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Pioneer Bancorp, Inc.（PBFS）与SMITH MIDLAND CORP（SMID）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SMITH MIDLAND CORP的1.1倍（$25.0M vs $23.1M），Pioneer Bancorp, Inc.净利率更高（82.1% vs 9.2%，领先72.9%），过去两年Pioneer Bancorp, Inc.的营收复合增速更高（144.9% vs 17.4%）
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。
Smith Midland Corp是一家预制混凝土产品专业制造商，核心产品线包括公路安全护栏、隔音墙、建筑预制面板及雨水管理系统，主要服务北美市场，为各类基建、商用、住宅及工业建筑项目提供耐用可持续的建筑解决方案。
PBFS vs SMID — 直观对比
营收规模更大
PBFS
是对方的1.1倍
$23.1M
净利率更高
PBFS
高出72.9%
9.2%
两年增速更快
PBFS
近两年复合增速
17.4%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.0M | $23.1M |
| 净利润 | $3.7M | $2.1M |
| 毛利率 | — | 57.5% |
| 营业利润率 | 21.3% | 37.8% |
| 净利率 | 82.1% | 9.2% |
| 营收同比 | — | 24.7% |
| 净利润同比 | — | 52.5% |
| 每股收益（稀释后） | $0.16 | $0.41 |
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PBFSSMID
| Q4 25 | $25.0M | $23.1M | ||
| Q3 25 | $24.0M | $21.5M | ||
| Q2 25 | $24.4M | $26.2M | ||
| Q1 25 | $22.8M | $22.7M | ||
| Q4 24 | — | $18.5M | ||
| Q3 24 | $22.0M | $23.6M | ||
| Q2 24 | $20.9M | $19.6M | ||
| Q1 24 | $21.6M | $16.8M |
净利润PBFSSMID
| Q4 25 | $3.7M | $2.1M | ||
| Q3 25 | $4.3M | $2.9M | ||
| Q2 25 | $6.5M | $4.2M | ||
| Q1 25 | $5.8M | $3.3M | ||
| Q4 24 | — | $1.4M | ||
| Q3 24 | $6.3M | $3.1M | ||
| Q2 24 | $3.9M | $2.0M | ||
| Q1 24 | $4.7M | $1.1M |
毛利率PBFSSMID
| Q4 25 | — | 57.5% | ||
| Q3 25 | — | 26.8% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | 30.7% | ||
| Q4 24 | — | 51.4% | ||
| Q3 24 | — | 27.9% | ||
| Q2 24 | — | 0.0% | ||
| Q1 24 | — | 23.3% |
营业利润率PBFSSMID
| Q4 25 | 21.3% | 37.8% | ||
| Q3 25 | 23.4% | 18.0% | ||
| Q2 25 | 33.3% | 0.0% | ||
| Q1 25 | 32.5% | 19.3% | ||
| Q4 24 | — | 24.5% | ||
| Q3 24 | 37.2% | 16.3% | ||
| Q2 24 | 24.1% | 0.0% | ||
| Q1 24 | 28.1% | 9.0% |
净利率PBFSSMID
| Q4 25 | 82.1% | 9.2% | ||
| Q3 25 | 18.0% | 13.4% | ||
| Q2 25 | 26.4% | 15.9% | ||
| Q1 25 | 25.3% | 14.7% | ||
| Q4 24 | — | 7.5% | ||
| Q3 24 | 28.7% | 13.4% | ||
| Q2 24 | 107.4% | 10.1% | ||
| Q1 24 | 21.9% | 6.8% |
每股收益（稀释后）PBFSSMID
| Q4 25 | $0.16 | $0.41 | ||
| Q3 25 | $0.18 | $0.54 | ||
| Q2 25 | $0.26 | $0.79 | ||
| Q1 25 | $0.23 | $0.62 | ||
| Q4 24 | — | $0.28 | ||
| Q3 24 | $0.25 | $0.59 | ||
| Q2 24 | $0.15 | $0.37 | ||
| Q1 24 | $0.19 | $0.21 |
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 | $54.3M |
| 总资产 | $2.2B | $87.7M |
| 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PBFSSMID
| Q4 25 | $323.9M | $54.3M | ||
| Q3 25 | $314.2M | $52.1M | ||
| Q2 25 | $314.2M | $49.2M | ||
| Q1 25 | $310.7M | $45.1M | ||
| Q4 24 | — | $41.7M | ||
| Q3 24 | $303.8M | $40.3M | ||
| Q2 24 | $296.5M | $37.2M | ||
| Q1 24 | $289.0M | $35.3M |
总资产PBFSSMID
| Q4 25 | $2.2B | $87.7M | ||
| Q3 25 | $2.2B | $85.4M | ||
| Q2 25 | $2.1B | $81.2K | ||
| Q1 25 | $2.1B | $74.7M | ||
| Q4 24 | — | $68.0M | ||
| Q3 24 | $2.0B | $66.6M | ||
| Q2 24 | — | $64.0M | ||
| Q1 24 | $2.0B | $64.9M |
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 | — |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 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PBFSSMID
| Q4 25 | $11.1M | — | ||
| Q3 25 | $3.9M | $11.7M | ||
| Q2 25 | $5.1M | — | ||
| Q1 25 | $-3.5M | $2.2M | ||
| Q4 24 | — | $-645.0K | ||
| Q3 24 | $1.9M | $3.9M | ||
| Q2 24 | $9.0M | $2.7M | ||
| Q1 24 | $3.3M | $-777.0K |
自由现金流PBFSSMID
| Q4 25 | — | — | ||
| Q3 25 | — | $6.3M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $1.6M | ||
| Q4 24 | — | $-1.3M | ||
| Q3 24 | — | $1.8M | ||
| Q2 24 | — | $998.0K | ||
| Q1 24 | — | $-2.6M |
自由现金流率PBFSSMID
| Q4 25 | — | — | ||
| Q3 25 | — | 29.5% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 7.1% | ||
| Q4 24 | — | -7.0% | ||
| Q3 24 | — | 7.8% | ||
| Q2 24 | — | 5.1% | ||
| Q1 24 | — | -15.3% |
资本支出强度PBFSSMID
| Q4 25 | — | — | ||
| Q3 25 | — | 25.1% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 2.6% | ||
| Q4 24 | — | 3.6% | ||
| Q3 24 | — | 8.6% | ||
| Q2 24 | — | 8.7% | ||
| Q1 24 | — | 10.7% |
现金转化率PBFSSMID
| Q4 25 | 2.97× | — | ||
| Q3 25 | 0.90× | 4.07× | ||
| Q2 25 | 0.78× | — | ||
| Q1 25 | -0.61× | 0.67× | ||
| Q4 24 | — | -0.46× | ||
| Q3 24 | 0.30× | 1.23× | ||
| Q2 24 | 2.30× | 1.37× | ||
| Q1 24 | 0.70× | -0.68× |
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
SMID
| Product Sales | $13.8M | 60% |
| Service Revenue | $9.3M | 40% |
