vs
CITIZENS FINANCIAL SERVICES INC（CZFS）与RBB Bancorp（RBB）财务数据对比。点击上方公司名可切换其他公司
RBB Bancorp的季度营收约是CITIZENS FINANCIAL SERVICES INC的1.1倍（$32.3M vs $29.6M），CITIZENS FINANCIAL SERVICES INC净利率更高（35.4% vs 31.5%，领先3.9%），CITIZENS FINANCIAL SERVICES INC同比增速更快（13.0% vs 12.6%），RBB Bancorp自由现金流更多（$42.6M vs $35.2M），过去两年RBB Bancorp的营收复合增速更高（7.0% 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。
RBB银行控股公司是总部位于美国的金融控股集团，旗下核心主体为皇家商业银行，主要服务亚裔社群、中小微企业、不动产投资者及零售客户，提供商业信贷、储蓄存款、财富管理等多元金融服务，业务覆盖美国沿海核心都会区。
CZFS vs RBB — 直观对比
营收规模更大
RBB
是对方的1.1倍
$29.6M
营收增速更快
CZFS
高出0.4%
12.6%
净利率更高
CZFS
高出3.9%
31.5%
自由现金流更多
RBB
多$7.4M
$35.2M
两年增速更快
RBB
近两年复合增速
6.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $29.6M | $32.3M |
| 净利润 | $10.5M | $10.2M |
| 毛利率 | — | — |
| 营业利润率 | 44.2% | 39.5% |
| 净利率 | 35.4% | 31.5% |
| 营收同比 | 13.0% | 12.6% |
| 净利润同比 | 31.3% | 132.1% |
| 每股收益（稀释后） | $2.17 | $0.59 |
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CZFSRBB
| Q4 25 | $29.6M | $32.3M | ||
| Q3 25 | $29.0M | $32.6M | ||
| Q2 25 | $27.3M | $35.8M | ||
| Q1 25 | $26.4M | $28.5M | ||
| Q4 24 | $26.2M | $28.7M | ||
| Q3 24 | $25.1M | $30.3M | ||
| Q2 24 | $24.6M | $27.5M | ||
| Q1 24 | $25.9M | $28.2M |
净利润CZFSRBB
| Q4 25 | $10.5M | $10.2M | ||
| Q3 25 | $10.0M | $10.1M | ||
| Q2 25 | $8.5M | $9.3M | ||
| Q1 25 | $7.6M | $2.3M | ||
| Q4 24 | $8.0M | $4.4M | ||
| Q3 24 | $7.5M | $7.0M | ||
| Q2 24 | $5.3M | $7.2M | ||
| Q1 24 | $7.0M | $8.0M |
营业利润率CZFSRBB
| Q4 25 | 44.2% | 39.5% | ||
| Q3 25 | 42.6% | 40.7% | ||
| Q2 25 | 38.1% | 36.1% | ||
| Q1 25 | 35.5% | 11.2% | ||
| Q4 24 | 37.2% | 17.6% | ||
| Q3 24 | 36.9% | 31.6% | ||
| Q2 24 | 25.9% | 35.6% | ||
| Q1 24 | 32.8% | 39.9% |
净利率CZFSRBB
| Q4 25 | 35.4% | 31.5% | ||
| Q3 25 | 34.5% | 31.2% | ||
| Q2 25 | 31.0% | 26.1% | ||
| Q1 25 | 28.8% | 8.0% | ||
| Q4 24 | 30.5% | 15.3% | ||
| Q3 24 | 30.0% | 23.1% | ||
| Q2 24 | 21.4% | 26.4% | ||
| Q1 24 | 27.1% | 28.4% |
每股收益（稀释后）CZFSRBB
| Q4 25 | $2.17 | $0.59 | ||
| Q3 25 | $2.09 | $0.59 | ||
| Q2 25 | $1.76 | $0.52 | ||
| Q1 25 | $1.60 | $0.13 | ||
| Q4 24 | $1.64 | $0.26 | ||
| Q3 24 | $1.57 | $0.39 | ||
| Q2 24 | $1.10 | $0.39 | ||
| Q1 24 | $1.48 | $0.43 |
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 | $212.3M |
| 总债务越低越好 | — | $119.9M |
| 股东权益账面价值 | $338.1M | $523.4M |
| 总资产 | $3.1B | $4.2B |
| 负债/权益比越低杠杆越低 | — | 0.23× |
8季度趋势，按日历期对齐
现金及短期投资CZFSRBB
| Q4 25 | $34.3M | $212.3M | ||
| Q3 25 | $31.1M | $234.9M | ||
| Q2 25 | $49.5M | $191.9M | ||
| Q1 25 | $36.8M | $238.8M | ||
| Q4 24 | $42.2M | $257.7M | ||
| Q3 24 | $36.8M | $349.4M | ||
