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Pioneer Bancorp, Inc.（PBFS）与R F INDUSTRIES LTD（RFIL）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R F INDUSTRIES LTD的1.1倍（$25.0M vs $22.7M），Pioneer Bancorp, Inc.净利率更高（82.1% vs 0.8%，领先81.3%），过去两年Pioneer Bancorp, Inc.的营收复合增速更高（144.9% vs 29.8%）
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。
妥思卷工业是一家总部位于美国伊利诺伊州芝加哥的糖果制造商，旗下最知名的产品包括同名的Tootsie Roll软糖以及Tootsie Pop棒棒糖，目前其品牌产品销往加拿大、墨西哥等全球超过75个国家。
PBFS vs RFIL — 直观对比
营收规模更大
PBFS
是对方的1.1倍
$22.7M
净利率更高
PBFS
高出81.3%
0.8%
两年增速更快
PBFS
近两年复合增速
29.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.0M | $22.7M |
| 净利润 | $3.7M | $173.0K |
| 毛利率 | — | 36.8% |
| 营业利润率 | 21.3% | 4.0% |
| 净利率 | 82.1% | 0.8% |
| 营收同比 | — | 22.9% |
| 净利润同比 | — | 172.7% |
| 每股收益（稀释后） | $0.16 | $0.01 |
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PBFSRFIL
| Q4 25 | $25.0M | $22.7M | ||
| Q3 25 | $24.0M | $19.8M | ||
| Q2 25 | $24.4M | $18.9M | ||
| Q1 25 | $22.8M | $19.2M | ||
| Q4 24 | — | $18.5M | ||
| Q3 24 | $22.0M | $16.8M | ||
| Q2 24 | $20.9M | $16.1M | ||
| Q1 24 | $21.6M | $13.5M |
净利润PBFSRFIL
| Q4 25 | $3.7M | $173.0K | ||
| Q3 25 | $4.3M | $392.0K | ||
| Q2 25 | $6.5M | $-245.0K | ||
| Q1 25 | $5.8M | $-245.0K | ||
| Q4 24 | — | $-238.0K | ||
| Q3 24 | $6.3M | $-705.0K | ||
| Q2 24 | $3.9M | $-4.3M | ||
| Q1 24 | $4.7M | $-1.4M |
毛利率PBFSRFIL
| Q4 25 | — | 36.8% | ||
| Q3 25 | — | 34.0% | ||
| Q2 25 | — | 31.5% | ||
| Q1 25 | — | 29.8% | ||
| Q4 24 | — | 31.3% | ||
| Q3 24 | — | 29.5% | ||
| Q2 24 | — | 29.9% | ||
| Q1 24 | — | 24.5% |
营业利润率PBFSRFIL
| Q4 25 | 21.3% | 4.0% | ||
| Q3 25 | 23.4% | 3.6% | ||
| Q2 25 | 33.3% | 0.6% | ||
| Q1 25 | 32.5% | 0.3% | ||
| Q4 24 | — | 0.5% | ||
| Q3 24 | 37.2% | -2.5% | ||
| Q2 24 | 24.1% | -2.6% | ||
| Q1 24 | 28.1% | -15.5% |
净利率PBFSRFIL
| Q4 25 | 82.1% | 0.8% | ||
| Q3 25 | 18.0% | 2.0% | ||
| Q2 25 | 26.4% | -1.3% | ||
| Q1 25 | 25.3% | -1.3% | ||
| Q4 24 | — | -1.3% | ||
| Q3 24 | 28.7% | -4.2% | ||
| Q2 24 | 107.4% | -26.7% | ||
| Q1 24 | 21.9% | -10.1% |
每股收益（稀释后）PBFSRFIL
| Q4 25 | $0.16 | $0.01 | ||
| Q3 25 | $0.18 | $0.04 | ||
| Q2 25 | $0.26 | $-0.02 | ||
| Q1 25 | $0.23 | $-0.02 | ||
| Q4 24 | — | $-0.02 | ||
| Q3 24 | $0.25 | $-0.07 | ||
| Q2 24 | $0.15 | $-0.41 | ||
