vs
CITIZENS FINANCIAL SERVICES INC（CZFS）与La Rosa Holdings Corp.（LRHC）财务数据对比。点击上方公司名可切换其他公司
CITIZENS FINANCIAL SERVICES INC的季度营收约是La Rosa Holdings Corp.的1.5倍（$29.6M vs $20.2M），CITIZENS FINANCIAL SERVICES INC净利率更高（35.4% vs -27.4%，领先62.8%），CITIZENS FINANCIAL SERVICES INC同比增速更快（13.0% vs 3.2%），过去两年La Rosa Holdings Corp.的营收复合增速更高（72.5% vs 6.9%）
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。
拉罗萨控股旗下的万拉罗萨父子通心粉公司由西西里移民文森佐·拉罗萨于1914年创立，发展至今已成为美国规模领先的区域知名食品品牌，可生产四十余种意面产品，在当地市场拥有较高的认可度。
CZFS vs LRHC — 直观对比
营收规模更大
CZFS
是对方的1.5倍
$20.2M
营收增速更快
CZFS
高出9.8%
3.2%
净利率更高
CZFS
高出62.8%
-27.4%
两年增速更快
LRHC
近两年复合增速
6.9%
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $29.6M | $20.2M |
| 净利润 | $10.5M | $-5.5M |
| 毛利率 | — | 8.4% |
| 营业利润率 | 44.2% | -24.7% |
| 净利率 | 35.4% | -27.4% |
| 营收同比 | 13.0% | 3.2% |
| 净利润同比 | 31.3% | -125.7% |
| 每股收益（稀释后） | $2.17 | $-5.44 |
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CZFSLRHC
| Q4 25 | $29.6M | — | ||
| Q3 25 | $29.0M | $20.2M | ||
| Q2 25 | $27.3M | $23.2M | ||
| Q1 25 | $26.4M | $17.5M | ||
| Q4 24 | $26.2M | $17.7M | ||
| Q3 24 | $25.1M | $19.6M | ||
| Q2 24 | $24.6M | $19.1M | ||
| Q1 24 | $25.9M | $13.1M |
净利润CZFSLRHC
| Q4 25 | $10.5M | — | ||
| Q3 25 | $10.0M | $-5.5M | ||
| Q2 25 | $8.5M | $78.4M | ||
| Q1 25 | $7.6M | $-95.7M | ||
| Q4 24 | $8.0M | $-5.1M | ||
| Q3 24 | $7.5M | $-2.5M | ||
| Q2 24 | $5.3M | $-2.3M | ||
| Q1 24 | $7.0M | $-4.6M |
毛利率CZFSLRHC
| Q4 25 | — | — | ||
| Q3 25 | — | 8.4% | ||
| Q2 25 | — | 8.0% | ||
| Q1 25 | — | 8.8% | ||
| Q4 24 | — | 8.9% | ||
| Q3 24 | — | 8.3% | ||
| Q2 24 | — | 8.3% | ||
| Q1 24 | — | 8.9% |
营业利润率CZFSLRHC
| Q4 25 | 44.2% | — | ||
| Q3 25 | 42.6% | -24.7% | ||
| Q2 25 | 38.1% | -10.6% | ||
| Q1 25 | 35.5% | -26.7% | ||
| Q4 24 | 37.2% | -17.1% | ||
| Q3 24 | 36.9% | -8.9% | ||
| Q2 24 | 25.9% | -9.7% | ||
| Q1 24 | 32.8% | -35.0% |
净利率CZFSLRHC
| Q4 25 | 35.4% | — | ||
| Q3 25 | 34.5% | -27.4% | ||
| Q2 25 | 31.0% | 337.8% | ||
| Q1 25 | 28.8% | -546.5% | ||
| Q4 24 | 30.5% | -28.7% | ||
| Q3 24 | 30.0% | -12.5% | ||
| Q2 24 | 21.4% | -12.2% | ||
| Q1 24 | 27.1% | -35.1% |
每股收益（稀释后）CZFSLRHC
| Q4 25 | $2.17 | — | ||
| Q3 25 | $2.09 | $-5.44 | ||
| Q2 25 | $1.76 | $15.25 | ||
| Q1 25 | $1.60 | $-5.86 | ||
| Q4 24 | $1.64 | $28.54 | ||
| Q3 24 | $1.57 | $-16.49 | ||
| Q2 24 | $1.10 | $-12.49 | ||
| Q1 24 | $1.48 | $-0.35 |
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 | $4.0M |
| 总债务越低越好 | — | $642.8K |
| 股东权益账面价值 | $338.1M | $1.6M |
| 总资产 | $3.1B | $21.7M |
| 负债/权益比越低杠杆越低 | — | 0.41× |
8季度趋势，按日历期对齐
现金及短期投资CZFSLRHC
| Q4 25 | $34.3M | — | ||
| Q3 25 | $31.1M | $4.0M | ||
