vs
CITIZENS FINANCIAL SERVICES INC（CZFS）与R F INDUSTRIES LTD（RFIL）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R F INDUSTRIES LTD的1.3倍（$29.6M vs $22.7M），CITIZENS FINANCIAL SERVICES INC净利率更高（35.4% vs 0.8%，领先34.6%），R F INDUSTRIES LTD同比增速更快（22.9% vs 13.0%），CITIZENS FINANCIAL SERVICES INC自由现金流更多（$35.2M vs $2.0M），过去两年R F INDUSTRIES LTD的营收复合增速更高（29.8% 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。
妥思卷工业是一家总部位于美国伊利诺伊州芝加哥的糖果制造商，旗下最知名的产品包括同名的Tootsie Roll软糖以及Tootsie Pop棒棒糖，目前其品牌产品销往加拿大、墨西哥等全球超过75个国家。
CZFS vs RFIL — 直观对比
营收规模更大
CZFS
是对方的1.3倍
$22.7M
营收增速更快
RFIL
高出10.0%
13.0%
净利率更高
CZFS
高出34.6%
0.8%
自由现金流更多
CZFS
多$33.2M
$2.0M
两年增速更快
RFIL
近两年复合增速
6.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $29.6M | $22.7M |
| 净利润 | $10.5M | $173.0K |
| 毛利率 | — | 36.8% |
| 营业利润率 | 44.2% | 4.0% |
| 净利率 | 35.4% | 0.8% |
| 营收同比 | 13.0% | 22.9% |
| 净利润同比 | 31.3% | 172.7% |
| 每股收益（稀释后） | $2.17 | $0.01 |
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CZFSRFIL
| Q4 25 | $29.6M | $22.7M | ||
| Q3 25 | $29.0M | $19.8M | ||
| Q2 25 | $27.3M | $18.9M | ||
| Q1 25 | $26.4M | $19.2M | ||
| Q4 24 | $26.2M | $18.5M | ||
| Q3 24 | $25.1M | $16.8M | ||
| Q2 24 | $24.6M | $16.1M | ||
| Q1 24 | $25.9M | $13.5M |
净利润CZFSRFIL
| Q4 25 | $10.5M | $173.0K | ||
| Q3 25 | $10.0M | $392.0K | ||
| Q2 25 | $8.5M | $-245.0K | ||
| Q1 25 | $7.6M | $-245.0K | ||
| Q4 24 | $8.0M | $-238.0K | ||
| Q3 24 | $7.5M | $-705.0K | ||
| Q2 24 | $5.3M | $-4.3M | ||
| Q1 24 | $7.0M | $-1.4M |
毛利率CZFSRFIL
| Q4 25 | — | 36.8% | ||
| Q3 25 | — | 34.0% | ||
| Q2 25 | — | 31.5% | ||
| Q1 25 | — | 29.8% | ||
| Q4 24 | — | 31.3% | ||
| Q3 24 | — | 29.5% | ||
| Q2 24 | — | 29.9% | ||
| Q1 24 | — | 24.5% |
营业利润率CZFSRFIL
| Q4 25 | 44.2% | 4.0% | ||
| Q3 25 | 42.6% | 3.6% | ||
| Q2 25 | 38.1% | 0.6% | ||
| Q1 25 | 35.5% | 0.3% | ||
| Q4 24 | 37.2% | 0.5% | ||
| Q3 24 | 36.9% | -2.5% | ||
| Q2 24 | 25.9% | -2.6% | ||
| Q1 24 | 32.8% | -15.5% |
净利率CZFSRFIL
| Q4 25 | 35.4% | 0.8% | ||
| Q3 25 | 34.5% | 2.0% | ||
| Q2 25 | 31.0% | -1.3% | ||
| Q1 25 | 28.8% | -1.3% | ||
| Q4 24 | 30.5% | -1.3% | ||
| Q3 24 | 30.0% | -4.2% | ||
| Q2 24 | 21.4% | -26.7% | ||
| Q1 24 | 27.1% | -10.1% |
每股收益（稀释后）CZFSRFIL
| Q4 25 | $2.17 | $0.01 | ||
| Q3 25 | $2.09 | $0.04 | ||
| Q2 25 | $1.76 | $-0.02 | ||
| Q1 25 | $1.60 | $-0.02 | ||
| Q4 24 | $1.64 | $-0.02 | ||
| Q3 24 | $1.57 | $-0.07 | ||
| Q2 24 | $1.10 | $-0.41 | ||
| Q1 24 | $1.48 | $-0.13 |
