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CITIZENS FINANCIAL SERVICES INC（CZFS）与INTEST CORP（INTT）财务数据对比。点击上方公司名可切换其他公司
INTEST CORP的季度营收约是CITIZENS FINANCIAL SERVICES INC的1.1倍（$32.8M vs $29.6M），CITIZENS FINANCIAL SERVICES INC净利率更高（35.4% vs 3.8%，领先31.6%），CITIZENS FINANCIAL SERVICES INC同比增速更快（13.0% vs -10.3%），CITIZENS FINANCIAL SERVICES INC自由现金流更多（$35.2M vs $-1.6M），过去两年CITIZENS FINANCIAL SERVICES INC的营收复合增速更高（6.9% vs 4.9%）
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。
INTEST CORP是面向全球半导体产业的专业测试设备供应商，主营研发、生产及销售热管理系统、测试接口硬件、晶圆处理工具等产品，客户覆盖晶圆制造厂、芯片设计企业及汽车、工业电子等下游领域。
CZFS vs INTT — 直观对比
营收规模更大
INTT
是对方的1.1倍
$29.6M
营收增速更快
CZFS
高出23.3%
-10.3%
净利率更高
CZFS
高出31.6%
3.8%
自由现金流更多
CZFS
多$36.8M
$-1.6M
两年增速更快
CZFS
近两年复合增速
4.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $29.6M | $32.8M |
| 净利润 | $10.5M | $1.2M |
| 毛利率 | — | 45.4% |
| 营业利润率 | 44.2% | 3.9% |
| 净利率 | 35.4% | 3.8% |
| 营收同比 | 13.0% | -10.3% |
| 净利润同比 | 31.3% | -17.4% |
| 每股收益（稀释后） | $2.17 | $0.10 |
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CZFSINTT
| Q4 25 | $29.6M | $32.8M | ||
| Q3 25 | $29.0M | $26.2M | ||
| Q2 25 | $27.3M | $28.1M | ||
| Q1 25 | $26.4M | $26.6M | ||
| Q4 24 | $26.2M | $36.6M | ||
| Q3 24 | $25.1M | $30.3M | ||
| Q2 24 | $24.6M | $34.0M | ||
| Q1 24 | $25.9M | $29.8M |
净利润CZFSINTT
| Q4 25 | $10.5M | $1.2M | ||
| Q3 25 | $10.0M | $-938.0K | ||
| Q2 25 | $8.5M | $-503.0K | ||
| Q1 25 | $7.6M | $-2.3M | ||
| Q4 24 | $8.0M | $1.5M | ||
| Q3 24 | $7.5M | $495.0K | ||
| Q2 24 | $5.3M | $230.0K | ||
| Q1 24 | $7.0M | $662.0K |
毛利率CZFSINTT
| Q4 25 | — | 45.4% | ||
| Q3 25 | — | 41.9% | ||
| Q2 25 | — | 42.6% | ||
| Q1 25 | — | 41.5% | ||
| Q4 24 | — | 39.7% | ||
| Q3 24 | — | 46.3% | ||
| Q2 24 | — | 40.6% | ||
| Q1 24 | — | 43.8% |
营业利润率CZFSINTT
| Q4 25 | 44.2% | 3.9% | ||
| Q3 25 | 42.6% | -4.5% | ||
| Q2 25 | 38.1% | -3.3% | ||
| Q1 25 | 35.5% | -10.8% | ||
| Q4 24 | 37.2% | 5.7% | ||
| Q3 24 | 36.9% | 1.6% | ||
| Q2 24 | 25.9% | 1.0% | ||
| Q1 24 | 32.8% | 1.6% |
净利率CZFSINTT
| Q4 25 | 35.4% | 3.8% | ||
| Q3 25 | 34.5% | -3.6% | ||
| Q2 25 | 31.0% | -1.8% | ||
| Q1 25 | 28.8% | -8.7% | ||
| Q4 24 | 30.5% | 4.1% | ||
| Q3 24 | 30.0% | 1.6% | ||
| Q2 24 | 21.4% | 0.7% | ||
| Q1 24 | 27.1% | 2.2% |
每股收益（稀释后）CZFSINTT
| Q4 25 | $2.17 | $0.10 | ||
| Q3 25 | $2.09 | $-0.08 | ||
| Q2 25 | $1.76 | $-0.04 | ||
| Q1 25 | $1.60 | $-0.19 | ||
| Q4 24 | $1.64 | $0.13 | ||
| Q3 24 | $1.57 | $0.04 | ||
| Q2 24 | $1.10 | $0.02 | ||
| Q1 24 | $1.48 | $0.05 |
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 | $14.2M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $338.1M | $103.6M |
| 总资产 | $3.1B | $151.3M |
| 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CZFSINTT
| Q4 25 | $34.3M | $14.2M | ||
| Q3 25 | $31.1M | $16.2M | ||
| Q2 25 | $49.5M | $19.2M | ||
| Q1 25 | $36.8M | $22.0M | ||
| Q4 24 | $42.2M | $19.8M | ||
