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PROVIDENT FINANCIAL HOLDINGS INC（PROV）与Rocky Mountain Chocolate Factory, Inc.（RMCF）财务数据对比。点击上方公司名可切换其他公司
PROVIDENT FINANCIAL HOLDINGS INC的季度营收约是Rocky Mountain Chocolate Factory, Inc.的1.3倍（$9.8M vs $7.5M），PROVIDENT FINANCIAL HOLDINGS INC净利率更高（14.6% vs -2.1%，领先16.6%），PROVIDENT FINANCIAL HOLDINGS INC同比增速更快（2.5% vs -4.4%），PROVIDENT FINANCIAL HOLDINGS INC自由现金流更多（$1.0M vs $-1.3M），过去两年PROVIDENT FINANCIAL HOLDINGS INC的营收复合增速更高（2.3% vs 1.9%）
普罗维登特金融控股公司是一家银行控股企业，通过旗下全资子公司普罗维登特储蓄银行开展业务，为美国加利福尼亚州当地社区提供各类存款、住房抵押贷款、消费贷款、小微企业融资等零售及商业金融服务。
落基山巧克力厂是美国知名巧克力企业，同时开展国际特许经营业务，集糖果生产与零售运营于一体，总部位于美国科罗拉多州杜兰戈，除美国本土门店外，在巴拿马、菲律宾也设有经营网点。
PROV vs RMCF — 直观对比
损益表 — Q2 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $9.8M | $7.5M |
| 净利润 | $1.4M | $-155.0K |
| 毛利率 | — | 34.0% |
| 营业利润率 | 20.8% | 1.1% |
| 净利率 | 14.6% | -2.1% |
| 营收同比 | 2.5% | -4.4% |
| 净利润同比 | 64.7% | 81.7% |
| 每股收益（稀释后） | $0.22 | $-0.02 |
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
| Q4 25 | $9.8M | $7.5M | ||
| Q3 25 | $9.7M | $6.8M | ||
| Q2 25 | $9.8M | $6.4M | ||
| Q1 25 | $10.1M | $8.9M | ||
| Q4 24 | $9.6M | $7.9M | ||
| Q3 24 | $9.5M | $6.4M | ||
| Q2 24 | $9.9M | $6.4M | ||
| Q1 24 | $9.4M | $7.3M |
| Q4 25 | $1.4M | $-155.0K | ||
| Q3 25 | $1.7M | $-662.0K | ||
| Q2 25 | $1.6M | $-324.0K | ||
| Q1 25 | $1.9M | $-2.9M | ||
| Q4 24 | $872.0K | $-847.0K | ||
| Q3 24 | $1.9M | $-722.0K | ||
| Q2 24 | $2.0M | $-1.7M | ||
| Q1 24 | $1.5M | $-1.6M |
| Q4 25 | — | 34.0% | ||
| Q3 25 | — | 23.6% | ||
| Q2 25 | — | 31.1% | ||
| Q1 25 | — | 10.8% | ||
| Q4 24 | — | 23.4% | ||
| Q3 24 | — | 31.8% | ||
| Q2 24 | — | 12.8% | ||
| Q1 24 | — | 24.3% |
| Q4 25 | 20.8% | 1.1% | ||
| Q3 25 | 28.1% | -7.0% | ||
| Q2 25 | 23.6% | -2.3% | ||
| Q1 25 | 26.2% | -30.3% | ||
| Q4 24 | 12.7% | -8.9% | ||
| Q3 24 | 28.3% | -14.3% | ||
| Q2 24 | 27.8% | -25.4% | ||
| Q1 24 | 22.5% | -21.7% |
| Q4 25 | 14.6% | -2.1% | ||
| Q3 25 | 17.3% | -9.7% | ||
| Q2 25 | 16.7% | -5.1% | ||
| Q1 25 | 18.4% | -32.5% | ||
| Q4 24 | 9.1% | -10.7% | ||
| Q3 24 | 20.0% | -11.3% | ||
| Q2 24 | 19.7% | -25.9% | ||
| Q1 24 | 15.9% | -21.9% |
| Q4 25 | $0.22 | $-0.02 | ||
| Q3 25 | $0.25 | $-0.09 | ||
| Q2 25 | $0.24 | $-0.04 | ||
| Q1 25 | $0.28 | $-0.38 | ||
| Q4 24 | $0.13 | $-0.11 | ||
| Q3 24 | $0.28 | $-0.11 | ||
| Q2 24 | $0.28 | $-0.26 | ||
| Q1 24 | $0.22 | $-0.25 |
