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FS Bancorp, Inc.（FSBW）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
FS Bancorp, Inc.的季度营收约是Pioneer Bancorp, Inc.的1.6倍（$40.0M vs $25.0M），过去两年Pioneer Bancorp, Inc.的营收复合增速更高（144.9% vs 6.2%）
FS Bancorp, Inc.是总部位于美国的银行控股公司，为华盛顿第一安全银行的母公司，主要面向美国太平洋西北地区客户提供各类个人及商业银行服务，包括存款产品、住房贷款、小微企业融资、建筑贷款等，核心业务涵盖零售银行、商业银行及住房信贷三大板块。
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。
FSBW vs PBFS — 直观对比
营收规模更大
FSBW
是对方的1.6倍
$25.0M
两年增速更快
PBFS
近两年复合增速
6.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $40.0M | $25.0M |
| 净利润 | — | $3.7M |
| 毛利率 | — | — |
| 营业利润率 | 25.8% | 21.3% |
| 净利率 | — | 82.1% |
| 营收同比 | 12.0% | — |
| 净利润同比 | — | — |
| 每股收益（稀释后） | $1.11 | $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FSBWPBFS
| Q4 25 | $40.0M | $25.0M | ||
| Q3 25 | $39.3M | $24.0M | ||
| Q2 25 | $37.3M | $24.4M | ||
| Q1 25 | $36.1M | $22.8M | ||
| Q4 24 | $35.7M | — | ||
| Q3 24 | $37.2M | $22.0M | ||
| Q2 24 | $36.3M | $20.9M | ||
| Q1 24 | $35.5M | $21.6M |
净利润FSBWPBFS
| Q4 25 | — | $3.7M | ||
| Q3 25 | $9.2M | $4.3M | ||
| Q2 25 | $7.7M | $6.5M | ||
| Q1 25 | $8.0M | $5.8M | ||
| Q4 24 | — | — | ||
| Q3 24 | $10.3M | $6.3M | ||
| Q2 24 | $9.0M | $3.9M | ||
| Q1 24 | $8.4M | $4.7M |
营业利润率FSBWPBFS
| Q4 25 | 25.8% | 21.3% | ||
| Q3 25 | 29.5% | 23.4% | ||
| Q2 25 | 26.2% | 33.3% | ||
| Q1 25 | 26.2% | 32.5% | ||
| Q4 24 | 27.6% | — | ||
| Q3 24 | 26.5% | 37.2% | ||
| Q2 24 | 31.3% | 24.1% | ||
| Q1 24 | 29.7% | 28.1% |
净利率FSBWPBFS
| Q4 25 | — | 82.1% | ||
| Q3 25 | 23.4% | 18.0% | ||
| Q2 25 | 20.7% | 26.4% | ||
| Q1 25 | 22.2% | 25.3% | ||
| Q4 24 | — | — | ||
| Q3 24 | 27.6% | 28.7% | ||
| Q2 24 | 24.7% | 107.4% | ||
| Q1 24 | 23.7% | 21.9% |
每股收益（稀释后）FSBWPBFS
| Q4 25 | $1.11 | $0.16 | ||
| Q3 25 | $1.18 | $0.18 | ||
| Q2 25 | $0.99 | $0.26 | ||
| Q1 25 | $1.01 | $0.23 | ||
| Q4 24 | $0.88 | — | ||
| Q3 24 | $1.29 | $0.25 | ||
| Q2 24 | $1.13 | $0.15 | ||
| Q1 24 | $1.06 | $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 | $28.2M | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $307.7M | $323.9M |
| 总资产 | $3.2B | $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FSBWPBFS
| Q4 25 | $28.2M | — | ||
| Q3 25 | $61.3M | — | ||
| Q2 25 | $33.2M | — | ||
| Q1 25 | $62.7M | — | ||
| Q4 24 | $31.6M | — | ||
| Q3 24 | $40.3M | — | ||
| Q2 24 | $33.0M | — | ||
| Q1 24 | $45.4M | — |
股东权益FSBWPBFS
| Q4 25 | $307.7M | $323.9M | ||
| Q3 25 | $300.5M | $314.2M | ||
| Q2 25 | $297.2M | $314.2M | ||
| Q1 25 | $298.8M | $310.7M | ||
| Q4 24 | $295.8M | — | ||
| Q3 24 | $288.9M | $303.8M | ||
| Q2 24 | $284.0M | $296.5M | ||
| Q1 24 | $277.9M | $289.0M |
总资产FSBWPBFS
| Q4 25 | $3.2B | $2.2B | ||
| Q3 25 | $3.2B | $2.2B | ||
| Q2 25 | $3.2B | $2.1B | ||
| Q1 25 | $3.1B | $2.1B | ||
| Q4 24 | $3.0B | — | ||
| Q3 24 | $3.0B | $2.0B | ||
| Q2 24 | $2.9B | — | ||
| Q1 24 | $3.0B | $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 | $72.3M | $11.1M |
| 自由现金流经营现金流 - 资本支出 | $51.9M | — |
| 自由现金流率自由现金流/营收 | 129.8% | — |
| 资本支出强度资本支出/营收 | 50.9% | — |
| 现金转化率经营现金流/净利润 | — | 2.97× |
| 过去12个月自由现金流最近4个季度 | $107.2M | — |
8季度趋势，按日历期对齐
经营现金流FSBWPBFS
| Q4 25 | $72.3M | $11.1M | ||
| Q3 25 | $44.6M | $3.9M | ||
| Q2 25 | $7.1M | $5.1M | ||
| Q1 25 | $8.2M | $-3.5M | ||
| Q4 24 | $50.8M | — | ||
| Q3 24 | $-891.0K | $1.9M | ||
| Q2 24 | $9.9M | $9.0M | ||
| Q1 24 | $275.0K | $3.3M |
自由现金流FSBWPBFS
| Q4 25 | $51.9M | — | ||
| Q3 25 | $41.6M | — | ||
| Q2 25 | $5.9M | — | ||
| Q1 25 | $7.8M | — | ||
| Q4 24 | $49.2M | — | ||
| Q3 24 | $-1.5M | — | ||
| Q2 24 | $9.6M | — | ||
| Q1 24 | $-82.0K | — |
自由现金流率FSBWPBFS
| Q4 25 | 129.8% | — | ||
| Q3 25 | 105.9% | — | ||
| Q2 25 | 15.7% | — | ||
| Q1 25 | 21.7% | — | ||
| Q4 24 | 137.7% | — | ||
| Q3 24 | -4.1% | — | ||
| Q2 24 | 26.6% | — | ||
| Q1 24 | -0.2% | — |
资本支出强度FSBWPBFS
| Q4 25 | 50.9% | — | ||
| Q3 25 | 7.7% | — | ||
| Q2 25 | 3.5% | — | ||
| Q1 25 | 1.0% | — | ||
| Q4 24 | 4.6% | — | ||
| Q3 24 | 1.7% | — | ||
| Q2 24 | 0.8% | — | ||
| Q1 24 | 1.0% | — |
现金转化率FSBWPBFS
| Q4 25 | — | 2.97× | ||
| Q3 25 | 4.86× | 0.90× | ||
| Q2 25 | 0.92× | 0.78× | ||
| Q1 25 | 1.02× | -0.61× | ||
| Q4 24 | — | — | ||
| Q3 24 | -0.09× | 0.30× | ||
| Q2 24 | 1.11× | 2.30× | ||
| Q1 24 | 0.03× | 0.70× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