| Q1 24 | $0.19 | $-0.13 |
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 | — | $5.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $323.9M | $35.2M |
| 总资产 | $2.2B | $73.0M |
| 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PBFSRFIL
| Q4 25 | — | $5.1M | ||
| Q3 25 | — | $3.0M | ||
| Q2 25 | — | $3.6M | ||
| Q1 25 | — | $1.3M | ||
| Q4 24 | — | $839.0K | ||
| Q3 24 | — | $1.8M | ||
| Q2 24 | — | $1.4M | ||
| Q1 24 | — | $4.5M |
股东权益PBFSRFIL
| Q4 25 | $323.9M | $35.2M | ||
| Q3 25 | $314.2M | $34.8M | ||
| Q2 25 | $314.2M | $34.2M | ||
| Q1 25 | $310.7M | $34.2M | ||
| Q4 24 | — | $34.1M | ||
| Q3 24 | $303.8M | $34.1M | ||
| Q2 24 | $296.5M | $34.6M | ||
| Q1 24 | $289.0M | $38.7M |
总资产PBFSRFIL
| Q4 25 | $2.2B | $73.0M | ||
| Q3 25 | $2.2B | $73.2M | ||
| Q2 25 | $2.1B | $72.7M | ||
| Q1 25 | $2.1B | $70.4M | ||
| Q4 24 | — | $71.0M | ||
| Q3 24 | $2.0B | $71.9M | ||
| Q2 24 | — | $72.8M | ||
| Q1 24 | $2.0B | $79.1M |
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 | $2.1M |
| 自由现金流经营现金流 - 资本支出 | — | $2.0M |
| 自由现金流率自由现金流/营收 | — | 9.0% |
| 资本支出强度资本支出/营收 | — | 0.3% |
| 现金转化率经营现金流/净利润 | 2.97× | 12.13× |
| 过去12个月自由现金流最近4个季度 | — | $4.3M |
8季度趋势，按日历期对齐
经营现金流PBFSRFIL
| Q4 25 | $11.1M | $2.1M | ||
| Q3 25 | $3.9M | $-311.0K | ||
| Q2 25 | $5.1M | $2.2M | ||
| Q1 25 | $-3.5M | $601.0K | ||
| Q4 24 | — | $-244.0K | ||
| Q3 24 | $1.9M | $2.4M | ||
| Q2 24 | $9.0M | $197.0K | ||
| Q1 24 | $3.3M | $840.0K |
自由现金流PBFSRFIL
| Q4 25 | — | $2.0M | ||
| Q3 25 | — | $-419.0K | ||
| Q2 25 | — | $2.2M | ||
| Q1 25 | — | $574.0K | ||
| Q4 24 | — | $-418.0K | ||
| Q3 24 | — | $2.1M | ||
| Q2 24 | — | $28.0K | ||
| Q1 24 | — | $697.0K |
自由现金流率PBFSRFIL
| Q4 25 | — | 9.0% | ||
| Q3 25 | — | -2.1% | ||
| Q2 25 | — | 11.4% | ||
| Q1 25 | — | 3.0% | ||
| Q4 24 | — | -2.3% | ||
| Q3 24 | — | 12.6% | ||
| Q2 24 | — | 0.2% | ||
| Q1 24 | — | 5.2% |
资本支出强度PBFSRFIL
| Q4 25 | — | 0.3% | ||
| Q3 25 | — | 0.5% | ||
| Q2 25 | — | 0.2% | ||
| Q1 25 | — | 0.1% | ||
| Q4 24 | — | 0.9% | ||
| Q3 24 | — | 1.5% | ||
| Q2 24 | — | 1.0% | ||
| Q1 24 | — | 1.1% |
现金转化率PBFSRFIL
| Q4 25 | 2.97× | 12.13× | ||
| Q3 25 | 0.90× | -0.79× | ||
| 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
RFIL
| US | $20.9M | 92% |
| Non Us | $1.8M | 8% |
