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PROVIDENT FINANCIAL SERVICES INC（PFS）与TFS Financial CORP（TFSL）财务数据对比。点击上方公司名可切换其他公司
TFS Financial CORP的季度营收约是PROVIDENT FINANCIAL SERVICES INC的4.2倍（$75.7M vs $18.2M）。TFS Financial CORP同比增速更快（10.8% vs 10.4%）。PROVIDENT FINANCIAL SERVICES INC自由现金流更多（$64.1M vs $57.1M）。过去两年PROVIDENT FINANCIAL SERVICES INC的营收复合增速更高（5.8% vs 3.0%）
PNC金融服务集团是总部位于美国宾夕法尼亚州匹兹堡的银行控股及金融服务企业，旗下银行子公司PNC银行业务覆盖美国27个州和华盛顿特区，拥有2629家营业网点与9523台ATM机，是美国资产规模、网点数量、存款规模、ATM保有量均位居前列的大型银行机构。
TFS金融公司是一家总部位于美国的金融控股企业，主要通过旗下零售银行子公司开展业务，提供住房抵押贷款、储蓄账户及其他消费金融产品，核心客群主要分布于俄亥俄州和佛罗里达州，以个人及家庭客户为服务重心。
PFS vs TFSL — 直观对比
营收规模更大
TFSL
是对方的4.2倍
$18.2M
营收增速更快
TFSL
高出0.3%
10.4%
自由现金流更多
PFS
多$7.0M
$57.1M
两年增速更快
PFS
近两年复合增速
3.0%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $18.2M | $75.7M |
| 净利润 | — | $22.3M |
| 毛利率 | — | — |
| 营业利润率 | — | 37.7% |
| 净利率 | — | 29.4% |
| 营收同比 | 10.4% | 10.8% |
| 净利润同比 | — | -0.7% |
| 每股收益（稀释后） | $0.64 | $0.08 |
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PFSTFSL
| Q4 25 | $18.2M | $75.7M | ||
| Q3 25 | $17.7M | $77.3M | ||
| Q2 25 | $18.3M | $75.0M | ||
| Q1 25 | $18.9M | $72.0M | ||
| Q4 24 | $16.5M | $68.3M | ||
| Q3 24 | $17.9M | $68.7M | ||
| Q2 24 | $17.6M | $69.3M | ||
| Q1 24 | $16.3M | $71.4M |
净利润PFSTFSL
| Q4 25 | — | $22.3M | ||
| Q3 25 | $71.7M | $26.0M | ||
| Q2 25 | $72.0M | $21.5M | ||
| Q1 25 | $64.0M | $21.0M | ||
| Q4 24 | — | $22.4M | ||
| Q3 24 | $46.4M | $18.2M | ||
| Q2 24 | $-11.5M | $20.0M | ||
| Q1 24 | $32.1M | $20.7M |
营业利润率PFSTFSL
| Q4 25 | — | 37.7% | ||
| Q3 25 | — | 42.0% | ||
| Q2 25 | — | 36.5% | ||
| Q1 25 | — | 36.8% | ||
| Q4 24 | — | 41.5% | ||
| Q3 24 | — | 33.5% | ||
| Q2 24 | -120.9% | 36.4% | ||
| Q1 24 | — | 36.3% |
净利率PFSTFSL
| Q4 25 | — | 29.4% | ||
| Q3 25 | 404.6% | 33.6% | ||
| Q2 25 | 393.8% | 28.7% | ||
| Q1 25 | 339.3% | 29.2% | ||
| Q4 24 | — | 32.8% | ||
| Q3 24 | 260.0% | 26.5% | ||
| Q2 24 | -65.1% | 28.8% | ||
| Q1 24 | 197.0% | 29.0% |
每股收益（稀释后）PFSTFSL
| Q4 25 | $0.64 | $0.08 | ||
| Q3 25 | $0.55 | $0.09 | ||
| Q2 25 | $0.55 | $0.08 | ||
| Q1 25 | $0.49 | $0.07 | ||
| Q4 24 | $0.37 | $0.08 | ||
| Q3 24 | $0.36 | $0.07 | ||
| Q2 24 | $-0.11 | $0.07 | ||
| Q1 24 | $0.43 | $0.07 |
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 | $209.1M | $456.7M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $2.8B | $1.9B |
| 总资产 | $25.0B | $17.5B |
| 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PFSTFSL
| Q4 25 | $209.1M | $456.7M | ||
