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CITIZENS FINANCIAL SERVICES INC（CZFS）与PRO DEX INC（PDEX）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PRO DEX INC的1.6倍（$29.6M vs $18.7M），CITIZENS FINANCIAL SERVICES INC净利率更高（35.4% vs 11.7%，领先23.7%），CITIZENS FINANCIAL SERVICES INC同比增速更快（13.0% vs 11.1%），CITIZENS FINANCIAL SERVICES INC自由现金流更多（$35.2M vs $3.5M），过去两年PRO DEX INC的营收复合增速更高（14.3% 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。
Pro Dex Inc是一家精密制造企业，主要为医疗设备原始设备制造商以及航空航天、工业领域客户生产定制机加工部件、组件和成品，核心运营市场覆盖北美地区。
CZFS vs PDEX — 直观对比
营收规模更大
CZFS
是对方的1.6倍
$18.7M
营收增速更快
CZFS
高出1.8%
11.1%
净利率更高
CZFS
高出23.7%
11.7%
自由现金流更多
CZFS
多$31.7M
$3.5M
两年增速更快
PDEX
近两年复合增速
6.9%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $29.6M | $18.7M |
| 净利润 | $10.5M | $2.2M |
| 毛利率 | — | 30.8% |
| 营业利润率 | 44.2% | 17.5% |
| 净利率 | 35.4% | 11.7% |
| 营收同比 | 13.0% | 11.1% |
| 净利润同比 | 31.3% | 7.2% |
| 每股收益（稀释后） | $2.17 | $0.66 |
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CZFSPDEX
| Q4 25 | $29.6M | $18.7M | ||
| Q3 25 | $29.0M | $18.5M | ||
| Q2 25 | $27.3M | $17.5M | ||
| Q1 25 | $26.4M | $17.4M | ||
| Q4 24 | $26.2M | $16.8M | ||
| Q3 24 | $25.1M | $14.9M | ||
| Q2 24 | $24.6M | $15.0M | ||
| Q1 24 | $25.9M | $14.3M |
净利润CZFSPDEX
| Q4 25 | $10.5M | $2.2M | ||
| Q3 25 | $10.0M | $4.7M | ||
| Q2 25 | $8.5M | $1.2M | ||
| Q1 25 | $7.6M | $3.3M | ||
| Q4 24 | $8.0M | $2.0M | ||
| Q3 24 | $7.5M | $2.5M | ||
| Q2 24 | $5.3M | $1.6M | ||
| Q1 24 | $7.0M | $655.0K |
毛利率CZFSPDEX
| Q4 25 | — | 30.8% | ||
| Q3 25 | — | 29.0% | ||
| Q2 25 | — | 19.9% | ||
| Q1 25 | — | 33.3% | ||
| Q4 24 | — | 30.2% | ||
| Q3 24 | — | 34.6% | ||
| Q2 24 | — | 27.2% | ||
| Q1 24 | — | 28.0% |
营业利润率CZFSPDEX
| Q4 25 | 44.2% | 17.5% | ||
| Q3 25 | 42.6% | 16.8% | ||
| Q2 25 | 38.1% | 7.7% | ||
| Q1 25 | 35.5% | 20.9% | ||
| Q4 24 | 37.2% | 16.0% | ||
| Q3 24 | 36.9% | 20.2% | ||
| Q2 24 | 25.9% | 15.6% | ||
| Q1 24 | 32.8% | 15.5% |
净利率CZFSPDEX
| Q4 25 | 35.4% | 11.7% | ||
| Q3 25 | 34.5% | 25.3% | ||
| Q2 25 | 31.0% | 6.8% | ||
| Q1 25 | 28.8% | 18.8% | ||
| Q4 24 | 30.5% | 12.1% | ||
| Q3 24 | 30.0% | 16.6% | ||
| Q2 24 | 21.4% | 10.6% | ||
| Q1 24 | 27.1% | 4.6% |
每股收益（稀释后）CZFSPDEX
| Q4 25 | $2.17 | $0.66 | ||
| Q3 25 | $2.09 | $1.40 | ||
| Q2 25 | $1.76 | $0.33 | ||
| Q1 25 | $1.60 | $0.98 | ||
| Q4 24 | $1.64 | $0.61 | ||
| Q3 24 | $1.57 | $0.75 | ||
| Q2 24 | $1.10 | $0.44 | ||
| Q1 24 | $1.48 | $0.19 |
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 | $6.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $338.1M | $41.6M |
| 总资产 | $3.1B | $62.3M |
