.9M | $7.2M | ||
| Q1 24 | $13.4M | $9.9M |
| Q4 25 | 119.0% | 26.2% | ||
| Q3 25 | 9.4% | 29.5% | ||
| Q2 25 | 20.1% | 13.1% | ||
| Q1 25 | 39.2% | -43.8% | ||
| Q4 24 | 121.6% | 21.1% | ||
| Q3 24 | 22.3% | 45.6% | ||
| Q2 24 | 11.8% | 15.6% | ||
| Q1 24 | 51.5% | 17.1% |
| Q4 25 | 4.4% | 0.6% | ||
| Q3 25 | 0.5% | 0.9% | ||
| Q2 25 | 1.8% | 1.0% | ||
| Q1 25 | 2.2% | 0.8% | ||
| Q4 24 | 5.0% | 0.9% | ||
| Q3 24 | 2.5% | 1.7% | ||
| Q2 24 | 0.5% | 1.9% | ||
| Q1 24 | 0.4% | 1.4% |
| Q4 25 | 3.49× | 29.18× | ||
| Q3 25 | 0.29× | 4.52× | ||
| Q2 25 | 0.71× | 0.57× | ||
| Q1 25 | 1.44× | — | ||
| Q4 24 | 4.16× | 5.59× | ||
| Q3 24 | 0.83× | 0.13× | ||
| Q2 24 | 0.57× | — | ||
| Q1 24 | 1.92× | 5.72× |
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
CZFS
暂无分部数据
IIIV
| License And Service | $35.7M | 68% |
| Proprietary Payments Revenue | $14.5M | 27% |
| Other Revenue | $2.5M | 5% |
