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CITIZENS FINANCIAL SERVICES INC（CZFS）与Star Holdings（STHO）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Star Holdings的1.2倍（$29.6M vs $25.4M），CITIZENS FINANCIAL SERVICES INC净利率更高（35.4% vs -75.5%，领先110.9%），CITIZENS FINANCIAL SERVICES INC同比增速更快（13.0% vs -22.6%），过去两年CITIZENS FINANCIAL SERVICES INC的营收复合增速更高（6.9% vs -0.2%）
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。
蓝星有限公司是一家印度跨国家电企业，总部位于孟买，主营空调、商用制冷以及机电工程业务，是印度本土市场规模第二大的空调领域本土企业。
CZFS vs STHO — 直观对比
营收规模更大
CZFS
是对方的1.2倍
$25.4M
营收增速更快
CZFS
高出35.6%
-22.6%
净利率更高
CZFS
高出110.9%
-75.5%
两年增速更快
CZFS
近两年复合增速
-0.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $29.6M | $25.4M |
| 净利润 | $10.5M | $-19.1M |
| 毛利率 | — | — |
| 营业利润率 | 44.2% | -91.7% |
| 净利率 | 35.4% | -75.5% |
| 营收同比 | 13.0% | -22.6% |
| 净利润同比 | 31.3% | 81.3% |
| 每股收益（稀释后） | $2.17 | $-1.52 |
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CZFSSTHO
| Q4 25 | $29.6M | $25.4M | ||
| Q3 25 | $29.0M | $28.1M | ||
| Q2 25 | $27.3M | $42.1M | ||
| Q1 25 | $26.4M | $14.6M | ||
| Q4 24 | $26.2M | $32.8M | ||
| Q3 24 | $25.1M | $24.6M | ||
| Q2 24 | $24.6M | $30.6M | ||
| Q1 24 | $25.9M | $25.4M |
净利润CZFSSTHO
| Q4 25 | $10.5M | $-19.1M | ||
| Q3 25 | $10.0M | $1.8M | ||
| Q2 25 | $8.5M | $-39.3M | ||
| Q1 25 | $7.6M | $-7.6M | ||
| Q4 24 | $8.0M | $-102.6M | ||
| Q3 24 | $7.5M | $91.9M | ||
| Q2 24 | $5.3M | $-27.1M | ||
| Q1 24 | $7.0M | $-49.0M |
营业利润率CZFSSTHO
| Q4 25 | 44.2% | -91.7% | ||
| Q3 25 | 42.6% | 1.0% | ||
| Q2 25 | 38.1% | -94.5% | ||
| Q1 25 | 35.5% | -55.0% | ||
| Q4 24 | 37.2% | -314.1% | ||
| Q3 24 | 36.9% | — | ||
| Q2 24 | 25.9% | -91.5% | ||
| Q1 24 | 32.8% | -192.6% |
净利率CZFSSTHO
| Q4 25 | 35.4% | -75.5% | ||
| Q3 25 | 34.5% | 6.4% | ||
| Q2 25 | 31.0% | -93.5% | ||
| Q1 25 | 28.8% | -52.0% | ||
| Q4 24 | 30.5% | -313.1% | ||
| Q3 24 | 30.0% | 374.3% | ||
| Q2 24 | 21.4% | -88.8% | ||
| Q1 24 | 27.1% | -192.6% |
每股收益（稀释后）CZFSSTHO
| Q4 25 | $2.17 | $-1.52 | ||
| Q3 25 | $2.09 | $0.14 | ||
| Q2 25 | $1.76 | $-2.95 | ||
| Q1 25 | $1.60 | $-0.57 | ||
| Q4 24 | $1.64 | $-7.69 | ||
| Q3 24 | $1.57 | $6.90 | ||
| Q2 24 | $1.10 | $-2.04 | ||
| Q1 24 | $1.48 | $-3.68 |
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 | $50.1M |
| 总债务越低越好 | — | $268.7M |
| 股东权益账面价值 | $338.1M | $251.8M |
| 总资产 | $3.1B | $570.2M |
| 负债/权益比越低杠杆越低 | — | 1.07× |
8季度趋势，按日历期对齐
现金及短期投资CZFSSTHO
| Q4 25 | $34.3M | $50.1M | ||
| Q3 25 | $31.1M | $40.6M | ||
| Q2 25 | $49.5M | $44.2M | ||
| Q1 25 | $36.8M | $30.3M | ||
| Q4 24 | $42.2M | $35.0M | ||
| Q3 24 | $36.8M | $45.0M | ||
| Q2 24 | $38.4M | $48.3M | ||
| Q1 24 | $29.6M | $45.7M |
总债务CZFSSTHO
| Q4 25 | — | $268.7M | ||
| Q3 25 | — | $259.3M | ||
| Q2 25 | — | $245.4M | ||
| Q1 25 | — | $231.5M | ||
| Q4 24 | — | $217.3M | ||
| Q3 24 | — | $201.2M | ||
| Q2 24 | — | $197.2M | ||
| Q1 24 | — | $195.0M |
股东权益CZFSSTHO
| Q4 25 | $338.1M | $251.8M | ||
| Q3 25 | $327.7M | $275.4M | ||
| Q2 25 | $313.7M | $276.1M | ||
| Q1 25 | $308.3M | $316.1M | ||
| Q4 24 | $299.7M | $324.3M | ||
| Q3 24 | $298.7M | $427.5M | ||
| Q2 24 | $286.5M | $335.3M | ||
| Q1 24 | $282.7M | $362.4M |
总资产CZFSSTHO
| Q4 25 | $3.1B | $570.2M | ||
| Q3 25 | $3.1B | $595.9M | ||
| Q2 25 | $3.0B | $589.9M | ||
| Q1 25 | $3.0B | $618.2M | ||
| Q4 24 | $3.0B | $608.7M | ||
| Q3 24 | $3.0B | $696.5M | ||
| Q2 24 | $2.9B | $601.0M | ||
| Q1 24 | $2.9B | $622.9M |
负债/权益比CZFSSTHO
| Q4 25 | — | 1.07× | ||
| Q3 25 | — | 0.94× | ||
| Q2 25 | — | 0.89× | ||
| Q1 25 | — | 0.73× | ||
| Q4 24 | — | 0.67× | ||
| Q3 24 | — | 0.47× | ||
| Q2 24 | — | 0.59× | ||
| Q1 24 | — | 0.54× |
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 | $-11.7M |
| 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CZFSSTHO
| Q4 25 | $36.5M | $-11.7M | ||
| Q3 25 | $2.9M | $5.3M | ||
| Q2 25 | $6.0M | $-2.6M | ||
| Q1 25 | $10.9M | $-6.3M | ||
| Q4 24 | $33.2M | $-31.3M | ||
| Q3 24 | $6.2M | $-3.8M | ||
| Q2 24 | $3.0M | $-6.4M | ||
| Q1 24 | $13.5M | $-14.2M |
自由现金流CZFSSTHO
| 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CZFSSTHO
| 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CZFSSTHO
| 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CZFSSTHO
| Q4 25 | 3.49× | — | ||
| Q3 25 | 0.29× | 2.95× | ||
| Q2 25 | 0.71× | — | ||
| Q1 25 | 1.44× | — | ||
| Q4 24 | 4.16× | — | ||
| Q3 24 | 0.83× | -0.04× | ||
| 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
STHO
| Land Development | $13.0M | 51% |
| Other Income Revenue | $9.3M | 37% |
| Operating Lease Income | $2.0M | 8% |
| Other | $1.2M | 5% |
