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CITIZENS FINANCIAL SERVICES INC（CZFS）与PCB BANCORP（PCB）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PCB BANCORP的1.0倍（$29.6M vs $29.2M），CITIZENS FINANCIAL SERVICES INC同比增速更快（13.0% vs 11.3%），CITIZENS FINANCIAL SERVICES INC自由现金流更多（$35.2M vs $24.4M），过去两年PCB BANCORP的营收复合增速更高（10.4% 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。
PCB BANCORP旗下的PCB银行是一家总部位于加利福尼亚州的美国社区银行，主要服务韩裔美国社群，提供商业银行服务，目前在全美8个州设有分支机构，规模在韩资背景美国银行中位列第三，仅次于希望银行与韩美银行。
CZFS vs PCB — 直观对比
营收规模更大
CZFS
是对方的1.0倍
$29.2M
营收增速更快
CZFS
高出1.6%
11.3%
自由现金流更多
CZFS
多$10.8M
$24.4M
两年增速更快
PCB
近两年复合增速
6.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $29.6M | $29.2M |
| 净利润 | $10.5M | — |
| 毛利率 | — | — |
| 营业利润率 | 44.2% | 45.0% |
| 净利率 | 35.4% | — |
| 营收同比 | 13.0% | 11.3% |
| 净利润同比 | 31.3% | — |
| 每股收益（稀释后） | $2.17 | $0.65 |
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CZFSPCB
| Q4 25 | $29.6M | $29.2M | ||
| Q3 25 | $29.0M | $30.4M | ||
| Q2 25 | $27.3M | $29.3M | ||
| Q1 25 | $26.4M | $26.9M | ||
| Q4 24 | $26.2M | $26.2M | ||
| Q3 24 | $25.1M | $25.3M | ||
| Q2 24 | $24.6M | $24.2M | ||
| Q1 24 | $25.9M | $23.9M |
净利润CZFSPCB
| Q4 25 | $10.5M | — | ||
| Q3 25 | $10.0M | $11.4M | ||
| Q2 25 | $8.5M | $9.1M | ||
| Q1 25 | $7.6M | $7.7M | ||
| Q4 24 | $8.0M | — | ||
| Q3 24 | $7.5M | $7.8M | ||
| Q2 24 | $5.3M | $6.3M | ||
| Q1 24 | $7.0M | $4.7M |
营业利润率CZFSPCB
| Q4 25 | 44.2% | 45.0% | ||
| Q3 25 | 42.6% | 52.3% | ||
| Q2 25 | 38.1% | 43.3% | ||
| Q1 25 | 35.5% | 40.2% | ||
| Q4 24 | 37.2% | 39.3% | ||
| Q3 24 | 36.9% | 42.2% | ||
| Q2 24 | 25.9% | 36.3% | ||
| Q1 24 | 32.8% | 27.2% |
净利率CZFSPCB
| Q4 25 | 35.4% | — | ||
| Q3 25 | 34.5% | 37.5% | ||
| Q2 25 | 31.0% | 31.0% | ||
| Q1 25 | 28.8% | 28.8% | ||
| Q4 24 | 30.5% | — | ||
| Q3 24 | 30.0% | 30.8% | ||
| Q2 24 | 21.4% | 25.9% | ||
| Q1 24 | 27.1% | 19.6% |
每股收益（稀释后）CZFSPCB
| Q4 25 | $2.17 | $0.65 | ||
| Q3 25 | $2.09 | $0.78 | ||
| Q2 25 | $1.76 | $0.62 | ||
| Q1 25 | $1.60 | $0.53 | ||
| Q4 24 | $1.64 | $0.46 | ||
| Q3 24 | $1.57 | $0.52 | ||
| Q2 24 | $1.10 | $0.43 | ||
| Q1 24 | $1.48 | $0.33 |
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 | $207.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $338.1M | $390.0M |
| 总资产 | $3.1B | $3.3B |
| 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CZFSPCB
