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Citizens Community Bancorp Inc.（CZWI）与林德（LIN）财务数据对比。点击上方公司名可切换其他公司
林德的季度营收约是Citizens Community Bancorp Inc.的557.3倍（$8.8B vs $15.8M），Citizens Community Bancorp Inc.同比增速更快（14.9% vs 8.2%），Citizens Community Bancorp Inc.自由现金流更多（$10.4M vs $898.0K），过去两年林德的营收复合增速更高（3.1% vs 1.9%）
冰川银行集团是一家总部位于美国蒙大拿州卡利斯佩尔的区域性多元化银行控股公司，最早前身企业于1990年完成注册。集团在美国蒙大拿、爱达荷、犹他、华盛顿、怀俄明、科罗拉多、亚利桑那及内华达共设有221个网点，为客户提供个人及商业银行服务。
林德是全球知名跨国化工企业，按市场份额及营收计为全球最大工业气体供应商。公司1879年由德国科学家、工程师卡尔·冯·林德在德国威斯巴登创立，现总部位于英国沃金，在爱尔兰注册，2018年由原林德股份公司与1907年在美国成立的普莱克斯合并组建。
CZWI vs LIN — 直观对比
营收规模更大
LIN
是对方的557.3倍
$15.8M
营收增速更快
CZWI
高出6.6%
8.2%
自由现金流更多
CZWI
多$9.5M
$898.0K
两年增速更快
LIN
近两年复合增速
1.9%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $15.8M | $8.8B |
| 净利润 | $4.3M | — |
| 毛利率 | — | 48.5% |
| 营业利润率 | 31.0% | 27.8% |
| 净利率 | 27.1% | — |
| 营收同比 | 14.9% | 8.2% |
| 净利润同比 | 58.1% | — |
| 每股收益（稀释后） | $0.44 | $3.98 |
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CZWILIN
| Q1 26 | — | $8.8B | ||
| Q4 25 | $15.8M | $8.8B | ||
| Q3 25 | $16.2M | $8.6B | ||
| Q2 25 | $16.1M | $8.5B | ||
| Q1 25 | $14.2M | $8.1B | ||
| Q4 24 | $13.7M | $8.3B | ||
| Q3 24 | $14.2M | $8.4B | ||
| Q2 24 | $13.5M | $8.3B |
净利润CZWILIN
| Q1 26 | — | — | ||
| Q4 25 | $4.3M | $1.5B | ||
| Q3 25 | $3.7M | $1.9B | ||
| Q2 25 | $3.3M | $1.8B | ||
| Q1 25 | $3.2M | $1.7B | ||
| Q4 24 | $2.7M | $1.7B | ||
| Q3 24 | $3.3M | $1.6B | ||
| Q2 24 | $3.7M | $1.7B |
毛利率CZWILIN
| Q1 26 | — | 48.5% | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
营业利润率CZWILIN
| Q1 26 | — | 27.8% | ||
| Q4 25 | 31.0% | 23.0% | ||
| Q3 25 | 27.9% | 27.5% | ||
| Q2 25 | 25.1% | 27.7% | ||
| Q1 25 | 28.0% | 26.9% | ||
| Q4 24 | 24.5% | 27.4% | ||
| Q3 24 | 29.5% | 25.0% | ||
| Q2 24 | 35.0% | 26.4% |
净利率CZWILIN
| Q1 26 | — | — | ||
| Q4 25 | 27.1% | 17.5% | ||
| Q3 25 | 22.7% | 22.4% | ||
| Q2 25 | 20.3% | 20.8% | ||
| Q1 25 | 22.5% | 20.6% | ||
| Q4 24 | 19.7% | 20.8% | ||
| Q3 24 | 23.1% | 18.5% | ||
| Q2 24 | 27.2% | 20.1% |
每股收益（稀释后）CZWILIN
| Q1 26 | — | $3.98 | ||
| Q4 25 | $0.44 | $3.28 | ||
| Q3 25 | $0.37 | $4.09 | ||
| Q2 25 | $0.33 | $3.73 | ||
| Q1 25 | $0.32 | $3.51 | ||
| Q4 24 | $0.28 | $3.61 | ||
| Q3 24 | $0.32 | $3.22 | ||
| Q2 24 | $0.35 | $3.44 |
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 | $118.9M | $4.0B |
| 总债务越低越好 | $51.8M | $24.7B |
| 股东权益账面价值 | $187.9M | $40.1B |
| 总资产 | $1.8B | $86.3B |
| 负债/权益比越低杠杆越低 | 0.28× | 0.62× |
8季度趋势，按日历期对齐
现金及短期投资CZWILIN
| Q1 26 | — | $4.0B | ||
| Q4 25 | $118.9M | $5.1B | ||
| Q3 25 | $82.4M | $4.5B | ||
| Q2 25 | $67.5M | $4.8B | ||
