vs
PROVIDENT FINANCIAL HOLDINGS INC（PROV）与TRANSACT TECHNOLOGIES INC（TACT）财务数据对比。点击上方公司名可切换其他公司
TRANSACT TECHNOLOGIES INC的季度营收约是PROVIDENT FINANCIAL HOLDINGS INC的1.2倍（$11.5M vs $9.8M），TRANSACT TECHNOLOGIES INC同比增速更快（11.9% vs 2.5%），PROVIDENT FINANCIAL HOLDINGS INC自由现金流更多（$1.0M vs $589.0K），过去两年TRANSACT TECHNOLOGIES INC的营收复合增速更高（3.5% 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。
该公司相关归属主体罗珀技术公司是一家控股集团，主要投资控股科技领域的各类企业，业务覆盖多个科技细分赛道，依托旗下子公司开展多元化科技业务布局。
PROV vs TACT — 直观对比
营收规模更大
TACT
是对方的1.2倍
$9.8M
营收增速更快
TACT
高出9.5%
2.5%
自由现金流更多
PROV
多$443.0K
$589.0K
两年增速更快
TACT
近两年复合增速
2.3%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $9.8M | $11.5M |
| 净利润 | $1.4M | — |
| 毛利率 | — | 47.6% |
| 营业利润率 | 20.8% | -10.1% |
| 净利率 | 14.6% | — |
| 营收同比 | 2.5% | 11.9% |
| 净利润同比 | 64.7% | — |
| 每股收益（稀释后） | $0.22 | $-0.11 |
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PROVTACT
| Q4 25 | $9.8M | $11.5M | ||
| Q3 25 | $9.7M | $13.2M | ||
| Q2 25 | $9.8M | $13.8M | ||
| Q1 25 | $10.1M | $13.1M | ||
| Q4 24 | $9.6M | $10.2M | ||
| Q3 24 | $9.5M | $10.9M | ||
| Q2 24 | $9.9M | $11.6M | ||
| Q1 24 | $9.4M | $10.7M |
净利润PROVTACT
| Q4 25 | $1.4M | — | ||
| Q3 25 | $1.7M | $15.0K | ||
| Q2 25 | $1.6M | $-143.0K | ||
| Q1 25 | $1.9M | $19.0K | ||
| Q4 24 | $872.0K | — | ||
| Q3 24 | $1.9M | $-551.0K | ||
| Q2 24 | $2.0M | $-319.0K | ||
| Q1 24 | $1.5M | $-1.0M |
毛利率PROVTACT
| Q4 25 | — | 47.6% | ||
| Q3 25 | — | 49.8% | ||
| Q2 25 | — | 48.2% | ||
| Q1 25 | — | 48.7% | ||
| Q4 24 | — | 44.2% | ||
| Q3 24 | — | 48.1% | ||
| Q2 24 | — | 52.7% | ||
| Q1 24 | — | 52.6% |
营业利润率PROVTACT
| Q4 25 | 20.8% | -10.1% | ||
| Q3 25 | 28.1% | 0.1% | ||
| Q2 25 | 23.6% | -1.9% | ||
| Q1 25 | 26.2% | -0.1% | ||
| Q4 24 | 12.7% | -10.3% | ||
| Q3 24 | 28.3% | -7.7% | ||
| Q2 24 | 27.8% | -3.8% | ||
| Q1 24 | 22.5% | -12.2% |
净利率PROVTACT
| Q4 25 | 14.6% | — | ||
| Q3 25 | 17.3% | 0.1% | ||
| Q2 25 | 16.7% | -1.0% | ||
| Q1 25 | 18.4% | 0.1% | ||
| Q4 24 | 9.1% | — | ||
| Q3 24 | 20.0% | -5.1% | ||
| Q2 24 | 19.7% | -2.8% | ||
| Q1 24 | 15.9% | -9.7% |
每股收益（稀释后）PROVTACT
| Q4 25 | $0.22 | $-0.11 | ||
| Q3 25 | $0.25 | $0.00 | ||
| Q2 25 | $0.24 | $-0.01 | ||
| Q1 25 | $0.28 | $0.00 | ||
| Q4 24 | $0.13 | $-0.80 | ||
| Q3 24 | $0.28 | $-0.06 | ||
| Q2 24 | $0.28 | $-0.03 | ||
| Q1 24 | $0.22 | $-0.10 |
