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Pioneer Bancorp, Inc.（PBFS）与Rhinebeck Bancorp, Inc.（RBKB）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Rhinebeck Bancorp, Inc.的1.9倍（$25.0M vs $13.5M），Pioneer Bancorp, Inc.净利率更高（82.1% vs 17.3%，领先64.8%），过去两年Pioneer Bancorp, Inc.的营收复合增速更高（144.9% vs 14.0%）
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。
Rhinebeck Bancorp, Inc.是总部位于美国纽约的区域性银行控股企业，旗下运营莱茵贝克银行，主要面向纽约哈德逊谷地区的个人消费者与中小企业提供储蓄、贷款、抵押贷款、财富管理等零售及商业金融服务。
PBFS vs RBKB — 直观对比
营收规模更大
PBFS
是对方的1.9倍
$13.5M
净利率更高
PBFS
高出64.8%
17.3%
两年增速更快
PBFS
近两年复合增速
14.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.0M | $13.5M |
| 净利润 | $3.7M | $2.3M |
| 毛利率 | — | — |
| 营业利润率 | 21.3% | 21.7% |
| 净利率 | 82.1% | 17.3% |
| 营收同比 | — | 1701.1% |
| 净利润同比 | — | 188.0% |
| 每股收益（稀释后） | $0.16 | $0.21 |
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PBFSRBKB
| Q4 25 | $25.0M | $13.5M | ||
| Q3 25 | $24.0M | $14.0M | ||
| Q2 25 | $24.4M | $13.1M | ||
| Q1 25 | $22.8M | $12.8M | ||
| Q4 24 | — | $750.0K | ||
| Q3 24 | $22.0M | $773.0K | ||
| Q2 24 | $20.9M | $10.7M | ||
| Q1 24 | $21.6M | $10.4M |
净利润PBFSRBKB
| Q4 25 | $3.7M | $2.3M | ||
| Q3 25 | $4.3M | $2.7M | ||
| Q2 25 | $6.5M | $2.7M | ||
| Q1 25 | $5.8M | $2.3M | ||
| Q4 24 | — | $-2.7M | ||
| Q3 24 | $6.3M | $-8.1M | ||
| Q2 24 | $3.9M | $975.0K | ||
| Q1 24 | $4.7M | $1.1M |
营业利润率PBFSRBKB
| Q4 25 | 21.3% | 21.7% | ||
| Q3 25 | 23.4% | 23.9% | ||
| Q2 25 | 33.3% | 26.6% | ||
| Q1 25 | 32.5% | 22.9% | ||
| Q4 24 | — | -444.9% | ||
| Q3 24 | 37.2% | -1332.3% | ||
| Q2 24 | 24.1% | 11.8% | ||
| Q1 24 | 28.1% | 13.9% |
净利率PBFSRBKB
| Q4 25 | 82.1% | 17.3% | ||
| Q3 25 | 18.0% | 19.3% | ||
| Q2 25 | 26.4% | 20.8% | ||
| Q1 25 | 25.3% | 17.9% | ||
| Q4 24 | — | -353.9% | ||
| Q3 24 | 28.7% | -1042.9% | ||
| Q2 24 | 107.4% | 9.2% | ||
| Q1 24 | 21.9% | 10.8% |
每股收益（稀释后）PBFSRBKB
| Q4 25 | $0.16 | $0.21 | ||
| Q3 25 | $0.18 | $0.25 | ||
| Q2 25 | $0.26 | $0.25 | ||
| Q1 25 | $0.23 | $0.21 | ||
| Q4 24 | — | $-0.24 | ||
| Q3 24 | $0.25 | $-0.75 | ||
| Q2 24 | $0.15 | $0.09 | ||
| Q1 24 | $0.19 | $0.10 |
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 | $323.9M | $136.9M |
| 总资产 | $2.2B | $1.3B |
| 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PBFSRBKB
| Q4 25 | $323.9M | $136.9M | ||
| Q3 25 | $314.2M | $133.0M | ||
| Q2 25 | $314.2M | $129.0M | ||
| Q1 25 | $310.7M | $126.0M | ||
| Q4 24 | — | $121.8M | ||
| Q3 24 | $303.8M | $122.7M | ||
| Q2 24 | $296.5M | $116.2M | ||
| Q1 24 | $289.0M | $114.3M |
总资产PBFSRBKB
| Q4 25 | $2.2B | $1.3B | ||
| Q3 25 | $2.2B | $1.3B | ||
| Q2 25 | $2.1B | $1.3B | ||
| Q1 25 | $2.1B | $1.3B | ||
| Q4 24 | — | $1.3B | ||
| Q3 24 | $2.0B | $1.3B | ||
| Q2 24 | — | $1.3B | ||
| Q1 24 | $2.0B | $1.3B |
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 | $11.7M |
| 自由现金流经营现金流 - 资本支出 | — | $10.9M |
| 自由现金流率自由现金流/营收 | — | 80.6% |
| 资本支出强度资本支出/营收 | — | 6.3% |
| 现金转化率经营现金流/净利润 | 2.97× | 5.03× |
| 过去12个月自由现金流最近4个季度 | — | $19.4M |
8季度趋势，按日历期对齐
经营现金流PBFSRBKB
| Q4 25 | $11.1M | $11.7M | ||
| Q3 25 | $3.9M | $2.2M | ||
| Q2 25 | $5.1M | $2.4M | ||
| Q1 25 | $-3.5M | $4.3M | ||
| Q4 24 | — | $8.5M | ||
| Q3 24 | $1.9M | $-3.6M | ||
| Q2 24 | $9.0M | $12.0M | ||
| Q1 24 | $3.3M | $-3.5M |
自由现金流PBFSRBKB
| Q4 25 | — | $10.9M | ||
| Q3 25 | — | $2.0M | ||
| Q2 25 | — | $2.2M | ||
| Q1 25 | — | $4.2M | ||
| Q4 24 | — | $7.7M | ||
| Q3 24 | — | $-3.6M | ||
| Q2 24 | — | $11.8M | ||
| Q1 24 | — | $-3.7M |
自由现金流率PBFSRBKB
| Q4 25 | — | 80.6% | ||
| Q3 25 | — | 14.5% | ||
| Q2 25 | — | 17.2% | ||
| Q1 25 | — | 32.8% | ||
| Q4 24 | — | 1023.9% | ||
| Q3 24 | — | -469.0% | ||
| Q2 24 | — | 111.1% | ||
| Q1 24 | — | -36.0% |
资本支出强度PBFSRBKB
| Q4 25 | — | 6.3% | ||
| Q3 25 | — | 1.4% | ||
| Q2 25 | — | 1.4% | ||
| Q1 25 | — | 0.9% | ||
| Q4 24 | — | 105.5% | ||
| Q3 24 | — | 6.3% | ||
| Q2 24 | — | 1.2% | ||
| Q1 24 | — | 2.3% |
现金转化率PBFSRBKB
| Q4 25 | 2.97× | 5.03× | ||
| Q3 25 | 0.90× | 0.83× | ||
| Q2 25 | 0.78× | 0.89× | ||
| Q1 25 | -0.61× | 1.89× | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.30× | — | ||
| Q2 24 | 2.30× | 12.27× | ||
| Q1 24 | 0.70× | -3.12× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
