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Blue Foundry Bancorp（BLFY）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
Blue Foundry Bancorp的季度营收约是Pioneer Bancorp, Inc.的2.8倍（$12.8M vs $4.6M）。Pioneer Bancorp, Inc.净利率更高（82.1% vs -27.4%，领先109.5%）。过去两年Blue Foundry Bancorp的营收复合增速更高（16.6% vs 4.5%）
Blue Foundry Bancorp是总部位于美国新泽西州的区域银行控股公司，主要面向当地个人消费者与中小企业，提供存款账户、消费贷款、住房按揭、商业融资等全方位的个人及商业银行服务。
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。
BLFY vs PBFS — 直观对比
营收规模更大
BLFY
是对方的2.8倍
$4.6M
净利率更高
PBFS
高出109.5%
-27.4%
两年增速更快
BLFY
近两年复合增速
4.5%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $12.8M | $4.6M |
| 净利润 | $-3.5M | $3.7M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | -27.4% | 82.1% |
| 营收同比 | 35.2% | — |
| 净利润同比 | -30.6% | — |
| 每股收益（稀释后） | $-0.18 | $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BLFYPBFS
| Q4 25 | $12.8M | $4.6M | ||
| Q3 25 | $12.2M | $3.6M | ||
| Q2 25 | $11.6M | $4.0M | ||
| Q1 25 | $10.7M | $3.7M | ||
| Q4 24 | $9.5M | — | ||
| Q3 24 | $9.1M | $3.8M | ||
| Q2 24 | $9.6M | $3.7M | ||
| Q1 24 | $9.4M | $3.6M |
净利润BLFYPBFS
| Q4 25 | $-3.5M | $3.7M | ||
| Q3 25 | $-1.9M | $4.3M | ||
| Q2 25 | $-2.0M | $6.5M | ||
| Q1 25 | $-2.7M | $5.8M | ||
| Q4 24 | $-2.7M | — | ||
| Q3 24 | $-4.0M | $6.3M | ||
| Q2 24 | $-2.3M | $3.9M | ||
| Q1 24 | $-2.8M | $4.7M |
净利率BLFYPBFS
| Q4 25 | -27.4% | 82.1% | ||
| Q3 25 | -15.3% | 119.3% | ||
| Q2 25 | -16.8% | 162.3% | ||
| Q1 25 | -25.1% | 157.8% | ||
| Q4 24 | -28.4% | — | ||
| Q3 24 | -44.5% | 165.1% | ||
| Q2 24 | -24.5% | 107.4% | ||
| Q1 24 | -30.1% | 129.7% |
每股收益（稀释后）BLFYPBFS
| Q4 25 | $-0.18 | $0.16 | ||
| Q3 25 | $-0.10 | $0.18 | ||
| Q2 25 | $-0.10 | $0.26 | ||
| Q1 25 | $-0.13 | $0.23 | ||
| Q4 24 | $-0.12 | — | ||
| Q3 24 | $-0.19 | $0.25 | ||
| Q2 24 | $-0.11 | $0.15 | ||
| Q1 24 | $-0.13 | $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 | $53.1M | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $312.7M | $323.9M |
| 总资产 | $2.2B | $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BLFYPBFS
| Q4 25 | $53.1M | — | ||
| Q3 25 | $44.1M | — | ||
| Q2 25 | $41.9M | — | ||
| Q1 25 | $46.2M | — | ||
| Q4 24 | $42.5M | — | ||
| Q3 24 | $76.1M | — | ||
| Q2 24 | $60.3M | — | ||
| Q1 24 | $53.8M | — |
股东权益BLFYPBFS
| Q4 25 | $312.7M | $323.9M | ||
| Q3 25 | $314.4M | $314.2M | ||
| Q2 25 | $321.3M | $314.2M | ||
| Q1 25 | $326.7M | $310.7M | ||
| Q4 24 | $332.2M | — | ||
| Q3 24 | $339.3M | $303.8M | ||
| Q2 24 | $345.6M | $296.5M | ||
| Q1 24 | $350.2M | $289.0M |
总资产BLFYPBFS
| Q4 25 | $2.2B | $2.2B | ||
| Q3 25 | $2.2B | $2.2B | ||
| Q2 25 | $2.1B | $2.1B | ||
| Q1 25 | $2.1B | $2.1B | ||
| Q4 24 | $2.1B | — | ||
| Q3 24 | $2.1B | $2.0B | ||
| Q2 24 | $2.0B | — | ||
| Q1 24 | $2.0B | $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 | $-6.0M | $5.7M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | 1.52× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流BLFYPBFS
| Q4 25 | $-6.0M | $5.7M | ||
| Q3 25 | $-255.0K | $3.9M | ||
| Q2 25 | $2.0M | $5.1M | ||
| Q1 25 | $-3.8M | $-3.5M | ||
| Q4 24 | $-512.0K | — | ||
| Q3 24 | $-3.7M | $1.9M | ||
| Q2 24 | $14.1M | $9.0M | ||
| Q1 24 | $-4.9M | $3.3M |
自由现金流BLFYPBFS
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | $-4.9M | — |
自由现金流率BLFYPBFS
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | -51.7% | — |
资本支出强度BLFYPBFS
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 0.1% | — |
现金转化率BLFYPBFS
| Q4 25 | — | 1.52× | ||
| Q3 25 | — | 0.90× | ||
| Q2 25 | — | 0.78× | ||
| Q1 25 | — | -0.61× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.30× | ||
| Q2 24 | — | 2.30× | ||
| Q1 24 | — | 0.70× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
