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Side-by-side financial comparison of Pioneer Bancorp, Inc. (PBFS) and Red Violet, Inc. (RDVT). Click either name above to swap in a different company.
Pioneer Bancorp, Inc. is the larger business by last-quarter revenue ($25.0M vs $23.4M, roughly 1.1× Red Violet, Inc.). Pioneer Bancorp, Inc. runs the higher net margin — 82.1% vs 12.0%, a 70.1% gap on every dollar of revenue. Over the past eight quarters, Pioneer Bancorp, Inc.'s revenue compounded faster (144.9% CAGR vs 15.6%).
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.
Red Violet, Inc. is a technology firm specializing in advanced data analytics, risk mitigation, and identity verification solutions. It serves clients across law enforcement, financial services, insurance, and corporate compliance sectors, delivering actionable insights from curated public and proprietary data sets to support informed decision-making.
PBFS vs RDVT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.0M | $23.4M |
| Net Profit | $3.7M | $2.8M |
| Gross Margin | — | — |
| Operating Margin | 21.3% | 6.8% |
| Net Margin | 82.1% | 12.0% |
| Revenue YoY | — | 19.6% |
| Net Profit YoY | — | 226.2% |
| EPS (diluted) | $0.16 | $0.20 |
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.
| Q4 25 | $25.0M | $23.4M | ||
| Q3 25 | $24.0M | $23.1M | ||
| Q2 25 | $24.4M | $21.8M | ||
| Q1 25 | $22.8M | $22.0M | ||
| Q4 24 | — | $19.6M | ||
| Q3 24 | $22.0M | $19.1M | ||
| Q2 24 | $20.9M | $19.1M | ||
| Q1 24 | $21.6M | $17.5M |
| Q4 25 | $3.7M | $2.8M | ||
| Q3 25 | $4.3M | $4.2M | ||
| Q2 25 | $6.5M | $2.7M | ||
| Q1 25 | $5.8M | $3.4M | ||
| Q4 24 | — | $863.0K | ||
| Q3 24 | $6.3M | $1.7M | ||
| Q2 24 | $3.9M | $2.6M | ||
| Q1 24 | $4.7M | $1.8M |
| Q4 25 | 21.3% | 6.8% | ||
| Q3 25 | 23.4% | 19.8% | ||
| Q2 25 | 33.3% | 12.6% | ||
| Q1 25 | 32.5% | 19.1% | ||
| Q4 24 | — | 1.9% | ||
| Q3 24 | 37.2% | 13.1% | ||
| Q2 24 | 24.1% | 16.1% | ||
| Q1 24 | 28.1% | 11.3% |
| Q4 25 | 82.1% | 12.0% | ||
| Q3 25 | 18.0% | 18.3% | ||
| Q2 25 | 26.4% | 12.3% | ||
| Q1 25 | 25.3% | 15.6% | ||
| Q4 24 | — | 4.4% | ||
| Q3 24 | 28.7% | 9.0% | ||
| Q2 24 | 107.4% | 13.8% | ||
| Q1 24 | 21.9% | 10.2% |
| Q4 25 | $0.16 | $0.20 | ||
| Q3 25 | $0.18 | $0.29 | ||
| Q2 25 | $0.26 | $0.18 | ||
| Q1 25 | $0.23 | $0.24 | ||
| Q4 24 | — | $0.06 | ||
| Q3 24 | $0.25 | $0.12 | ||
| Q2 24 | $0.15 | $0.19 | ||
| Q1 24 | $0.19 | $0.13 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $43.6M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $323.9M | $100.9M |
| Total Assets | $2.2B | $112.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $43.6M | ||
| Q3 25 | — | $45.4M | ||
| Q2 25 | — | $38.8M | ||
| Q1 25 | — | $34.6M | ||
| Q4 24 | — | $36.5M | ||
| Q3 24 | — | $35.7M | ||
| Q2 24 | — | $30.9M | ||
| Q1 24 | — | $32.1M |
| Q4 25 | $323.9M | $100.9M | ||
| Q3 25 | $314.2M | $101.7M | ||
| Q2 25 | $314.2M | $96.2M | ||
| Q1 25 | $310.7M | $91.8M | ||
| Q4 24 | — | $86.6M | ||
| Q3 24 | $303.8M | $91.7M | ||
| Q2 24 | $296.5M | $88.0M | ||
| Q1 24 | $289.0M | $83.8M |
| Q4 25 | $2.2B | $112.0M | ||
| Q3 25 | $2.2B | $112.1M | ||
| Q2 25 | $2.1B | $104.8M | ||
| Q1 25 | $2.1B | $99.1M | ||
| Q4 24 | — | $98.5M | ||
| Q3 24 | $2.0B | $98.0M | ||
| Q2 24 | — | $93.5M | ||
| Q1 24 | $2.0B | $94.0M |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $11.1M | $6.7M |
| Free Cash FlowOCF − Capex | — | $6.6M |
| FCF MarginFCF / Revenue | — | 28.1% |
| Capex IntensityCapex / Revenue | — | 0.5% |
| Cash ConversionOCF / Net Profit | 2.97× | 2.38× |
| TTM Free Cash FlowTrailing 4 quarters | — | $28.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $11.1M | $6.7M | ||
| Q3 25 | $3.9M | $10.2M | ||
| Q2 25 | $5.1M | $7.5M | ||
| Q1 25 | $-3.5M | $5.0M | ||
| Q4 24 | — | $6.7M | ||
| Q3 24 | $1.9M | $7.2M | ||
| Q2 24 | $9.0M | $5.7M | ||
| Q1 24 | $3.3M | $4.3M |
| Q4 25 | — | $6.6M | ||
| Q3 25 | — | $10.0M | ||
| Q2 25 | — | $7.3M | ||
| Q1 25 | — | $5.0M | ||
| Q4 24 | — | $6.7M | ||
| Q3 24 | — | $7.2M | ||
| Q2 24 | — | $5.7M | ||
| Q1 24 | — | $4.2M |
| Q4 25 | — | 28.1% | ||
| Q3 25 | — | 43.3% | ||
| Q2 25 | — | 33.5% | ||
| Q1 25 | — | 22.5% | ||
| Q4 24 | — | 34.1% | ||
| Q3 24 | — | 37.8% | ||
| Q2 24 | — | 29.7% | ||
| Q1 24 | — | 24.2% |
| Q4 25 | — | 0.5% | ||
| Q3 25 | — | 0.8% | ||
| Q2 25 | — | 0.9% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 0.1% | ||
| Q3 24 | — | 0.2% | ||
| Q2 24 | — | 0.3% | ||
| Q1 24 | — | 0.4% |
| Q4 25 | 2.97× | 2.38× | ||
| Q3 25 | 0.90× | 2.41× | ||
| Q2 25 | 0.78× | 2.79× | ||
| Q1 25 | -0.61× | 1.45× | ||
| Q4 24 | — | 7.75× | ||
| Q3 24 | 0.30× | 4.22× | ||
| Q2 24 | 2.30× | 2.17× | ||
| Q1 24 | 0.70× | 2.41× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
