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CITIZENS FINANCIAL SERVICES INC（CZFS）与Sol-Gel Technologies Ltd.（SLGL）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Sol-Gel Technologies Ltd.的1.7倍（$29.6M vs $17.3M），Sol-Gel Technologies Ltd.净利率更高（67.3% vs 35.4%，领先31.9%），Sol-Gel Technologies Ltd.同比增速更快（217.7% vs 13.0%）
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。
Sol-Gel Technologies Ltd.是一家专注皮肤科药物研发的专业生物制药企业，依托专有溶胶凝胶递送技术开发痤疮、玫瑰痤疮、特应性皮炎等常见皮肤疾病的外用治疗方案，核心市场覆盖北美与欧洲，与医疗行业知名企业合作推进产品商业化。
CZFS vs SLGL — 直观对比
营收规模更大
CZFS
是对方的1.7倍
$17.3M
营收增速更快
SLGL
高出204.7%
13.0%
净利率更高
SLGL
高出31.9%
35.4%
损益表 — Q4 FY2025 vs Q2 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $29.6M | $17.3M |
| 净利润 | $10.5M | $11.6M |
| 毛利率 | — | — |
| 营业利润率 | 44.2% | 65.1% |
| 净利率 | 35.4% | 67.3% |
| 营收同比 | 13.0% | 217.7% |
| 净利润同比 | 31.3% | 487.6% |
| 每股收益（稀释后） | $2.17 | $4.17 |
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CZFSSLGL
| Q4 25 | $29.6M | — | ||
| Q3 25 | $29.0M | — | ||
| Q2 25 | $27.3M | $17.3M | ||
| Q1 25 | $26.4M | — | ||
| Q4 24 | $26.2M | — | ||
| Q3 24 | $25.1M | — | ||
| Q2 24 | $24.6M | $5.4M | ||
| Q1 24 | $25.9M | — |
净利润CZFSSLGL
| Q4 25 | $10.5M | — | ||
| Q3 25 | $10.0M | — | ||
| Q2 25 | $8.5M | $11.6M | ||
| Q1 25 | $7.6M | — | ||
| Q4 24 | $8.0M | — | ||
| Q3 24 | $7.5M | — | ||
| Q2 24 | $5.3M | $2.0M | ||
| Q1 24 | $7.0M | — |
营业利润率CZFSSLGL
| Q4 25 | 44.2% | — | ||
| Q3 25 | 42.6% | — | ||
| Q2 25 | 38.1% | 65.1% | ||
| Q1 25 | 35.5% | — | ||
| Q4 24 | 37.2% | — | ||
| Q3 24 | 36.9% | — | ||
| Q2 24 | 25.9% | 29.9% | ||
| Q1 24 | 32.8% | — |
净利率CZFSSLGL
| Q4 25 | 35.4% | — | ||
| Q3 25 | 34.5% | — | ||
| Q2 25 | 31.0% | 67.3% | ||
| Q1 25 | 28.8% | — | ||
| Q4 24 | 30.5% | — | ||
| Q3 24 | 30.0% | — | ||
| Q2 24 | 21.4% | 36.4% | ||
| Q1 24 | 27.1% | — |
每股收益（稀释后）CZFSSLGL
| Q4 25 | $2.17 | — | ||
| Q3 25 | $2.09 | — | ||
| Q2 25 | $1.76 | $4.17 | ||
| Q1 25 | $1.60 | — | ||
| Q4 24 | $1.64 | — | ||
| Q3 24 | $1.57 | — | ||
| Q2 24 | $1.10 | $0.71 | ||
| Q1 24 | $1.48 | — |
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 | $24.3M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $338.1M | $31.9M |
| 总资产 | $3.1B | $39.3M |
| 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CZFSSLGL
| Q4 25 | $34.3M | — | ||
| Q3 25 | $31.1M | — | ||
| Q2 25 | $49.5M | $24.3M | ||
| Q1 25 | $36.8M | — | ||
| Q4 24 | $42.2M | — | ||
| Q3 24 | $36.8M | — | ||
| Q2 24 | $38.4M | $26.5M | ||
| Q1 24 | $29.6M | — |
股东权益CZFSSLGL
| Q4 25 | $338.1M | — | ||
| Q3 25 | $327.7M | — | ||
| Q2 25 | $313.7M | $31.9M | ||
| Q1 25 | $308.3M | — | ||
| Q4 24 | $299.7M | — | ||
| Q3 24 | $298.7M | — | ||
| Q2 24 | $286.5M | $34.9M | ||
| Q1 24 | $282.7M | — |
总资产CZFSSLGL
| Q4 25 | $3.1B | — | ||
| Q3 25 | $3.1B | — | ||
| Q2 25 | $3.0B | $39.3M | ||
| Q1 25 | $3.0B | — | ||
| Q4 24 | $3.0B | — | ||
| Q3 24 | $3.0B | — | ||
| Q2 24 | $2.9B | $42.0M | ||
| Q1 24 | $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 | — |
| 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CZFSSLGL
| Q4 25 | $36.5M | — | ||
| Q3 25 | $2.9M | — | ||
| Q2 25 | $6.0M | — | ||
| Q1 25 | $10.9M | — | ||
| Q4 24 | $33.2M | — | ||
| Q3 24 | $6.2M | — | ||
| Q2 24 | $3.0M | — | ||
| Q1 24 | $13.5M | — |
自由现金流CZFSSLGL
| 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CZFSSLGL
| 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CZFSSLGL
| 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CZFSSLGL
| Q4 25 | 3.49× | — | ||
| Q3 25 | 0.29× | — | ||
| 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
