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Affinity Bancshares, Inc.（AFBI）与Pioneer Bancorp, Inc.（PBFS）财务数据对比。点击上方公司名可切换其他公司
Affinity Bancshares, Inc.的季度营收约是Pioneer Bancorp, Inc.的1.8倍（$8.3M vs $4.6M）。Pioneer Bancorp, Inc.净利率更高（82.1% vs 25.8%，领先56.3%）。过去两年Affinity Bancshares, Inc.的营收复合增速更高（10.6% vs 4.5%）
先锋银行控股公司（马里兰州）是一家美国银行控股企业，为先锋银行的母公司，主要面向马里兰州本地社区用户提供零售及商业银行服务，涵盖存款账户、住房与商业抵押贷款、消费贷款及小微企业融资等产品。
AFBI vs PBFS — 直观对比
营收规模更大
AFBI
是对方的1.8倍
$4.6M
净利率更高
PBFS
高出56.3%
25.8%
两年增速更快
AFBI
近两年复合增速
4.5%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $8.3M | $4.6M |
| 净利润 | $2.1M | $3.7M |
| 毛利率 | — | — |
| 营业利润率 | 37.3% | — |
| 净利率 | 25.8% | 82.1% |
| 营收同比 | 11.0% | — |
| 净利润同比 | 58.5% | — |
| 每股收益（稀释后） | $0.34 | $0.16 |
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AFBIPBFS
| Q4 25 | $8.3M | $4.6M | ||
| Q3 25 | $7.8M | $3.6M | ||
| Q2 25 | $7.8M | $4.0M | ||
| Q1 25 | $7.3M | $3.7M | ||
| Q4 24 | $7.4M | — | ||
| Q3 24 | $7.4M | $3.8M | ||
| Q2 24 | $7.6M | $3.7M | ||
| Q1 24 | $6.7M | $3.6M |
净利润AFBIPBFS
| Q4 25 | $2.1M | $3.7M | ||
| Q3 25 | $2.2M | $4.3M | ||
| Q2 25 | $2.2M | $6.5M | ||
| Q1 25 | $1.8M | $5.8M | ||
| Q4 24 | $1.3M | — | ||
| Q3 24 | $1.7M | $6.3M | ||
| Q2 24 | $1.0M | $3.9M | ||
| Q1 24 | $1.3M | $4.7M |
营业利润率AFBIPBFS
| Q4 25 | 37.3% | — | ||
| Q3 25 | 37.5% | — | ||
| Q2 25 | 36.4% | — | ||
| Q1 25 | 32.8% | — | ||
| Q4 24 | 21.5% | — | ||
| Q3 24 | 30.7% | — | ||
| Q2 24 | 17.7% | — | ||
| Q1 24 | 26.1% | — |
净利率AFBIPBFS
| Q4 25 | 25.8% | 82.1% | ||
| Q3 25 | 28.5% | 119.3% | ||
| Q2 25 | 27.7% | 162.3% | ||
| Q1 25 | 25.0% | 157.8% | ||
| Q4 24 | 18.1% | — | ||
| Q3 24 | 23.3% | 165.1% | ||
| Q2 24 | 13.6% | 107.4% | ||
| Q1 24 | 19.8% | 129.7% |
每股收益（稀释后）AFBIPBFS
| Q4 25 | $0.34 | $0.16 | ||
| Q3 25 | $0.34 | $0.18 | ||
| Q2 25 | $0.33 | $0.26 | ||
| Q1 25 | $0.28 | $0.23 | ||
| Q4 24 | $0.21 | — | ||
| Q3 24 | $0.26 | $0.25 | ||
| Q2 24 | $0.16 | $0.15 | ||
| Q1 24 | $0.20 | $0.19 |
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 | $53.9M | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $127.0M | $323.9M |
| 总资产 | $881.7M | $2.2B |
| 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AFBIPBFS
