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CITIZENS FINANCIAL SERVICES INC（CZFS）与Neuronetics, Inc.（STIM）财务数据对比。点击上方公司名可切换其他公司
Neuronetics, Inc.的季度营收约是CITIZENS FINANCIAL SERVICES INC的1.4倍（$41.8M vs $29.6M），CITIZENS FINANCIAL SERVICES INC净利率更高（35.4% vs -17.2%，领先52.7%），Neuronetics, Inc.同比增速更快（85.7% vs 13.0%），CITIZENS FINANCIAL SERVICES INC自由现金流更多（$35.2M vs $692.0K），过去两年Neuronetics, Inc.的营收复合增速更高（54.9% 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。
Neuronetics, Inc.是一家总部位于宾夕法尼亚州莫尔文的上市公司，2003年4月于特拉华州成立，专注研发神经调节技术相关产品，为传统治疗无效或耐药的精神疾病提供无创治疗方案。
CZFS vs STIM — 直观对比
营收规模更大
STIM
是对方的1.4倍
$29.6M
营收增速更快
STIM
高出72.8%
13.0%
净利率更高
CZFS
高出52.7%
-17.2%
自由现金流更多
CZFS
多$34.5M
$692.0K
两年增速更快
STIM
近两年复合增速
6.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $29.6M | $41.8M |
| 净利润 | $10.5M | $-7.2M |
| 毛利率 | — | 52.0% |
| 营业利润率 | 44.2% | -12.1% |
| 净利率 | 35.4% | -17.2% |
| 营收同比 | 13.0% | 85.7% |
| 净利润同比 | 31.3% | 43.2% |
| 每股收益（稀释后） | $2.17 | $-0.10 |
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CZFSSTIM
| Q4 25 | $29.6M | $41.8M | ||
| Q3 25 | $29.0M | $37.3M | ||
| Q2 25 | $27.3M | $38.1M | ||
| Q1 25 | $26.4M | $32.0M | ||
| Q4 24 | $26.2M | $22.5M | ||
| Q3 24 | $25.1M | $18.5M | ||
| Q2 24 | $24.6M | $16.4M | ||
| Q1 24 | $25.9M | $17.4M |
净利润CZFSSTIM
| Q4 25 | $10.5M | $-7.2M | ||
| Q3 25 | $10.0M | $-9.0M | ||
| Q2 25 | $8.5M | $-10.1M | ||
| Q1 25 | $7.6M | $-12.7M | ||
| Q4 24 | $8.0M | $-12.7M | ||
| Q3 24 | $7.5M | $-13.3M | ||
| Q2 24 | $5.3M | $-9.8M | ||
| Q1 24 | $7.0M | $-7.9M |
毛利率CZFSSTIM
| Q4 25 | — | 52.0% | ||
| Q3 25 | — | 45.9% | ||
| Q2 25 | — | 46.6% | ||
| Q1 25 | — | 49.2% | ||
| Q4 24 | — | 66.2% | ||
| Q3 24 | — | 75.6% | ||
| Q2 24 | — | 74.0% | ||
| Q1 24 | — | 75.1% |
营业利润率CZFSSTIM
| Q4 25 | 44.2% | -12.1% | ||
| Q3 25 | 42.6% | -19.6% | ||
| Q2 25 | 38.1% | -21.1% | ||
| Q1 25 | 35.5% | -34.4% | ||
| Q4 24 | 37.2% | -51.0% | ||
| Q3 24 | 36.9% | -41.7% | ||
| Q2 24 | 25.9% | -51.7% | ||
| Q1 24 | 32.8% | -39.4% |
净利率CZFSSTIM
| Q4 25 | 35.4% | -17.2% | ||
| Q3 25 | 34.5% | -24.3% | ||
| Q2 25 | 31.0% | -26.6% | ||
| Q1 25 | 28.8% | -39.6% | ||
| Q4 24 | 30.5% | -56.4% | ||
| Q3 24 | 30.0% | -72.0% | ||
| Q2 24 | 21.4% | -59.8% | ||
| Q1 24 | 27.1% | -45.2% |
每股收益（稀释后）CZFSSTIM
| Q4 25 | $2.17 | $-0.10 | ||
| Q3 25 | $2.09 | $-0.13 | ||
| Q2 25 | $1.76 | $-0.15 | ||
| Q1 25 | $1.60 | $-0.21 | ||
| Q4 24 | $1.64 | $-0.34 | ||
| Q3 24 | $1.57 | $-0.44 | ||
| Q2 24 | $1.10 | $-0.33 | ||
| Q1 24 | $1.48 | $-0.27 |
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 | $28.1M |
| 总债务越低越好 | — | $65.8M |
| 股东权益账面价值 | $338.1M | $22.4M |