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 | $54.4M | $641.0K |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $127.5M | $6.0M |
| 总资产 | $1.2B | $20.7M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
| Q4 25 | $54.4M | $641.0K | ||
| Q3 25 | $49.4M | $2.0M | ||
| Q2 25 | $53.1M | $893.0K | ||
| Q1 25 | $50.9M | $720.0K | ||
| Q4 24 | $45.5M | $1.1M | ||
| Q3 24 | $48.2M | $973.0K | ||
| Q2 24 | $51.4M | $637.0K | ||
| Q1 24 | $51.7M | $2.1M |
| Q4 25 | $127.5M | $6.0M | ||
| Q3 25 | $128.4M | $6.1M | ||
| Q2 25 | $128.5M | $6.7M | ||
| Q1 25 | $128.9M | $7.0M | ||
| Q4 24 | $128.6M | $9.8M | ||
| Q3 24 | $129.6M | $10.5M | ||
| Q2 24 | $129.9M | $9.0M | ||
| Q1 24 | $129.5M | $10.6M |
| Q4 25 | $1.2B | $20.7M | ||
| Q3 25 | $1.2B | $22.3M | ||
| Q2 25 | $1.2B | $20.1M | ||
| Q1 25 | $1.3B | $21.2M | ||
| Q4 24 | $1.3B | $21.6M | ||
| Q3 24 | $1.3B | $21.1M | ||
| Q2 24 | $1.3B | $19.0M | ||
| Q1 24 | $1.3B | $20.6M |
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 | $1.2M | $-1.2M |
| 自由现金流经营现金流 - 资本支出 | $1.0M | $-1.3M |
| 自由现金流率自由现金流/营收 | 10.5% | -16.9% |
| 资本支出强度资本支出/营收 | 1.9% | 0.5% |
| 现金转化率经营现金流/净利润 | 0.85× | — |
| 过去12个月自由现金流最近4个季度 | $14.9M | — |
8季度趋势，按日历期对齐
| Q4 25 | $1.2M | $-1.2M | ||
| Q3 25 | $2.5M | $-488.0K | ||
| Q2 25 | $8.7M | $350.0K | ||
| Q1 25 | $3.3M | $1.2M | ||
| Q4 24 | $324.0K | $-2.1M | ||
| Q3 24 | $2.6M | $-3.5M | ||
| Q2 24 | $5.7M | $-2.2M | ||
| Q1 24 | $3.0M | $129.0K |
| Q4 25 | $1.0M | $-1.3M | ||
| Q3 25 | $2.5M | $-544.0K | ||
| Q2 25 | $8.2M | $182.0K | ||
| Q1 25 | $3.3M | — | ||
| Q4 24 | $307.0K | — | ||
| Q3 24 | $2.4M | $-4.6M | ||
| Q2 24 | $4.1M | $-2.6M | ||
| Q1 24 | $2.6M | $-352.3K |
| Q4 25 | 10.5% | -16.9% | ||
| Q3 25 | 25.2% | -8.0% | ||
| Q2 25 | 83.5% | 2.9% | ||
| Q1 25 | 32.5% | — | ||
| Q4 24 | 3.2% | — | ||
| Q3 24 | 25.1% | -72.6% | ||
| Q2 24 | 41.3% | -40.2% | ||
| Q1 24 | 27.5% | -4.9% |
| Q4 25 | 1.9% | 0.5% | ||
| Q3 25 | 0.5% | 0.8% | ||
| Q2 25 | 5.4% | 2.6% | ||
| Q1 25 | 0.3% | — | ||
| Q4 24 | 0.2% | — | ||
| Q3 24 | 1.8% | 17.5% | ||
| Q2 24 | 16.0% | 6.5% | ||
| Q1 24 | 4.2% | 6.6% |
| Q4 25 | 0.85× | — | ||
| Q3 25 | 1.48× | — | ||
| Q2 25 | 5.34× | — | ||
| Q1 25 | 1.79× | — | ||
| Q4 24 | 0.37× | — | ||
| Q3 24 | 1.35× | — | ||
| Q2 24 | 2.91× | — | ||
| Q1 24 | 2.00× | — |
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
PROV
暂无分部数据
RMCF
| Manufacturing | $5.9M | 78% |
| Transferred At Point In Time | $1.2M | 16% |
| Other | $414.0K | 5% |
