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CITIZENS FINANCIAL SERVICES INC（CZFS）与STEM, INC.（STEM）财务数据对比。点击上方公司名可切换其他公司
STEM, INC.的季度营收约是CITIZENS FINANCIAL SERVICES INC的1.6倍（$47.1M vs $29.6M），CITIZENS FINANCIAL SERVICES INC净利率更高（35.4% vs -33.9%，领先69.3%），CITIZENS FINANCIAL SERVICES INC同比增速更快（13.0% vs -15.6%），过去两年STEM, INC.的营收复合增速更高（36.1% 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。
该公司是一家公开上市的生物制药企业，总部位于加利福尼亚州纽瓦克，专注研发纯化人类神经干细胞，旨在治疗中枢神经系统疾病与瘫痪，其所研发的神经干细胞可分化为中枢神经系统的神经元、星形胶质细胞与少突胶质细胞这三大主要细胞类型。
CZFS vs STEM — 直观对比
营收规模更大
STEM
是对方的1.6倍
$29.6M
营收增速更快
CZFS
高出28.5%
-15.6%
净利率更高
CZFS
高出69.3%
-33.9%
两年增速更快
STEM
近两年复合增速
6.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $29.6M | $47.1M |
| 净利润 | $10.5M | $-16.0M |
| 毛利率 | — | 48.9% |
| 营业利润率 | 44.2% | -17.7% |
| 净利率 | 35.4% | -33.9% |
| 营收同比 | 13.0% | -15.6% |
| 净利润同比 | 31.3% | 68.8% |
| 每股收益（稀释后） | $2.17 | $-4.40 |
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CZFSSTEM
| Q4 25 | $29.6M | $47.1M | ||
| Q3 25 | $29.0M | $38.2M | ||
| Q2 25 | $27.3M | $38.4M | ||
| Q1 25 | $26.4M | $32.5M | ||
| Q4 24 | $26.2M | $55.8M | ||
| Q3 24 | $25.1M | $29.3M | ||
| Q2 24 | $24.6M | $34.0M | ||
| Q1 24 | $25.9M | $25.5M |
净利润CZFSSTEM
| Q4 25 | $10.5M | $-16.0M | ||
| Q3 25 | $10.0M | $-23.8M | ||
| Q2 25 | $8.5M | $202.5M | ||
| Q1 25 | $7.6M | $-25.0M | ||
| Q4 24 | $8.0M | $-51.1M | ||
| Q3 24 | $7.5M | $-148.3M | ||
| Q2 24 | $5.3M | $-582.3M | ||
| Q1 24 | $7.0M | $-72.3M |
毛利率CZFSSTEM
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | -95.0% |
营业利润率CZFSSTEM
| Q4 25 | 44.2% | -17.7% | ||
| Q3 25 | 42.6% | -33.6% | ||
| Q2 25 | 38.1% | -34.8% | ||
| Q1 25 | 35.5% | -65.0% | ||
| Q4 24 | 37.2% | -84.4% | ||
| Q3 24 | 36.9% | -493.2% | ||
| Q2 24 | 25.9% | -1705.5% | ||
| Q1 24 | 32.8% | -267.0% |
净利率CZFSSTEM
| Q4 25 | 35.4% | -33.9% | ||
| Q3 25 | 34.5% | -62.2% | ||
| Q2 25 | 31.0% | 527.8% | ||
| Q1 25 | 28.8% | -76.9% | ||
| Q4 24 | 30.5% | -91.6% | ||
| Q3 24 | 30.0% | -506.3% | ||
| Q2 24 | 21.4% | -1712.6% | ||
| Q1 24 | 27.1% | -283.9% |
每股收益（稀释后）CZFSSTEM
| Q4 25 | $2.17 | $-4.40 | ||
| Q3 25 | $2.09 | $-2.84 | ||
| Q2 25 | $1.76 | $-1.79 | ||
| Q1 25 | $1.60 | $-0.15 | ||
| Q4 24 | $1.64 | $-15.29 | ||
| Q3 24 | $1.57 | $-18.24 | ||
| Q2 24 | $1.10 | $-71.81 | ||
| Q1 24 | $1.48 | $-0.46 |
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 | $48.9M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $338.1M | $-249.4M |
| 总资产 | $3.1B | $308.9M |
| 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CZFSSTEM
| Q4 25 | $34.3M | $48.9M | ||
| Q3 25 | $31.1M | $43.1M | ||
| Q2 25 | $49.5M | $40.8M | ||
| Q1 25 | $36.8M | $58.6M | ||
| Q4 24 | $42.2M | $56.3M | ||
| Q3 24 | $36.8M | $75.4M | ||
| Q2 24 | $38.4M | $89.6M | ||
| Q1 24 | $29.6M | $112.8M |
股东权益CZFSSTEM
| Q4 25 | $338.1M | $-249.4M | ||
| Q3 25 | $327.7M | $-235.7M | ||
| Q2 25 | $313.7M | $-214.1M | ||
| Q1 25 | $308.3M | $-417.5M | ||
| Q4 24 | $299.7M | $-398.4M | ||
| Q3 24 | $298.7M | $-344.1M | ||
| Q2 24 | $286.5M | $-203.2M | ||
| Q1 24 | $282.7M | $371.6M |
总资产CZFSSTEM
| Q4 25 | $3.1B | $308.9M | ||
| Q3 25 | $3.1B | $362.6M | ||
| Q2 25 | $3.0B | $379.2M | ||
| Q1 25 | $3.0B | $405.1M | ||
| Q4 24 | $3.0B | $437.4M | ||
| Q3 24 | $3.0B | $537.8M | ||
| Q2 24 | $2.9B | $691.5M | ||
| Q1 24 | $2.9B | $1.3B |
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 | $8.2M |
| 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CZFSSTEM
| Q4 25 | $36.5M | $8.2M | ||
| Q3 25 | $2.9M | $11.4M | ||
| Q2 25 | $6.0M | $-21.3M | ||
| Q1 25 | $10.9M | $8.5M | ||
| Q4 24 | $33.2M | $-14.7M | ||
| Q3 24 | $6.2M | $-9.4M | ||
| Q2 24 | $3.0M | $-11.9M | ||
| Q1 24 | $13.5M | $-621.0K |
自由现金流CZFSSTEM
| 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CZFSSTEM
| 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CZFSSTEM
| 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CZFSSTEM
| Q4 25 | 3.49× | — | ||
| Q3 25 | 0.29× | — | ||
| Q2 25 | 0.71× | -0.11× | ||
| 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