| Q4 25 | $34.3M | $207.1M | ||
| Q3 25 | $31.1M | $369.5M | ||
| Q2 25 | $49.5M | $263.6M | ||
| Q1 25 | $36.8M | $214.3M | ||
| Q4 24 | $42.2M | $198.8M | ||
| Q3 24 | $36.8M | $193.1M | ||
| Q2 24 | $38.4M | $177.6M | ||
| Q1 24 | $29.6M | $239.8M |
股东权益CZFSPCB
| Q4 25 | $338.1M | $390.0M | ||
| Q3 25 | $327.7M | $384.5M | ||
| Q2 25 | $313.7M | $376.5M | ||
| Q1 25 | $308.3M | $370.9M | ||
| Q4 24 | $299.7M | $363.8M | ||
| Q3 24 | $298.7M | $362.3M | ||
| Q2 24 | $286.5M | $353.5M | ||
| Q1 24 | $282.7M | $350.0M |
总资产CZFSPCB
| Q4 25 | $3.1B | $3.3B | ||
| Q3 25 | $3.1B | $3.4B | ||
| Q2 25 | $3.0B | $3.3B | ||
| Q1 25 | $3.0B | $3.2B | ||
| Q4 24 | $3.0B | $3.1B | ||
| Q3 24 | $3.0B | $2.9B | ||
| Q2 24 | $2.9B | $2.9B | ||
| Q1 24 | $2.9B | $2.9B |
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 | $26.6M |
| 自由现金流经营现金流 - 资本支出 | $35.2M | $24.4M |
| 自由现金流率自由现金流/营收 | 119.0% | 83.6% |
| 资本支出强度资本支出/营收 | 4.4% | 7.5% |
| 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 | $46.0M |
8季度趋势，按日历期对齐
经营现金流CZFSPCB
| Q4 25 | $36.5M | $26.6M | ||
| Q3 25 | $2.9M | $16.4M | ||
| Q2 25 | $6.0M | $4.9M | ||
| Q1 25 | $10.9M | $2.3M | ||
| Q4 24 | $33.2M | $39.0M | ||
| Q3 24 | $6.2M | $11.9M | ||
| Q2 24 | $3.0M | $14.6M | ||
| Q1 24 | $13.5M | $8.2M |
自由现金流CZFSPCB
| Q4 25 | $35.2M | $24.4M | ||
| Q3 25 | $2.7M | $16.2M | ||
| Q2 25 | $5.5M | $3.8M | ||
| Q1 25 | $10.4M | $1.6M | ||
| Q4 24 | $31.9M | $34.9M | ||
| Q3 24 | $5.6M | $11.9M | ||
| Q2 24 | $2.9M | $12.8M | ||
| Q1 24 | $13.4M | $6.0M |
自由现金流率CZFSPCB
| Q4 25 | 119.0% | 83.6% | ||
| Q3 25 | 9.4% | 53.2% | ||
| Q2 25 | 20.1% | 13.1% | ||
| Q1 25 | 39.2% | 6.0% | ||
| Q4 24 | 121.6% | 133.2% | ||
| Q3 24 | 22.3% | 46.8% | ||
| Q2 24 | 11.8% | 53.1% | ||
| Q1 24 | 51.5% | 25.2% |
资本支出强度CZFSPCB
| Q4 25 | 4.4% | 7.5% | ||
| Q3 25 | 0.5% | 0.8% | ||
| Q2 25 | 1.8% | 3.7% | ||
| Q1 25 | 2.2% | 2.8% | ||
| Q4 24 | 5.0% | 15.5% | ||
| Q3 24 | 2.5% | 0.1% | ||
| Q2 24 | 0.5% | 7.3% | ||
| Q1 24 | 0.4% | 9.3% |
现金转化率CZFSPCB
| Q4 25 | 3.49× | — | ||
| Q3 25 | 0.29× | 1.44× | ||
| Q2 25 | 0.71× | 0.54× | ||
| Q1 25 | 1.44× | 0.30× | ||
| Q4 24 | 4.16× | — | ||
| Q3 24 | 0.83× | 1.52× | ||
| Q2 24 | 0.57× | 2.33× | ||
| Q1 24 | 1.92× | 1.76× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
