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CITIZENS FINANCIAL SERVICES INC（CZFS）与Maison Solutions Inc.（MSS）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Maison Solutions Inc.的1.1倍（$29.6M vs $27.6M），CITIZENS FINANCIAL SERVICES INC净利率更高（35.4% vs -18.0%，领先53.4%），CITIZENS FINANCIAL SERVICES INC同比增速更快（13.0% vs -10.9%），过去两年Maison Solutions Inc.的营收复合增速更高（42.5% 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。
Maison Solutions Inc.是一家专注于家居零售的企业，主要运营市场位于中国粤港澳大湾区，面向大众消费者提供高性价比的时尚家具、家居装饰用品及日常家用百货，同时布局线下实体门店与线上电商销售渠道。
CZFS vs MSS — 直观对比
营收规模更大
CZFS
是对方的1.1倍
$27.6M
营收增速更快
CZFS
高出23.9%
-10.9%
净利率更高
CZFS
高出53.4%
-18.0%
两年增速更快
MSS
近两年复合增速
6.9%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $29.6M | $27.6M |
| 净利润 | $10.5M | $-5.0M |
| 毛利率 | — | 23.4% |
| 营业利润率 | 44.2% | -4.9% |
| 净利率 | 35.4% | -18.0% |
| 营收同比 | 13.0% | -10.9% |
| 净利润同比 | 31.3% | -1840.5% |
| 每股收益（稀释后） | $2.17 | $-0.23 |
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CZFSMSS
| Q4 25 | $29.6M | $27.6M | ||
| Q3 25 | $29.0M | $27.2M | ||
| Q2 25 | $27.3M | $34.4M | ||
| Q1 25 | $26.4M | $32.3M | ||
| Q4 24 | $26.2M | $29.4M | ||
| Q3 24 | $25.1M | $28.2M | ||
| Q2 24 | $24.6M | $16.9M | ||
| Q1 24 | $25.9M | $13.6M |
净利润CZFSMSS
| Q4 25 | $10.5M | $-5.0M | ||
| Q3 25 | $10.0M | $-1.5M | ||
| Q2 25 | $8.5M | $-287.4K | ||
| Q1 25 | $7.6M | $1.0M | ||
| Q4 24 | $8.0M | $-256.0K | ||
| Q3 24 | $7.5M | $700.9K | ||
| Q2 24 | $5.3M | $-2.8M | ||
| Q1 24 | $7.0M | $-549.0K |
毛利率CZFSMSS
| Q4 25 | — | 23.4% | ||
| Q3 25 | — | 24.1% | ||
| Q2 25 | — | 9.5% | ||
| Q1 25 | — | 21.8% | ||
| Q4 24 | — | 26.9% | ||
| Q3 24 | — | 28.9% | ||
| Q2 24 | — | 13.0% | ||
| Q1 24 | — | 23.4% |
营业利润率CZFSMSS
| Q4 25 | 44.2% | -4.9% | ||
| Q3 25 | 42.6% | 0.7% | ||
| Q2 25 | 38.1% | -15.9% | ||
| Q1 25 | 35.5% | 3.7% | ||
| Q4 24 | 37.2% | 3.2% | ||
| Q3 24 | 36.9% | 7.3% | ||
| Q2 24 | 25.9% | -14.4% | ||
| Q1 24 | 32.8% | -2.3% |
净利率CZFSMSS
| Q4 25 | 35.4% | -18.0% | ||
| Q3 25 | 34.5% | -5.7% | ||
| Q2 25 | 31.0% | -0.8% | ||
| Q1 25 | 28.8% | 3.1% | ||
| Q4 24 | 30.5% | -0.9% | ||
| Q3 24 | 30.0% | 2.5% | ||
| Q2 24 | 21.4% | -16.4% | ||
| Q1 24 | 27.1% | -4.0% |
每股收益（稀释后）CZFSMSS
| Q4 25 | $2.17 | $-0.23 | ||
| Q3 25 | $2.09 | $-0.08 | ||
| Q2 25 | $1.76 | $-0.02 | ||
| Q1 25 | $1.60 | $0.06 | ||
| Q4 24 | $1.64 | $-0.01 | ||
| Q3 24 | $1.57 | $0.04 | ||
| Q2 24 | $1.10 | $-0.16 | ||
| Q1 24 | $1.48 | $-0.03 |
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 | — |
| 总债务越低越好 | — | $2.6M |
| 股东权益账面价值 | $338.1M | $11.6M |
| 总资产 | $3.1B | $75.4M |
| 负债/权益比越低杠杆越低 | — | 0.22× |
8季度趋势，按日历期对齐
现金及短期投资CZFSMSS
| Q4 25 | $34.3M | — | ||
| Q3 25 | $31.1M | $1.1M | ||
| Q2 25 | $49.5M | $775.4K | ||
| Q1 25 | $36.8M | $445.4K | ||
| Q4 24 | $42.2M | $355.7K | ||
| Q3 24 | $36.8M | $588.9K | ||
| Q2 24 | $38.4M | $2.1M | ||
| Q1 24 | $29.6M | $9.4M |
总债务CZFSMSS
| Q4 25 | — | $2.6M | ||
| Q3 25 | — | $2.6M | ||
| Q2 25 | — | $2.6M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $2.5M | ||
| Q2 24 | — | $2.6M | ||
| Q1 24 | — | $2.6M |
股东权益CZFSMSS
| Q4 25 | $338.1M | $11.6M | ||
| Q3 25 | $327.7M | $10.1M | ||
| Q2 25 | $313.7M | $11.7M | ||
| Q1 25 | $308.3M | $12.0M | ||
| Q4 24 | $299.7M | $10.9M | ||
| Q3 24 | $298.7M | $11.2M | ||
| Q2 24 | $286.5M | $10.5M | ||
| Q1 24 | $282.7M | $13.3M |
总资产CZFSMSS
| Q4 25 | $3.1B | $75.4M | ||
| Q3 25 | $3.1B | $73.3M | ||
| Q2 25 | $3.0B | $77.4M | ||
| Q1 25 | $3.0B | $82.7M | ||
| Q4 24 | $3.0B | $82.7M | ||
| Q3 24 | $3.0B | $82.1M | ||
| Q2 24 | $2.9B | $82.4M | ||
| Q1 24 | $2.9B | $44.2M |
负债/权益比CZFSMSS
| Q4 25 | — | 0.22× | ||
| Q3 25 | — | 0.26× | ||
| Q2 25 | — | 0.22× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.23× | ||
| Q2 24 | — | 0.24× | ||
| Q1 24 | — | 0.19× |
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 | $-1.7M |
| 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CZFSMSS
| Q4 25 | $36.5M | $-1.7M | ||
| Q3 25 | $2.9M | $1.1M | ||
| Q2 25 | $6.0M | $-1.6M | ||
| Q1 25 | $10.9M | $1.7M | ||
| Q4 24 | $33.2M | $1.1M | ||
| Q3 24 | $6.2M | $3.6M | ||
| Q2 24 | $3.0M | $-2.6M | ||
| Q1 24 | $13.5M | $-1.4M |
自由现金流CZFSMSS
| 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CZFSMSS
| 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CZFSMSS
| 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CZFSMSS
| Q4 25 | 3.49× | — | ||
| Q3 25 | 0.29× | — | ||
| Q2 25 | 0.71× | — | ||
| Q1 25 | 1.44× | 1.66× | ||
| Q4 24 | 4.16× | — | ||
| Q3 24 | 0.83× | 5.12× | ||
| 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
MSS
| Perishables | $14.4M | 52% |
| Nonperishables | $13.2M | 48% |