| Q2 25 | $49.5M | $5.1M | ||
| Q1 25 | $36.8M | $2.9M | ||
| Q4 24 | $42.2M | $1.4M | ||
| Q3 24 | $36.8M | $1.8M | ||
| Q2 24 | $38.4M | $1.6M | ||
| Q1 24 | $29.6M | $1.1M |
总债务CZFSLRHC
| Q4 25 | — | — | ||
| Q3 25 | — | $642.8K | ||
| Q2 25 | — | $644.3K | ||
| Q1 25 | — | $645.9K | ||
| Q4 24 | — | $647.6K | ||
| Q3 24 | — | $649.2K | ||
| Q2 24 | — | $650.8K | ||
| Q1 24 | — | $652.4K |
股东权益CZFSLRHC
| Q4 25 | $338.1M | — | ||
| Q3 25 | $327.7M | $1.6M | ||
| Q2 25 | $313.7M | $3.4M | ||
| Q1 25 | $308.3M | $-87.5M | ||
| Q4 24 | $299.7M | $2.6M | ||
| Q3 24 | $298.7M | $5.0M | ||
| Q2 24 | $286.5M | $4.7M | ||
| Q1 24 | $282.7M | $5.6M |
总资产CZFSLRHC
| Q4 25 | $3.1B | — | ||
| Q3 25 | $3.1B | $21.7M | ||
| Q2 25 | $3.0B | $22.9M | ||
| Q1 25 | $3.0B | $21.0M | ||
| Q4 24 | $3.0B | $19.4M | ||
| Q3 24 | $3.0B | $19.7M | ||
| Q2 24 | $2.9B | $18.7M | ||
| Q1 24 | $2.9B | $16.3M |
负债/权益比CZFSLRHC
| Q4 25 | — | — | ||
| Q3 25 | — | 0.41× | ||
| Q2 25 | — | 0.19× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.25× | ||
| Q3 24 | — | 0.13× | ||
| Q2 24 | — | 0.14× | ||
| Q1 24 | — | 0.12× |
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 | $-1.3M |
| 自由现金流经营现金流 - 资本支出 | $35.2M | — |
| 自由现金流率自由现金流/营收 | 119.0% | — |
| 资本支出强度资本支出/营收 | 4.4% | — |
| 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 | — |
8季度趋势，按日历期对齐
经营现金流CZFSLRHC
| Q4 25 | $36.5M | — | ||
| Q3 25 | $2.9M | $-1.3M | ||
| Q2 25 | $6.0M | $-1.4M | ||
| Q1 25 | $10.9M | $-3.5M | ||
| Q4 24 | $33.2M | $-1.1M | ||
| Q3 24 | $6.2M | $-591.6K | ||
| Q2 24 | $3.0M | $-803.1K | ||
| Q1 24 | $13.5M | $-538.3K |
自由现金流CZFSLRHC
| Q4 25 | $35.2M | — | ||
| Q3 25 | $2.7M | — | ||
| Q2 25 | $5.5M | — | ||
| Q1 25 | $10.4M | — | ||
| Q4 24 | $31.9M | — | ||
| Q3 24 | $5.6M | — | ||
| Q2 24 | $2.9M | — | ||
| Q1 24 | $13.4M | — |
自由现金流率CZFSLRHC
| Q4 25 | 119.0% | — | ||
| Q3 25 | 9.4% | — | ||
| Q2 25 | 20.1% | — | ||
| Q1 25 | 39.2% | — | ||
| Q4 24 | 121.6% | — | ||
| Q3 24 | 22.3% | — | ||
| Q2 24 | 11.8% | — | ||
| Q1 24 | 51.5% | — |
资本支出强度CZFSLRHC
| Q4 25 | 4.4% | — | ||
| Q3 25 | 0.5% | — | ||
| Q2 25 | 1.8% | — | ||
| Q1 25 | 2.2% | — | ||
| Q4 24 | 5.0% | — | ||
| Q3 24 | 2.5% | — | ||
| Q2 24 | 0.5% | — | ||
| Q1 24 | 0.4% | — |
现金转化率CZFSLRHC
| Q4 25 | 3.49× | — | ||
| Q3 25 | 0.29× | — | ||
| Q2 25 | 0.71× | -0.02× | ||
| Q1 25 | 1.44× | — | ||
| Q4 24 | 4.16× | — | ||
| Q3 24 | 0.83× | — | ||
| Q2 24 | 0.57× | — | ||
| 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
LRHC
| Real Estate Residential Brokerage Services | $16.8M | 83% |
| Transferred Over Time | $3.5M | 17% |
