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FB Bancorp, Inc.（FBLA）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
FB Bancorp, Inc.的季度营收约是Pioneer Bancorp, Inc.的1.8倍（$8.4M vs $4.6M）。Pioneer Bancorp, Inc.净利率更高（82.1% vs -16.7%，领先98.8%）
FB Bancorp是总部位于美国马里兰州的银行控股公司，主要为当地社区的个人消费者和中小微企业提供商业与零售银行服务，涵盖存款账户、个人及企业贷款、抵押贷款、财富管理等多元金融产品。
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。
FBLA vs PBFS — 直观对比
营收规模更大
FBLA
是对方的1.8倍
$4.6M
净利率更高
PBFS
高出98.8%
-16.7%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $8.4M | $4.6M |
| 净利润 | $-1.4M | $3.7M |
| 毛利率 | — | — |
| 营业利润率 | 17.8% | — |
| 净利率 | -16.7% | 82.1% |
| 营收同比 | — | — |
| 净利润同比 | — | — |
| 每股收益（稀释后） | $-0.08 | $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FBLAPBFS
| Q4 25 | $8.4M | $4.6M | ||
| Q3 25 | $18.7M | $3.6M | ||
| Q2 25 | $18.1M | $4.0M | ||
| Q1 25 | $17.2M | $3.7M | ||
| Q3 24 | $16.8M | $3.8M | ||
| Q2 24 | $10.9M | $3.7M | ||
| Q1 24 | — | $3.6M | ||
| Q4 23 | — | $4.2M |
净利润FBLAPBFS
| Q4 25 | $-1.4M | $3.7M | ||
| Q3 25 | $1.1M | $4.3M | ||
| Q2 25 | $879.0K | $6.5M | ||
| Q1 25 | $705.0K | $5.8M | ||
| Q3 24 | $-895.0K | $6.3M | ||
| Q2 24 | $849.0K | $3.9M | ||
| Q1 24 | — | $4.7M | ||
| Q4 23 | — | $3.2M |
营业利润率FBLAPBFS
| Q4 25 | 17.8% | — | ||
| Q3 25 | 7.1% | — | ||
| Q2 25 | 6.1% | — | ||
| Q1 25 | 5.1% | — | ||
| Q3 24 | -6.8% | — | ||
| Q2 24 | 10.0% | — | ||
| Q1 24 | — | — | ||
| Q4 23 | — | 96.1% |
净利率FBLAPBFS
| Q4 25 | -16.7% | 82.1% | ||
| Q3 25 | 5.8% | 119.3% | ||
| Q2 25 | 4.9% | 162.3% | ||
| Q1 25 | 4.1% | 157.8% | ||
| Q3 24 | -5.3% | 165.1% | ||
| Q2 24 | 7.8% | 107.4% | ||
| Q1 24 | — | 129.7% | ||
| Q4 23 | — | 76.4% |
每股收益（稀释后）FBLAPBFS
| Q4 25 | $-0.08 | $0.16 | ||
| Q3 25 | $0.06 | $0.18 | ||
| Q2 25 | $0.05 | $0.26 | ||
| Q1 25 | $0.04 | $0.23 | ||
| Q3 24 | $0.00 | $0.25 | ||
| Q2 24 | $0.00 | $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 | $60.3M | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $314.4M | $323.9M |
| 总资产 | $1.3B | $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FBLAPBFS
| Q4 25 | $60.3M | — | ||
| Q3 25 | $65.7M | — | ||
| Q2 25 | $86.1M | — | ||
| Q1 25 | $98.6M | — | ||
| Q3 24 | $293.5M | — | ||
| Q2 24 | $59.4M | — | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — |
股东权益FBLAPBFS
| Q4 25 | $314.4M | $323.9M | ||
| Q3 25 | $338.2M | $314.2M | ||
| Q2 25 | $332.1M | $314.2M | ||
| Q1 25 | $331.4M | $310.7M | ||
| Q3 24 | $161.5M | $303.8M | ||
| Q2 24 | $155.7M | $296.5M | ||
| Q1 24 | — | $289.0M | ||
| Q4 23 | — | $283.8M |
总资产FBLAPBFS
| Q4 25 | $1.3B | $2.2B | ||
| Q3 25 | $1.3B | $2.2B | ||
| Q2 25 | $1.2B | $2.1B | ||
| Q1 25 | $1.2B | $2.1B | ||
| Q3 24 | $1.4B | $2.0B | ||
| Q2 24 | $1.2B | — | ||
| 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 | $14.2M | $5.7M |
| 自由现金流经营现金流 - 资本支出 | $13.8M | — |
| 自由现金流率自由现金流/营收 | 163.8% | — |
| 资本支出强度资本支出/营收 | 4.9% | — |
| 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 | $-3.9M | — |
8季度趋势，按日历期对齐
经营现金流FBLAPBFS
| Q4 25 | $14.2M | $5.7M | ||
| Q3 25 | $-16.8M | $3.9M | ||
| Q2 25 | $-1.7M | $5.1M | ||
| Q1 25 | $7.0M | $-3.5M | ||
| Q3 24 | $215.0K | $1.9M | ||
| Q2 24 | — | $9.0M | ||
| Q1 24 | — | $3.3M | ||
| Q4 23 | — | $-943.0K |
自由现金流FBLAPBFS
| Q4 25 | $13.8M | — | ||
| Q3 25 | $-18.3M | — | ||
| Q2 25 | $-3.4M | — | ||
| Q1 25 | $4.0M | — | ||
| Q3 24 | $-1.2M | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — |
自由现金流率FBLAPBFS
| Q4 25 | 163.8% | — | ||
| Q3 25 | -97.7% | — | ||
| Q2 25 | -18.7% | — | ||
| Q1 25 | 23.2% | — | ||
| Q3 24 | -7.1% | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — |
资本支出强度FBLAPBFS
| Q4 25 | 4.9% | — | ||
| Q3 25 | 7.8% | — | ||
| Q2 25 | 9.5% | — | ||
| Q1 25 | 17.7% | — | ||
| Q3 24 | 8.4% | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — |
现金转化率FBLAPBFS
| Q4 25 | — | 1.52× | ||
| Q3 25 | -15.59× | 0.90× | ||
| Q2 25 | -1.89× | 0.78× | ||
| Q1 25 | 9.98× | -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
