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合众银行（HBCP）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
合众银行的季度营收约是Pioneer Bancorp, Inc.的8.4倍（$38.2M vs $4.6M）。Pioneer Bancorp, Inc.净利率更高（82.1% vs 29.7%，领先52.4%）。过去两年合众银行的营收复合增速更高（14.0% vs 4.5%）
该企业是总部位于美国明尼苏达州明尼阿波利斯、在特拉华州注册的跨国银行机构，截至2025年为美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的银行，主营银行、投资、抵押贷款等各类金融业务。
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。
HBCP vs PBFS — 直观对比
营收规模更大
HBCP
是对方的8.4倍
$4.6M
净利率更高
PBFS
高出52.4%
29.7%
两年增速更快
HBCP
近两年复合增速
4.5%
损益表 — Q1 2026 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $38.2M | $4.6M |
| 净利润 | $11.4M | $3.7M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 29.7% | 82.1% |
| 营收同比 | — | — |
| 净利润同比 | -0.4% | — |
| 每股收益（稀释后） | $1.45 | $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HBCPPBFS
| Q1 26 | $38.2M | — | ||
| Q4 25 | $34.0M | $4.6M | ||
| Q3 25 | $34.1M | $3.6M | ||
| Q2 25 | $33.4M | $4.0M | ||
| Q1 25 | $31.7M | $3.7M | ||
| Q4 24 | $31.6M | — | ||
| Q3 24 | $30.4M | $3.8M | ||
| Q2 24 | $29.4M | $3.7M |
净利润HBCPPBFS
| Q1 26 | $11.4M | — | ||
| Q4 25 | $11.4M | $3.7M | ||
| Q3 25 | $12.4M | $4.3M | ||
| Q2 25 | $11.3M | $6.5M | ||
| Q1 25 | $11.0M | $5.8M | ||
| Q4 24 | $9.7M | — | ||
| Q3 24 | $9.4M | $6.3M | ||
| Q2 24 | $8.1M | $3.9M |
营业利润率HBCPPBFS
| Q1 26 | — | — | ||
| Q4 25 | 42.6% | — | ||
| Q3 25 | 45.6% | — | ||
| Q2 25 | 42.5% | — | ||
| Q1 25 | 43.4% | — | ||
| Q4 24 | 38.0% | — | ||
| Q3 24 | 38.4% | — | ||
| Q2 24 | 34.3% | — |
净利率HBCPPBFS
| Q1 26 | 29.7% | — | ||
| Q4 25 | 33.5% | 82.1% | ||
| Q3 25 | 36.2% | 119.3% | ||
| Q2 25 | 34.0% | 162.3% | ||
| Q1 25 | 34.5% | 157.8% | ||
| Q4 24 | 30.6% | — | ||
| Q3 24 | 31.1% | 165.1% | ||
| Q2 24 | 27.6% | 107.4% |
每股收益（稀释后）HBCPPBFS
| Q1 26 | $1.45 | — | ||
| Q4 25 | $1.46 | $0.16 | ||
| Q3 25 | $1.59 | $0.18 | ||
| Q2 25 | $1.45 | $0.26 | ||
| Q1 25 | $1.37 | $0.23 | ||
| Q4 24 | $1.21 | — | ||
| Q3 24 | $1.18 | $0.25 | ||
| Q2 24 | $1.02 | $0.15 |
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 | $223.5M | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $444.4M | $323.9M |
| 总资产 | $3.6B | $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HBCPPBFS
| Q1 26 | $223.5M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益HBCPPBFS
| Q1 26 | $444.4M | — | ||
| Q4 25 | $435.1M | $323.9M | ||
| Q3 25 | $423.0M | $314.2M | ||
| Q2 25 | $408.8M | $314.2M | ||
| Q1 25 | $402.8M | $310.7M | ||
| Q4 24 | $396.1M | — | ||
| Q3 24 | $393.5M | $303.8M | ||
| Q2 24 | $375.8M | $296.5M |
总资产HBCPPBFS
| Q1 26 | $3.6B | — | ||
| Q4 25 | $3.5B | $2.2B | ||
| Q3 25 | $3.5B | $2.2B | ||
| Q2 25 | $3.5B | $2.1B | ||
| Q1 25 | $3.5B | $2.1B | ||
| Q4 24 | $3.4B | — | ||
| Q3 24 | $3.4B | $2.0B | ||
| Q2 24 | $3.4B | — |
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 | — | $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 | — | 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HBCPPBFS
| Q1 26 | — | — | ||
| Q4 25 | $11.7M | $5.7M | ||
| Q3 25 | $21.5M | $3.9M | ||
| Q2 25 | $8.7M | $5.1M | ||
| Q1 25 | $12.6M | $-3.5M | ||
| Q4 24 | $5.8M | — | ||
| Q3 24 | $17.6M | $1.9M | ||
| Q2 24 | $15.0M | $9.0M |
自由现金流HBCPPBFS
| Q1 26 | — | — | ||
| Q4 25 | $7.1M | — | ||
| Q3 25 | $20.7M | — | ||
| Q2 25 | $7.9M | — | ||
| Q1 25 | $8.7M | — | ||
| Q4 24 | $5.3M | — | ||
| Q3 24 | $17.0M | — | ||
| Q2 24 | $13.4M | — |
自由现金流率HBCPPBFS
| Q1 26 | — | — | ||
| Q4 25 | 20.8% | — | ||
| Q3 25 | 60.6% | — | ||
| Q2 25 | 23.7% | — | ||
| Q1 25 | 27.4% | — | ||
| Q4 24 | 16.7% | — | ||
| Q3 24 | 55.8% | — | ||
| Q2 24 | 45.4% | — |
资本支出强度HBCPPBFS
| Q1 26 | — | — | ||
| Q4 25 | 13.6% | — | ||
| Q3 25 | 2.4% | — | ||
| Q2 25 | 2.5% | — | ||
| Q1 25 | 12.2% | — | ||
| Q4 24 | 1.7% | — | ||
| Q3 24 | 2.1% | — | ||
| Q2 24 | 5.5% | — |
现金转化率HBCPPBFS
| Q1 26 | — | — | ||
| Q4 25 | 1.02× | 1.52× | ||
| Q3 25 | 1.74× | 0.90× | ||
| Q2 25 | 0.77× | 0.78× | ||
| Q1 25 | 1.15× | -0.61× | ||
| Q4 24 | 0.60× | — | ||
| Q3 24 | 1.87× | 0.30× | ||
| Q2 24 | 1.84× | 2.30× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
HBCP
| Net Interest Income | $34.5M | 90% |
| Noninterest Income | $3.7M | 10% |
PBFS
暂无分部数据
