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HERITAGE FINANCIAL CORP（HFWA）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
HERITAGE FINANCIAL CORP的季度营收约是Pioneer Bancorp, Inc.的12.8倍（$58.4M vs $4.6M）。Pioneer Bancorp, Inc.净利率更高（82.1% vs 38.1%，领先44.0%）。过去两年HERITAGE FINANCIAL CORP的营收复合增速更高（6.4% vs 4.5%）
总部位于美国华盛顿州的区域性金融控股公司，面向太平洋西北地区的当地社群提供服务，核心业务涵盖商业与零售银行服务，包含存款产品、中小企业贷款、住房抵押贷款、个人信贷及财富管理解决方案，核心客群为中小微企业及个人客户。
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。
HFWA vs PBFS — 直观对比
营收规模更大
HFWA
是对方的12.8倍
$4.6M
净利率更高
PBFS
高出44.0%
38.1%
两年增速更快
HFWA
近两年复合增速
4.5%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $58.4M | $4.6M |
| 净利润 | $22.2M | $3.7M |
| 毛利率 | — | — |
| 营业利润率 | 44.0% | — |
| 净利率 | 38.1% | 82.1% |
| 营收同比 | 8.6% | — |
| 净利润同比 | 86.4% | — |
| 每股收益（稀释后） | $0.65 | $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HFWAPBFS
| Q4 25 | $58.4M | $4.6M | ||
| Q3 25 | $57.4M | $3.6M | ||
| Q2 25 | $55.0M | $4.0M | ||
| Q1 25 | $53.7M | $3.7M | ||
| Q4 24 | $53.8M | — | ||
| Q3 24 | $53.0M | $3.8M | ||
| Q2 24 | $51.1M | $3.7M | ||
| Q1 24 | $51.5M | $3.6M |
净利润HFWAPBFS
| Q4 25 | $22.2M | $3.7M | ||
| Q3 25 | $19.2M | $4.3M | ||
| Q2 25 | $12.2M | $6.5M | ||
| Q1 25 | $13.9M | $5.8M | ||
| Q4 24 | $11.9M | — | ||
| Q3 24 | $11.4M | $6.3M | ||
| Q2 24 | $14.2M | $3.9M | ||
| Q1 24 | $5.7M | $4.7M |
营业利润率HFWAPBFS
| Q4 25 | 44.0% | — | ||
| Q3 25 | 38.9% | — | ||
| Q2 25 | 26.3% | — | ||
| Q1 25 | 30.1% | — | ||
| Q4 24 | 30.4% | — | ||
| Q3 24 | 24.7% | — | ||
| Q2 24 | 31.3% | — | ||
| Q1 24 | 13.3% | — |
净利率HFWAPBFS
| Q4 25 | 38.1% | 82.1% | ||
| Q3 25 | 33.4% | 119.3% | ||
| Q2 25 | 22.2% | 162.3% | ||
| Q1 25 | 25.9% | 157.8% | ||
| Q4 24 | 22.2% | — | ||
| Q3 24 | 21.6% | 165.1% | ||
| Q2 24 | 27.7% | 107.4% | ||
| Q1 24 | 11.2% | 129.7% |
每股收益（稀释后）HFWAPBFS
| Q4 25 | $0.65 | $0.16 | ||
| Q3 25 | $0.55 | $0.18 | ||
| Q2 25 | $0.36 | $0.26 | ||
| Q1 25 | $0.40 | $0.23 | ||
| Q4 24 | $0.34 | — | ||
| Q3 24 | $0.33 | $0.25 | ||
| Q2 24 | $0.41 | $0.15 | ||
| Q1 24 | $0.16 | $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 | $233.1M | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $921.5M | $323.9M |
| 总资产 | $7.0B | $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HFWAPBFS
| Q4 25 | $233.1M | — | ||
| Q3 25 | $245.5M | — | ||
| Q2 25 | $254.1M | — | ||
| Q1 25 | $248.7M | — | ||
| Q4 24 | $117.1M | — | ||
| Q3 24 | $175.6M | — | ||
| Q2 24 | $113.8M | — | ||
| Q1 24 | $189.6M | — |
股东权益HFWAPBFS
| Q4 25 | $921.5M | $323.9M | ||
| Q3 25 | $904.1M | $314.2M | ||
| Q2 25 | $888.2M | $314.2M | ||
| Q1 25 | $881.5M | $310.7M | ||
| Q4 24 | $863.5M | — | ||
| Q3 24 | $874.5M | $303.8M | ||
| Q2 24 | $850.5M | $296.5M | ||
| Q1 24 | $847.6M | $289.0M |
总资产HFWAPBFS
| Q4 25 | $7.0B | $2.2B | ||
| Q3 25 | $7.0B | $2.2B | ||
| Q2 25 | $7.1B | $2.1B | ||
| Q1 25 | $7.1B | $2.1B | ||
| Q4 24 | $7.1B | — | ||
| Q3 24 | $7.2B | $2.0B | ||
| Q2 24 | $7.1B | — | ||
| Q1 24 | $7.1B | $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 | $28.0M | $5.7M |
| 自由现金流经营现金流 - 资本支出 | $22.3M | — |
| 自由现金流率自由现金流/营收 | 38.2% | — |
| 资本支出强度资本支出/营收 | 9.8% | — |
| 现金转化率经营现金流/净利润 | 1.26× | 1.52× |
| 过去12个月自由现金流最近4个季度 | $85.7M | — |
8季度趋势，按日历期对齐
经营现金流HFWAPBFS
| Q4 25 | $28.0M | $5.7M | ||
| Q3 25 | $25.1M | $3.9M | ||
| Q2 25 | $22.5M | $5.1M | ||
| Q1 25 | $19.3M | $-3.5M | ||
| Q4 24 | $20.6M | — | ||
| Q3 24 | $24.2M | $1.9M | ||
| Q2 24 | $6.8M | $9.0M | ||
| Q1 24 | $12.9M | $3.3M |
自由现金流HFWAPBFS
| Q4 25 | $22.3M | — | ||
| Q3 25 | $24.4M | — | ||
| Q2 25 | $20.9M | — | ||
| Q1 25 | $18.1M | — | ||
| Q4 24 | $19.8M | — | ||
| Q3 24 | $23.2M | — | ||
| Q2 24 | $6.0M | — | ||
| Q1 24 | $12.0M | — |
自由现金流率HFWAPBFS
| Q4 25 | 38.2% | — | ||
| Q3 25 | 42.5% | — | ||
| Q2 25 | 38.0% | — | ||
| Q1 25 | 33.7% | — | ||
| Q4 24 | 36.9% | — | ||
| Q3 24 | 43.9% | — | ||
| Q2 24 | 11.7% | — | ||
| Q1 24 | 23.3% | — |
资本支出强度HFWAPBFS
| Q4 25 | 9.8% | — | ||
| Q3 25 | 1.2% | — | ||
| Q2 25 | 2.9% | — | ||
| Q1 25 | 2.2% | — | ||
| Q4 24 | 1.5% | — | ||
| Q3 24 | 1.8% | — | ||
| Q2 24 | 1.6% | — | ||
| Q1 24 | 1.7% | — |
现金转化率HFWAPBFS
| Q4 25 | 1.26× | 1.52× | ||
| Q3 25 | 1.31× | 0.90× | ||
| Q2 25 | 1.84× | 0.78× | ||
| Q1 25 | 1.38× | -0.61× | ||
| Q4 24 | 1.73× | — | ||
| Q3 24 | 2.12× | 0.30× | ||
| Q2 24 | 0.48× | 2.30× | ||
| Q1 24 | 2.24× | 0.70× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
