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CITIZENS FINANCIAL SERVICES INC（CZFS）与ARS Pharmaceuticals, Inc.（SPRY）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ARS Pharmaceuticals, Inc.的1.1倍（$29.6M vs $28.1M），CITIZENS FINANCIAL SERVICES INC净利率更高（35.4% vs -147.1%，领先182.5%），CITIZENS FINANCIAL SERVICES INC同比增速更快（13.0% vs -67.6%）
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。
ARS Pharmaceuticals是一家处于后期研发阶段的生物制药企业，专注于开发和商业化严重过敏反应创新疗法，核心产品为无需注射的肾上腺素鼻腔递送制剂，主要面向北美市场，服务存在致命过敏风险的成人及儿童患者群体。
CZFS vs SPRY — 直观对比
营收规模更大
CZFS
是对方的1.1倍
$28.1M
营收增速更快
CZFS
高出80.5%
-67.6%
净利率更高
CZFS
高出182.5%
-147.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $29.6M | $28.1M |
| 净利润 | $10.5M | $-41.3M |
| 毛利率 | — | — |
| 营业利润率 | 44.2% | -147.6% |
| 净利率 | 35.4% | -147.1% |
| 营收同比 | 13.0% | -67.6% |
| 净利润同比 | 31.3% | -182.8% |
| 每股收益（稀释后） | $2.17 | $-0.41 |
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CZFSSPRY
| Q4 25 | $29.6M | $28.1M | ||
| Q3 25 | $29.0M | $32.5M | ||
| Q2 25 | $27.3M | $15.7M | ||
| Q1 25 | $26.4M | $8.0M | ||
| Q4 24 | $26.2M | $86.6M | ||
| Q3 24 | $25.1M | $2.1M | ||
| Q2 24 | $24.6M | $500.0K | ||
| Q1 24 | $25.9M | $0 |
净利润CZFSSPRY
| Q4 25 | $10.5M | $-41.3M | ||
| Q3 25 | $10.0M | $-51.2M | ||
| Q2 25 | $8.5M | $-44.9M | ||
| Q1 25 | $7.6M | $-33.9M | ||
| Q4 24 | $8.0M | $49.9M | ||
| Q3 24 | $7.5M | $-19.1M | ||
| Q2 24 | $5.3M | $-12.5M | ||
| Q1 24 | $7.0M | $-10.3M |
营业利润率CZFSSPRY
| Q4 25 | 44.2% | -147.6% | ||
| Q3 25 | 42.6% | -163.7% | ||
| Q2 25 | 38.1% | -302.9% | ||
| Q1 25 | 35.5% | -466.3% | ||
| Q4 24 | 37.2% | 54.5% | ||
| Q3 24 | 36.9% | -1051.6% | ||
| Q2 24 | 25.9% | -3068.0% | ||
| Q1 24 | 32.8% | — |
净利率CZFSSPRY
| Q4 25 | 35.4% | -147.1% | ||
| Q3 25 | 34.5% | -157.4% | ||
| Q2 25 | 31.0% | -285.6% | ||
| Q1 25 | 28.8% | -425.7% | ||
| Q4 24 | 30.5% | 57.7% | ||
| Q3 24 | 30.0% | -925.0% | ||
| Q2 24 | 21.4% | -2503.2% | ||
| Q1 24 | 27.1% | — |
每股收益（稀释后）CZFSSPRY
| Q4 25 | $2.17 | $-0.41 | ||
| Q3 25 | $2.09 | $-0.52 | ||
| Q2 25 | $1.76 | $-0.46 | ||
| Q1 25 | $1.60 | $-0.35 | ||
| Q4 24 | $1.64 | $0.52 | ||
| Q3 24 | $1.57 | $-0.20 | ||
| Q2 24 | $1.10 | $-0.13 | ||
| Q1 24 | $1.48 | $-0.11 |
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 | $245.0M |
| 总债务越低越好 | — | $96.4M |
| 股东权益账面价值 | $338.1M | $114.3M |
| 总资产 | $3.1B | $327.7M |
| 负债/权益比越低杠杆越低 | — | 0.84× |
8季度趋势，按日历期对齐
现金及短期投资CZFSSPRY
| Q4 25 | $34.3M | $245.0M | ||
| Q3 25 | $31.1M | $288.2M | ||