| Q3 25 | $299.2M | $429.4M | ||
| Q2 25 | $258.0M | $452.6M | ||
| Q1 25 | $234.1M | $463.6M | ||
| Q4 24 | $205.9M | $465.9M | ||
| Q3 24 | $244.0M | $463.7M | ||
| Q2 24 | $290.5M | $560.4M | ||
| Q1 24 | $158.3M | $594.3M |
股东权益PFSTFSL
| Q4 25 | $2.8B | $1.9B | ||
| Q3 25 | $2.8B | $1.9B | ||
| Q2 25 | $2.7B | $1.9B | ||
| Q1 25 | $2.7B | $1.9B | ||
| Q4 24 | $2.6B | $1.9B | ||
| Q3 24 | $2.6B | $1.9B | ||
| Q2 24 | $2.6B | $1.9B | ||
| Q1 24 | $1.7B | $1.9B |
总资产PFSTFSL
| Q4 25 | $25.0B | $17.5B | ||
| Q3 25 | $24.8B | $17.5B | ||
| Q2 25 | $24.5B | $17.4B | ||
| Q1 25 | $24.2B | $17.1B | ||
| Q4 24 | $24.1B | $17.1B | ||
| Q3 24 | $24.0B | $17.1B | ||
| Q2 24 | $24.1B | $17.0B | ||
| Q1 24 | $14.1B | $17.0B |
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 | $68.9M | $58.7M |
| 自由现金流经营现金流 - 资本支出 | $64.1M | $57.1M |
| 自由现金流率自由现金流/营收 | 351.4% | 75.4% |
| 资本支出强度资本支出/营收 | 26.7% | 2.2% |
| 现金转化率经营现金流/净利润 | — | 2.64× |
| 过去12个月自由现金流最近4个季度 | $430.7M | $83.1M |
8季度趋势，按日历期对齐
经营现金流PFSTFSL
| Q4 25 | $68.9M | $58.7M | ||
| Q3 25 | $98.0M | $-11.1M | ||
| Q2 25 | $186.8M | $26.8M | ||
| Q1 25 | $88.5M | $21.2M | ||
| Q4 24 | $239.3M | $45.5M | ||
| Q3 24 | $69.2M | $-58.7M | ||
| Q2 24 | $76.5M | $96.7M | ||
| Q1 24 | $41.4M | $14.2M |
自由现金流PFSTFSL
| Q4 25 | $64.1M | $57.1M | ||
| Q3 25 | $96.7M | $-13.2M | ||
| Q2 25 | $182.6M | $25.0M | ||
| Q1 25 | $87.4M | $14.3M | ||
| Q4 24 | $237.8M | $44.9M | ||
| Q3 24 | $67.9M | $-59.4M | ||
| Q2 24 | $75.5M | $95.9M | ||
| Q1 24 | $40.9M | $13.4M |
自由现金流率PFSTFSL
| Q4 25 | 351.4% | 75.4% | ||
| Q3 25 | 545.6% | -17.1% | ||
| Q2 25 | 998.9% | 33.4% | ||
| Q1 25 | 463.0% | 19.8% | ||
| Q4 24 | 1439.9% | 65.7% | ||
| Q3 24 | 380.3% | -86.4% | ||
| Q2 24 | 428.2% | 138.5% | ||
| Q1 24 | 251.0% | 18.8% |
资本支出强度PFSTFSL
| Q4 25 | 26.7% | 2.2% | ||
| Q3 25 | 7.5% | 2.8% | ||
| Q2 25 | 23.0% | 2.3% | ||
| Q1 25 | 6.1% | 9.6% | ||
| Q4 24 | 9.1% | 0.9% | ||
| Q3 24 | 7.2% | 1.0% | ||
| Q2 24 | 5.5% | 1.2% | ||
| Q1 24 | 3.3% | 1.1% |
现金转化率PFSTFSL
| Q4 25 | — | 2.64× | ||
| Q3 25 | 1.37× | -0.43× | ||
| Q2 25 | 2.59× | 1.24× | ||
| Q1 25 | 1.38× | 1.01× | ||
| Q4 24 | — | 2.03× | ||
| Q3 24 | 1.49× | -3.22× | ||
| Q2 24 | — | 4.85× | ||
| Q1 24 | 1.29× | 0.69× |
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
PFS
| Wealth Management Fees | $7.6M | 42% |
| Deposit Account | $5.3M | 29% |
| Insurance Commissions And Fees | $3.9M | 21% |
| Debit Card | $1.4M | 8% |
TFSL
暂无分部数据
