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Pioneer Bancorp, Inc.（PBFS）与美国合众银行（SMBC）财务数据对比。点击上方公司名可切换其他公司
美国合众银行的季度营收约是Pioneer Bancorp, Inc.的9.4倍（$42.9M vs $4.6M）。Pioneer Bancorp, Inc.净利率更高（82.1% vs 42.3%，领先39.8%）。过去两年美国合众银行的营收复合增速更高（11.5% vs 4.5%）
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。
美国合众银行是一家总部位于明尼苏达州明尼阿波利斯、在特拉华州注册的美国跨国银行机构，截至2025年是美国第五大银行，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，旗下核心经营实体美国银行全国协会以U.S. Bank名义开展业务，提供银行、投资、抵押等相关金融服务。
PBFS vs SMBC — 直观对比
营收规模更大
SMBC
是对方的9.4倍
$4.6M
净利率更高
PBFS
高出39.8%
42.3%
两年增速更快
SMBC
近两年复合增速
4.5%
损益表 — Q4 2025 vs Q2 2026
| 指标 | | |
|---|---|---|
| 营收 | $4.6M | $42.9M |
| 净利润 | $3.7M | $18.1M |
| 毛利率 | — | — |
| 营业利润率 | — | 52.9% |
| 净利率 | 82.1% | 42.3% |
| 营收同比 | — | 12.4% |
| 净利润同比 | — | 23.9% |
| 每股收益（稀释后） | $0.16 | $1.62 |
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PBFSSMBC
| Q4 25 | $4.6M | $42.9M | ||
| Q3 25 | $3.6M | $42.4M | ||
| Q2 25 | $4.0M | $40.3M | ||
| Q1 25 | $3.7M | $39.5M | ||
| Q4 24 | — | $38.1M | ||
| Q3 24 | $3.8M | $36.7M | ||
| Q2 24 | $3.7M | $35.1M | ||
| Q1 24 | $3.6M | $34.5M |
净利润PBFSSMBC
| Q4 25 | $3.7M | $18.1M | ||
| Q3 25 | $4.3M | $15.7M | ||
| Q2 25 | $6.5M | $15.8M | ||
| Q1 25 | $5.8M | $15.7M | ||
| Q4 24 | — | $14.7M | ||
| Q3 24 | $6.3M | $12.5M | ||
| Q2 24 | $3.9M | $13.5M | ||
| Q1 24 | $4.7M | $11.3M |
营业利润率PBFSSMBC
| Q4 25 | — | 52.9% | ||
| Q3 25 | — | 45.8% | ||
| Q2 25 | — | 47.4% | ||
| Q1 25 | — | 50.2% | ||
| Q4 24 | — | 50.3% | ||
| Q3 24 | — | 43.2% | ||
| Q2 24 | — | 48.3% | ||
| Q1 24 | — | 41.0% |
净利率PBFSSMBC
| Q4 25 | 82.1% | 42.3% | ||
| Q3 25 | 119.3% | 36.9% | ||
| Q2 25 | 162.3% | 39.1% | ||
| Q1 25 | 157.8% | 39.7% | ||
| Q4 24 | — | 38.4% | ||
| Q3 24 | 165.1% | 34.0% | ||
| Q2 24 | 107.4% | 38.6% | ||
| Q1 24 | 129.7% | 32.8% |
每股收益（稀释后）PBFSSMBC
| Q4 25 | $0.16 | $1.62 | ||
| Q3 25 | $0.18 | $1.38 | ||
| Q2 25 | $0.26 | $1.39 | ||
| Q1 25 | $0.23 | $1.39 | ||
| Q4 24 | — | $1.30 | ||
| Q3 24 | $0.25 | $1.10 | ||
| Q2 24 | $0.15 | $1.20 | ||
| Q1 24 | $0.19 | $0.99 |
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 | — | $134.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $323.9M | $567.4M |
| 总资产 | $2.2B | $5.1B |