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 | $5.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $338.1M | $35.2M |
| 总资产 | $3.1B | $73.0M |
| 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CZFSRFIL
| Q4 25 | $34.3M | $5.1M | ||
| Q3 25 | $31.1M | $3.0M | ||
| Q2 25 | $49.5M | $3.6M | ||
| Q1 25 | $36.8M | $1.3M | ||
| Q4 24 | $42.2M | $839.0K | ||
| Q3 24 | $36.8M | $1.8M | ||
| Q2 24 | $38.4M | $1.4M | ||
| Q1 24 | $29.6M | $4.5M |
股东权益CZFSRFIL
| Q4 25 | $338.1M | $35.2M | ||
| Q3 25 | $327.7M | $34.8M | ||
| Q2 25 | $313.7M | $34.2M | ||
| Q1 25 | $308.3M | $34.2M | ||
| Q4 24 | $299.7M | $34.1M | ||
| Q3 24 | $298.7M | $34.1M | ||
| Q2 24 | $286.5M | $34.6M | ||
| Q1 24 | $282.7M | $38.7M |
总资产CZFSRFIL
| Q4 25 | $3.1B | $73.0M | ||
| Q3 25 | $3.1B | $73.2M | ||
| Q2 25 | $3.0B | $72.7M | ||
| Q1 25 | $3.0B | $70.4M | ||
| Q4 24 | $3.0B | $71.0M | ||
| Q3 24 | $3.0B | $71.9M | ||
| Q2 24 | $2.9B | $72.8M | ||
| Q1 24 | $2.9B | $79.1M |
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 | $2.1M |
| 自由现金流经营现金流 - 资本支出 | $35.2M | $2.0M |
| 自由现金流率自由现金流/营收 | 119.0% | 9.0% |
| 资本支出强度资本支出/营收 | 4.4% | 0.3% |
| 现金转化率经营现金流/净利润 | 3.49× | 12.13× |
| 过去12个月自由现金流最近4个季度 | $53.8M | $4.3M |
8季度趋势，按日历期对齐
经营现金流CZFSRFIL
| Q4 25 | $36.5M | $2.1M | ||
| Q3 25 | $2.9M | $-311.0K | ||
| Q2 25 | $6.0M | $2.2M | ||
| Q1 25 | $10.9M | $601.0K | ||
| Q4 24 | $33.2M | $-244.0K | ||
| Q3 24 | $6.2M | $2.4M | ||
| Q2 24 | $3.0M | $197.0K | ||
| Q1 24 | $13.5M | $840.0K |
自由现金流CZFSRFIL
| Q4 25 | $35.2M | $2.0M | ||
| Q3 25 | $2.7M | $-419.0K | ||
| Q2 25 | $5.5M | $2.2M | ||
| Q1 25 | $10.4M | $574.0K | ||
| Q4 24 | $31.9M | $-418.0K | ||
| Q3 24 | $5.6M | $2.1M | ||
| Q2 24 | $2.9M | $28.0K | ||
| Q1 24 | $13.4M | $697.0K |
自由现金流率CZFSRFIL
| Q4 25 | 119.0% | 9.0% | ||
| Q3 25 | 9.4% | -2.1% | ||
| Q2 25 | 20.1% | 11.4% | ||
| Q1 25 | 39.2% | 3.0% | ||
| Q4 24 | 121.6% | -2.3% | ||
| Q3 24 | 22.3% | 12.6% | ||
| Q2 24 | 11.8% | 0.2% | ||
| Q1 24 | 51.5% | 5.2% |
资本支出强度CZFSRFIL
| Q4 25 | 4.4% | 0.3% | ||
| Q3 25 | 0.5% | 0.5% | ||
| Q2 25 | 1.8% | 0.2% | ||
| Q1 25 | 2.2% | 0.1% | ||
| Q4 24 | 5.0% | 0.9% | ||
| Q3 24 | 2.5% | 1.5% | ||
| Q2 24 | 0.5% | 1.0% | ||
| Q1 24 | 0.4% | 1.1% |
现金转化率CZFSRFIL
| Q4 25 | 3.49× | 12.13× | ||
| Q3 25 | 0.29× | -0.79× | ||
| Q2 25 | 0.71× | — | ||
| 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
RFIL
| US | $20.9M | 92% |
| Non Us | $1.8M | 8% |
