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Bogota Financial Corp.（BSBK）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
Pioneer Bancorp, Inc.的季度营收约是Bogota Financial Corp.的1.1倍（$4.6M vs $4.3M）。Pioneer Bancorp, Inc.净利率更高（82.1% vs 15.9%，领先66.2%）。过去两年Bogota Financial Corp.的营收复合增速更高（27.2% vs 4.5%）
波哥大金融公司是总部位于美国新泽西州的银行控股企业，旗下运营波哥大储蓄银行，为新泽西州及周边区域的零售客户和小微企业提供存款账户、住房抵押贷款、消费贷款、商业融资等全方位银行服务。
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。
BSBK vs PBFS — 直观对比
营收规模更大
PBFS
是对方的1.1倍
$4.3M
净利率更高
PBFS
高出66.2%
15.9%
两年增速更快
BSBK
近两年复合增速
4.5%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $4.3M | $4.6M |
| 净利润 | $680.8K | $3.7M |
| 毛利率 | — | — |
| 营业利润率 | 15.6% | — |
| 净利率 | 15.9% | 82.1% |
| 营收同比 | 71.6% | — |
| 净利润同比 | 173.2% | — |
| 每股收益（稀释后） | $0.05 | $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BSBKPBFS
| Q4 25 | $4.3M | $4.6M | ||
| Q3 25 | $3.9M | $3.6M | ||
| Q2 25 | $3.7M | $4.0M | ||
| Q1 25 | $3.6M | $3.7M | ||
| Q4 24 | $2.5M | — | ||
| Q3 24 | $2.7M | $3.8M | ||
| Q2 24 | $2.7M | $3.7M | ||
| Q1 24 | $2.7M | $3.6M |
净利润BSBKPBFS
| Q4 25 | $680.8K | $3.7M | ||
| Q3 25 | $454.6K | $4.3M | ||
| Q2 25 | $224.4K | $6.5M | ||
| Q1 25 | $730.9K | $5.8M | ||
| Q4 24 | $-930.0K | — | ||
| Q3 24 | $-367.0K | $6.3M | ||
| Q2 24 | $-432.5K | $3.9M | ||
| Q1 24 | $-441.0K | $4.7M |
营业利润率BSBKPBFS
| Q4 25 | 15.6% | — | ||
| Q3 25 | 13.5% | — | ||
| Q2 25 | 4.7% | — | ||
| Q1 25 | 19.6% | — | ||
| Q4 24 | -19.2% | — | ||
| Q3 24 | -23.3% | — | ||
| Q2 24 | -26.0% | — | ||
| Q1 24 | -27.5% | — |
净利率BSBKPBFS
| Q4 25 | 15.9% | 82.1% | ||
| Q3 25 | 11.7% | 119.3% | ||
| Q2 25 | 6.1% | 162.3% | ||
| Q1 25 | 20.3% | 157.8% | ||
| Q4 24 | -37.2% | — | ||
| Q3 24 | -13.8% | 165.1% | ||
| Q2 24 | -15.8% | 107.4% | ||
| Q1 24 | -16.6% | 129.7% |
每股收益（稀释后）BSBKPBFS
| Q4 25 | $0.05 | $0.16 | ||
| Q3 25 | $0.04 | $0.18 | ||
| Q2 25 | $0.02 | $0.26 | ||
| Q1 25 | $0.06 | $0.23 | ||
| Q4 24 | $-0.08 | — | ||
| Q3 24 | $-0.03 | $0.25 | ||
| Q2 24 | $-0.03 | $0.15 | ||
| Q1 24 | $-0.03 | $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 | $35.6M | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $140.9M | $323.9M |
| 总资产 | $904.9M | $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BSBKPBFS
| Q4 25 | $35.6M | — | ||
| Q3 25 | $31.2M | — | ||
| Q2 25 | $20.3M | — | ||
| Q1 25 | $25.6M | — | ||
| Q4 24 | $52.2M | — | ||
| Q3 24 | $21.0M | — | ||
| Q2 24 | $17.6M | — | ||
| Q1 24 | $14.4M | — |
股东权益BSBKPBFS
| Q4 25 | $140.9M | $323.9M | ||
| Q3 25 | $140.7M | $314.2M | ||
| Q2 25 | $138.4M | $314.2M | ||
| Q1 25 | $138.3M | $310.7M | ||
| Q4 24 | $137.3M | — | ||
| Q3 24 | $136.9M | $303.8M | ||
| Q2 24 | $136.3M | $296.5M | ||
| Q1 24 | $136.4M | $289.0M |
总资产BSBKPBFS
| Q4 25 | $904.9M | $2.2B | ||
| Q3 25 | $925.8M | $2.2B | ||
| Q2 25 | $921.8M | $2.1B | ||
| Q1 25 | $930.2M | $2.1B | ||
| Q4 24 | $971.5M | — | ||
| Q3 24 | $978.9M | $2.0B | ||
| Q2 24 | $974.7M | — | ||
| Q1 24 | $960.9M | $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 | $1.0M | $5.7M |
| 自由现金流经营现金流 - 资本支出 | $988.0K | — |
| 自由现金流率自由现金流/营收 | 23.0% | — |
| 资本支出强度资本支出/营收 | 0.4% | — |
| 现金转化率经营现金流/净利润 | 1.48× | 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BSBKPBFS
| Q4 25 | $1.0M | $5.7M | ||
| Q3 25 | $292.5K | $3.9M | ||
| Q2 25 | $1.9M | $5.1M | ||
| Q1 25 | $-16.0K | $-3.5M | ||
| Q4 24 | $-1.0M | — | ||
| Q3 24 | $-287.9K | $1.9M | ||
| Q2 24 | $1.7M | $9.0M | ||
| Q1 24 | $-2.9M | $3.3M |
自由现金流BSBKPBFS
| Q4 25 | $988.0K | — | ||
| Q3 25 | $277.1K | — | ||
| Q2 25 | — | — | ||
| Q1 25 | $-52.2K | — | ||
| Q4 24 | $-1.1M | — | ||
| Q3 24 | $-330.9K | — | ||
| Q2 24 | $1.4M | — | ||
| Q1 24 | $-3.1M | — |
自由现金流率BSBKPBFS
| Q4 25 | 23.0% | — | ||
| Q3 25 | 7.1% | — | ||
| Q2 25 | — | — | ||
| Q1 25 | -1.5% | — | ||
| Q4 24 | -43.8% | — | ||
| Q3 24 | -12.5% | — | ||
| Q2 24 | 51.6% | — | ||
| Q1 24 | -118.7% | — |
资本支出强度BSBKPBFS
| Q4 25 | 0.4% | — | ||
| Q3 25 | 0.4% | — | ||
| Q2 25 | 0.0% | — | ||
| Q1 25 | 1.0% | — | ||
| Q4 24 | 2.1% | — | ||
| Q3 24 | 1.6% | — | ||
| Q2 24 | 8.5% | — | ||
| Q1 24 | 10.0% | — |
现金转化率BSBKPBFS
| Q4 25 | 1.48× | 1.52× | ||
| Q3 25 | 0.64× | 0.90× | ||
| Q2 25 | 8.56× | 0.78× | ||
| Q1 25 | -0.02× | -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
