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Side-by-side financial comparison of Ellomay Capital Ltd. (ELLO) and Pioneer Bancorp, Inc. (PBFS). Click either name above to swap in a different company.

Pioneer Bancorp, Inc. is the larger business by last-quarter revenue ($25.0M vs $20.1M, roughly 1.2× Ellomay Capital Ltd.).

Ellomay Capital Ltd is a renewable energy enterprise focused on the development, ownership, and operation of clean power assets. Its portfolio includes solar photovoltaic projects, onshore wind farms, and pumped storage hydroelectric facilities, with core operations across Israel and key European markets, delivering low-carbon energy to both commercial and residential end consumers.

Pioneer Bancorp, Inc. (MD) is a bank holding company operating as the parent entity of Pioneer Bank. It provides a full suite of retail and commercial banking products and services, including deposit accounts, residential and commercial mortgages, consumer loans, and small business financing, primarily serving individual and corporate customers across local communities in Maryland, U.S.

ELLO vs PBFS — Head-to-Head

Bigger by revenue
PBFS
PBFS
1.2× larger
PBFS
$25.0M
$20.1M
ELLO

Income Statement — Q2 FY2025 vs Q4 FY2025

Metric
ELLO
ELLO
PBFS
PBFS
Revenue
$20.1M
$25.0M
Net Profit
$3.7M
Gross Margin
12.1%
Operating Margin
-11.8%
21.3%
Net Margin
82.1%
Revenue YoY
Net Profit YoY
EPS (diluted)
$0.16

Green = leading value per metric. Periods may differ when fiscal calendars don't align.

8-Quarter Revenue & Profit Trend

Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.

Revenue
ELLO
ELLO
PBFS
PBFS
Q4 25
$25.0M
Q3 25
$24.0M
Q2 25
$20.1M
$24.4M
Q1 25
$22.8M
Q3 24
$22.0M
Q2 24
$19.5M
$20.9M
Q1 24
$21.6M
Q4 23
$4.2M
Net Profit
ELLO
ELLO
PBFS
PBFS
Q4 25
$3.7M
Q3 25
$4.3M
Q2 25
$6.5M
Q1 25
$5.8M
Q3 24
$6.3M
Q2 24
$3.9M
Q1 24
$4.7M
Q4 23
$3.2M
Gross Margin
ELLO
ELLO
PBFS
PBFS
Q4 25
Q3 25
Q2 25
12.1%
Q1 25
Q3 24
Q2 24
8.7%
Q1 24
Q4 23
Operating Margin
ELLO
ELLO
PBFS
PBFS
Q4 25
21.3%
Q3 25
23.4%
Q2 25
-11.8%
33.3%
Q1 25
32.5%
Q3 24
37.2%
Q2 24
-9.3%
24.1%
Q1 24
28.1%
Q4 23
96.1%
Net Margin
ELLO
ELLO
PBFS
PBFS
Q4 25
82.1%
Q3 25
18.0%
Q2 25
26.4%
Q1 25
25.3%
Q3 24
28.7%
Q2 24
107.4%
Q1 24
21.9%
Q4 23
76.4%
EPS (diluted)
ELLO
ELLO
PBFS
PBFS
Q4 25
$0.16
Q3 25
$0.18
Q2 25
$0.26
Q1 25
$0.23
Q3 24
$0.25
Q2 24
$0.15
Q1 24
$0.19
Q4 23
$0.13

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
ELLO
ELLO
PBFS
PBFS
Cash + ST InvestmentsLiquidity on hand
$54.5M
Total DebtLower is stronger
Stockholders' EquityBook value
$171.5M
$323.9M
Total Assets
$855.5M
$2.2B
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
ELLO
ELLO
PBFS
PBFS
Q4 25
Q3 25
Q2 25
$54.5M
Q1 25
Q3 24
Q2 24
$59.9M
Q1 24
Q4 23
Stockholders' Equity
ELLO
ELLO
PBFS
PBFS
Q4 25
$323.9M
Q3 25
$314.2M
Q2 25
$171.5M
$314.2M
Q1 25
$310.7M
Q3 24
$303.8M
Q2 24
$136.3M
$296.5M
Q1 24
$289.0M
Q4 23
$283.8M
Total Assets
ELLO
ELLO
PBFS
PBFS
Q4 25
$2.2B
Q3 25
$2.2B
Q2 25
$855.5M
$2.1B
Q1 25
$2.1B
Q3 24
$2.0B
Q2 24
$678.9M
Q1 24
$2.0B
Q4 23
$1.9B

Cash Flow & Capital Efficiency

How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.

Metric
ELLO
ELLO
PBFS
PBFS
Operating Cash FlowLast quarter
$5.1K
$11.1M
Free Cash FlowOCF − Capex
FCF MarginFCF / Revenue
Capex IntensityCapex / Revenue
Cash ConversionOCF / Net Profit
2.97×
TTM Free Cash FlowTrailing 4 quarters

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
ELLO
ELLO
PBFS
PBFS
Q4 25
$11.1M
Q3 25
$3.9M
Q2 25
$5.1K
$5.1M
Q1 25
$-3.5M
Q3 24
$1.9M
Q2 24
$468.0K
$9.0M
Q1 24
$3.3M
Q4 23
$-943.0K
Cash Conversion
ELLO
ELLO
PBFS
PBFS
Q4 25
2.97×
Q3 25
0.90×
Q2 25
0.78×
Q1 25
-0.61×
Q3 24
0.30×
Q2 24
2.30×
Q1 24
0.70×
Q4 23
-0.30×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

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