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PROVIDENT FINANCIAL HOLDINGS INC（PROV）与RIVERVIEW BANCORP INC（RVSB）财务数据对比。点击上方公司名可切换其他公司
RIVERVIEW BANCORP INC的季度营收约是PROVIDENT FINANCIAL HOLDINGS INC的1.4倍（$14.0M vs $9.8M），PROVIDENT FINANCIAL HOLDINGS INC净利率更高（14.6% vs 9.8%，领先4.8%），RIVERVIEW BANCORP INC同比增速更快（10.4% vs 2.5%），PROVIDENT FINANCIAL HOLDINGS INC自由现金流更多（$1.0M vs $-736.0K），过去两年RIVERVIEW BANCORP INC的营收复合增速更高（24.6% vs 2.3%）
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。
Riverview Bancorp Inc.是一家总部位于美国的银行控股公司，主营个人与商业银行业务，服务覆盖太平洋西北地区，提供存款、消费贷款、住房抵押贷款、商业信贷及小企业金融等产品，服务零售客户与本地企业群体。
PROV vs RVSB — 直观对比
营收规模更大
RVSB
是对方的1.4倍
$9.8M
营收增速更快
RVSB
高出7.9%
2.5%
净利率更高
PROV
高出4.8%
9.8%
自由现金流更多
PROV
多$1.8M
$-736.0K
两年增速更快
RVSB
近两年复合增速
2.3%
损益表 — Q2 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $9.8M | $14.0M |
| 净利润 | $1.4M | $1.4M |
| 毛利率 | — | — |
| 营业利润率 | 20.8% | 12.4% |
| 净利率 | 14.6% | 9.8% |
| 营收同比 | 2.5% | 10.4% |
| 净利润同比 | 64.7% | 11.8% |
| 每股收益（稀释后） | $0.22 | $0.07 |
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PROVRVSB
| Q4 25 | $9.8M | $14.0M | ||
| Q3 25 | $9.7M | $13.6M | ||
| Q2 25 | $9.8M | $13.3M | ||
| Q1 25 | $10.1M | $12.9M | ||
| Q4 24 | $9.6M | $12.7M | ||
| Q3 24 | $9.5M | $12.8M | ||
| Q2 24 | $9.9M | $12.2M | ||
| Q1 24 | $9.4M | $9.0M |
净利润PROVRVSB
| Q4 25 | $1.4M | $1.4M | ||
| Q3 25 | $1.7M | $1.1M | ||
| Q2 25 | $1.6M | $1.2M | ||
| Q1 25 | $1.9M | $1.1M | ||
| Q4 24 | $872.0K | $1.2M | ||
| Q3 24 | $1.9M | $1.6M | ||
| Q2 24 | $2.0M | $966.0K | ||
| Q1 24 | $1.5M | $-3.0M |
营业利润率PROVRVSB
| Q4 25 | 20.8% | 12.4% | ||
| Q3 25 | 28.1% | 10.2% | ||
| Q2 25 | 23.6% | 11.7% | ||
| Q1 25 | 26.2% | 11.3% | ||
| Q4 24 | 12.7% | 12.4% | ||
| Q3 24 | 28.3% | 15.5% | ||
| Q2 24 | 27.8% | 10.0% | ||
| Q1 24 | 22.5% | -47.5% |
净利率PROVRVSB
| Q4 25 | 14.6% | 9.8% | ||
| Q3 25 | 17.3% | 8.1% | ||
| Q2 25 | 16.7% | 9.2% | ||
| Q1 25 | 18.4% | 8.9% | ||
| Q4 24 | 9.1% | 9.7% | ||
| Q3 24 | 20.0% | 12.2% | ||
| Q2 24 | 19.7% | 7.9% | ||
| Q1 24 | 15.9% | -34.7% |
每股收益（稀释后）PROVRVSB
| Q4 25 | $0.22 | $0.07 | ||
| Q3 25 | $0.25 | $0.05 | ||
| Q2 25 | $0.24 | $0.06 | ||
| Q1 25 | $0.28 | $0.05 | ||
| Q4 24 | $0.13 | $0.06 | ||
| Q3 24 | $0.28 | $0.07 | ||
| Q2 24 | $0.28 | $0.05 | ||
| Q1 24 | $0.22 | $-0.14 |
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 | $28.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $127.5M | $164.2M |