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 | $20.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $127.5M | $31.1M |
| 总资产 | $1.2B | $44.8M |
| 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PROVTACT
| Q4 25 | $54.4M | $20.4M | ||
| Q3 25 | $49.4M | $20.0M | ||
| Q2 25 | $53.1M | $17.7M | ||
| Q1 25 | $50.9M | $14.2M | ||
| Q4 24 | $45.5M | $14.4M | ||
| Q3 24 | $48.2M | $11.3M | ||
| Q2 24 | $51.4M | $11.1M | ||
| Q1 24 | $51.7M | $10.6M |
股东权益PROVTACT
| Q4 25 | $127.5M | $31.1M | ||
| Q3 25 | $128.4M | $31.8M | ||
| Q2 25 | $128.5M | $31.3M | ||
| Q1 25 | $128.9M | $30.9M | ||
| Q4 24 | $128.6M | $30.6M | ||
| Q3 24 | $129.6M | $38.4M | ||
| Q2 24 | $129.9M | $38.5M | ||
| Q1 24 | $129.5M | $38.6M |
总资产PROVTACT
| Q4 25 | $1.2B | $44.8M | ||
| Q3 25 | $1.2B | $45.0M | ||
| Q2 25 | $1.2B | $44.5M | ||
| Q1 25 | $1.3B | $44.2M | ||
| Q4 24 | $1.3B | $44.0M | ||
| Q3 24 | $1.3B | $50.5M | ||
| Q2 24 | $1.3B | $50.4M | ||
| Q1 24 | $1.3B | $51.9M |
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 | $609.0K |
| 自由现金流经营现金流 - 资本支出 | $1.0M | $589.0K |
| 自由现金流率自由现金流/营收 | 10.5% | 5.1% |
| 资本支出强度资本支出/营收 | 1.9% | 0.2% |
| 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 | $7.6M |
8季度趋势，按日历期对齐
经营现金流PROVTACT
| Q4 25 | $1.2M | $609.0K | ||
| Q3 25 | $2.5M | $3.6M | ||
| Q2 25 | $8.7M | $3.6M | ||
| Q1 25 | $3.3M | $-161.0K | ||
| Q4 24 | $324.0K | $2.4M | ||
| Q3 24 | $2.6M | $327.0K | ||
| Q2 24 | $5.7M | $636.0K | ||
| Q1 24 | $3.0M | $-1.5M |
自由现金流PROVTACT
| Q4 25 | $1.0M | $589.0K | ||
| Q3 25 | $2.5M | $3.6M | ||
| Q2 25 | $8.2M | $3.6M | ||
| Q1 25 | $3.3M | $-171.0K | ||
| Q4 24 | $307.0K | $2.4M | ||
| Q3 24 | $2.4M | $259.0K | ||
| Q2 24 | $4.1M | $499.0K | ||
| Q1 24 | $2.6M | $-1.6M |
自由现金流率PROVTACT
| Q4 25 | 10.5% | 5.1% | ||
| Q3 25 | 25.2% | 27.1% | ||
| Q2 25 | 83.5% | 25.9% | ||
| Q1 25 | 32.5% | -1.3% | ||
| Q4 24 | 3.2% | 23.2% | ||
| Q3 24 | 25.1% | 2.4% | ||
| Q2 24 | 41.3% | 4.3% | ||
| Q1 24 | 27.5% | -14.9% |
资本支出强度PROVTACT
| Q4 25 | 1.9% | 0.2% | ||
| Q3 25 | 0.5% | 0.5% | ||
| Q2 25 | 5.4% | 0.1% | ||
| Q1 25 | 0.3% | 0.1% | ||
| Q4 24 | 0.2% | 0.1% | ||
| Q3 24 | 1.8% | 0.6% | ||
| Q2 24 | 16.0% | 1.2% | ||
| Q1 24 | 4.2% | 1.0% |
现金转化率PROVTACT
| Q4 25 | 0.85× | — | ||
| Q3 25 | 1.48× | 242.00× | ||
| Q2 25 | 5.34× | — | ||
| Q1 25 | 1.79× | -8.47× | ||
| 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