| 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PBFSSMBC
| Q4 25 | — | $134.1M | ||
| Q3 25 | — | $124.1M | ||
| Q2 25 | — | $192.9M | ||
| Q1 25 | — | $226.9M | ||
| Q4 24 | — | $145.8M | ||
| Q3 24 | — | $75.3M | ||
| Q2 24 | — | $60.9M | ||
| Q1 24 | — | $168.3M |
股东权益PBFSSMBC
| Q4 25 | $323.9M | $567.4M | ||
| Q3 25 | $314.2M | $560.2M | ||
| Q2 25 | $314.2M | $544.7M | ||
| Q1 25 | $310.7M | $528.8M | ||
| Q4 24 | — | $512.4M | ||
| Q3 24 | $303.8M | $505.6M | ||
| Q2 24 | $296.5M | $488.7M | ||
| Q1 24 | $289.0M | $479.6M |
总资产PBFSSMBC
| Q4 25 | $2.2B | $5.1B | ||
| Q3 25 | $2.2B | $5.0B | ||
| Q2 25 | $2.1B | $5.0B | ||
| Q1 25 | $2.1B | $5.0B | ||
| Q4 24 | — | $4.9B | ||
| Q3 24 | $2.0B | $4.7B | ||
| Q2 24 | — | $4.6B | ||
| Q1 24 | $2.0B | $4.6B |
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 | $21.3M |
| 自由现金流经营现金流 - 资本支出 | — | $20.2M |
| 自由现金流率自由现金流/营收 | — | 47.0% |
| 资本支出强度资本支出/营收 | — | 2.6% |
| 现金转化率经营现金流/净利润 | 1.52× | 1.17× |
| 过去12个月自由现金流最近4个季度 | — | $84.1M |
8季度趋势，按日历期对齐
经营现金流PBFSSMBC
| Q4 25 | $5.7M | $21.3M | ||
| Q3 25 | $3.9M | $16.3M | ||
| Q2 25 | $5.1M | $27.3M | ||
| Q1 25 | $-3.5M | $24.1M | ||
| Q4 24 | — | $20.1M | ||
| Q3 24 | $1.9M | $10.0M | ||
| Q2 24 | $9.0M | $15.2M | ||
| Q1 24 | $3.3M | $23.9M |
自由现金流PBFSSMBC
| Q4 25 | — | $20.2M | ||
| Q3 25 | — | $15.4M | ||
| Q2 25 | — | $25.8M | ||
| Q1 25 | — | $22.7M | ||
| Q4 24 | — | $18.2M | ||
| Q3 24 | — | $8.6M | ||
| Q2 24 | — | $13.3M | ||
| Q1 24 | — | $19.6M |
自由现金流率PBFSSMBC
| Q4 25 | — | 47.0% | ||
| Q3 25 | — | 36.3% | ||
| Q2 25 | — | 64.1% | ||
| Q1 25 | — | 57.6% | ||
| Q4 24 | — | 47.6% | ||
| Q3 24 | — | 23.4% | ||
| Q2 24 | — | 37.9% | ||
| Q1 24 | — | 56.7% |
资本支出强度PBFSSMBC
| Q4 25 | — | 2.6% | ||
| Q3 25 | — | 2.1% | ||
| Q2 25 | — | 3.7% | ||
| Q1 25 | — | 3.5% | ||
| Q4 24 | — | 5.2% | ||
| Q3 24 | — | 3.9% | ||
| Q2 24 | — | 5.5% | ||
| Q1 24 | — | 12.5% |
现金转化率PBFSSMBC
| Q4 25 | 1.52× | 1.17× | ||
| Q3 25 | 0.90× | 1.04× | ||
| Q2 25 | 0.78× | 1.73× | ||
| Q1 25 | -0.61× | 1.54× | ||
| Q4 24 | — | 1.37× | ||
| Q3 24 | 0.30× | 0.80× | ||
| Q2 24 | 2.30× | 1.12× | ||
| Q1 24 | 0.70× | 2.11× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