| 总资产 | $3.1B | $141.6M |
| 负债/权益比越低杠杆越低 | — | 2.94× |
8季度趋势，按日历期对齐
现金及短期投资CZFSSTIM
| Q4 25 | $34.3M | $28.1M | ||
| Q3 25 | $31.1M | $28.0M | ||
| Q2 25 | $49.5M | $11.0M | ||
| Q1 25 | $36.8M | $20.2M | ||
| Q4 24 | $42.2M | $18.5M | ||
| Q3 24 | $36.8M | $20.9M | ||
| Q2 24 | $38.4M | $42.6M | ||
| Q1 24 | $29.6M | $47.7M |
总债务CZFSSTIM
| Q4 25 | — | $65.8M | ||
| Q3 25 | — | $65.7M | ||
| Q2 25 | — | $55.5M | ||
| Q1 25 | — | $55.3M | ||
| Q4 24 | — | $55.2M | ||
| Q3 24 | — | $46.0M | ||
| Q2 24 | — | $59.8M | ||
| Q1 24 | — | $59.4M |
股东权益CZFSSTIM
| Q4 25 | $338.1M | $22.4M | ||
| Q3 25 | $327.7M | $27.4M | ||
| Q2 25 | $313.7M | $27.1M | ||
| Q1 25 | $308.3M | $35.5M | ||
| Q4 24 | $299.7M | $27.7M | ||
| Q3 24 | $298.7M | $9.4M | ||
| Q2 24 | $286.5M | $19.4M | ||
| Q1 24 | $282.7M | $27.7M |
总资产CZFSSTIM
| Q4 25 | $3.1B | $141.6M | ||
| Q3 25 | $3.1B | $145.5M | ||
| Q2 25 | $3.0B | $134.7M | ||
| Q1 25 | $3.0B | $142.0M | ||
| Q4 24 | $3.0B | $140.9M | ||
| Q3 24 | $3.0B | — | ||
| Q2 24 | $2.9B | $96.8M | ||
| Q1 24 | $2.9B | $103.8M |
负债/权益比CZFSSTIM
| Q4 25 | — | 2.94× | ||
| Q3 25 | — | 2.40× | ||
| Q2 25 | — | 2.05× | ||
| Q1 25 | — | 1.56× | ||
| Q4 24 | — | 1.99× | ||
| Q3 24 | — | 4.90× | ||
| Q2 24 | — | 3.08× | ||
| Q1 24 | — | 2.15× |
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 | $908.0K |
| 自由现金流经营现金流 - 资本支出 | $35.2M | $692.0K |
| 自由现金流率自由现金流/营收 | 119.0% | 1.7% |
| 资本支出强度资本支出/营收 | 4.4% | 0.5% |
| 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 | $-21.2M |
8季度趋势，按日历期对齐
经营现金流CZFSSTIM
| Q4 25 | $36.5M | $908.0K | ||
| Q3 25 | $2.9M | $-785.0K | ||
| Q2 25 | $6.0M | $-3.5M | ||
| Q1 25 | $10.9M | $-17.0M | ||
| Q4 24 | $33.2M | $-8.6M | ||
| Q3 24 | $6.2M | $-5.4M | ||
| Q2 24 | $3.0M | $-5.0M | ||
| Q1 24 | $13.5M | $-12.0M |
自由现金流CZFSSTIM
| Q4 25 | $35.2M | $692.0K | ||
| Q3 25 | $2.7M | $-899.0K | ||
| Q2 25 | $5.5M | $-3.8M | ||
| Q1 25 | $10.4M | $-17.2M | ||
| Q4 24 | $31.9M | $-8.7M | ||
| Q3 24 | $5.6M | $-5.8M | ||
| Q2 24 | $2.9M | $-5.6M | ||
| Q1 24 | $13.4M | $-12.4M |
自由现金流率CZFSSTIM
| Q4 25 | 119.0% | 1.7% | ||
| Q3 25 | 9.4% | -2.4% | ||
| Q2 25 | 20.1% | -9.9% | ||
| Q1 25 | 39.2% | -53.8% | ||
| Q4 24 | 121.6% | -38.6% | ||
| Q3 24 | 22.3% | -31.3% | ||
| Q2 24 | 11.8% | -34.0% | ||
| Q1 24 | 51.5% | -71.1% |
资本支出强度CZFSSTIM
| Q4 25 | 4.4% | 0.5% | ||
| Q3 25 | 0.5% | 0.3% | ||
| Q2 25 | 1.8% | 0.7% | ||
| Q1 25 | 2.2% | 0.7% | ||
| Q4 24 | 5.0% | 0.4% | ||
| Q3 24 | 2.5% | 2.1% | ||
| Q2 24 | 0.5% | 3.7% | ||
| Q1 24 | 0.4% | 2.2% |
现金转化率CZFSSTIM
| 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