| Q2 25 | $49.5M | $240.1M | ||
| Q1 25 | $36.8M | $275.7M | ||
| Q4 24 | $42.2M | $314.0M | ||
| Q3 24 | $36.8M | $204.6M | ||
| Q2 24 | $38.4M | $218.7M | ||
| Q1 24 | $29.6M | $223.6M |
总债务CZFSSPRY
| Q4 25 | — | $96.4M | ||
| Q3 25 | — | $96.2M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $0 | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益CZFSSPRY
| Q4 25 | $338.1M | $114.3M | ||
| Q3 25 | $327.7M | $147.7M | ||
| Q2 25 | $313.7M | $192.3M | ||
| Q1 25 | $308.3M | $229.0M | ||
| Q4 24 | $299.7M | $256.8M | ||
| Q3 24 | $298.7M | $201.0M | ||
| Q2 24 | $286.5M | $215.2M | ||
| Q1 24 | $282.7M | $223.9M |
总资产CZFSSPRY
| Q4 25 | $3.1B | $327.7M | ||
| Q3 25 | $3.1B | $372.8M | ||
| Q2 25 | $3.0B | $313.5M | ||
| Q1 25 | $3.0B | $327.3M | ||
| Q4 24 | $3.0B | $351.2M | ||
| Q3 24 | $3.0B | $217.6M | ||
| Q2 24 | $2.9B | $222.0M | ||
| Q1 24 | $2.9B | $227.6M |
负债/权益比CZFSSPRY
| Q4 25 | — | 0.84× | ||
| Q3 25 | — | 0.65× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.00× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| 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 | $-43.5M |
| 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% | 0.0% |
| 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CZFSSPRY
| Q4 25 | $36.5M | $-43.5M | ||
| Q3 25 | $2.9M | $-47.0M | ||
| Q2 25 | $6.0M | $-39.6M | ||
| Q1 25 | $10.9M | $-40.7M | ||
| Q4 24 | $33.2M | $42.0M | ||
| Q3 24 | $6.2M | $-14.5M | ||
| Q2 24 | $3.0M | $-7.3M | ||
| Q1 24 | $13.5M | $-6.7M |
自由现金流CZFSSPRY
| Q4 25 | $35.2M | — | ||
| Q3 25 | $2.7M | $-47.2M | ||
| Q2 25 | $5.5M | $-39.6M | ||
| Q1 25 | $10.4M | $-40.8M | ||
| Q4 24 | $31.9M | $41.7M | ||
| Q3 24 | $5.6M | $-14.6M | ||
| Q2 24 | $2.9M | $-7.3M | ||
| Q1 24 | $13.4M | $-6.8M |
自由现金流率CZFSSPRY
| Q4 25 | 119.0% | — | ||
| Q3 25 | 9.4% | -145.4% | ||
| Q2 25 | 20.1% | -252.2% | ||
| Q1 25 | 39.2% | -512.1% | ||
| Q4 24 | 121.6% | 48.2% | ||
| Q3 24 | 22.3% | -706.3% | ||
| Q2 24 | 11.8% | -1463.4% | ||
| Q1 24 | 51.5% | — |
资本支出强度CZFSSPRY
| Q4 25 | 4.4% | 0.0% | ||
| Q3 25 | 0.5% | 0.6% | ||
| Q2 25 | 1.8% | 0.3% | ||
| Q1 25 | 2.2% | 1.1% | ||
| Q4 24 | 5.0% | 0.3% | ||
| Q3 24 | 2.5% | 6.8% | ||
| Q2 24 | 0.5% | 7.6% | ||
| Q1 24 | 0.4% | — |
现金转化率CZFSSPRY
| Q4 25 | 3.49× | — | ||
| Q3 25 | 0.29× | — | ||
| Q2 25 | 0.71× | — | ||
| Q1 25 | 1.44× | — | ||
| Q4 24 | 4.16× | 0.84× | ||
| 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
SPRY
| Products | $20.3M | 72% |
| Other | $7.8M | 28% |