| Q3 24 | $36.8M | $18.0M | ||
| Q2 24 | $38.4M | $20.4M | ||
| Q1 24 | $29.6M | $27.3M |
总债务CZFSINTT
| Q4 25 | — | — | ||
| Q3 25 | — | $4.9M | ||
| Q2 25 | — | $5.9M | ||
| Q1 25 | — | $6.9M | ||
| Q4 24 | — | $7.9M | ||
| Q3 24 | — | $9.0M | ||
| Q2 24 | — | $10.0M | ||
| Q1 24 | — | $11.0M |
股东权益CZFSINTT
| Q4 25 | $338.1M | $103.6M | ||
| Q3 25 | $327.7M | $101.9M | ||
| Q2 25 | $313.7M | $102.6M | ||
| Q1 25 | $308.3M | $99.4M | ||
| Q4 24 | $299.7M | $99.8M | ||
| Q3 24 | $298.7M | $100.4M | ||
| Q2 24 | $286.5M | $99.5M | ||
| Q1 24 | $282.7M | $99.3M |
总资产CZFSINTT
| Q4 25 | $3.1B | $151.3M | ||
| Q3 25 | $3.1B | $148.3M | ||
| Q2 25 | $3.0B | $149.7M | ||
| Q1 25 | $3.0B | $148.0M | ||
| Q4 24 | $3.0B | $152.3M | ||
| Q3 24 | $3.0B | $158.4M | ||
| Q2 24 | $2.9B | $160.6M | ||
| Q1 24 | $2.9B | $159.5M |
负债/权益比CZFSINTT
| Q4 25 | — | — | ||
| Q3 25 | — | 0.05× | ||
| Q2 25 | — | 0.06× | ||
| Q1 25 | — | 0.07× | ||
| Q4 24 | — | 0.08× | ||
| Q3 24 | — | 0.09× | ||
| Q2 24 | — | 0.10× | ||
| Q1 24 | — | 0.11× |
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 | $-1.0M |
| 自由现金流经营现金流 - 资本支出 | $35.2M | $-1.6M |
| 自由现金流率自由现金流/营收 | 119.0% | -4.7% |
| 资本支出强度资本支出/营收 | 4.4% | 1.6% |
| 现金转化率经营现金流/净利润 | 3.49× | -0.82× |
| 过去12个月自由现金流最近4个季度 | $53.8M | $5.7M |
8季度趋势，按日历期对齐
经营现金流CZFSINTT
| Q4 25 | $36.5M | $-1.0M | ||
| Q3 25 | $2.9M | $3.5M | ||
| Q2 25 | $6.0M | $-688.0K | ||
| Q1 25 | $10.9M | $5.5M | ||
| Q4 24 | $33.2M | $2.6M | ||
| Q3 24 | $6.2M | $4.2M | ||
| Q2 24 | $3.0M | $-5.1M | ||
| Q1 24 | $13.5M | $2.1M |
自由现金流CZFSINTT
| Q4 25 | $35.2M | $-1.6M | ||
| Q3 25 | $2.7M | $3.1M | ||
| Q2 25 | $5.5M | $-1.1M | ||
| Q1 25 | $10.4M | $5.3M | ||
| Q4 24 | $31.9M | $2.4M | ||
| Q3 24 | $5.6M | $3.7M | ||
| Q2 24 | $2.9M | $-5.4M | ||
| Q1 24 | $13.4M | $1.7M |
自由现金流率CZFSINTT
| Q4 25 | 119.0% | -4.7% | ||
| Q3 25 | 9.4% | 11.8% | ||
| Q2 25 | 20.1% | -4.1% | ||
| Q1 25 | 39.2% | 19.9% | ||
| Q4 24 | 121.6% | 6.6% | ||
| Q3 24 | 22.3% | 12.4% | ||
| Q2 24 | 11.8% | -15.9% | ||
| Q1 24 | 51.5% | 5.8% |
资本支出强度CZFSINTT
| Q4 25 | 4.4% | 1.6% | ||
| Q3 25 | 0.5% | 1.6% | ||
| Q2 25 | 1.8% | 1.6% | ||
| Q1 25 | 2.2% | 0.9% | ||
| Q4 24 | 5.0% | 0.4% | ||
| Q3 24 | 2.5% | 1.7% | ||
| Q2 24 | 0.5% | 0.9% | ||
| Q1 24 | 0.4% | 1.1% |
现金转化率CZFSINTT
| Q4 25 | 3.49× | -0.82× | ||
| Q3 25 | 0.29× | — | ||
| Q2 25 | 0.71× | — | ||
| Q1 25 | 1.44× | — | ||
| Q4 24 | 4.16× | 1.72× | ||
| Q3 24 | 0.83× | 8.58× | ||
| Q2 24 | 0.57× | -22.13× | ||
| Q1 24 | 1.92× | 3.13× |
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
INTT
| Environmental Technologies | $8.3M | 25% |
| Semiconductor Market | $6.9M | 21% |
| Thermal Testing Products | $6.4M | 19% |
| Service And Other Products | $4.8M | 15% |
| Oem Integrators And Distributor | $3.5M | 11% |
| Semiconductor Production Test Products | $3.0M | 9% |
