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First Northwest Bancorp（FNWB）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
First Northwest Bancorp的季度营收约是Pioneer Bancorp, Inc.的3.2倍（$14.7M vs $4.6M）。Pioneer Bancorp, Inc.净利率更高（82.1% vs 2.6%，领先79.5%）。过去两年Pioneer Bancorp, Inc.的营收复合增速更高（4.5% vs 2.7%）
第一西北 Bancorp 相关主体前身为伊利诺伊州乔利埃特的金融机构，发展后业务覆盖芝加哥多个郊区、印第安纳州西北部、伊利诺伊州南部、威斯康星州东南部，以及包含爱荷华州的阔德城地区，旗下第一中西部银行是美国规模较大的银行业机构之一，总部位于伊利诺伊州芝加哥奥黑尔机场东侧。
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。
FNWB vs PBFS — 直观对比
营收规模更大
FNWB
是对方的3.2倍
$4.6M
净利率更高
PBFS
高出79.5%
2.6%
两年增速更快
PBFS
近两年复合增速
2.7%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $14.7M | $4.6M |
| 净利润 | $382.0K | $3.7M |
| 毛利率 | — | — |
| 营业利润率 | 6.2% | — |
| 净利率 | 2.6% | 82.1% |
| 营收同比 | 3.9% | — |
| 净利润同比 | 113.6% | — |
| 每股收益（稀释后） | $0.04 | $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FNWBPBFS
| Q4 25 | $14.7M | $4.6M | ||
| Q3 25 | $14.6M | $3.6M | ||
| Q2 25 | $14.2M | $4.0M | ||
| Q1 25 | $13.8M | $3.7M | ||
| Q4 24 | $14.1M | — | ||
| Q3 24 | $14.0M | $3.8M | ||
| Q2 24 | $14.2M | $3.7M | ||
| Q1 24 | $13.9M | $3.6M |
净利润FNWBPBFS
| Q4 25 | $382.0K | $3.7M | ||
| Q3 25 | $802.0K | $4.3M | ||
| Q2 25 | $3.7M | $6.5M | ||
| Q1 25 | $-9.0M | $5.8M | ||
| Q4 24 | $-2.8M | — | ||
| Q3 24 | $-2.0M | $6.3M | ||
| Q2 24 | $-2.2M | $3.9M | ||
| Q1 24 | $396.0K | $4.7M |
营业利润率FNWBPBFS
| Q4 25 | 6.2% | — | ||
| Q3 25 | -1.0% | — | ||
| Q2 25 | 27.9% | — | ||
| Q1 25 | -73.4% | — | ||
| Q4 24 | -17.3% | — | ||
| Q3 24 | -22.7% | — | ||
| Q2 24 | -19.4% | — | ||
| Q1 24 | 6.1% | — |
净利率FNWBPBFS
| Q4 25 | 2.6% | 82.1% | ||
| Q3 25 | 5.5% | 119.3% | ||
| Q2 25 | 25.8% | 162.3% | ||
| Q1 25 | -65.3% | 157.8% | ||
| Q4 24 | -19.9% | — | ||
| Q3 24 | -14.1% | 165.1% | ||
| Q2 24 | -15.6% | 107.4% | ||
| Q1 24 | 2.8% | 129.7% |
每股收益（稀释后）FNWBPBFS
| Q4 25 | $0.04 | $0.16 | ||
| Q3 25 | $0.09 | $0.18 | ||
| Q2 25 | $0.42 | $0.26 | ||
| Q1 25 | $-1.03 | $0.23 | ||
| Q4 24 | $-0.31 | — | ||
| Q3 24 | $-0.23 | $0.25 | ||
| Q2 24 | $-0.25 | $0.15 | ||
| Q1 24 | $0.04 | $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 | — | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $157.3M | $323.9M |
| 总资产 | $2.1B | $2.2B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
股东权益FNWBPBFS
| Q4 25 | $157.3M | $323.9M | ||
| Q3 25 | $154.5M | $314.2M | ||
| Q2 25 | $149.7M | $314.2M | ||
| Q1 25 | $146.5M | $310.7M | ||
| Q4 24 | $153.9M | — | ||
| Q3 24 | $160.8M | $303.8M | ||
| Q2 24 | $158.9M | $296.5M | ||
| Q1 24 | $160.5M | $289.0M |
总资产FNWBPBFS
| Q4 25 | $2.1B | $2.2B | ||
| Q3 25 | $2.1B | $2.2B | ||
| Q2 25 | $2.2B | $2.1B | ||
| Q1 25 | $2.2B | $2.1B | ||
| Q4 24 | $2.2B | — | ||
| Q3 24 | $2.3B | $2.0B | ||
| Q2 24 | $2.2B | — | ||
| Q1 24 | $2.2B | $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 | $10.3M | $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 | 26.94× | 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FNWBPBFS
| Q4 25 | $10.3M | $5.7M | ||
| Q3 25 | $4.7M | $3.9M | ||
| Q2 25 | $4.0M | $5.1M | ||
| Q1 25 | $-21.7M | $-3.5M | ||
| Q4 24 | $12.5M | — | ||
| Q3 24 | $1.2M | $1.9M | ||
| Q2 24 | $8.1M | $9.0M | ||
| Q1 24 | $-4.9M | $3.3M |
自由现金流FNWBPBFS
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | $-5.0M | — |
自由现金流率FNWBPBFS
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | -35.7% | — |
资本支出强度FNWBPBFS
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 0.8% | — |
现金转化率FNWBPBFS
| Q4 25 | 26.94× | 1.52× | ||
| Q3 25 | 5.89× | 0.90× | ||
| Q2 25 | 1.08× | 0.78× | ||
| Q1 25 | — | -0.61× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.30× | ||
| Q2 24 | — | 2.30× | ||
| Q1 24 | -12.29× | 0.70× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