| Q2 24 | $38.4M | $252.8M | ||
| Q1 24 | $29.6M | — |
总债务CZFSRBB
| Q4 25 | — | $119.9M | ||
| Q3 25 | — | $119.8M | ||
| Q2 25 | — | $119.7M | ||
| Q1 25 | — | $119.6M | ||
| Q4 24 | — | $119.5M | ||
| Q3 24 | — | $119.4M | ||
| Q2 24 | — | $119.3M | ||
| Q1 24 | — | $119.2M |
股东权益CZFSRBB
| Q4 25 | $338.1M | $523.4M | ||
| Q3 25 | $327.7M | $514.3M | ||
| Q2 25 | $313.7M | $517.7M | ||
| Q1 25 | $308.3M | $510.3M | ||
| Q4 24 | $299.7M | $507.9M | ||
| Q3 24 | $298.7M | $509.7M | ||
| Q2 24 | $286.5M | $511.3M | ||
| Q1 24 | $282.7M | $514.0M |
总资产CZFSRBB
| Q4 25 | $3.1B | $4.2B | ||
| Q3 25 | $3.1B | $4.2B | ||
| Q2 25 | $3.0B | $4.1B | ||
| Q1 25 | $3.0B | $4.0B | ||
| Q4 24 | $3.0B | $4.0B | ||
| Q3 24 | $3.0B | $4.0B | ||
| Q2 24 | $2.9B | $3.9B | ||
| Q1 24 | $2.9B | $3.9B |
负债/权益比CZFSRBB
| Q4 25 | — | 0.23× | ||
| Q3 25 | — | 0.23× | ||
| Q2 25 | — | 0.23× | ||
| Q1 25 | — | 0.23× | ||
| Q4 24 | — | 0.24× | ||
| Q3 24 | — | 0.23× | ||
| Q2 24 | — | 0.23× | ||
| Q1 24 | — | 0.23× |
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 | $43.4M |
| 自由现金流经营现金流 - 资本支出 | $35.2M | $42.6M |
| 自由现金流率自由现金流/营收 | 119.0% | 131.8% |
| 资本支出强度资本支出/营收 | 4.4% | 2.5% |
| 现金转化率经营现金流/净利润 | 3.49× | 4.26× |
| 过去12个月自由现金流最近4个季度 | $53.8M | $73.5M |
8季度趋势，按日历期对齐
经营现金流CZFSRBB
| Q4 25 | $36.5M | $43.4M | ||
| Q3 25 | $2.9M | $2.1M | ||
| Q2 25 | $6.0M | $21.7M | ||
| Q1 25 | $10.9M | $7.8M | ||
| Q4 24 | $33.2M | $58.5M | ||
| Q3 24 | $6.2M | $24.5M | ||
| Q2 24 | $3.0M | $11.7M | ||
| Q1 24 | $13.5M | $4.8M |
自由现金流CZFSRBB
| Q4 25 | $35.2M | $42.6M | ||
| Q3 25 | $2.7M | $1.8M | ||
| Q2 25 | $5.5M | $21.6M | ||
| Q1 25 | $10.4M | $7.6M | ||
| Q4 24 | $31.9M | $57.7M | ||
| Q3 24 | $5.6M | $24.2M | ||
| Q2 24 | $2.9M | $11.5M | ||
| Q1 24 | $13.4M | $4.7M |
自由现金流率CZFSRBB
| Q4 25 | 119.0% | 131.8% | ||
| Q3 25 | 9.4% | 5.4% | ||
| Q2 25 | 20.1% | 60.2% | ||
| Q1 25 | 39.2% | 26.7% | ||
| Q4 24 | 121.6% | 201.0% | ||
| Q3 24 | 22.3% | 80.0% | ||
| Q2 24 | 11.8% | 42.0% | ||
| Q1 24 | 51.5% | 16.6% |
资本支出强度CZFSRBB
| Q4 25 | 4.4% | 2.5% | ||
| Q3 25 | 0.5% | 1.1% | ||
| Q2 25 | 1.8% | 0.3% | ||
| Q1 25 | 2.2% | 0.6% | ||
| Q4 24 | 5.0% | 2.7% | ||
| Q3 24 | 2.5% | 0.8% | ||
| Q2 24 | 0.5% | 0.5% | ||
| Q1 24 | 0.4% | 0.5% |
现金转化率CZFSRBB
| Q4 25 | 3.49× | 4.26× | ||
| Q3 25 | 0.29× | 0.21× | ||
| Q2 25 | 0.71× | 2.32× | ||
| Q1 25 | 1.44× | 3.39× | ||
| Q4 24 | 4.16× | 13.34× | ||
| Q3 24 | 0.83× | 3.50× | ||
| Q2 24 | 0.57× | 1.61× | ||
| Q1 24 | 1.92× | 0.60× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
