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Pioneer Bancorp, Inc.（PBFS）与PodcastOne, Inc.（PODC）财务数据对比。点击上方公司名可切换其他公司
Pioneer Bancorp, Inc.的季度营收约是PodcastOne, Inc.的1.6倍（$25.0M vs $15.9M），Pioneer Bancorp, Inc.净利率更高（82.1% vs -1.0%，领先83.1%），过去两年Pioneer Bancorp, Inc.的营收复合增速更高（144.9% vs 16.4%）
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。
PodcastOne是一家知名音频娱乐企业，专注于播客制作、分发与变现业务，旗下拥有覆盖真实罪案、喜剧、新闻、体育、生活方式等品类的海量原创及授权播客内容，服务全球听众，同时为创作者和品牌提供广告解决方案。
PBFS vs PODC — 直观对比
营收规模更大
PBFS
是对方的1.6倍
$15.9M
净利率更高
PBFS
高出83.1%
-1.0%
两年增速更快
PBFS
近两年复合增速
16.4%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $25.0M | $15.9M |
| 净利润 | $3.7M | $-154.0K |
| 毛利率 | — | 16.5% |
| 营业利润率 | 21.3% | -1.0% |
| 净利率 | 82.1% | -1.0% |
| 营收同比 | — | 24.8% |
| 净利润同比 | — | 90.3% |
| 每股收益（稀释后） | $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PBFSPODC
| Q4 25 | $25.0M | $15.9M | ||
| Q3 25 | $24.0M | $15.2M | ||
| Q2 25 | $24.4M | $15.0M | ||
| Q1 25 | $22.8M | $14.1M | ||
| Q4 24 | — | $12.7M | ||
| Q3 24 | $22.0M | $12.2M | ||
| Q2 24 | $20.9M | $13.2M | ||
| Q1 24 | $21.6M | $11.7M |
净利润PBFSPODC
| Q4 25 | $3.7M | $-154.0K | ||
| Q3 25 | $4.3M | $-975.0K | ||
| Q2 25 | $6.5M | $-1.1M | ||
| Q1 25 | $5.8M | $-1.8M | ||
| Q4 24 | — | $-1.6M | ||
| Q3 24 | $6.3M | $-1.7M | ||
| Q2 24 | $3.9M | $-1.4M | ||
| Q1 24 | $4.7M | $-1.0M |
毛利率PBFSPODC
| Q4 25 | — | 16.5% | ||
| Q3 25 | — | 10.6% | ||
| Q2 25 | — | 9.6% | ||
| Q1 25 | — | 10.9% | ||
| Q4 24 | — | 5.7% | ||
| Q3 24 | — | 8.3% | ||
| Q2 24 | — | 11.0% | ||
| Q1 24 | — | 8.9% |
营业利润率PBFSPODC
| Q4 25 | 21.3% | -1.0% | ||
| Q3 25 | 23.4% | -6.4% | ||
| Q2 25 | 33.3% | -7.0% | ||
| Q1 25 | 32.5% | -13.0% | ||
| Q4 24 | — | -12.4% | ||
| Q3 24 | 37.2% | -13.6% | ||
| Q2 24 | 24.1% | -10.4% | ||
| Q1 24 | 28.1% | -10.1% |
净利率PBFSPODC
| Q4 25 | 82.1% | -1.0% | ||
| Q3 25 | 18.0% | -6.4% | ||
| Q2 25 | 26.4% | -7.0% | ||
| Q1 25 | 25.3% | -13.1% | ||
| Q4 24 | — | -12.5% | ||
| Q3 24 | 28.7% | -13.7% | ||
| Q2 24 | 107.4% | -10.4% | ||
| Q1 24 | 21.9% | -9.0% |
每股收益（稀释后）PBFSPODC
| Q4 25 | $0.16 | — | ||
| Q3 25 | $0.18 | — | ||
| Q2 25 | $0.26 | — | ||
| Q1 25 | $0.23 | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $0.25 | — | ||
| Q2 24 | $0.15 | — | ||
| Q1 24 | $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 | — | $3.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $323.9M | $15.8M |
| 总资产 | $2.2B | $24.7M |
| 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PBFSPODC
| Q4 25 | — | $3.4M | ||
| Q3 25 | — | $2.7M | ||
| Q2 25 | — | $1.9M | ||
| Q1 25 | — | $1.1M | ||
| Q4 24 | — | $572.0K | ||
| Q3 24 | — | $1.4M | ||
| Q2 24 | — | $891.0K | ||
| Q1 24 | — | $1.4M |
股东权益PBFSPODC
| Q4 25 | $323.9M | $15.8M | ||
| Q3 25 | $314.2M | $14.7M | ||
| Q2 25 | $314.2M | $14.7M | ||
| Q1 25 | $310.7M | $15.1M | ||
| Q4 24 | — | $15.0M | ||
| Q3 24 | $303.8M | $15.5M | ||
| Q2 24 | $296.5M | $15.7M | ||
| Q1 24 | $289.0M | $16.3M |
总资产PBFSPODC
| Q4 25 | $2.2B | $24.7M | ||
| Q3 25 | $2.2B | $22.6M | ||
| Q2 25 | $2.1B | $22.3M | ||
| Q1 25 | $2.1B | $20.8M | ||
| Q4 24 | — | $20.6M | ||
| Q3 24 | $2.0B | $23.1M | ||
| Q2 24 | — | $24.0M | ||
| Q1 24 | $2.0B | $24.1M |
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 | $11.1M | $579.0K |
| 自由现金流经营现金流 - 资本支出 | — | $489.0K |
| 自由现金流率自由现金流/营收 | — | 3.1% |
| 资本支出强度资本支出/营收 | — | 0.6% |
| 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 | — | — |
8季度趋势，按日历期对齐
经营现金流PBFSPODC
| Q4 25 | $11.1M | $579.0K | ||
| Q3 25 | $3.9M | $877.0K | ||
| Q2 25 | $5.1M | $903.0K | ||
| Q1 25 | $-3.5M | $506.0K | ||
| Q4 24 | — | $-763.0K | ||
| Q3 24 | $1.9M | $525.0K | ||
| Q2 24 | $9.0M | $-480.0K | ||
| Q1 24 | $3.3M | — |
自由现金流PBFSPODC
| Q4 25 | — | $489.0K | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $791.0K | ||
| Q1 25 | — | $505.0K | ||
| Q4 24 | — | $-783.0K | ||
| Q3 24 | — | $464.0K | ||
| Q2 24 | — | $-554.0K | ||
| Q1 24 | — | — |
自由现金流率PBFSPODC
| Q4 25 | — | 3.1% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 5.3% | ||
| Q1 25 | — | 3.6% | ||
| Q4 24 | — | -6.2% | ||
| Q3 24 | — | 3.8% | ||
| Q2 24 | — | -4.2% | ||
| Q1 24 | — | — |
资本支出强度PBFSPODC
| Q4 25 | — | 0.6% | ||
| Q3 25 | — | 0.0% | ||
| Q2 25 | — | 0.7% | ||
| Q1 25 | — | 0.0% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | — | 0.5% | ||
| Q2 24 | — | 0.6% | ||
| Q1 24 | — | — |
现金转化率PBFSPODC
| Q4 25 | 2.97× | — | ||
| Q3 25 | 0.90× | — | ||
| Q2 25 | 0.78× | — | ||
| Q1 25 | -0.61× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.30× | — | ||
| Q2 24 | 2.30× | — | ||
| Q1 24 | 0.70× | — |
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
PBFS
暂无分部数据
PODC
| Other | $9.0M | 56% |
| Barter | $6.9M | 44% |