| 总资产 | $1.2B | $1.5B |
| 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PROVRVSB
| Q4 25 | $54.4M | $28.6M | ||
| Q3 25 | $49.4M | $32.8M | ||
| Q2 25 | $53.1M | $34.2M | ||
| Q1 25 | $50.9M | $29.4M | ||
| Q4 24 | $45.5M | $25.3M | ||
| Q3 24 | $48.2M | $31.0M | ||
| Q2 24 | $51.4M | $27.8M | ||
| Q1 24 | $51.7M | $23.6M |
股东权益PROVRVSB
| Q4 25 | $127.5M | $164.2M | ||
| Q3 25 | $128.4M | $163.5M | ||
| Q2 25 | $128.5M | $162.0M | ||
| Q1 25 | $128.9M | $160.0M | ||
| Q4 24 | $128.6M | $158.3M | ||
| Q3 24 | $129.6M | $160.8M | ||
| Q2 24 | $129.9M | $155.9M | ||
| Q1 24 | $129.5M | $155.6M |
总资产PROVRVSB
| Q4 25 | $1.2B | $1.5B | ||
| Q3 25 | $1.2B | $1.5B | ||
| Q2 25 | $1.2B | $1.5B | ||
| Q1 25 | $1.3B | $1.5B | ||
| Q4 24 | $1.3B | $1.5B | ||
| Q3 24 | $1.3B | $1.5B | ||
| Q2 24 | $1.3B | $1.5B | ||
| Q1 24 | $1.3B | $1.5B |
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 | $-506.0K |
| 自由现金流经营现金流 - 资本支出 | $1.0M | $-736.0K |
| 自由现金流率自由现金流/营收 | 10.5% | -5.2% |
| 资本支出强度资本支出/营收 | 1.9% | 1.6% |
| 现金转化率经营现金流/净利润 | 0.85× | -0.37× |
| 过去12个月自由现金流最近4个季度 | $14.9M | $20.4M |
8季度趋势，按日历期对齐
经营现金流PROVRVSB
| Q4 25 | $1.2M | $-506.0K | ||
| Q3 25 | $2.5M | $16.8M | ||
| Q2 25 | $8.7M | $-697.0K | ||
| Q1 25 | $3.3M | $8.3M | ||
| Q4 24 | $324.0K | $2.2M | ||
| Q3 24 | $2.6M | $764.0K | ||
| Q2 24 | $5.7M | $5.4M | ||
| Q1 24 | $3.0M | $12.8M |
自由现金流PROVRVSB
| Q4 25 | $1.0M | $-736.0K | ||
| Q3 25 | $2.5M | $16.4M | ||
| Q2 25 | $8.2M | $-773.0K | ||
| Q1 25 | $3.3M | $5.6M | ||
| Q4 24 | $307.0K | $1.9M | ||
| Q3 24 | $2.4M | $-1.4M | ||
| Q2 24 | $4.1M | $5.3M | ||
| Q1 24 | $2.6M | $7.1M |
自由现金流率PROVRVSB
| Q4 25 | 10.5% | -5.2% | ||
| Q3 25 | 25.2% | 120.1% | ||
| Q2 25 | 83.5% | -5.8% | ||
| Q1 25 | 32.5% | 43.1% | ||
| Q4 24 | 3.2% | 15.0% | ||
| Q3 24 | 25.1% | -11.3% | ||
| Q2 24 | 41.3% | 43.7% | ||
| Q1 24 | 27.5% | 79.0% |
资本支出强度PROVRVSB
| Q4 25 | 1.9% | 1.6% | ||
| Q3 25 | 0.5% | 2.9% | ||
| Q2 25 | 5.4% | 0.6% | ||
| Q1 25 | 0.3% | 21.0% | ||
| Q4 24 | 0.2% | 2.4% | ||
| Q3 24 | 1.8% | 17.3% | ||
| Q2 24 | 16.0% | 0.9% | ||
| Q1 24 | 4.2% | 62.0% |
现金转化率PROVRVSB
| Q4 25 | 0.85× | -0.37× | ||
| Q3 25 | 1.48× | 15.25× | ||
| Q2 25 | 5.34× | -0.57× | ||
| Q1 25 | 1.79× | 7.20× | ||
| Q4 24 | 0.37× | 1.79× | ||
| Q3 24 | 1.35× | 0.49× | ||
| Q2 24 | 2.91× | 5.63× | ||
| 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