| 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CZFSPDEX
| Q4 25 | $34.3M | $6.1M | ||
| Q3 25 | $31.1M | $10.1M | ||
| Q2 25 | $49.5M | $6.8M | ||
| Q1 25 | $36.8M | $5.5M | ||
| Q4 24 | $42.2M | $4.7M | ||
| Q3 24 | $36.8M | $7.8M | ||
| Q2 24 | $38.4M | $6.8M | ||
| Q1 24 | $29.6M | $7.8M |
总债务CZFSPDEX
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $15.4M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $12.0M | ||
| Q1 24 | — | — |
股东权益CZFSPDEX
| Q4 25 | $338.1M | $41.6M | ||
| Q3 25 | $327.7M | $41.5M | ||
| Q2 25 | $313.7M | $36.6M | ||
| Q1 25 | $308.3M | $35.3M | ||
| Q4 24 | $299.7M | $31.8M | ||
| Q3 24 | $298.7M | $30.9M | ||
| Q2 24 | $286.5M | $30.9M | ||
| Q1 24 | $282.7M | $30.9M |
总资产CZFSPDEX
| Q4 25 | $3.1B | $62.3M | ||
| Q3 25 | $3.1B | $64.3M | ||
| Q2 25 | $3.0B | $61.2M | ||
| Q1 25 | $3.0B | $64.3M | ||
| Q4 24 | $3.0B | $60.4M | ||
| Q3 24 | $3.0B | $54.3M | ||
| Q2 24 | $2.9B | $52.5M | ||
| Q1 24 | $2.9B | $50.5M |
负债/权益比CZFSPDEX
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 0.42× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 0.39× | ||
| Q1 24 | — | — |
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 | $3.6M |
| 自由现金流经营现金流 - 资本支出 | $35.2M | $3.5M |
| 自由现金流率自由现金流/营收 | 119.0% | 18.8% |
| 资本支出强度资本支出/营收 | 4.4% | 0.4% |
| 现金转化率经营现金流/净利润 | 3.49× | 1.63× |
| 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CZFSPDEX
| Q4 25 | $36.5M | $3.6M | ||
| Q3 25 | $2.9M | $2.3M | ||
| Q2 25 | $6.0M | $-173.0K | ||
| Q1 25 | $10.9M | $754.0K | ||
| Q4 24 | $33.2M | $-4.2M | ||
| Q3 24 | $6.2M | $1.9M | ||
| Q2 24 | $3.0M | $1.0M | ||
| Q1 24 | $13.5M | $4.1M |
自由现金流CZFSPDEX
| Q4 25 | $35.2M | $3.5M | ||
| Q3 25 | $2.7M | $2.2M | ||
| Q2 25 | $5.5M | — | ||
| Q1 25 | $10.4M | $574.0K | ||
| Q4 24 | $31.9M | $-4.7M | ||
| Q3 24 | $5.6M | $1.5M | ||
| Q2 24 | $2.9M | — | ||
| Q1 24 | $13.4M | $4.0M |
自由现金流率CZFSPDEX
| Q4 25 | 119.0% | 18.8% | ||
| Q3 25 | 9.4% | 11.9% | ||
| Q2 25 | 20.1% | — | ||
| Q1 25 | 39.2% | 3.3% | ||
| Q4 24 | 121.6% | -27.9% | ||
| Q3 24 | 22.3% | 9.8% | ||
| Q2 24 | 11.8% | — | ||
| Q1 24 | 51.5% | 27.7% |
资本支出强度CZFSPDEX
| Q4 25 | 4.4% | 0.4% | ||
| Q3 25 | 0.5% | 0.5% | ||
| Q2 25 | 1.8% | — | ||
| Q1 25 | 2.2% | 1.0% | ||
| Q4 24 | 5.0% | 3.2% | ||
| Q3 24 | 2.5% | 2.9% | ||
| Q2 24 | 0.5% | — | ||
| Q1 24 | 0.4% | 0.8% |
现金转化率CZFSPDEX
| Q4 25 | 3.49× | 1.63× | ||
| Q3 25 | 0.29× | 0.49× | ||
| Q2 25 | 0.71× | -0.14× | ||
| Q1 25 | 1.44× | 0.23× | ||
| Q4 24 | 4.16× | -2.03× | ||
| Q3 24 | 0.83× | 0.77× | ||
| Q2 24 | 0.57× | 0.66× | ||
| Q1 24 | 1.92× | 6.22× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
