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ECB Bancorp, Inc.（ECBK）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
ECB Bancorp, Inc.的季度营收约是Pioneer Bancorp, Inc.的2.0倍（$9.2M vs $4.6M）。Pioneer Bancorp, Inc.净利率更高（82.1% vs 28.4%，领先53.7%）。过去两年ECB Bancorp, Inc.的营收复合增速更高（24.5% vs 4.5%）
ECB Bancorp（马里兰州）是一家美国银行控股公司，主要面向马里兰州本地市场的个人客户和中小型企业提供存款账户、消费贷款、商业融资、财富管理等各类零售及商业银行业务。
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。
ECBK vs PBFS — 直观对比
营收规模更大
ECBK
是对方的2.0倍
$4.6M
净利率更高
PBFS
高出53.7%
28.4%
两年增速更快
ECBK
近两年复合增速
4.5%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $9.2M | $4.6M |
| 净利润 | $2.6M | $3.7M |
| 毛利率 | — | — |
| 营业利润率 | 38.1% | — |
| 净利率 | 28.4% | 82.1% |
| 营收同比 | 35.0% | — |
| 净利润同比 | 79.5% | — |
| 每股收益（稀释后） | $0.32 | $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ECBKPBFS
| Q4 25 | $9.2M | $4.6M | ||
| Q3 25 | $8.5M | $3.6M | ||
| Q2 25 | $7.7M | $4.0M | ||
| Q1 25 | $6.6M | $3.7M | ||
| Q4 24 | $6.8M | — | ||
| Q3 24 | $6.3M | $3.8M | ||
| Q2 24 | $6.0M | $3.7M | ||
| Q1 24 | $5.9M | $3.6M |
净利润ECBKPBFS
| Q4 25 | $2.6M | $3.7M | ||
| Q3 25 | $2.4M | $4.3M | ||
| Q2 25 | $1.4M | $6.5M | ||
| Q1 25 | $1.3M | $5.8M | ||
| Q4 24 | $1.4M | — | ||
| Q3 24 | $1.1M | $6.3M | ||
| Q2 24 | $791.0K | $3.9M | ||
| Q1 24 | $621.0K | $4.7M |
营业利润率ECBKPBFS
| Q4 25 | 38.1% | — | ||
| Q3 25 | 38.5% | — | ||
| Q2 25 | 25.0% | — | ||
| Q1 25 | 25.9% | — | ||
| Q4 24 | 28.6% | — | ||
| Q3 24 | 24.4% | — | ||
| Q2 24 | 17.7% | — | ||
| Q1 24 | 14.1% | — |
净利率ECBKPBFS
| Q4 25 | 28.4% | 82.1% | ||
| Q3 25 | 28.8% | 119.3% | ||
| Q2 25 | 18.8% | 162.3% | ||
| Q1 25 | 19.5% | 157.8% | ||
| Q4 24 | 21.3% | — | ||
| Q3 24 | 18.0% | 165.1% | ||
| Q2 24 | 13.2% | 107.4% | ||
| Q1 24 | 10.5% | 129.7% |
每股收益（稀释后）ECBKPBFS
| Q4 25 | $0.32 | $0.16 | ||
| Q3 25 | $0.29 | $0.18 | ||
| Q2 25 | $0.17 | $0.26 | ||
| Q1 25 | $0.16 | $0.23 | ||
| Q4 24 | $0.18 | — | ||
| Q3 24 | $0.14 | $0.25 | ||
| Q2 24 | $0.09 | $0.15 | ||
| Q1 24 | $0.07 | $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 | $82.8M | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $171.9M | $323.9M |
| 总资产 | $1.6B | $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ECBKPBFS
| Q4 25 | $82.8M | — | ||
| Q3 25 | $201.9M | — | ||
| Q2 25 | $191.0M | — | ||
| Q1 25 | $143.7M | — | ||
| Q4 24 | $309.4M | — | ||
| Q3 24 | $114.8M | — | ||
| Q2 24 | $108.7M | — | ||
| Q1 24 | $109.8M | — |
股东权益ECBKPBFS
| Q4 25 | $171.9M | $323.9M | ||
| Q3 25 | $169.3M | $314.2M | ||
| Q2 25 | $168.3M | $314.2M | ||
| Q1 25 | $168.6M | $310.7M | ||
| Q4 24 | $168.3M | — | ||
| Q3 24 | $166.0M | $303.8M | ||
| Q2 24 | $166.5M | $296.5M | ||
| Q1 24 | $165.8M | $289.0M |
总资产ECBKPBFS
| Q4 25 | $1.6B | $2.2B | ||
| Q3 25 | $1.6B | $2.2B | ||
| Q2 25 | $1.5B | $2.1B | ||
| Q1 25 | $1.5B | $2.1B | ||
| Q4 24 | $1.4B | — | ||
| Q3 24 | $1.4B | $2.0B | ||
| Q2 24 | $1.3B | — | ||
| Q1 24 | $1.3B | $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 | $3.9M | $5.7M |
| 自由现金流经营现金流 - 资本支出 | $3.9M | — |
| 自由现金流率自由现金流/营收 | 42.1% | — |
| 资本支出强度资本支出/营收 | 0.8% | — |
| 现金转化率经营现金流/净利润 | 1.51× | 1.52× |
| 过去12个月自由现金流最近4个季度 | $9.0M | — |
8季度趋势，按日历期对齐
经营现金流ECBKPBFS
| Q4 25 | $3.9M | $5.7M | ||
| Q3 25 | $4.0M | $3.9M | ||
| Q2 25 | $1.9M | $5.1M | ||
| Q1 25 | $-631.0K | $-3.5M | ||
| Q4 24 | $4.4M | — | ||
| Q3 24 | $861.0K | $1.9M | ||
| Q2 24 | $1.4M | $9.0M | ||
| Q1 24 | $-429.0K | $3.3M |
自由现金流ECBKPBFS
| Q4 25 | $3.9M | — | ||
| Q3 25 | $4.0M | — | ||
| Q2 25 | $1.8M | — | ||
| Q1 25 | $-649.0K | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | $1.3M | — | ||
| Q1 24 | $-449.0K | — |
自由现金流率ECBKPBFS
| Q4 25 | 42.1% | — | ||
| Q3 25 | 46.8% | — | ||
| Q2 25 | 24.1% | — | ||
| Q1 25 | -9.8% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 22.4% | — | ||
| Q1 24 | -7.6% | — |
资本支出强度ECBKPBFS
| Q4 25 | 0.8% | — | ||
| Q3 25 | 0.8% | — | ||
| Q2 25 | 0.7% | — | ||
| Q1 25 | 0.3% | — | ||
| Q4 24 | 0.0% | — | ||
| Q3 24 | 0.0% | — | ||
| Q2 24 | 0.7% | — | ||
| Q1 24 | 0.3% | — |
现金转化率ECBKPBFS
| Q4 25 | 1.51× | 1.52× | ||
| Q3 25 | 1.65× | 0.90× | ||
| Q2 25 | 1.32× | 0.78× | ||
| Q1 25 | -0.49× | -0.61× | ||
| Q4 24 | 3.05× | — | ||
| Q3 24 | 0.76× | 0.30× | ||
| Q2 24 | 1.75× | 2.30× | ||
| Q1 24 | -0.69× | 0.70× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