| Q4 25 | $53.9M | — | ||
| Q3 25 | $84.8M | — | ||
| Q2 25 | $89.7M | — | ||
| Q1 25 | $74.7M | — | ||
| Q4 24 | $41.4M | — | ||
| Q3 24 | $52.3M | — | ||
| Q2 24 | $50.4M | — | ||
| Q1 24 | $61.4M | — |
股东权益AFBIPBFS
| Q4 25 | $127.0M | $323.9M | ||
| Q3 25 | $125.4M | $314.2M | ||
| Q2 25 | $124.1M | $314.2M | ||
| Q1 25 | $122.3M | $310.7M | ||
| Q4 24 | $129.1M | — | ||
| Q3 24 | $128.4M | $303.8M | ||
| Q2 24 | $125.1M | $296.5M | ||
| Q1 24 | $123.3M | $289.0M |
总资产AFBIPBFS
| Q4 25 | $881.7M | $2.2B | ||
| Q3 25 | $925.2M | $2.2B | ||
| Q2 25 | $933.8M | $2.1B | ||
| Q1 25 | $912.5M | $2.1B | ||
| Q4 24 | $866.8M | — | ||
| Q3 24 | $878.6M | $2.0B | ||
| Q2 24 | $873.6M | — | ||
| Q1 24 | $869.5M | $2.0B |
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 | $2.3M | $5.7M |
| 自由现金流经营现金流 - 资本支出 | $2.2M | — |
| 自由现金流率自由现金流/营收 | 26.3% | — |
| 资本支出强度资本支出/营收 | 1.1% | — |
| 现金转化率经营现金流/净利润 | 1.06× | 1.52× |
| 过去12个月自由现金流最近4个季度 | $11.2M | — |
8季度趋势，按日历期对齐
经营现金流AFBIPBFS
| Q4 25 | $2.3M | $5.7M | ||
| Q3 25 | $3.7M | $3.9M | ||
| Q2 25 | $3.8M | $5.1M | ||
| Q1 25 | $1.9M | $-3.5M | ||
| Q4 24 | $865.0K | — | ||
| Q3 24 | $4.1M | $1.9M | ||
| Q2 24 | $619.0K | $9.0M | ||
| Q1 24 | $1.2M | $3.3M |
自由现金流AFBIPBFS
| Q4 25 | $2.2M | — | ||
| Q3 25 | $3.6M | — | ||
| Q2 25 | $3.7M | — | ||
| Q1 25 | $1.8M | — | ||
| Q4 24 | $842.0K | — | ||
| Q3 24 | $4.0M | — | ||
| Q2 24 | $489.0K | — | ||
| Q1 24 | $1.1M | — |
自由现金流率AFBIPBFS
| Q4 25 | 26.3% | — | ||
| Q3 25 | 46.6% | — | ||
| Q2 25 | 47.1% | — | ||
| Q1 25 | 24.2% | — | ||
| Q4 24 | 11.3% | — | ||
| Q3 24 | 53.3% | — | ||
| Q2 24 | 6.5% | — | ||
| Q1 24 | 16.1% | — |
资本支出强度AFBIPBFS
| Q4 25 | 1.1% | — | ||
| Q3 25 | 0.9% | — | ||
| Q2 25 | 1.5% | — | ||
| Q1 25 | 2.0% | — | ||
| Q4 24 | 0.3% | — | ||
| Q3 24 | 1.8% | — | ||
| Q2 24 | 1.7% | — | ||
| Q1 24 | 2.0% | — |
现金转化率AFBIPBFS
| Q4 25 | 1.06× | 1.52× | ||
| Q3 25 | 1.66× | 0.90× | ||
| Q2 25 | 1.75× | 0.78× | ||
| Q1 25 | 1.05× | -0.61× | ||
| Q4 24 | 0.64× | — | ||
| Q3 24 | 2.36× | 0.30× | ||
| Q2 24 | 0.60× | 2.30× | ||
| Q1 24 | 0.91× | 0.70× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
