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Avidia Bancorp, Inc.（AVBC）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
Avidia Bancorp, Inc.的季度营收约是Pioneer Bancorp, Inc.的5.1倍（$23.3M vs $4.6M）。Pioneer Bancorp, Inc.净利率更高（82.1% vs 22.9%，领先59.2%）
Avidia银行是一家美国互助型社区银行，总部位于马萨诸塞州哈德逊市，于2007年由哈德逊储蓄银行与韦斯特伯勒银行合并成立，主要为当地社区提供各类金融服务。
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。
AVBC vs PBFS — 直观对比
营收规模更大
AVBC
是对方的5.1倍
$4.6M
净利率更高
PBFS
高出59.2%
22.9%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $23.3M | $4.6M |
| 净利润 | $5.3M | $3.7M |
| 毛利率 | — | — |
| 营业利润率 | 33.3% | — |
| 净利率 | 22.9% | 82.1% |
| 营收同比 | — | — |
| 净利润同比 | — | — |
| 每股收益（稀释后） | — | $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AVBCPBFS
| Q4 25 | $23.3M | $4.6M | ||
| Q3 25 | $23.4M | $3.6M | ||
| Q2 25 | $20.6M | $4.0M | ||
| Q1 25 | $19.2M | $3.7M | ||
| Q3 24 | — | $3.8M | ||
| Q2 24 | — | $3.7M | ||
| Q1 24 | — | $3.6M | ||
| Q4 23 | — | $4.2M |
净利润AVBCPBFS
| Q4 25 | $5.3M | $3.7M | ||
| Q3 25 | $-907.0K | $4.3M | ||
| Q2 25 | $3.9M | $6.5M | ||
| Q1 25 | $-11.6M | $5.8M | ||
| Q3 24 | — | $6.3M | ||
| Q2 24 | — | $3.9M | ||
| Q1 24 | — | $4.7M | ||
| Q4 23 | — | $3.2M |
营业利润率AVBCPBFS
| Q4 25 | 33.3% | — | ||
| Q3 25 | -8.3% | — | ||
| Q2 25 | 24.4% | — | ||
| Q1 25 | -85.9% | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — | ||
| Q4 23 | — | 96.1% |
净利率AVBCPBFS
| Q4 25 | 22.9% | 82.1% | ||
| Q3 25 | -3.9% | 119.3% | ||
| Q2 25 | 18.8% | 162.3% | ||
| Q1 25 | -60.3% | 157.8% | ||
| Q3 24 | — | 165.1% | ||
| Q2 24 | — | 107.4% | ||
| Q1 24 | — | 129.7% | ||
| Q4 23 | — | 76.4% |
每股收益（稀释后）AVBCPBFS
| Q4 25 | — | $0.16 | ||
| Q3 25 | $-0.05 | $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 |
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 | $275.0M | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $379.0M | $323.9M |
| 总资产 | $2.8B | $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AVBCPBFS
| Q4 25 | $275.0M | — | ||
| Q3 25 | $208.3M | — | ||
| Q2 25 | $592.5M | — | ||
| Q1 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — |
股东权益AVBCPBFS
| Q4 25 | $379.0M | $323.9M | ||
| Q3 25 | $372.0M | $314.2M | ||
| Q2 25 | $191.4M | $314.2M | ||
| Q1 25 | $186.1M | $310.7M | ||
| Q3 24 | — | $303.8M | ||
| Q2 24 | — | $296.5M | ||
| Q1 24 | — | $289.0M | ||
| Q4 23 | — | $283.8M |
总资产AVBCPBFS
| Q4 25 | $2.8B | $2.2B | ||
| Q3 25 | $2.8B | $2.2B | ||
| Q2 25 | $3.0B | $2.1B | ||
| Q1 25 | $2.7B | $2.1B | ||
| Q3 24 | — | $2.0B | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $2.0B | ||
| Q4 23 | — | $1.9B |
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 | $8.8M | $5.7M |
| 自由现金流经营现金流 - 资本支出 | $8.0M | — |
| 自由现金流率自由现金流/营收 | 34.4% | — |
| 资本支出强度资本支出/营收 | 3.4% | — |
| 现金转化率经营现金流/净利润 | 1.65× | 1.52× |
| 过去12个月自由现金流最近4个季度 | $24.1M | — |
8季度趋势，按日历期对齐
经营现金流AVBCPBFS
| Q4 25 | $8.8M | $5.7M | ||
| Q3 25 | $24.1M | $3.9M | ||
| Q2 25 | $-2.3M | $5.1M | ||
| Q1 25 | $-2.2M | $-3.5M | ||
| Q3 24 | — | $1.9M | ||
| Q2 24 | — | $9.0M | ||
| Q1 24 | — | $3.3M | ||
| Q4 23 | — | $-943.0K |
自由现金流AVBCPBFS
| Q4 25 | $8.0M | — | ||
| Q3 25 | $23.3M | — | ||
| Q2 25 | $-3.3M | — | ||
| Q1 25 | $-3.9M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — |
自由现金流率AVBCPBFS
| Q4 25 | 34.4% | — | ||
| Q3 25 | 99.2% | — | ||
| Q2 25 | -16.0% | — | ||
| Q1 25 | -20.2% | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — |
资本支出强度AVBCPBFS
| Q4 25 | 3.4% | — | ||
| Q3 25 | 3.7% | — | ||
| Q2 25 | 4.7% | — | ||
| Q1 25 | 8.6% | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — |
现金转化率AVBCPBFS
| Q4 25 | 1.65× | 1.52× | ||
| Q3 25 | — | 0.90× | ||
| Q2 25 | -0.60× | 0.78× | ||
| Q1 25 | — | -0.61× | ||
| Q3 24 | — | 0.30× | ||
| Q2 24 | — | 2.30× | ||
| Q1 24 | — | 0.70× | ||
| Q4 23 | — | -0.30× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