| Q1 25 | $100.2M | $5.3B | ||
| Q4 24 | $50.2M | $4.8B | ||
| Q3 24 | $36.6M | $5.2B | ||
| Q2 24 | $36.9M | $4.6B |
总债务CZWILIN
| Q1 26 | — | $24.7B | ||
| Q4 25 | $51.8M | $20.7B | ||
| Q3 25 | — | $18.6B | ||
| Q2 25 | — | $19.7B | ||
| Q1 25 | — | $17.6B | ||
| Q4 24 | $66.6M | $15.3B | ||
| Q3 24 | — | $17.5B | ||
| Q2 24 | — | $16.9B |
股东权益CZWILIN
| Q1 26 | — | $40.1B | ||
| Q4 25 | $187.9M | $38.2B | ||
| Q3 25 | $186.8M | $38.6B | ||
| Q2 25 | $183.5M | $38.5B | ||
| Q1 25 | $180.1M | $38.0B | ||
| Q4 24 | $179.1M | $38.1B | ||
| Q3 24 | $180.1M | $39.2B | ||
| Q2 24 | $176.0M | $38.2B |
总资产CZWILIN
| Q1 26 | — | $86.3B | ||
| Q4 25 | $1.8B | $86.8B | ||
| Q3 25 | $1.7B | $86.0B | ||
| Q2 25 | $1.7B | $86.1B | ||
| Q1 25 | $1.8B | $82.7B | ||
| Q4 24 | $1.7B | $80.1B | ||
| Q3 24 | $1.8B | $82.5B | ||
| Q2 24 | $1.8B | $80.2B |
负债/权益比CZWILIN
| Q1 26 | — | 0.62× | ||
| Q4 25 | 0.28× | 0.54× | ||
| Q3 25 | — | 0.48× | ||
| Q2 25 | — | 0.51× | ||
| Q1 25 | — | 0.46× | ||
| Q4 24 | 0.37× | 0.40× | ||
| Q3 24 | — | 0.45× | ||
| Q2 24 | — | 0.44× |
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 | $11.7M | — |
| 自由现金流经营现金流 - 资本支出 | $10.4M | $898.0K |
| 自由现金流率自由现金流/营收 | 65.9% | 0.0% |
| 资本支出强度资本支出/营收 | 8.3% | — |
| 现金转化率经营现金流/净利润 | 2.74× | — |
| 过去12个月自由现金流最近4个季度 | $17.5M | $4.2B |
8季度趋势，按日历期对齐
经营现金流CZWILIN
| Q1 26 | — | — | ||
| Q4 25 | $11.7M | $3.0B | ||
| Q3 25 | $6.6M | $2.9B | ||
| Q2 25 | $-406.0K | $2.2B | ||
| Q1 25 | $1.6M | $2.2B | ||
| Q4 24 | $20.4M | $2.8B | ||
| Q3 24 | $3.5M | $2.7B | ||
| Q2 24 | $5.1M | $1.9B |
自由现金流CZWILIN
| Q1 26 | — | $898.0K | ||
| Q4 25 | $10.4M | $1.6B | ||
| Q3 25 | $6.2M | $1.7B | ||
| Q2 25 | $-632.0K | $954.0M | ||
| Q1 25 | $1.5M | $891.0M | ||
| Q4 24 | $19.5M | $1.6B | ||
| Q3 24 | $3.4M | $1.7B | ||
| Q2 24 | $4.8M | $796.0M |
自由现金流率CZWILIN
| Q1 26 | — | 0.0% | ||
| Q4 25 | 65.9% | 17.9% | ||
| Q3 25 | 38.4% | 19.4% | ||
| Q2 25 | -3.9% | 11.2% | ||
| Q1 25 | 10.7% | 11.0% | ||
| Q4 24 | 142.2% | 18.8% | ||
| Q3 24 | 23.8% | 19.9% | ||
| Q2 24 | 35.7% | 9.6% |
资本支出强度CZWILIN
| Q1 26 | — | — | ||
| Q4 25 | 8.3% | 16.6% | ||
| Q3 25 | 2.4% | 14.8% | ||
| Q2 25 | 1.4% | 14.8% | ||
| Q1 25 | 0.7% | 15.7% | ||
| Q4 24 | 6.5% | 15.1% | ||
| Q3 24 | 0.9% | 12.8% | ||
| Q2 24 | 2.3% | 13.7% |
现金转化率CZWILIN
| Q1 26 | — | — | ||
| Q4 25 | 2.74× | 1.98× | ||
| Q3 25 | 1.80× | 1.53× | ||
| Q2 25 | -0.12× | 1.25× | ||
| Q1 25 | 0.50× | 1.29× | ||
| Q4 24 | 7.55× | 1.63× | ||
| Q3 24 | 1.07× | 1.76× | ||
| Q2 24 | 1.39× | 1.16× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
